davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-06
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Colony Brands, Inc. (IL)

Dear sir/madam, as I was going through my credit report on XXXX and XXXX few months ago, then I noticed a negative report on my credit. The negative report was from a Company called SWISS COLONY ASHRO and Another company called XXXX XXXX XXXX. Any time I dispute the accounts, they kept sending me a letter at my home address saying they investigated the dispute and notice it was mine. First I have never had any account with SWISS COLONY ASHRO and XXXX XXXX, Second, They have to explain which address I was living when I acquired this dept. .I do n't know how they got my social security and my date of birth because I know I have never had any account with SWISS COLONY ASHRO or any of it affiliates. 
I am requesting that SWISS COLONY ASHRO and XXXX XXXX or any of their affiliates should remove such negative and false statement from my credit report THIS COMPANIES ARE AFRAUDULENT COMPANIES, first they came up with the name XXXX XXXX account number XXXX on my credit report. after so many dispute I submitted against the account, I was forced to pay dept in the sum of {$45.00}. The dept I did not own, the dept that does not have my name on it. 
After that they came up with another name SWISS COLONY ASHRO with same account number XXXX stating that I was owing them. This is fraud I do n't own this companies any money and I never had any transaction with them I do n't even know the kind of business they do. They have to pay me back the XXXX dollars they fraudulently took from me. 

Dear sir/madamI want your office to go through my credit report to verify my statement. my credit report has so many names I do n't know where they came from. I contacted XXXX AND XXXX REGARDING THIS MATTER, all they said was that they can not remove those name because some companies like XXXX and SWISS COLONY ASHRO reported some account to my credit report with the names. 
I want your office to investigate this matter because any time I dispute these XXXX companies that has XXXX account number XXXX and XXXX kept saying the investigation stated that the account was mine. 

THIS IS FALSE INVESTIGATIONin the year 2013 when I wanted to open online account with XXXX, the man who spoke to me from XXXX told me that someone already opened the online accountwith my social security which I have no knowledge of who that was. Then the XXXX representative later cleared it off and created a new account for me. I want your office to investigate all these because I have filed so many compliant regarding the information on my credit report and most of the company claim they investigated the case which I knew all their so called investigations was not done right.
Consumer complaint received 2022-11-21
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (CA)

Check payment made through XXXX XXXX XXXX XXXX XXXX XXXX. Check # XXXX for {$660.00} was mailed on XX/XX/XXXX and cleared from my XXXX XXXX XXXX XXXX account on XX/XX/XXXX, but the payment is not posted to my account. My account still shows a balance. Noticing the issue, I made another minimum payment of {$29.00} to avoid the late fee charges. I also contacted XXXX 's customer support, and the agents from the XXXX could not help me. After requesting to transfer to XXXX based customer support they hang up the phone on me. I took a shot and sent an email to resolve the but no luck.
Consumer complaint received 2022-11-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/2022 i went to a chase ATM and deposited {$300.00} total in XXXX bills of {$10.00}. The ATM shutdown and malfunctioned resulting in eating the {$300.00} i deposited into the machine. I immediately called chase customer support as advised on the machine. They issued me a temporary reimbursement the same day. Today XX/XX/2022 Chase issued a claim reversal and the amount of {$300.00} which was reimbursed, was taken from my account again. I called Chase and they told me my claim was denied as they did not find the {$300.00} in the ATM. I find this impossible as i did insert {$300.00} and was never deposited into my account due to ATM shutting down. There must be video footage in the ATM that can show me inserting the money.
Consumer complaint received 2016-09-02
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Financial Credit Service, Inc. (GA)

I sent a " XXXX XXXX Letter '' to a company trying to collect on a 20 yr. old debt. I recv 'd. several calls in the 2 weeks after the recv 'd the letter. The other day, they called again. I answered. 
1. They said they never recv 'd. the letter even though I told them who signed for it. So, I read it to them. 
2. The stated they are an " XXXX Firm '' not a collection agency and the consumer protection laws and the " Fair Debt Collection Practices Act '' does not apply to them. 
They said they would still pursue the debt.
Consumer complaint received 2022-02-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CMI Group, Inc. (TX)

XXXX XXXX  extended credit to a fraudulent person for services. acct XXXX. XXXX has passed the bad debt to Credit Managment LP of XXXX TX and they sent me a letter demanding payment. 

