davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-19
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Southwest Credit Systems, L.P. (NC)

I have to just put it how it is the SWC or whatever the collection agency is for XXXX is bold faced lying. There could n't be more of a lie told. First and foremost, they began claiming it was a debt from XXXX in Massachusetts. Now I see they are claiming it is a debt from XXXX in XXXX. I have new for you, 1. I did not even reside in XXXX at that time, and 2. The cable was not in my name. Therefore, you are lying. If you are not, please send me documentation as proof that I had service in my name in XXXX at that time. I guarantee you can not. When I spoke to you fraudsters, you stated it was because in XXXX you did not receive some receipt for equipment that was still at the location. You are seriously just flat out lying. You have nothing to back up your allegations. How can I owe on something I never had. The bottom line is I do not owe you anything! And I am not paying you a dime. What you need to do is send me via certified mail with a return receipt a copy of your phony documents. I know whomever is responsible for stealing my identity is attempting to keep fraudulent accounts on my credit report. I have not utilized credit since XXXX. You claim this is in XXXX in XXXX. Guess what? I did not live there. Get your facts straight before you lie. I can not believe you first attempted to claim it was in Massachusetts in XXXX now it was allegedly in XXXX. Obviously, you do not know where I was residing and you obviously do not know that the service was not in my name. STOP LYING! I can press charges for that. I will file a police report and I will provide your bogus statement with proof of my whereabouts and the fact that I did not have service. You are just some scumbag debt collector trying to get money. Not this time!
Consumer complaint received 2022-09-16
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. (CA)

My name is XXXX XXXX and I have been a victim of Identity Theft. There is an account that does not belong to me. I have sent a letter to the companies trying to get the information removed. XXXX XXXX account does not belong to me and I would like it to be removed from my report immediately as it is causing my financial hardship.
Consumer complaint received 2022-04-11
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: JPMORGAN CHASE & CO. (MD)

In XX/XX/2021 I notice there is an offer on Chase web site. I am going to get XXXX promotion points when I applied Marriott XXXX card and spent {$3000.00} in first 3 months. So I applied the card through chase.com and got approved. I spent more than {$3000.00} in the first 3 months. However I didn't see XXXX bonus points in my account. So I contacted chase customer service through secure message. First they said I didn't spend enough in first 3 months. I pointed out that's not true. Then they acknowledge I spent enough money in first 3 months. But I am only eligible for XXXX points instead of XXXX. I send them the screenshot I took from their website. I pointed out that I didn't get any warning that I am not eligible for XXXX points when I applied the card through chase.com website. They couldn't give me an acceptable explanation but just insist that I can only get XXXX. I feel being scammed by Chase.
Consumer complaint received 2022-09-15
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 to the Fair Credit Reporting act XXXX  account 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 1681section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 

Listed are some additional XXXX  accounts that violated my rights, XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (GA)

Good afternoon, my name is XXXX XXXX I have been banking with wells Fargo for about XXXX years. About XX/XX/2020 I wired money to have my car fixed to XXXX XXXX ( {$1000.00} ). Days later my account looks as if it had been compromised. For several days I received many calls from wells Fargo & I also did not have access to my account. I was required to visit branch to unlock my account. All of my money ( {$6000.00} ) had been snatched from my account. A false check was also deposited into a atm with my name misspelled & different signature. My account is now over drawn by {$1000.00}, I never received this debit card that was used for the transaction. My Wells Fargo banking is only conducted in the city of XXXX GA. I requested for wells Fargo to open my claim which had first been denied and check the IP addresses or the wire transfers. If you look at the screenshots below it looks as if XXXX individuals were attempting to sent money back & forth.
Consumer complaint received 2022-04-11
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 — Investigation took more than 30 days
Company: Lending Club Corp (NY)

