davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Nelnet, Inc. (GA)

A year ago, my student loans were transferred from Nelnet to XXXX. My credit report now shows 4 loans instead of 2, and a loan balance that's twice as much as it should be. I've called Nelnet and XXXX multiple times each, spending hours on hold only to be told by both that it's the other servicers problem. I disputed the erroneous account/balance directly with the credit bureaus, but they changed nothing, and referred me back to the servicer. I asked Nelnet if they could send me a document saying that my account with them was closed so that I could prove to the credit bureaus with another dispute that the account and balance with Nelnet is false- they said no, that they can only issue documents that are approved by the Department of Education XXXX I spoke to XXXX ( again ) the same day and was told that only Nelnet can fix this.
Consumer complaint received 2022-10-04
Product: Credit card or prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Incomm Holdings Inc. (NY)

On XX/XX/2022, I reported my Vanilla Gift Card stolen, I went thru the process of reporting it to the company and filed a report with them about the card I filled out multiple forms gave them complaint number and still I'm getting the run around the said 90 days it's been over days. I would like a replacement card that I asked for or a refund. I have yet to receive either!
Consumer complaint received 2024-03-01
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 (CA)

I have been hospitalized since XXXX, in and out, and I have the necessary paperwork to prove it, including my discharge paperwork. I was finally discharged at the end of XXXX. Since then, I've been staying at my girlfriend 's house. Recently, when I tried to make an online purchase, I received an error stating that I only had {$40.00} in my account. I immediately called my bank, only to discover that {$22000.00} had gone missing, and they hadn't notified me once about any transactions. Even after calling them, more transactions were being taken from my account. That was my entire savings. I am suffering from XXXX XXXX  and I have to follow a very strict diet. I never authorized anyone to access my account, and today, XX/XX/2024, I received a final credit of {$300.00}. 

I urgently need your assistance. I have no money for rent or groceries, and I have also filed a police report. I don't understand why all my account notifications were turned off, preventing me from being notified about every transaction. I was treated with disrespect, and as a XXXX  XXXXXXXX XXXX XXXX for 20 years, it's appalling to be treated in such a horrible way.
Consumer complaint received 2024-03-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MoneyLion Inc. (TN)

On XX/XX/24 I had my paycheck directly deposited into my online account with MoneyLion.. It was in the amount of {$1300.00}. On the morning of XX/XX/24 I woke up and was unable to access my account. I called the institution and was advised my account was place on hold for suspected fraudulent activity. I was advised that I would have to submit several documents including a valid state ID, proof of residency, a notarized letter from the third party authorizing the deposit made to my account and a copy of the third partys valid state ID. 
The third party is my employer and I do not have access to their state ID. 
I have submitted what I could ( my ID and proof of address ). 
I received a reply now requesting I send a picture of myself holding my valid state ID with todays date as well as a picture of the third party holding their state ID with todays date.

I dont understand how this is even legal for them to do.

I just want to access my funds, it is my money that they wont allow me access to.
Consumer complaint received 2024-03-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (GA)

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY. THE CREDIT REPORTING AGENCIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISED INFORMATION WITHOUT MY CONSENT. INCLUDING THE FOLLOWING ACCOUNTS TRANSWORLD XXXX ON MY CONSUMER REPORT. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681B, which outlines the permissible purpose of consumer reports. I have requested Form SSA-89 from TRANSWORLD XXXX WHICH IS A FORM THAT SHOULD BE FILLED OUT, THEN SIGNED BY THE CONSUMER ( MYSELF ) AS PROOF OF APPLYING FOR THE SAID CREDIT. THE CREDITOR THEMSELVES DO NOT HAVE SUCH DOCUMENTATION AS THS, WHICH MEANS THEY HAVE FAILED T DO THEIR JOB AS A RESPONSIBLE CREDITOR AND KEEP SUCH FILES IN THEIR RECORDS FOR THESE REASONS, SO THAT IF IT IS REQUESTED WE WILL KNOW WHO, WHAT XXXX AND WHERE TO PROCEED ON SAID CASES AS THIS IN THE EVENT OR FRAUD AND IT IS DEEMED AS SO MY PRIVACY HAS BEEN VIOLATED AS WELL XXXX!!!! IAM NOW TRYNG TO PURCHASE A HOME AND THIS IS THE ONLY ITEM NEGATIVELY AFFECTING MY CREDIT IN THIS CASE. PLEASE REMOVE IN THE 1-4 BUSINESS DAYS AS THE DISPUTING TIMEFRAME HAS BEEN ELAPSED AND THE SAID FORM NOT RECEIVED. THANK YOU FOR YOUR PROMPTNESS.
Consumer complaint received 2017-10-04
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Google Compare Credit Cards Inc. (IN)