First I have not had cable in over 22 years and am XXXX XXXX XXXX XXXX  customer. 
Secondly XXXX did not try to contact me at my permanent address. 
Third I only know XXXX extended this account to someone in Florida which I have never lived there. 
Fourth I have my Credit Bureau files " locked '' down with a pin. It appears XXXX did not perform due diligence to ensure the credit is good and valid.
Consumer complaint received 2019-02-16
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Hello, I received emails about a ticket transaction that was unfamiliar to me. I checked my Bank of America account and realized I had suspicious activity. Charges I had not made to a company called XXXX XXXX XXXX. 

I was charged on XX/XX/2019, the transactions are on my statement as follows. 

TICKETS XXXX XXXX CT {$100.00} also TICKETS XXXX XXXX CT {$160.00} I read the instructions on their website and called. I checked with anyone that has access to your account. No one has access besides myself. If you still suspect your information was stolen, please call us at XXXX to file a claim. I called and had my card cancelled. For your protection we will close your account to prevent further use, open a new account and issue you a new credit card. They issued a new card. My fraud dispute appeared on my card activity on XX/XX/2019. 

The charge was credited back to my account while they reviewed my claim. 

I received a letter on XX/XX/2019 stating my fraud claim was not approved. I called again and asked them to renew my complaint when I saw the transaction reappear on my bank account before the letter arrived. 

I am still receiving emails from the company XXXX XXXX XXXX. They do not have an unsubscribe option and I am not comfortable calling them. This is a link I found through the email they sent. https : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-01-26
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (VA)

Navient had me on a payment program and I was paying a somewhat reasonable amount monthly. However when it ended decided that I had been on too many programs since the opening of my account. I tried multiple times to work with them on a reasonable payment plan but they could not lower it unless I sent them XXXX bank statements and XXXX paystubs. The manager would go through my bank statements to make sure I was not spending my money on frivolous items like XXXX, etc. Initially, I refused based on principal. I have nothing to hide and do not spend extravagantly but felt this was an invasion of privacy. I paid what I could each pay period but continued to accrue fees and they called me up to 15 times per day and on the weekends via automated calls even though they were closed. When they could not reach me they would contact my references that I had to list when I applied for the loan. They harassed my family and friends. They hung up on my mom 3 times when she asked to speak with a supervisor. Afraid of garnishment and worse, I finally sent my bank statements and pay stubs. This is still not a guarantee they will lower my payments. It is humiliating. I am awaiting review of my account for them to determine if my payments will drop from {$570.00} per month to {$240.00} per month. I borrowed {$20000.00} and now owe {$79000.00} after 5 years. I want nothing more than to repay what I owe, but I have so many other bills that I can not repay the monthly amount without an income based repayment plan. Taking out a private loan was the worst mistake I ever made and has made me wish I had not returned to school for my degree. XXXX ( now Navient ) are more like mafia than student loan lenders. They never stop. I have tried to consolidate my private loan debt with XXXX and my credit union but because my credit is affected by these student loans, I have been declined. I feel like I am at a loss. I borrowed money to better my life by getting my degree and a great career. Sadly, I regret this decision daily because of these loans. I hope that filing this complaint will help other making a decision about private loans.
Consumer complaint received 2022-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: KEYCORP (WA)

I am trying to open a XXXX XXXX XXXX  account and my account was flagged due to it being marked that I committed identity theft when it should be marked as I went through fraud. Someone tried to open a key bank account under my name.
Consumer complaint received 2017-01-13
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: KEYCORP (NY)

I have an account with Key Bank and have been disputing a recurring charge with them from XXXX XXXX XXXX for months ( I initially went through XXXX XXXX XXXX but after 3 months of the charge still recurring I began disputing it with Key Bank. I know it is only XXXX but I 've been being charged this fee for I think over 2 years now and can not get it to stop. I tried calling Key again today but after promising a wait time of less than 3 minutes and being on hold for over 10 with no updated wait time expectations, I could n't wait any longer.
Consumer complaint received 2017-01-23
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: WELLS FARGO & COMPANY (WI)

My car was repossessed this morning! It was a shock because I never receive any notification, not by telephone call, not a single mail, just nothing out of the blue. We have been faithful in our payments, never missing any. We have set up an automatic monthly payment. I called the car loan and they said I am 90 days overdue. 

