davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-26
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: Neon Newco Corporation (NY)

I had seen a few unauthorized transactions on my skylight prepaid mastercard on XX/XX/XXXX in the amounts of {$500.00} with a {$2.00} charge as well, another amount of {$200.00} with another {$2.00} XXXX, and also another amount of {$200.00} with again a {$2.00} charge. All these transactions shown on the account label them as a ATM withdrawal in which I could not possibly make these transactions as at these times they happened which were literally a minute apart from each other I was at my place of work in XXXX XXXX XXXX XXXX Once I got notification of these transactions I called right away to the bank company to try and dispute these amounts. I had spoke to a representative and explained my situation, and then awaited a determination that would take couple weeks for them to to verify. On XX/XX/XXXX I had gotten there finished review of my dispute in which they denied me credit back into the card and read i would recieve a written notice in the mail with why the went against my dispute. These amounts taken from my account are not small and would take me a week of work to make and has caused me many financial burdens.
Consumer complaint received 2022-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

The reporting account name XXXX XXXX is not mine. This is only appearing in the Experian report, and I reach out to Experian to delete this inaccurate account and error because this account does not belong to me. It is damaging my credit since this is reporting charge-off and closed. I also contacted the XXXX XXXX  directly to remove this from my credit report since this does not belong to me and they never responded back. I reach out to Experian twice in regard to this error and they have not reply back to me with an answer either. On the website through Experian.com, all I see is that Experian verified this account, so I sent another letter asking them to explain how they verified this account since this does not belong to me and the creditor is not responding back?? Experian has not responded to any of my letters requesting an explanation to this inaccurate account.
Consumer complaint received 2020-03-17
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc. (ND)

XXXX sent a notice to IC Systems to collect payment from me. IC Systems notified me that they will have to report to consumer report on XX/XX/20. The date of call was XX/XX/20. I explained to IC Systems that I never had active service with XXXX and I asked them to look at the system as this is easy to verify. IC Systems verified with me that I used 0 mins, 0 gb of data, and 0 inbound/outbound, from the creation of this account. I was sent 2 sims that never worked back in XXXX, the day after I received the sims, I contacted XXXX to let me know that the service didnt work in my area. I was told on that day that I would receive a {$0.00} balance on this account and it would be closed because I never actually used the service. Now 2 months later Im being threatened and seemingly pressured into paying for something I obviously never used. I will attach pictures with this complaint. Please notice the dates as XXXX seemingly has a policy in place to create unfair billing practices. They obviously dont abide by their own dispute policy as well.
Consumer complaint received 2021-05-08
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. (VA)

On XX/XX/XXXX a collection account was placed on my credit report from XXXX XXXX and it says the original creditor was XXXX insurance. I have never had any products with XXXX nor have I ever seen or heard of this debt. My report states the collection was assigned to the agency on XX/XX/XXXX, yet it just popped up on my Equifax credit report on XX/XX/XXXX and Ive never received correspondence regarding the debt. I spoke with an agent from XXXX insurance on XX/XX/XXXX and gave her my social security number as well as many other personal identifiers to see if she was able to find any accounts, open or closed, under my name. Nothing was found as Ive never been a customer with them. I then spoke with the collection agency directly on XX/XX/XXXX and the representative on the phone wasnt able to pull up an account in their system with my name, address, or social. Both the collection agency and original creditor say they have no record of me in their systems, yet I have this collection shown on my report. I attempted to reach out to Equifax and they have not been helpful with this. Another thing to mention is under remarks this account states consumer disputes. Reinvestigation in progress. While I do dispute the validity of this account, I have never formally put in a dispute so I dont understand where any of the information theyre reporting is coming from.
Consumer complaint received 2022-04-25
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: CAPITAL ONE FINANCIAL CORPORATION (VA)

In XX/XX/2021, I came across an offer to apply for a credit with an incentive to receive a {$200.00} statement credit reward if I charged {$500.00} to the card within the first 90 days of the account opening. 

I was approved for the card, received it and proceeded to comply with the offer and completed the transaction as required by the offer. 