I am XXXX XXXX submitting this complaint on my behalf there is no third party involved. On XX/XX/2022 My billing error dispute ( Exhibit Included ) was delivered to Lending Club This Company has refused to acknowledge receipt of the documents they are furnishing inaccurate and incomplete information on my consumer report which lacks accuracy and integrity pursuant XXXX XXXX XXXX. I have included in my Exhibits the proof of delivery along with my pre arbitration demand letter. This shall serve as my second and final notice of an error that I am disputing in my bill and demanding Lending Club make the appropriate changes necessary to properly reflect my account. The inaccurate information has caused me the inability to obtain credit for my personal, family and household use. Lending Club Is furnishing information without accuracy to XXXX, XXXX AND XXXX which lack a great deal of integrity which has caused substantial harm.
Consumer complaint received 2016-02-20
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: CITIBANK, N.A. (TX)

my husband had a XXXX XXXX XXXX and I needed to remodify my loan my husband who was the bread winner of the family would n't be able to work any more and we were living on my XXXX/ of XXXX a month we went from XXXX to mine over night. I filed they said to skip three months I was learly but I followed the instructions to the letter and they put our home in foreclosure and we almost lost it I called and wrote senators and govenors and even the president they a even tacked about XXXX to my loan after about three months of doing this,, this was wrong and needless and needs to stop, it was citi mortage account XXXX why is this happening to people? and can we get the money they conviently took from us my husband died XXXX XXXX and the stress of this did n't help I sold my home and moved to XXXX where I have just file a complaint with XXXX,,
Consumer complaint received 2017-04-10
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (AZ)

I have been trying to work with Navient for the past few years, prior to getting behind on payments I called them because I knew I would n't be able to make the payments they were asking for. They are now threatening to sue me, have claimed I have failed to communicate with them, which is a lie and have called me at my job three times, after I told them I cant receive these calls at work, after the first time. I sent a letter last week telling them in writing not to call me at work, and requesting all further communication be in writing. Today they did it again! They called me at work. They have refused to lower my payment even though they have done financial reviews and can see I do n't have the money they want every month. They have hung up on me and told me " you 're not trying hard enough ''. I have developed XXXX and XXXX because of this unfixable issue.
Consumer complaint received 2016-12-21
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Consumer Portfolio Services, Inc. (NC)

I have notice some issues with my account Balance being the same since my vehicle purchase in XXXX 2013 and my loan dates the maturity date as well as my payment dates. Credit bureau reporting balance is always wrong as well as payment amounts. I would like for this to be researched due to the fact that this finance company Consumer Portfolio Services has had some the same issues going on for years. Which I just learned of doing some research on the CFPB site. Consumer Portfolio Services is still engaging in the same deceptive tactics as before even though they were fined and put on the radar with CFPB. Please look into this company again, they are still up to the same practices. Thank you.
Consumer complaint received 2022-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (LA)

This company is showing incorrect addresses for me that I never resided or inaccurate addresses. The addresses that are not mine are : XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Tx XXXX XXXX. ) XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Tx XXXX XXXX. ) XXXX XXXX XXXX XXXX, XXXX, La XXXX
Consumer complaint received 2022-04-11
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: EQUIFAX, INC. (NJ)

The inquiries listed below are all reported on my credit profile as a result of fraudulent unauthorized activity. Ive personally contacted the credit bureaus and told them this in hopes to have these inquiries removed but their response to me was no. Ive taken the time to list the name of the inquirers and the dates they inquired to make it easier to have these inquiries removed, Ive uploaded documentation below proving these inquiries were a result of fraudulent activity. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-11
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. (NV)

In accordance with the Fair Credit Reporting act, 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 2017-10-12
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Big Picture Loans, LLC (GA)

