davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-05
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: NAVY FEDERAL CREDIT UNION (SC)

On XX/XX/XXXX we filed a dispute with Navy Federal Credit Union for {$990.00} ( XXXX XXXX ).

We received a communication from NFCU dated XX/XX/XXXX acknowledging our dispute, requesting information by XX/XX/XXXX. However, we submitted our response as required on XX/XX/XXXX via fax and e-messaging thru their online banking system. 

We received a provisional credit of {$990.00}. 

On XX/XX/XXXX we received this response from NFCU : Navy Federal XXXX XX/XX/XXXX : In response to your billing inquiry, we have reversed the transaction for $ XXXX and sent the charge back to the merchant 's bank. A credit will appear as an " Account Adjustment '' on your next billing statement. If we receive documentation from the merchant in response to our reversal, it will be forwarded to you for your review. The circumstances of the dispute and the strength of your documentation will determine whether the credit will remain permanently on your account. If you have any questions, contact us at XXXX, extension XXXX. 

Thank you, XXXX XXXX Credit Card Chargeback and Resolution Specialist ______________ We have not been contact by NFCU via USPS nor e-Messaging re : this dispute. 

However, on XX/XX/XXXX, we viewed in our account that NFCU had in-fact reversed this {$990.00} to the merchant. 

When in fact ; the Merchant policy is : SATISFACTION GUARANTEED 100 % OR YOUR MONEY BACK - NO QUESTIONS ASKED - 100 % RISK FREE. 

We provided proof of such 100 % money back guarantee from the merchants website. We provided : http : //www.ProfitandPassions.clickfunnels.com. 

WE HAVE RECEIVED NO COMMUNICATION FROM NFCU SINCE XX/XX/XXXX RE : THIS DISPUTE. It is obvious, they did not take the time to investigate this verbiage on the merchant 's website and found our response not valid.

NFCU has failed us as their longterm customer.

When contacting NFCU to resolve this issue.. .it is not discussed and they refuse to assist us any further. 

In speaking with an executive at XXXX, in which, they instructed us to return to NFCU and file a 2nd dispute on XX/XX/XXXX. 

At this time, NFCU rejected this dispute. 

When have filed another dispute on XX/XX/XXXX based upon the time limit given by XXXX. 

NFCU has interfered and denied us the rights to file ; knowing that there is a time limit for 2nd disputes. 

Furthermore, they did not process the 1 dispute properly. 

We have tried for 4 days to communicate to XXXX XXXX and 10 other executives at NFCU - no response. 

There is no additional agreements or proof beyond the merchant 's own website copy offer such Risk Free purchase. 

Upon attending this event - it was recognized as a FRAUD.
Consumer complaint received 2021-11-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (AZ)

Wells Fargo has allowed 4 accounts ( checking and or savings ) to be opened this year under my name. Two in XXXX and another two around XXXX. After receiving mail ( correspondence or statements ) from them I contact Wells Fargo to close the accounts. They stated the accounts were closed and sent me letters to confirm closure. 
I received mail in XXXX regarding an account that Wells Fargo stated was closed in XXXX. Since I did not open these accounts I only have the last 4 digits of the account and Wells Fargo is generally unhelpful when I call and stated they will not provide me the full account numbers or a fraud protection solution since I am not a customer. 
I have never had a Wells Fargo account. I do not want them to have my information on file as this repeated situation is a serious concern to me for many reasons. 
I have reviewed all credit reporting agencies and this is a Wells Fargo breach issue as there have been no other discrepancies in my report regarding fraudulent accounts. Wells Fargo at the very least should provide XXXX or similar service to me as a result of their careless verification practices.
Consumer complaint received 2021-01-30
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Firstsource Business Process Services, LLC (AL)