When the credit did not appear on my account after a considerable time, I began to call to inquire and received no satisfaction at all. 

I the wrote to the bank 's home office and received no reply, wrote again to see if they received the letter and still no reply to date
Consumer complaint received 2021-05-25
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (SD)

XXXX has locked me out from access to my account. They are the custodian to approximately {$250000.00} of cryptocurrency that I have acquired through their exchange. Four weeks ago they locked my account due to security concerns regarding login from an unrecognized IP address. I have submitted a support ticket and complaint as they refuse to respond to my concerns or even reassure me that my assets are safe. Their standard response email states that they need 4-5 business days to respond but I know from other reported experiences that it is very common for Coinbase to ignore their clients. I have linked federal banking institutions to provide XXXX XXXX to fund my purchases. They are holding my assets and money hostage and their INACTION is criminally negligent amd fraudulent. 
My support claim number is # XXXX I beg and plead for your assistance. 
XXXX XXXX
Consumer complaint received 2020-07-26
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (KS)

This is on a store credit card. I pay the monthly statements via EFT through my bank. In XXXX the payment was due on the XXXX. The payment left my bank on XX/XX/XXXX and for whatever reason it did not post to my store account ( even though it was an EFT ) until the XXXX. This of course resulted in me being charged a late fee and interest of {$29.00} on a total bill of {$73.00} for one day late, which I reluctantly PAID. Then to add insult to injury I was charged again on the next statement a {$1.00} minimum interest charge. When I called customer service to inquire as to why, I was told that once your payment is late it is their policy to continue to charge a minimum fee for two additional months after the late payment. I realize it is only {$1.00} but this just can't be right.
Consumer complaint received 2022-04-25
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: Experian Information Solutions Inc. (VA)

" 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 Bankruptcy, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXXXXXX XXXX  XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXXXXXX Account # XXXX, has violated my rights. 
XXXX Account # XXXX, has violated my rights. 
XXXX Account # XXXX, has violated my rights. 
XXXX Account # XXXX, has violated my rights. 
XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX Account # XXXX, has violated my rights. 
XXXX XXXXXXXX Account # XXXX, has violated my rights. 
XXXX XXXXXXXX XXXX  Account XXXX XXXX, has violated my rights. 
XXXX Account XXXX XXXX, has violated my rights. 
XXXX Account # XXXX, has violated my rights. 
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 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 2022-07-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account XXXX, XXXX XXXX XXXX Account XXXX, XXXX XXXX XXXX Account XXXX, 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
Consumer complaint received 2022-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION (CA)

There was an issue with autopay and 5/3rd agreed to remove it but never did. It was payments for the month of XX/XX/XXXX and XX/XX/XXXX XXXX
Consumer complaint received 2022-03-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (IA)

I just got paid today XX/XX/2022, and I go to check my Wells Fargo account to see my funds to plan accordingly with my payments, mainly to move funds around for bills etc. 

I noticed a charge for {$63.00} XXXX XXXX. AZ XXXX Additional Info Category DIRECT MARKETING- CONTINUITY/ SUBSCRIPTION MERCHANTS Transaction description PURCHASE XXXX XXXX I dont even own a computer to have XXXXXXXX XXXX purchased. I called the XXXX number and was greeted by a foreigner named XXXX who then tried to have me give him more information about my Wells Fargo account. To which I then hung up the phone to dispute this unauthorized purchase. 

