davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (OH)

I requested a refund for payments made during covid deferment. Fedloan Servicing processed the request and said I would get a payment in 6 weeks. I have yet to get a payment and can't get a hold of them for an update.
Consumer complaint received 2019-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: WAKEFIELD & ASSOCIATES, INC. (SC)

I had to surrender state taxes this year so some of the debt should be accounted for. Also the bill was extremely outrageous. I think im going to contact legal experts for companies over charging XXXX. Especially here in the South Carolina. I need some kind of resolution and a.s.a.p
Consumer complaint received 2022-02-28
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. (OH)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, 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 2022-02-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

I am an XXXX XXXX XXXX XXXX. On XX/XX/2022 XXXX $ was taken out of my account and transfered to a different account. I did not authorize this wire transfer. The money was sent to an external account number which was added to my account on XX/XX/2022. I never requested for an external account to be added. I have called Chase Bank multiple times. However they say they determined the wire transfer was authorized and they refuse to give me back my money or help me at all. I am at a complete loss as what to do. Chase Customer service has been useless.
Consumer complaint received 2021-02-12
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings (MA)

I was informed by collection agency I.Q. Data International, Inc on XX/XX/XXXX that they were attempting to collect a debt of {$14000.00} for the creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX. I contacted a representative at I.Q International by phone to discuss and dispute the action. The representative accessed the account XXXX XXXX XXXX. The collection contends that I violated lease terms by vacating my residence without providing proper notice. I informed the representative that I did not have a lease with the company. I further informed him that all rent payments were made in full and that I was in possession of a letter from the management office at XXXX XXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX that due to the pandemic no leases would be required in XXXX and no rent increases would apply. I received a second notice from the company dated XX/XX/XXXX that my rent has been increased from XXXX monthly to XXXX monthly plus an additional XXXX monthly convenience fee for non renewal of the lease totaling XXXX month. This amount was due immediately and every month thereafter that I elected to remain at the property. I vacated the property the following month. Upon review of the account the I.Q. Data representative agreed and acknowledged that the collection amount was inaccurate and the company 's supporting documents did not match their claims. I made a written request to I.Q, Data International , Inc to provide in writing an explanation of the charges and amounts. At no time was any judgement ever entered against me in any court. No rent on the property was ever unpaid. My request was sent to the I.Q. Data International , Inc via certified mail on XX/XX/XXXX. To date I have received no response or documentation from I.Q. Data International, Inc. I had considered this matter closed until discovering a collections report had been made on my credit statement. My current credit score is XXXX. I maintain all the documentation to support my position that no monies are owed to XXXX XXXX XXXX  XXXX XXXX XXXX. Supporting documents are available upon request but files were to large too upload on this site. This is a falsified and damaging action taken against me and I am asking for a complaint to be started against I.Q. Data International and if possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX.
Consumer complaint received 2022-10-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Neon Newco Corporation (TX)

I have an account with ACE XXXX  ACE-ELITE Flare Account. 

I have been suspicious and have noticed recently that the balances does not add up to what ACE debit or credit to my account. 

For example : On yesterday, XX/XX/XXXX, I had a previous balance of {$15.00}. I made an ATM withdrawal in the amount of {$53.00}. 

I received a text account alert from ACE stating my account was overdrawn by ( - {$60.00} ) Additionally, I received an emailed NEGATIVE BALANCE TRANSACTION NOTICE stating the following : " Our records indicate your above-referenced ACE Flare Account ( " Account '' ) currently has a negative actual balance of ( {$40.00} ) after a transaction on XX/XX/XXXX. To avoid a {$20.00} Overdraft Fee for this transaction, please add ( {$40.00} ) to your Account by XX/XX/XXXX at XXXXXXXX XXXX XXXXXXXX. We will apply any funds credited to your Account to your negative balance before such funds are available to you for use. '' I made a deposit today at or about XXXXXXXX XXXX XXXXXXXX, in the amount of {$240.00}. After which, I received another transaction account alert, via text stating the following : {$180.00} available in your Flare Account after adding {$240.00} on XX/XX/XXXX at XXXXXXXX XXXX XXXX. '' In that, NONE of these balances or the idea that {$20.00} Overdraft fee was avoided. 