I somehow was approved for an additional loan even though I received an error message when applying, called the customer service number and was advised an additional loan could not be taken out while another loan was active. Unbeknownst to me the loan went through ( I assumed I was using money that I asked my brother to lend me and that he deposited ) I have repeatedly asked how I can pay on the loan since my payments go to the other loan that I have out. I can not log in online like before to pay myself. I was told that I would be contacted in regard to how I can pay but I have not received contact and this was in XXXX. I constantly call and I 'm told the same thing but of course interest is continuing to accrue. When I originally requested how to pay my loan total was {$610.00} which I could have paid immediately ( with the money my brother did get around to depositing ) but was not provided with a way to do so. I just want to pay what I owe. My calls and emails are being ignored so that interest can continue to accrue. Please help me
Consumer complaint received 2023-03-31
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: JPMORGAN CHASE & CO. (CA)

I engaged with XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) in of XXXX  to perform marketing for my company XXXX ( XXXX XXXX XXXX ). XXXX XXXX XXXX agreed to send emails on our behalf to all of their clients who went in for XXXX certification. In late XXXX we learned that the service that XXXX XXXX XXXX was providing was not generating any responses at all, which made us suspicious that anything was actually taking place and if the emails we had paid for were actually being sent out. XXXX XXXX XXXX would not share who the emails were sent out to despite charging us thousands of dollars for the service, and just sent a screenshot that said " Emails sent ''. We complained to our bank CHASE and they stated that since the contract we signed said " No Refunds given '' that we had no recourse. I feel that this is fraud because XXXX XXXX XXXX did not provide the service we paid for.
Consumer complaint received 2022-04-11
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. (TX)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  Acct # XXXX Loan amount {$1700.00}, and Acct # XXXX Loan amount XXXX. Late payment dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 166b A creditor May not treat a payment on a credit account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2016-01-07
Product: Debt collection — Credit card
Issue: False statements or representation — Impersonated an attorney or official
Company: TRANSWORLD SYSTEMS INC (TX)

I received a wage garnishment letter from my employer that was sent to them from Transworld Systems Inc. the document contains an inaccurate debt amount and it is not a court order. I contacted them and they told me that the amount was for the original debt plus over {$2500.00} in interest. They also informed me that they did not have a court order. The letter also states that they are a government agency, which is not true.
Consumer complaint received 2017-04-07
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: Neon Newco Corporation (WA)

I filed my income tax return via XXXX. I was offered to receive the refund via a debit card through NetSpend. I activated the card in a timely fashion but the money was never put on the card. NetSpend is impossible to get through and charges a {$.00} charge just to contact them. They have a phone system that is impossible to get through and get information and least of all talk to a person to get the matter settled. At any rate, they have my tax refund and there is no way for me to get access to the funds.
Consumer complaint received 2017-04-11
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: First Data Corporation (IL)

On XX/XX/2017 received XXXX {$2500.00} checks from adp payroll processing. I deposited checks and told by XXXX that checks fraudulent. I have not been able to receive my payroll deposits from adp payroll. My account with XXXX has been closed due to this incident.
Consumer complaint received 2015-11-16
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CITIBANK, N.A. (AZ)

I have disputed this collection before and it was removed from my credit report. Now it is back and they are sending me letters trying to collect a debt I do not owe. This account does not belong to me. I have never had an account with this Creditor. I am requesting that it be removed from my credit report. If you fail to remove it, you are required by law to provide proof that the debt is mine. Please see the attached document and the comments.
Consumer complaint received 2017-04-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (TX)

I called Experian this evening @ around XXXX and spoke with a gentleman XXXX, he would not give me his last name or his ID information. I called with reference to a couple credit items listed on my report 1. ) XXXX - Acct # XXXX, 2. ) XXXX- Acct # XXXX as well as 3. ) XXXX XXXX XXXX Acct # XXXX, I advised XXXX that I would like to dispute these items and he said he would NOT because they have been previously disputed. I then asked XXXX, I thought it was my right and he said they reporting company has verified these several times and they will NOT be deleted nor will he open a new investigation. I thought it was my right under the FCRA ( Fair Credit Reporting Act ) to challenge items listed if they were not mine. I then proceeded to ask him they I wanted him ( Experian ) to VALIDATE these items and he said Experian does not provide VALIDATION they only report what the Creditor ask them to report. So, then I ask about SEVERAL Inquiries listed on, my report that are not mine and he again told me INQUIRIES CAN NOT be removed nor can tey be disputed. So, it is my understating from XXXX that Experian will NOT investigate items on my report nor will they investigate inquiries that are not mine. I need some assistance with this as this is not what is outline by the FCRA as I read it. If this is indeed the case please send me where in the FCRA stated that a credit reporting agency does not have to dispute or validate info that the consumer feels is incorrect. 