My old Wells Fargo Debit card also had a unauthorized charge. They cancelled it, got a new one, and it hasnt even been a week since I had this card before I was charge do again. I even have the time stamp of XXXX. I currently didnt even have any money at the time of this unauthorized charge. Because when I checked my spam emails I noticed that I received one from Wells Fargo indicating that my account had reached XXXX dollars. When I actually had about XXXX dollars in my account prior to my pay check coming in. I just want these unauthorized purchases to stop
Consumer complaint received 2021-05-08
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc ()

Paypal Hold my money, after I fixed the shipment info they said I'll be able to get the money after 7 days but then it's been 10days already but the money is still on hold. I am not sure if this is some mistake as I assume it has to be. There were several holds they've done to me and it feels so inconvenient. I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''
Consumer complaint received 2022-07-29
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act XXXX  Account Name 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 2020-03-17
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC (NJ)

HIPAA Transworld Systems Inc ... .I did not give authorization, written or verbal to have my PHI shared with anyone. Transworld Systems Inc needs to provide a copy of written authorization that releases my PHI to them. If they recieved an electronic transfer of my ePHI they need to show their compliance with the HIPAA SECURITY RULE, specifically the HITECH ACT of 2009. 
I have also submitted an affidavit to Transworld Systems Inc ( Copy attached ). 
Alleged Accounts XXXX**** {$220.00} XXXX**** {$62.00}
Consumer complaint received 2021-04-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (WA)

I normally sell goods on XXXX, but I don't know why my money was taken away by PayPal .I am a legal American citizen .I did not sell any illegal products. 
PayPal - negative {$6800.00} XX/XX/XXXX Transfer Loading transaction details for PayPal - negative {$6800.00} XX/XX/XXXX Transfer You reported a problem with this transaction. See the status of your case in the Resolution Center. 
Paid with Balance {$6800.00} Transaction ID XXXX Seller info PayPal Note {$6800.00} USD ; PayPal Posting Date : XX/XX/2019 ; Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation
Consumer complaint received 2022-03-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (MO)

Nelnet is my federal student loan holder. I contacted them in the fall of 2020 for info on the pause of student loan payments and interest. They gaslight me and keep telling me my loans aren't federal. I've had to pay on my loans without any pause. I can prove they are Federal loans. They continued to insist they aren't federal. I have been on XXXX. for almost 9 years solid. XXXX. is only available to federal loans. I feel that if I have consequences of missing payments ( which I have not ) they should have consequences of lying to me and forcing me to make payments.
Consumer complaint received 2020-07-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (GA)

XXXX XXXX and XXXX XXXX sent {$3300.00} to XXXX XXXX using XXXX through Wells Fargo over a course of 8 transactions from XX/XX/XXXX to XX/XX/XXXX. XXXX pretended to be a subleaser of XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX ( actually owned by XXXX XXXX ) and the money sent was to cover the security deposit and first and last months rent. XXXX said she was in XXXX due to COVID so she could not show the property, but would send keys upon receipt of the money. The money was sent to XXXX XXXX XXXX at XXXX, who claimed to be the financial manager for XXXX XXXX. XXXX claimed to have sent keys, but lost the tracking ID and then stopped replying to any communication over text or email. I ( XXXX XXXX ), never spoke to XXXX XXXX, but spoke to " XXXX XXXX '' on the phone. I also sent " XXXX '' a photo of myself holding my I.D to prove my identity. I filled out a client application form and the lease, which was allegedly signed by " XXXX XXXX ''. XXXX also sent me a " Master 's Lease '' signed by herself and XXXX XXXX, and provided a XXXX profile ( XXXX XXXX XXXXXXXX ) for further profile identification. XXXX XXXX sent {$2100.00} through XXXX, and XXXX XXXX sent {$1300.00} through XXXX, over a total of 8 transactions. Both XXXX and XXXX have filed claims through Wells Fargo. XXXX XXXX 's claim numbers are the following : ( XXXX, XXXX, XXXX, XXXX, XXXX ). XXXX XXXX 's claim number for all three transfers is the following : XXXX. After no response from XXXX, XXXX XXXX found XXXX XXXX 's number and reached him. XXXX said the scam had happened previously, and he did not know XXXX and was currently living in the apartment with his wife. " XXXX XXXX '' 's number is XXXX ( XXXX XXXX XXXX and her email is XXXX. 

