davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC (FL)

In XXXX of XXXX I received a phone call from XXXX XXXX and they told me that I had a debt owed to them. I informed him that I had now moved from XXXX  to XXXX and didn't have any knowledge of the debt. I then paid {$52.00} and was told that it would resolve the debt. I received no additional communication in regards to this debt until I reached out to them due to doing an inquiry of my credit score in XXXX due to looking for a home for my children to move to XXXX with me. It was only then that I noticed that XXXX XXXX XXXX had put a {$100.00} collections on my credit report. I initiated a call to them and they informed me that this was a debt that I owed to XXXX XXXX. I disputed the claim and patiently waited for the outcome knowing that this was taken care of in XXXX of XXXX. Needless to say they didn't contact me with the result and I was only made aware that the dispute was declined by calling them. So from XXXX of XXXX to XXXX of XXXX not one form of communication and when we finally speak it was already placed on my credit report. I feel that this is unfair as if they had communicated to me via phone or the by mail to my new address in XXXX it would have never got to this point. Impacting a persons credit in the middle of the Covid Pandemic with no communication to the individual has had a life changing impact on my ability to secure the things I need to make my children 's and my life better. {$100.00} = 40 point impact on my credit score with no communication is simply not fair nor business like. Simply careless on their part.
Consumer complaint received 2020-07-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (MO)

XX/XX/2020 Called XXXX XXXX XXXX at XXXX, was told that they had requested my loans from Great Lakes Education in XXXX of 2020 in order to place me on the public service loan forgiveness program. 

XX/XX/2020 Called Great Lakes Education at XXXX, was told that XXXX  XXXX XXXX is not accepting new transfers of loans until after the COVID pandemic and that I would be required to make standard repayments which is over {$2000.00} a month. 

XX/XX/2020 Called XXXX  XXXX XXXX at XXXX to inquire about this, they stated this information is not accurate. 

I need Great Lakes Education to release my loans to XXXX  XXXX so I can be placed on an income driven repayment plan with public service loan forgiveness.
Consumer complaint received 2021-09-13
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BOEING EMPLOYEES CREDIT UNION (WA)

I signed up for a new checking/saving account with BECU. There was a promotion where I would earn {$100.00} if I met certain requirements. After being told I had met the requirements needed to earn the {$100.00} bonus by multiple BECU employees, I still have not received the bonus. The following chat conversations occurred over the next few months : XX/XX/XXXX Me : I recently signed up for an account to receive a {$100.00} bonus. Can you confirm I will receive this? 
BECU : After reviewing your account I do see that your account was part of the referral promotion we have going on currently and that you've completed the requirement of having 10 or more qualifying transactions go through the checking account within the first 30 days of opening your account. Due to this you will indeed earn the {$100.00} but the accounts will need to be open for 90 days before this will be paid out, so this a little after XX/XX/XXXX and this payout will be placed into your savings account. 

XX/XX/XXXX : Me : On XX/XX/XXXX the representative I spoke with told me Id already met the requirements and I should see the {$100.00} posted shortly after XX/XX/XXXX BECU : I can confirm that you have met the requirements, including the accounts being open for 90 days. From that 90 day period, which was XX/XX/XXXX, the bonus is deposited within the next 30 days ( 120 days total ). 
Me : So I should definitely see the bonus posted by XX/XX/XXXX? There is nothing else I need to do? 
BECU : What I can see on our end is that you are indeed on the list that the requirements have been met, so you should see that within 30 days since XX/XX/XXXX. Again, I apologize this information was not clearly provided in our previous replies. No, there is nothing else you need to do on your end. 

XX/XX/XXXX : BECU : I have reviewed your accounts and I am sorry that you did not satisfy the transaction requirement for our {$100.00} Refer A Friend promotion. 
Me : If you look in the chat history several other BECU employees stated I had met the requirements BECU : I am truly sorry and I will address this with my team members, but I have reviewed your checking account and you may reivew your account online as well and you will see that the transaction requirements were not satisfied
Consumer complaint received 2022-02-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Phoenix Financial Services LLC (TX)

THIS COMPANY HAS CONTINUED TO CALL MY CELL PHONE AND WORK PHONE DURING WORK HOURS. I HAD NO INFORMATION CONCNERING THE MEDICAL BILL. I HAVE ASKED THEM MULTIPLE TIME TO STOP CALLING AND THEY REFUSE. I ASKED TO CEASE AND DESIST AND THEY REFUSE. I INFORMED THEM TO REMOVE THIS ITEM FROM MY CREDIT REPORT BECAUSE THEY ARE A XXXX PARTY AGENT COLLECTING A MEDICAL BILL WHEN I HAVE PAID THE XXXX  DIRECT.
Consumer complaint received 2019-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: U.S. BANCORP (IL)