First Source Advantage LLC, address on their website is : XXXX XXXX XXXX XXXX XXXX, NY XXXX and phone number XXXX. 
First Source Advantage has contacted my place of employment by repeatedly calling my place of employment. They call my office at a minimum of 3 times a day. The secretary as well as myself has asked them not to contact me at work. They are collecting for a past due XXXX XXXX account. They sound as if they are out of a call center in XXXX or something. I emailed them a weeks ago asking them to remove my work number and they continue to call. Just XX/XX/2021, I asked them to stop calling my work, verified my employer number to remove from the call list and they call right back the next day and the day after that. They call my work cell phone. They call and change/scramble their phone number to disguise their identity. Sometimes they call the office 3 times back to back and hangup each time. They say ok we will remove the employer 's contact number and then keep calling it. 
My money is low due to COVID 19 and missed several months from work and have been behind on bills every since. I keep explaining the situation to them and now I am scared of losing my job because they keep calling my office. The payment options given by First Source Advantage are too high for me to afford, such as 6 payments of {$1100.00}, or 3 payments of {$2500.00}. I am so scared of my losing my job at this point and don't know what else to do.
Consumer complaint received 2024-04-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (AZ)

I have been attempting to obtain my historical loan information specifically the schools, amounts and dispersement dates for my balance. Everytime I am called the automated service does not connect me to a person just pre recorded information. When I am able to speak with someone they tell me to call someone else and they can not help me. Most recently I was told they would only assist through mail and I had to wait for a letter for assistance. The letter directed me to NSLDS. The number provided bin the letter is not for the NSLDS. When I XXXX  a number for the NSLDS I was told they do not handle any borrower inquires and only work with loan providers.
Consumer complaint received 2021-05-03
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NAVY FEDERAL CREDIT UNION (TX)

I have an old credit card with Navy Federal Credit Union, it was closed on XX/XX/XXXX. On XX/XX/XXXX, Navy Federal made an unauthorized and fraudulent payment on the account, just 10 days prior to the end of the Texas Statute of Limitations in order to extend the length of enforced collection on the account. 

I did NOT and would NOT have made a payment nor did I authorize such a payment! This is blatant fraud on behalf of Navy Federal Credit Union. I demand immediate action, this is a fraudulent and unauthorized payment with malicious intent. 

This is blatant fraud for the purposes of predatory collection. 

Furthermore, I demand action be taken against Navy Federal for their predatory action.
Consumer complaint received 2021-05-03
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: Resurgent Capital Services L.P. (NJ)

On XXXX XXXX, LVNV FUNDING LLC added a derogatory mark on my credit report per XXXX XXXX. Upon, futher research, this account was transferred/sold and I an no longer responsible for this account. Debtor 's creditor did not verify this collection. Also there was No written form of communication, contract, or signature for this accused debt at all. A bill without a signature does noot validate the debt and anybody can send a bill. and say its mines. According to the FCRA LVNV FUNDING LLC has violated my rights as a consumer and Im requesting legal action to remove this account immediately.
Consumer complaint received 2017-12-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Collection agency Portfolio Recovery Associates is trying to collect debt on an invalid account for {$670.00}. According to California Code of Civil Procedure 337 ( 1 ), the statute of limitations for a written contract is four years. Under 339 ( 1 ), the limit for an oral contract is two years nor do they have a contract with my signature stating that this account is mine. Providing specific dates, a bill or other inquiries doesnt make this account mine. On my XXXX, XXXX and XXXX Credit report this invalid account reported its delinquency on XXXX 2013 which is past Californias staue of limitations.
Consumer complaint received 2022-04-26
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. (OR)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # 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 2021-11-10
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: GULF COAST COLLECTION BUREAU, INC. (FL)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and i haven't received any investigation results
Consumer complaint received 2018-06-07
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc. (NV)

I have a loan with SANTANDER. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and SANTANDER with no successful resolution. XXXX, XXXX and XXXX are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2021-11-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

The Fraud via Wells Fargo started on XXXX XXXX. 
And continued to XX/XX/XXXX. 
I was notified via notification from my app that my card was declined aprox at XXXX on Sat the XXXX. I looked at my account and saw a charge for {$380.00}. In the state of WI. 
I quickly called my bank to let them know. 
I later that day received a call from a " XXXX from Wells Fargo Fraud debt ''. 
XXXX told me he was working on my case. He had ne verify whom I was via verification code he then text me. 
He assured me he was doing all he can to help me. But warmed me to stop logging on as the hackers were continually getting access to my account. He could even see that I had chaged my password and told me it was compromised and to verify it in the text verification again!! He advised me to remain OFFLINE of the WF app while they further their investigation so I would not further compromise my accounts! 
Now XXXX called me back on Monday then on Tuesday. He assured me they almost had everything resolved and almost all my money was back into my account as he continued to sending me verification codes so he could send me all the money back to my account. XXXX XXXX. 
He also had got my husband on the Line via a 3 way call to verify both our accounts info and passwords. 
By this time the scammers were apparently working every account and cleaned our everything!!! 
It wasn't untill my husband got a call while at work, on Tuesday the XXXX. The exact moment I was still online with XXXX! 
It was the ACTUAL Wells Fargo saying that my husband 's card was now being used! 
My husband text me and told me to Quickly hang up! 