ONGOING 2 YEARS LATEST XXXX/XXXX/XXXX. THEY TELL ME I AM NOT MAKING THE APLICATION. MISSING INFORMATION. 

I believe the problem arises from the Street address. My location two distincly different addresses. The Post office shows the corect address as XXXX XXXX XXXX XXXX, XXXX XXXX XXXX verified. If I look up the closest mailbox it shows XXXX XXXX. XXXX XXXX and XXXX  automatically change it to XXXX Michigan XXXX XXXX XXXX, XXXX, XXXX are all aware of the problem but overlook it in an effort not to inconvenience their customer. XXXX and XXXX display XXXX XXXX [ CORRECT ] XXXX Verify approves both, but there is no such road as XXXX XXXX XXXX. All Federal Agencies use XXXX XXXX. No One is willing to make the corrections in their databases. XXXX Blames XXXX and XXXX does not give a XXXX. This results in the appearnce that there is two of me. .. 
Start with a company name and address to find its ZIP Code. However, this tool cant confirm whether the company is actually located at that address. 
XXXX indicates that Company , Street Address, and either City/State or ZIP Code are required fields Enter only English in all fields *Company XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Other XXXX *City XXXX XXXX. 
IN - Indiana XXXX XXXX XXXX You entered : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Here 's the full address, using standard abbreviations and formatting. However, we ca n't verify that this is the actual location of the business. Double-check the address before mailing here ... 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX https : XXXX, +XXXX, XXXX XXXX +XXXX, XXXXXXXXXXXX, XXXX! XXXX! XXXX! XXXX XXXX XXXX! XXXX! XXXX! XXXX! XXXX! XXXX! XXXX! XXXX! XXXX! XXXX! XXXX! XXXX! XXXX! XXXX
Consumer complaint received 2024-03-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc (NY)

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY. THE CREDIT REPORTING AGENCIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISED INFORMATION WITHOUT MY CONSENT. INCLUDING THE FOLLOWING ACCOUNTS AFFIRM INC XXXX ON MY CONSUMER REPORT. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681B, which outlines the permissible purpose of consumer reports. I have requested Form SSA-89 from AFFIRM INC WHICH IS A FORM THAT SHOULD BE FILLED OUT, THEN SIGNED BY THE CONSUMER ( MYSELF ) AS PROOF OF APPLYING FOR THE SAID CREDIT. THE CREDITOR THEMSELVES DO NOT HAVE SUCH DOCUMENTATION AS THS, WHICH MEANS THEY HAVE FAILED T DO THEIR JOB AS A RESPONSIBLE CREDITOR AND KEEP SUCH FILES IN THEIR RECORDS FOR THESE REASONS, SO THAT IF IT IS REQUESTED WE WILL KNOW WHO, WHAT WHDEN AND WHERE TO PROCEED ON SAID CASES AS THIS IN THE EVENT OR FRAUD AND IT IS DEEMED AS SO MY PRIVACY HAS BEEN VIOLATED AS WELL 5USC55SA!!!! IAM NOW TRYNG TO PURCHASE A HOME AND THIS IS THE ONLY ITEM NEGATIVELY AFFECTING MY CREDIT IN THIS CASE. PLEASE REMOVE IN THE 1-4 BUSINESS DAYS AS THE DISPUTING TIMEFRAME HAS BEEN ELAPSED AND THE SAID FORM NOT RECEIVED. THANK YOU FOR YOUR PROMPTNESS.
Consumer complaint received 2021-03-25
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC ()

I made a deposit of XXXX AUD to Gemini Trust company on XXXX XXXX. 