XXXX  Inquiry US Bank- Inquiry from XX/XX/2019 Institution Information US Bank XXXX , ND XXXX ( XXXX ) XXXX-XXXX  This company pulled my credit without my authorization/notice, i contacted the company multiple times by calling and sending letters and i have yet to receive a reply. I'm trying to inform them that this has to be a misunderstanding or fraud. I'm at the point to where i'm going to report this company for fraudulent activity ( Pulling credits without the person permission ) if my issue can not be resolve this time around.
Consumer complaint received 2020-07-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (NJ)

I have several balances on a Wells Fargo credit card which were can advances with 0 % interest. I was under the assumption when I make payments it went to the oldest advance first. I find out after making a payment to pay off an expiring 0 % rate that I had to wait a day after the expiration to pay it if I wanted my balance paid off. So paying ahead of the expiration they were splitting my payments to the several advances not putting it toward the oldest advance first. I never knew this and didn't realize it until I saw an interest charge this month. 

I contacted Wells Fargo who said that's how they do it. So they do it to make themselves richer while people think they are paying off the oldest first. They are not willing to change it, I feel scanned by this unethical practice. They should be held to a standard to help people not hurt them. Something needs to be done about this type of scam.
Consumer complaint received 2023-02-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (FL)

Upon further investigation, I have retained new copies of my credit reports and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you signed for on the signature date. 

I have retained a copy of your signature and date of receipt, as well as time-stamped copies of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30-day period. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. Additionally, you have broken federal law by not placing the notice of dispute onto my credit reports within the time required by law. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act. 

I further remind you that you may be liable for your willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of a dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 

( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). 

As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe and I have evidence of such, via certified mail receipts, you must now remove the item. 

Any other action ( or inaction ) on your behalf will result in a small claims action against your company. 

I will be seeking {$5000.00} in damages for the following : XXXX. Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, in order to formally defend yourself. 


P.S. Please be aware that depending upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
Consumer complaint received 2022-10-05
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. (NC)

On XX/XX/2022 I mailed the consumer reporting agencies notifying them about three consumer credit transaction accounts that they are reporting on my consumer reports without my consent or authorization. It is to my knowledge that consumer reporting agencies are prohibited by law to report any consumer credit transactions, factual information, or information solely to transactions between the consumer and the person making the report. The three consumer credit transaction accounts are for my personal, family and household purposes and I do not want my private and personal transactions and experiences furnished on my consumer report for public use with my written consent or authorization in which I do not benefit from. It is the consumer reporting agencies duty and responsibility to abide by the Fair Credit Reporting Act, display fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2020-06-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

XXXX XXXX XXXX XXXX {$780.00} XX/XX/2019 This account is an result of identity theft. I have reached out to this company several times. No result can you please help in this matter.
Consumer complaint received 2019-05-15
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc. (FL)

credit collection services is trying to collect a debt that I don't owe them, I've never been in any business with this company, not even sure they are authorized to collect debt in this state. They purchase the debt from XXXX which over charge me for services they did not provide to me.
Consumer complaint received 2018-06-13
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. (MA)

I recently paid off a settlement amount for a past due collection for {$360.00} on XX/XX/2018 to XXXX XXXX XXXX who is collecting on behalf of XXXX XXXX who was the original creditor. Credit Reporting Agencies need to delete this account now that it is paid and XXXX XXXX XXXX can confirm this to be true and they mentioned if they can they would delete my account off reports but that needs to be done by the Credit Reporting Agencies Immediately. 

THIS ACCOUNT IS NOW PAID AND NEEDS TO BE DELETED IMMEDIATELY off of ALL Credit Reports : XXXX, Equifax and XXXX
Consumer complaint received 2023-04-14
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc. (WA)

I sent XXXX $ in XXXX via Coinbase and instead the website showed that it sent the entire balance of my XXXX wallet which is {$15000.00} to another address. 
1. the confirmation web widget showed a balance in XXXX XXXX which is abnormal since it showed a transaction in XXXX XXXX 
2. I received no email confirmation which is also abnormal since the account was setup to send confirmations. 
Both 1 and 2 point to a problem originating from Coinbase servers. 

Contacted multiple times with these proofs, coinbase refused to : a. reimburse the faulty transaction b. show web log of the transaction c. answer why I didn't receive an email confirmation d. answer why the web widget showed a balance in XXXX for a transaction in XXXX
Consumer complaint received 2021-02-27
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. (GA)

I have unverified accounts on my credit reports I had previously disputed. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. The Fair Credit Reporting Act requires you to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. Therefore, I am requesting you verify the items I am disputing at a higher standard than a computer-generated inquiry, or third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain an affidavit sworn under penalty of perjury of verification directly from a person at that source : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MI)