That's when I called Wells Fargo fraud dept on back of my card and reported EVERYTHING!! 
As did my husband! 
We spoke separately to 2 different Fraud agents and made claims. All 3 accounts were closed and 3 new accounts were opened. 
Passwords were changed with online banking as well. 

By then it was too late. 
They cleared out {$1100.00} of my personal savings and $ XXXX of my special needs daughter 's savings. 

Wells Fargo not only is denying my claim. 
They even tried blaming my husband for part of the transitions. 

This has created sooo much financial heartache & stress!! 

I have been with Wells Fargo for nearly 30 year 's. I would think they'd have my back in a situation like this. 
But they DON'T!! 

I need help PLEASE!! 

My child 's life savings ....
Consumer complaint received 2022-09-17
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY (NV)

XX/XX/2020. I received paperwork in my door from XXXX XXXX XXXX with the original creditor Wells Fargo. That I have been sued for a total of {$6400.00}. This debt does not reflect on my personal credit report would like to resolve this issue for the best interest for both parties. I contacted wells Fargo during my time of hardship they replied with these is no more extended relief for hardship.
Consumer complaint received 2021-11-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MS)

I have attempted on several occasions to retrieve the source of Experian bankruptcy. As of today, they explained that XXXX XXXX is their source. I have attached a letter verifying that XXXX XXXX said that they could not verify a Bankruptcy that has been placed on my Experian credit report and I ask for that same reason that it be removed from Experian as well.
Consumer complaint received 2021-01-30
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. (AL)

This account is not mine. The contract had me as a primary and I never attend the school. Im a XXXX XXXX  and hold a clearance. This is the only negative on my credit report. I have submit paperwork, hired a XXXX, and submitted the contracts showing the error. The company wont fix. I did not agree to these loans and the contracts are clear I did not sign these. I have to provide extra documents to get approved for loans, mortgages, and daily needs due to this error.
Consumer complaint received 2021-09-03
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Acknowledge Debt Resolutions (WA)

I got a call from XXXX at ADR Billing, LLC XXXX XXXXXXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX Said they were filing a judgment against me for a payday loan from XX/XX/2013 from XXXX XXXX XXXX, account number XXXX and balance due of {$1800.00}. I am not familiar with this claim and have asked them to send me something in writing as i believe this is fraud, and they said no and that I have to pay them.
Consumer complaint received 2021-05-03
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (PA)

I received a letter from a debit collector stating if I do not pay them. They will take legal actions against me. I have reached out to such debt collector for them to validate this erroneous information on my credit report. I have yet received a response.
Consumer complaint received 2020-06-04
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc. (CO)

I received a MasterCard gift card from my employer for {$500.00}, purchased on XX/XX/XXXX. 

I went to use the card in XX/XX/XXXX and the funds had already been used - {$490.00} on XX/XX/XXXX. The packaging was fine but the card itself was damaged and the 3 -digit code on the back of the card had been tampered with and removed. The card had clearly been scammed and compromised prior to me using it. 