On XXXX XXXX, I received an email from them stating they received the funds and the deposit was failed as the funds were sent from a business account. In the email, Gemini stated the funds are going to be returned. 


After XXXX MONTH of waiting, the funds are still holding by Gemini and are NOT returned back to me. During the past month, I have emailed them more than XXXX times and only early XXXX emails were replied to.

Gemini is currently holding my funds without responding to my emails. I wish you can help me to get my funds back from Gemini Trust company.

Please find an email attached as proof of receipt of my funds by Gemini.
Consumer complaint received 2017-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

This is a utility account open XXXX XXXX. I did n't open this account, however I paid it in full in the early months of XXXX, I believe it was around XXXX or XXXX XXXX account had an outstanding balance of {$71.00} dollars. I paid it because at that time I was buying a house and it was an outstanding negative balance on my credit profile. 

The credit agencies are still showing this as an negative account. I disputed this account with the credit reporting agencies and I guess they must have contacted the utility company and the company says this account is still showing not paid and as a charge off.
Consumer complaint received 2016-09-08
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MN)

I am writing to have a debt removed from my credit report as I believe the Fair Debt Collection Practices Act, Section 809 ( b ) : Validating Debts has been violated. I have emailed, called and wrote numerous letters without response or verification of this debt. Please remove this debt. 

The violations I have against Portfolio are as follows : 1 ) PRA did not validate before reporting to the credit bureaus, even though I have proof of receipt of a timely dispute, which I mailed within the 30-days as allowed by the FDCPA. Per federal law, a collection agency is not allowed to continue collection activity if a consumer disputes the account within 30 days. Collection activity includes reporting to the credit bureaus, as per the FTC opinion letter XXXX from XXXX. This violation falls under [ XXXX XXXX XXXX ] XXXX. 

2 ) PRA has failed to mark my Equifax credit report as disputed. This violation falls under [ XXXX XXXX XXXX ] XXXX XXXX XXXX ). 

3 ) PRA is misrepresenting the amount owed, and/or adding fees/interest outside the original contract. The debt validation that you have provided to carries an amount that is substantially higher than the amount that PRA is reporting. This violation falls under [ XXXX XXXX XXXX ] XXXX XXXX XXXX ). 

It is also my understanding that the CFPB is taking action against this firm for deceptive tactics to collect bad debts via the website listed : http : //www.consumerfinance.govXXXX I continue to get no response from this company please help. 
XXXX XXXX XXXX/XXXX/XX/XX/XXXX
Consumer complaint received 2016-04-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) Transunion is reporting a collection for XXXX. XXXX. There has been no attempt to validate this debt, therefore it should not be reported.
Consumer complaint received 2024-03-01
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP (FL)

I have a late payment reflected, which I do not agree with, the information is inaccurate. 

ccount info Account name XXXX XXXX XXXX Account number XXXX Account type Credit Card Responsibility Individual Date opened XX/XX/XXXX Status Open. 
Status updated XX/XX/XXXX Balance {$15000.00} Balance updated XX/XX/XXXX Recent payment {$480.00} as of XX/XX/XXXX Monthly payment {$440.00} Credit limit {$16000.00} Highest balance {$16000.00} Terms -
Consumer complaint received 2024-02-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (FL)