Particularly since.. My account had a balance of {$15.00} ( XXXX ) to the {$53.00} ATM withdrawal. $ XXXX $ XXXX ( - {$37.00} ) NOT ( - {$60.00} ) as ACE has wrongfully and falsely misrepresented. 

Even if the {$20.00} Overdraft fee was added, the balance due should ONLY reflect ( - {$57.00} ) NOT ( - {$60.00} ) as ACE XXXX has wrongfully charged my account. 

Lastly, If the {$20.00} Overdraft fee was avoided as ACE XXXX has falsely advertised, " To avoid a {$20.00} Overdraft Fee for this transaction, please add ( {$40.00} ) to your Account by XX/XX/XXXX at XXXXXXXX XXXX XXXXXXXX. '' the final balance in my account AFTER my deposit in the amount of {$240.00} should be : ( {$280.00} ) NONETHELESS, my current available balance is {$200.00}. And there are no pending transactions EXCEPT an automatic draft that is scheduled for tonight in the amount of {$170.00}. Therefore {$77.00} is UNACCOUNTED FOR and unavailable for my use. 

Further, I am aware that XXXX EXPRESS has been fined by your organization for the same activities. This has been going on with my account for a very long time and my account needs a complete audit as I am under the impression XXXX EXPRESS has wrongfully, stole hundreds, IF NOT thousands of dollars from my account because of their own accounting. 

Please assist with this complaint and also be aware that XXXX EXPRESS is notoriously documented and proven by the CFPB, for committing these acts against their account holders.
Consumer complaint received 2023-01-10
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: LEXISNEXIS (IA)

My current credit report has a listing and or listings in which has not been validated by your company per request per the FCRA 623 ( a ) ( 5 ) : If a Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the credit file. The Bankruptcy XXXX has mailed me letter which states the DO NOT provide any information to Credit reporting agencies, nor do they ever validate and/confirm public records. It is the credit reporting agencies, and/or third-party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U.S District court system due to the Fair Credit Reporting Agency PRIVACY LAW. My request to the U.S. District Courts Confirmed lexis nexis has never validated or verified these public records entries on my credit report, neither will they ever by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act Violation, I need all tax lien and bankruptcy information currently showing under my social security number, date of birth, and/or address to be PERMANETLY DELETED from my Credit report Immediately. lexis nexis needs to provide me with copies of all documentation associated with these public records bearing a court order to place this information in my credit report with my authorization of release bearing my signature. To be in full compliance with the FCRA laws and guidelines, all information listed under Public Records needs to be immediately deleted from the credit file you maintain under my social security number, date of birth, and /or address. Be further advised that I am closely monitoring my credit file. Per the Federal Law, you have Exactly 30 days to complete this investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). Per the Federal Credit Reporting Act. Section 609 ( a ) ( 1 ) ( a ). you are required by Federal law to Verify- through physical verification of the original signed consumer contract and/or judgement ( s ) - all accounts and public information that you post on anyones credit report. Otherwise, any paying for your reporting services could fax, mail, email in fraudulent and erroneous account information. As Such, if this unauthorized public record information is not deleted from my credit report within the next 30 days, I have already filed a complaint with the Federal Trade commission and will follow with a Consumer Financial Protection Bureau Claim if you fail to respond within 30 days of receipt of this dispute.
Consumer complaint received 2021-03-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (TX)

IRS.gov stated my payment was deposited in my checking account on XX/XX/2021. It never was deposited and I am on XXXX and I filed taxes through XXXX and I didnt receive my money. I have many charges on my account that I didnt make. My bank has to change my ATM/Debit Card over 6 times and Ive had to file numerous claims.
Consumer complaint received 2022-10-12
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. (GA)