I had first notice on my loan that they're are multipul disbursements with the same amount 15 days in the same month which that didn't make any sense. The disbursement begins on XX/XX/XXXX for XXXX then another disbursement on XX/XX/XXXX XXXX then another disbursement on XX/XX/XXXX for XXXX and another disbursement on XX/XX/XXXX for XXXX ; then on 3 months after XX/XX/XXXX for XXXX ; the another disbursement on XX/XX/XXXX for XXXX and 3 months later XX/XX/XXXX for XXXX ; then another disbursement on XX/XX/XXXX for XXXX ; then another disbursement on XX/XX/XXXX for XXXX ; then another disbursement on XX/XX/XXXX for XXXX and again another disbursement on XX/XX/XXXX for XXXX. When I ask Navient questions they always make excuses and say they can't do anything about it because they're not the one who made any mistakes it was Sallie Mae. Every 3 months they had did a disbursement which I never saw that before. They need to fix this problem and find our why I was charged double and why should I repay this student loan that I never knew it had cost me more then what the school was worth. My loans are way more then what I had studied and was stated by the school that their tuition was only XXXX for the four years I was there and it was more that was anticipated.
Consumer complaint received 2018-06-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (OH)

I signed up for the Platinum Delta Skymiles credit card from American Express with a welcome offer of XXXX bonus miles if I spent {$3000.00} in the first 3 months, which I did. To date, I have not received the bonus miles despite meeting the requirements, and paying their hefty {$200.00} annual fee. I have contact them multiple times via their online chat. I contacted them on XX/XX/XXXX, again on XX/XX/XXXX, where they confirmed I would receive the bonus miles in the next 1-2 billing cycles. Contacted them again on XX/XX/XXXX which they indicated my case was being looked into. And a final time on XX/XX/XXXX with no result.
Consumer complaint received 2018-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AZ)

On my Equifax, XXXX and XXXX XXXX credit report, its showing a current balance on the following accounts : XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX. I paid my balance in full and shouldnt have a balance. My current balance on all 3 accounts should be a recent balance of {$0.00}.
Consumer complaint received 2020-06-28
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: REGIONS FINANCIAL CORPORATION (AL)

On XX/XX/XXXX XXXX XXXX check deposited {$600.00} and paid a {$5.00} fee for immediate deposit. I noticed that the deposit sequence was not customer friendly and I was charged NSF of {$72.00}. I called the bank, they know Im elderly and on a fixed income, and the couldnt show me the courtesy of trying to resolve this issue. 

Please help me. 
XXXX XXXX XXXX, AL
Consumer complaint received 2019-05-15
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. (GA)

I was in XXXX the other day buying some shoes and one of the representatives persuaded me to sign up for a store card. For some odd reason I didn't get approved. I went home to check my credit report and found a couple of items that are not mine. These items need to be deleted from my credit report. I have contacted the FTC and my local police. I'm doing this on my own behalf. XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX. Inquiries : XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX, XXXX XXXX XXXXXXXX, XXXX. XXXX.
Consumer complaint received 2020-06-28
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: Bridgecrest Acceptance Corporation (MO)

Bridgecrest is reporting a loan on my XXXX credit file that I did not oblige to. The loan is fraud. I've sent my supporting documents on XX/XX/2020 as well as I was in contact with someone by the name of XXXX XXXX on the compliance team and have not gotten a response. The loan amount appears to be {$11000.00}. The address Bridgecrest sent over to me is not an address I have lived at nor is the signature on the documents my signature.
Consumer complaint received 2020-10-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Hello This is my 3rd complaint. My account has been frozen since XX/XX/XXXX. The conclusion was they were going to close my account and send the remaining funds back to sender. One of their reps informed me it would take 7 to 10 business days to return. I called customer service asked for a supervisor and they denied it. All calls are being recorded. I told them to pull the recordings and they could verify what I was told. I have yet to receive a call from anyone. I left tons of messages and nothing. The funds is occurring interest thru the company that sent it. The longer capital one keeps the funds the more I will owe the company. Why treat people so heartless? I have had a couple of family members that passed in a matter of 2 weeks due to this virus, my business is not doing well, I was laid off and dealing with this. Its not fair. I've been experiencing financial hardships. I can not bare to experience even more. All I'm asking is they please send the funds back. If I need take legal actions they need to tell me something but all they keep saying is no time frame. That's hurtful to experience, Especially during a time like this. Can someone please respond. I understand they have policies they follow but to not give someone a time frame or communicate with me at all is unacceptable. Hopefully this last complaint will help.
Consumer complaint received 2022-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On my credit report, XXXX XXXX XXXX Bank is showing a credit card account late 270 days in a 3-month span. How is that possible when there are only 90-days in 3 months? 
It is ridiculous and hurting my credit score. 

Also, it's a violation of my rights for XXXX, Transunion, and XXXX to report late payments to my credit report without first contacting me, and second getting my permission to do so.
Consumer complaint received 2018-06-13
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC (MD)

On XX/XX/2018 i took out a loan for {$500.00}. To this date i paid {$840.00} and only {$15.00} went to the principle. I still owe {$480.00}. The APR is 469.1328. I didn't get a chance to view the Truth in lending disclosure until the loan processed and hit my account. I didn't know the interest rate until the loan hit my account.