I called the customer service number on the back of the card and completed an online case on XX/XX/XXXX, providing details and all documentation including photos of the card and the purchase receipt. My case was denied on XX/XX/XXXX and they told me to contact the Disputes Team. 
I completed the online dispute form on XX/XX/XXXX with supporting documentation again but my case was denied on XX/XX/XXXX citing " ... account discrepancies are to be communicated to us no later then 60 calendar days after the transaction has posted to your account. Unfortunately, we did not receive your inquiry within this time limit. We have no resources to recoup these funds for you. '' I explained in my dispute application that it was impossible for me to communicate the issue within 60-days as i hadn't opened the package.
Consumer complaint received 2021-01-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION (IN)

A REVIEW OF THE PROBLEM : I successfully set-up an account with Mazda Financial Services to auto-deduct monthly payments after purchasing my vehicle in XXXX, XXXX. However, since successfully setting-up the MFS account, I have been locked out of it. While I do not believe this is a nefarious attempt to keep a customer from accessing the MFS portal, I can not be certain, and as a consumer, believe I have the right to access my online account, should I desire to do so. I have talked at length twice with MFS representatives ( all very kind by the way and legitimately eager to help me ) on XX/XX/XXXX, and XX/XX/XXXX. However, no one has reached out since XXXX, and no additional options have been made available, other than those outlined below, which have all failed. 

I mentioned in my correspondence that I would send my next communication to record my issue with both the CFPB and the FCC XX/XX/XXXX. They will receive a detailed letter, along with my call records and all issues as outlined in my first and second letters. While MFS has not ignored my issue, theres been no resolution and I feel that the problem has been underappreciated by MFS.

I have : Verified with MFS that my email address is correct in the Mazda Financial Services system ( sent email address ). 
Tested various browsers XXXX XXXX, XXXX, XXXX XXXX. 
Tried BOTH XXXX and XXXX XXXX  ( and all browsers, other than XXXX for XXXX XXXX to resubmit, then check email for verification codes. 
Contacted customer service twice each escalated to a higher level with no results. 
Followed instructions to login for NEW verification codes they expire for each new session. 
Checked for the verification email directly in XXXX XXXX with no results no email ever arrives. 
Checked ALL SPAM filters, plus email programs I use in personal mobile devices, and desktop.
Consumer complaint received 2021-01-30
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. (NJ)

Experian continues to close investigations claiming the information was verified and accurate. My XXXX  loan was consolidated and PAID IN FULL on XX/XX/2021. This dispute was opened on XX/XX/2021. Experian is violating their obligations under the FCRA.
Consumer complaint received 2021-01-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Management Partners, LLC (TX)

I found on my credit report that I had been filed against from my doctors office. I was never aware of any balance my insurance always took care of everything over my copay. If there was any bill that I needed to pay, why was this not collected at the time of my appointment. Why was I not informed that my insurance wouldnt be covering it anymore.
Consumer complaint received 2019-06-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A. (CA)

On XX/XX/2019at XXXX XXXX XXXX., I e-mailed Citis customer service regarding their incorrect computation of interests charged on my credit card account. I asked that they provide me their own computations to arrive at the interest amount they are charging me for each statement. Citi has been computing interests incorrectly causing for them to overcharge customers accounts. 

For instance, based on the 15.24 % interest rate on my account, I should only have been billed {$99.00} interest instead of {$100.00} shown on my statement for billing periods XX/XX/19 thru XX/XX/19. On this statement, I was overcharged {$3.00}. For billing periods XX/XX/19 thru XX/XX/19, I was overcharged {$3.00}. Citi has been overcharging interests by at least {$3.00} each statement. One obvious reason I noticed that Citi intends to defraud consumers is when the interest amounts goes up  while account balances goes down. For instance, my ending balance for periods XX/XX/19thruXX/XX/XXXXXX/XX/19 was {$7800.00}, but I was charged {$96.00} of interests. However, I was charged {$100.00} of interest for billing periods XX/XX/19 through XX/XX/19 when my account balance was only {$7600.00}. I have attached a copy of an XXXX worksheet showing them how I arrived at the interest amounts I am claiming. 

On XX/XX/2019, I received a response from their customer service with a post office box address of XXXX. XXXX XXXX, XXXX XXXX, SD XXXX simply telling me that the interest charges billed on my account statements are correct without showing me their own computations. Please investigate their computation of interests as I believe there has been some kind of manipulation done on their system.
Consumer complaint received 2021-01-30
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: AMERICAN EXPRESS COMPANY (NC)

Bought American Express Serve card put XXXX on it this was XXXX after which call card and reported it stolen and told them not to process any claims was told at that time there was XXXX on it today I check it and it is XXXX balance after I told them it was stole