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts : XXXX XXXX XXXX
Consumer complaint received 2019-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (IL)

Across many credit scoring websites my Equifax score appears as unavailable. I don't understand why this is. My XXXX XXXX account states that my Equifax score dropped by over 500 points. I feel as if there most be some type of error on Equifax 's behalf.
Consumer complaint received 2019-01-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: DISCOVER BANK (NJ)

My previous gym keeps billing me on Discover Credit card. I didn`t use that gym for the last year. Yet they keep billing me the membership fees. I canceled it and I asked Discover card to stop paying them. They kept transferring money to them. I kept asking for dispute but still, it is not working. 
The amount is $ XXXX monthly. They started to bill me XX/XX/XXXX until XX/XX/XXXX. 
I stopped going to that gym in XX/XX/XXXX.
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 — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

It has come to my attention that i have been a victim of Identity Theft for a few years now. XXXX XXXX XXXX XXXX placed a collection on my credit report that was from Fraudulent Activity. I have contacted XXXX XXXX XXXX XXXX and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!
Consumer complaint received 2022-12-21
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: JPMORGAN CHASE & CO. (VA)

This is to inform you that JPMCB CARD SERVICES unlawfully reported an unauthorized inquiry on my consumer report. I have not given them permission to access my credit profile and they have no permissible purpose by law to contact third parties with my private or personal information. Their offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A.

JPMCB - CARD SERVICE 10/13/2021 15 U.S. Code 1681n - Civil liability for willful noncompliance ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.
Consumer complaint received 2021-01-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (AZ)

On XX/XX/21 a payment was submitted to my XXXX XXXX credit card using my chase account for {$100.00}. XXXX XXXX has not and did not receive the funds. Additionally I was charged an NSF fee for a payment I didnt even submit. When I called chase to dispute the transaction so I could recover the {$100.00}, I was told by XXXX separate chase claims reps, one being an escalation contact that they are unable to dispute the transaction or assist me in any way. When I asked why I would be penalized for some clerical error done on the banks part I was told because I made the payment. Im pretty sure chase is required per XXXX  or XXXX XXXX  that when they make an error they are supposed to rectify once they have been notified. I was essentially just snickered at once I asked what protection as a consumer I had and was told by XXXX, nothing. They offered no solutions and no help and no explanation why there wasnt something in place to assist in the event an ACH payment was misapplied. 

How can I get my XXXX {$100.00} back and the fee back. As a consumer I cant even believe I have to write this. I will be closing my chase accounts very soon as well.
Consumer complaint received 2022-10-11
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. (SC)

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, XXXXXXXX XXXX : # XXXX, XXXX XXXX : # XXXXXXXX XXXX : # XXXXXXXX XXXX  : # XXXXXXXX XXXX XXXX XXXX  : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX # XXXX, DEPT OF EDXXXX : # XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-10-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (GA)

MOHELA has utterly neglected its duties as a servicer on two fronts : 1 ) failure to send me a letter confirming closure of my previous ( non-federal ) student loan account with them after I paid off those loans, and 2 ) failure to make its website and its phone lines operational and accessible to address problems for those who have federal student loans that MOHELA is now in charge of servicing. 

From approximately XXXX through XX/XX/XXXX, I had loans held by MOHELA due to my XXXX attendance at XXXX XXXX in Missouri. I paid off those loans in full ( in the amount of {$4500.00} ) on XX/XX/XXXX. Yet I have not received a letter or any other communication verifying that that account is closed. Fortunately, I printed out the receipt confirmation for my records, and an alert on my credit report says an account has been closed. But MOHELA has failed to send me any letter reflecting this, and that is unacceptable. 