I chose to use XXXX because it was backed and linked by Wells Fargo. I was unaware that my money, though being used by a Wells Fargo-backed company, would not be protected. Neither XXXX nor Wells Fargo have helped me in the case, and Wells Fargo said they would call me back over a week ago to explain, and have never called to explain.
Consumer complaint received 2021-05-08
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: JPMORGAN CHASE & CO. (WI)

On XX/XX/XXXX I went to dealership XXXX XXXX XXXX XXXX XXXX XXXX to look for new car. I didnt like prices there, so I left the place even without negotiating the price To my surprise, they pulled my credit score twice without my permission As a result, my score dropped down with all consequences. 
I believe it is invasion of privacy
Consumer complaint received 2022-11-26
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: The Outsource Group, Inc (NY)

Hello! This debt was already taken care of due to XXXX. It was also not under the name that Medicredit has claimed. XXXX just confused as to whats happening. Ive tried to call back and dispute the debt, but can not get through or leave a voicemail. I would love some help here. Unsure of what to do.
Consumer complaint received 2022-07-29
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: WAKEFIELD & ASSOCIATES, INC. (TN)

We have received multiple calls from an XXXX number claiming to be Wakefield that just says it is related to debt collection. We do not have unpaid debt with anyone. I think it is a fraudulent call and therefore am not calling them back.
Consumer complaint received 2020-03-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (MA)

Recently I received a collection letter from a law firm known as XXXX XXXX XXXX, XXXX, claiming that they were trying to collect on a debt for a debt buyer known as Jefferson Capital Systems, Inc. There are issues that need to be rectified as there is no consistency pertaining to debt ownership. The following is the criteria that must be established in order to validate a collectible debt against me : 1 ) At no time was I ever notified that an old debt was purchased by Jefferson Capital Systems , LLC.

2 ) The debt is so old that it no longer is posted on any of my credit reports, which means that at the very least the debt is over 7-years since it was last posted on a bureau update. 
3 ) Any debt purchase in the Commonwealth of Massachusetts must show true copy ownership, as in this case XXXX XXXX XXXX  did no such transfer, nor was I ever given any such proof. 
4 ) The debt information was acquired through a debt pooling information program electronically, and thus this collection is a fraudulent transaction, being procured for collection by a licensed law firm that should be investigated by the Massachusetts Department of Bar Overseers.

5 ) The law firm of XXXX XXXX XXXX, XXXX. need to cease and desist on these types of action, especially to a minority person such as myself, being 50 % XXXX and 50 % XXXX. I believe that I am being discriminated against and targeted. I recently had two similar actions dismissed in the civil courts in the Commonwealth of Massachusetts, and this collection is also illegal. 
6 ) This collection is illegal, and XXXX XXXX XXXX  is in violation of my rights under the Fair Debt Collection Practices Act. 
7 ) My file must be purged and all personal information must be deleted, along with XXXX XXXX XXXX  recalling this debt information immediately. 
8 ) Any and all references to this account must be deleted on all credit bureaus. 
9 ) XXXX XXXX XXXX  must be investigated by all credit bureaus, and this activity on erroneous debt transfers must be terminated against minorities and consumers of the Commonwealth of Massachusetts permanently. 
Jefferson Capital Systems , LLC has an enormous amount of complaints filed with the CFPB already. 
As of XX/XX/2019, the Consumer Financial Protection Bureau ( CFPB ) has received over 1,700 complaints related to the debt collection practices of Jefferson Capital Systems/CL Holdings LLC. Examples of common complaints against Jefferson include trying to collect a debt not owed and improper communication tactics. 
The following two real-world examples of complaints against Jefferson Capital Systems illustrate these types of alleged violations.

Consumer alleges attempts to collect a debt not owed Jefferson Capital System said I owe XXXX XXXX After reviewing my recent  credit report I contacted the company letting them know this not my debt This Collection action must be pulled out of circulation immediately!!! 

XXXX XXXX
Consumer complaint received 2022-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: World Acceptance Corporation (TX)

Called XX/XX/2022 address was incorrect My address is wrong and I never received anything in regards to this balance. 
My current address is XXXX XXXX XXXX  XXXX XXXX TX XXXX Previous address is XXXX XXXX XXXX XXXX TX XXXX