I suspect this may be due to a bank merger, my bank changed to a new bank. That is where automatic monthly may mess up. But what I am furious about that there zero communique at all! When I called the bank, I found out that they had my old address and telephone number on the record. I called them two years ago to update my new address and telephone number. They have been deducting my payments without any problem since I updated my address & telephone.
Consumer complaint received 2022-11-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (TX)

The FDCPA prohibits debt collection companies from using abusive, unfair or deceptive practices to collect debts from this company has no right to collect in my state. This company does not have a license, permit or permission to collect in my state via XXXX. Permit from Commissioner of Insurance ; penalty for violation ; exception.
Consumer complaint received 2022-11-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: BlockFi Inc ()

Hello, On XXXX XXXX declared on XXXX that they would pause withdrawals from BlockFi Wallet stated in point 3 of their official email : " 3. Until there is further clarity, we are limiting platform activity, including pausing client withdrawals as allowed under our Terms. We will share more specifics as soon as possible. We request that clients not deposit to BlockFi Wallet or Interest Accounts at this time. '' I have a wallet under my name on BlockFi with approximately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I've tried to withdraw everything on XXXX and my transactions are still pending even though they were supposed to be delivered on XXXX I've contacted customer support at BlockFi several times but it seems like BlockFi is not responding to anyone anymore and not communicating in any sort of way. 

I want to make clear that these balances are on my investor wallet on BlockFi ( not my interest wallet ) and I would like to state my concern about the ownership in cold storage, these wallet are in my name and should not be used to satisfy secured creditors should a bankruptcy come. 

I'm not a US resident, I'm Italian resident and I'm really concerned about what is going to happen in case they will file for XXXX. 

I thank you in advance for your help and hope this will resolve soon
Consumer complaint received 2022-11-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC (TX)

The FDCPA prohibits debt collection companies from using abusive, unfair or deceptive practices to collect debts from this company has no right to collect in my state. This company does not have a license, permit or permission to collect in my state via XXXX. Permit from Commissioner of Insurance ; penalty for violation ; exception.
Consumer complaint received 2022-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Nelnet, Inc. (MN)

I enrolled into XXXX XXXX at the XXXX XXXX location. I signed up for medical billing program around the year 2010. I was told I was approved for complete financial aid since I was a single mom and had no income. The grant was suppose to be approved for the program which was XXXX in financial aid. Then I found later that the school was closed permanently due to fraud. I tried contacting the school about my program and certification upon completion. It was unsuccessful, since then I have never received any notification about the closer or updatea about my certification they had promised and was unsuccessful finding a job. I also found out they have taken out not only federal loans under my name they also made extra personal loans which now I never agree or benefits from these loans. I am a victim of fraud from XXXX XXXX.
Consumer complaint received 2016-05-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (OH)

I am contacting you once again about my mortgage company Wells Fargo, who I do not think is following the guidelines to have my modification approved. I have attached documents and letters from Wells Fargo stating they would help with modification of reinstatement of payments and each time I call I get different answers. So please let me know if you can help.
Consumer complaint received 2022-11-07
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (AZ)

The Wells Fargo site in XXXX, Minnesota has not sent my court ordered settlement in 30 days as expressed by this dept. in an email that Wells Fargo is providing.which is handled by Wells Fargo in their branch locatons in XXXX, AZ. 
The check at the latest should have arrived XX/XX/2022. 