Moreover, since my federal loans transferred from XXXX to MOHELA, I have been completely unable to view any of my info on MOHELA. The site won't let me go beyond logging in, despite all my troubleshooting. The site also won't allow me to create a new MOHELA account to view my federally-held student loans. To clear up this problem, I tried calling MOHELA 's helpline at least five times over the last month ( since XX/XX/XXXX ) and encountered wait times ranging from 100 to 125 minutes in each instance. No one answered even after I waited the entire 100+ minutes. I was curious about whether this problem was common and decided to do some digging ; I found dozens of XXXX threads of people experiencing the same unbelievable wait times and inability to reach a human being at MOHELA. Wait times of over 100 minutes are beyond ridiculous. What will happen once the debt cancellation application opens and I'm still unable to access MOHELA 's site and helpline? What will happen to millions of others like me?

In summary, MOHELA has failed in its duties as a servicer : 1 ) failure to send a letter confirming closure of my previous student loan account with them after I paid off those loans, and 2 ) failure to make its website and its phone lines operational to address problems with access for those who have federal student loans now serviced by MOHELA. This is beyond outrageous, and the CFPB has a responsibility to take action to protect millions of borrowers like me from MOHELA 's unscrupulous behavior.
Consumer complaint received 2021-08-20
Product: Credit card or prepaid card — Store credit 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. (OH)

- XX/XX/XXXX fridge installed, Order # XXXX - XX/XX/XXXX contacted XXXX XXXX as directed by delivery agent because there was no freezer handle. In addition there were scratches on the unit from the packaging and instillation. 
- Best Buy was unable to request a freezer handle from the manufacturer and ship it to me. I had to contact the manufacturer myself and get a freezer handle. For the inconvinece they offered to price match a competitor. 
-For the scratches, if I kept the unit they offered a 10 % discount -Total discount of {$560.00} was supposed to be credited to my BEST BUY credit card, which was used to make the purchase. 
- I have received two billing statement and still received no refund. 
- I received emails on XX/XX/XXXX saying they processed the refund, but nothing. 
- I have called them on XX/XX/XXXX, XXXX, XX/XX/XXXX to try and resolve I also chatted on XXXX XX/XX/XXXX In all instances I was on the phone for over an hour or chat and they all said they didn't have the authority/ability to refund. One supervisor did state he didn't care that a previous team member made the agreement, he would not honor and would not escalate further. At this point I would consider this a bait and switch to keep a damaged unit.
Consumer complaint received 2022-10-12
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: SYNCHRONY FINANCIAL (FL)

My cat was hospitalized at a vet. I was charged for an XXXX that I did not authorize. The provider is lying, saying I gave verbal authorization, but I did not. in addition, during my last conversation with the doctor, he suggested the next diagnostic tool would be an ultrasound. They would not give me my cat back until I paid and would not provide me an invoice until I paid first, therefore I did not see the charge. ive tried to dispute this charge several times with care credit unsuccessfully. I have the initial estimate that I signed, which does not include an ultrasound. The provider stated I agreed to miscellaneous charges, which I was told would be for medicine, not an ultrasound. A ultrasound would be listed separately as a diagnostic tool. This contradicts them saying I verbally agreed. Had I verbally agreed they wouldnt need to ask since I already authorized miscellaneous charges only for medication. Furthermore, the miscellaneous charge amount was {$300.00}. The amount I am disputing is {$490.00}. So even if I had agreed the amount was more than I agreed to. When I initially brought this up to the provider, I was told by the nurse that the ultrasound had not been performed and they would adjust my bill accordingly. Later on I spoke to someone else and they said that the ultrasound had been performed but they didnt know where the results were. After that, they changed the story again saying I verbally authorized it, and a doctor spoke to me about the results. Again thats never occurred. Carecredit said they will no longer dispute the charge. Please assist me with this matter. As you can see from the estimate I agreed to, no ultrasound was listed. Each diagnostic test was listed separately. I appreciate your assistance. Thank you.