With all due respect, please advise as your earliest convenience.
Consumer complaint received 2022-04-11
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Account in Reference : XXXX XXXX XXXX Account # XXXX Pursuant to 15 USC 1681b ( a ) ( 2 ) this company is reporting an account without my consent and under The Federal Fair Credit Reporting Act ( FCRA ) this is violation of my rights and under TILA LAW unless this account is removed from my file asap, I am due a violation payment of {$1000.00}, I have disputed this account already, and still has not been removed. I am asking CFPB enforce this violation and fine this company {$1000.00} and remove this account from my file asap.
Consumer complaint received 2021-04-21
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Possible Financial Inc (FL)

I took out a small loan and the process said the the interest would be reduced for early payment. I paid it of early after the first of four payments. At that time there was only a few dollar reduction which seemed odd because there was about {$80.00} in interest. 

I asked them and they sent me this schedule of interest : Here 's the breakdown of the interest and fees charged for this loan. 

1st Payment Finance charge : {$1.00} Interest : {$70.00} Principal amount : {$42.00} Total : {$110.00} 2nd Payment Finance charge : {$1.00} Interest : {$1.00} Principal amount : {$110.00} Total : {$110.00} 3rd Payment Finance charge : {$1.00} Interest : {$0.00} Principal amount : {$110.00} Total : {$110.00} 4th Payment Finance charge : {$1.00} Interest : {$0.00} Principal amount : {$100.00} Total : {$100.00} This looks like a finance fee and not actually interest. Is it legal for them to structure interest payments like this and then claim there is a savings in paying off early ( technically true but misleading at best ).
Consumer complaint received 2023-03-31
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC. (CA)

I'm trying to transfer my assets out of Robinhood because Robinhood is defrauding me. Robinhood declined the ACAT transfer because they indicated a margin call would have been incurred. Their app indicates that it is false. ( However it may be true because they are defrauding me partially by showing me false information regarding margin level within the app, as I have indicated in my previous complaints.

Robinhood is holding my assets hostage in their fraudulent platform... Likely because a transfer will expose their fraudulent accounting...
Consumer complaint received 2016-12-15
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY (GA)

I currently use an American Express Serve card. ON XXXX I used my Serve card at the gas station. When I bought {$8.00} worth f Gas American Express transferred {$92.00} to the Serve card from my XXXX account to cover the gas. This {$92.00} transfer cost me a {$34.00} fee from XXXX. I immediately called American express to have them reverse the transfer so I would n't incur the fee and they refused. I use a prepaid card to monitor spending and avoid fees. Since American Express Serve targets poorer nonbanked communities, causing customer to incur fees seems callous and predatory.
Consumer complaint received 2017-04-11
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: AES/PHEAA (WI)

Since XX/XX/2016 I have been trying and doing everything the AES has asked in the time they have requested, but they still deny me the right to have a Long Term Repayment Modification on my account. I am unemployed at the moment and I need this because I am close to defaulting on my loan repayment. They have asked for paperwork that I have given in the time they gave me, but each time the come back with the same response ; " they have not recieved the porper paperwork in the time that was required ''. This is not true because I call them and make sure that I have all the paperwork that is needed in and in the time that they gave me to get it in. The person ( s ) I talk to they always say that I have it in, but some how I do n't at the same time. The are giving me the run-around and it is ethically unfair.