It is XX/XX/2022. I notified ithe XXXX last week in regards to the court ordered award check from Wells was not not received. Please ask why? Please ask why Email : XXXX. is an invalid address? In regards to obtaining clarification from the office in New York at ( XXXX ) XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX NY XXXX this is her email address and I can not send an email, because the address is invalid XX/XX/2022. Why? Please investigate this activity on behalf of Wells Fargo. I talked to a Wells Fargo XXXX and she made the statement numerous customers were present asking why? Why isnt Wells Fargo following up their customer service? I have been informed that Wells Fargo is now a safe bank This is very poor customer service follow-up and another goverment consumer complaint. I want to close all communication and I can not due to evasion. 
I have XXXX. 

Please investigate this company! 

XXXX XXXX XXXX :
Consumer complaint received 2022-02-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY ()

XX/XX/2022 I go to Wells Fargo Bank XXXX XXXX, TX, and fill up a Wire Transfer Request in order that the bank send my funds in my Check account to my bank in XXXX. 
XX/XX/2022 The manager of the fore-mentioned bank phones and says my fundds will be sent in a check to my adress in XXXX XXXX XXXX 
XX/XX/2022 To date there has been no confirmation of the promised action. The manager of the bank does not answer my phone calls nor my emails.
Consumer complaint received 2018-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MO)

( XX/XX/2018 ) I called XXXX this morning to rectify the problem and I got disrespected, insulted, the customer service reps said things like " I don't care '' or they would keep hanging up in my face like little kids instead of addressing the problems. XXXX will print out anything from their computer and claim it as being true when in actuality its a lie, glitch or error. XXXX kept hanging up in my face while saying " Why do you keep calling in? '' I answered " Because you keep hanging up in my face ''. Lastly I spoke with a XXXX representative that refused to give me his name, he said he was from the XXXX branch within XXXX, He identified himself as " XXXX '' which I thought was very strange. The guy preceded to insult me and speak to me with a condescending attitude. The XXXX rep behaved like a child, repeatedly hanging up in my face and joking around on the phone, finally instead of addressing the problem the XXXX rep said He was calling the police on me for harassing and threatening him. He also said he would do everything in his power to keep reporting negative fraudulent things into my credit reports. After he threatened to have me arrested for calling about my problem I knew XXXX was/Is a criminal enterprise! Why does the US Dept. of Education do business with fraudulent criminals? I went to the XXXX police department to check and see if XXXX filed a false police report against me and they said that XXXX could not do that and they wouldn't take a police report on that if they did. XXXX does illegal things when dealing with students/customers and I would like something done about it.
Consumer complaint received 2022-11-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Grain Technology, Inc. (NJ)

Well i had a issue with my XXXX XXXX XXXXXXXX account i was forced to open a new bank account with a new bank so my XXXX XXXX XXXX  was linked to my grain app i tried several times to input my new banking info but it did not let me also a week or so later the app went totally blank then a few more weeks past i received a email stating my payment was late i received the email on XX/XX/2022 on that same day i made the payment not once prior i received any email stating that i was late nad that it was going to be reported on my credit till that day on XX/XX/XXXX the email stated i had 30 days to make payment of it will be reported to credit bureau so i made the payment that day the full balance late fee included to my surprise a week and a half later they reported the same balance to my credit report i have no way of contacting this company this is affecting me so much i was in the process of a major purchase this drastically harmed my able to do so ive contacted them various times what was wrote on the email i received on XX/XX/2022 should be honored if i have 30 days like stated on email and i make payment that same day why is it being reported i ahve no problem paying the late fee and if i missed the payment that email should of been sent prior so the 30 day grace period is honored not at the end of the month and then when payment is made is still reported
Consumer complaint received 2022-11-07
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NC)

I apparently clicked on XXXX of the litany of paypal phishing emails and someone accessed my paypal account and sent XXXX to someone via friends or family that I do not know or have any idea who they are. Paypal said they were not unauthorized transactions when in fact they were XXXX XXXX unauthorized. My bank is currently investigating as well. This is life changing money that was fraudulently scammed from me,
Consumer complaint received 2022-02-21
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. (PA)

Companies are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXT XXXX XXXX, 2014 They have never complied with providing me with proper ink signatures between me and their companies upon any agreement.