I received a phone call around XXXX XXXX  on the date of XX/XX/2024 from a person identifying themselves as a Chase Bank employee, the same bank I use for my checking account. The person proceeded to tell me that my account had been compromised and that I had {$3000.00} at risk of being stolen from my account within the next 15 minutes unless I provided the account information on my Chase Bank debit card to perform a " reverse wire transfer '' in order to recover " stolen money ''. I was highly skeptical, but because the sophisticated fraudster was able to instantly send me a notification ( not text ) linked to my Chase banking app and managed to hack in as a Chase representative. This notification is the same one that only real Chase representatives are able to access and send to authorize that the customer is actually speaking to a real representative of Chase Bank, After the fraudster gained access to my checking account I noticed that a total of {$3000.00} was stolen from me. It was transferred in XXXX separate transactions, {$500.00} using XXXX and {$2500.00} using a wire transfer. To my shock I found out that I had been scammed out of {$3000.00}. I am still uncertain as to how the fraudster was able to access my Chase checking account without knowledge of my checking account and routing numbers using only my debit card account number. To date Chase Bank has reimbursed my the {$500.00} stolen using XXXX, however they inexplicably have indicated to me that they will not reimburse me my {$2500.00} stolen by the fraudster because he wired transferred this money out of my account. When I reported this incident at my local Chase Bank Branch, the branch manager stated that the fraudster should not be able to access my checking account only based on my debit card information because the debit card is not linked to the checking account information. Based on this it is my contention that Chase Bank is at least partially at fault because of the lax banking security allowing this fraudster to access my checking account through debit card information only. In addition it makes no sense to me why Chase Bank agreed to immediately reimburse me the {$500.00} stolen by the fraudster using XXXX but not the {$2500.00} he stole by way of a wire transfer. I view this a a singular theft of my account and had no control over the method of whow this criminal managed to steal a total of {$3000.00} from me.
Consumer complaint received 2016-11-18
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PLAZA HOME MORTGAGE, INC. (WA)

Plaza Mortgage made a mistake and put one mortgage payment toward the principle of the loan instead of XX/XX/XXXX 's payment, as I intended. I called customer service, and they noted their mistake and reversed the principle payment, and put it toward XX/XX/XXXX 's payment. Ever since, we have received 6 letters in the mail saying we are delinquent on the mortgage and are in peril of foreclosure. Let me be clear, we are absolutely current on our loan. I have had to call customer service 3 times to ask them to stop sending collections letters, but they keep coming.
Consumer complaint received 2024-03-09
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CLGF Holdco 1, LLC (NJ)

No bill was ever sent, Company refused to send bill after calling with complaint. Found where to send payment to, but the company holds the check until after its due. /this forces me to use app and pay twice the amount due. I was given 12 months interest free, they are attempting to make me miss the due date so they may apply the 34 % interest and back interest from the original date. I have sent them a letter requesting billing and that I would not be responsible for payments past the due date or going over my 12 months interest free. 
The Company is Concora CrediXXXX XXXX XXXX XXXX XXXX GA XXXX Phone XXXX
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

On XX/XX/2024, I certified mailed documents to XXXX, Equifax, and XXXX credit reporting agencies. Included were my copies of my driver 's license, social security card, utility bill ( as proof of residence ), a notarized affidavit stating what happened, a police report, a three ( 3 ) bureau credit report, and a copy of FCRA section XXXX. XXXX XXXX requires the above mentioned agencies, to remove the fraudulent items from my credit report within XXXX ( XXXX ) business days. 
The documents were received on XX/XX/2024. 

XXXX received documents by certified mail on XX/XX/2024. Signed for by XXXX XXXX Equifax received documents by certified mail on XX/XX/2024. Signed for by XXXX XXXX. 

XXXX received documents by certified mail on XX/XX/2024. Signed for by XXXX XXXX. 

As of the submitting of this complaint, XXXX, Equifax nor XXXX has removed the fraudulent items from my credit report.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

XXXX XXXX as a collection agency and original creditor XXXX XXXX are both reporting the same debt on my credit report. Both a debt buyer and the original creditor can be collecting on the same debt, especially if XXXX XXXX sold the debt to XXXX XXXX. Please delete both of these accounts from my credit report for incorrect reporting. this is double jeopardy.
Consumer complaint received 2015-11-30
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: COOLEY ENTERPRISES INC (TX)

On XXXX XXXX XXXX, XXXX XXXX XXXX was returned to XXXX XXXX XXXX XXXX used car department of XXXX, Tx. This was a voluntary owner surrender of motor vehicleto lien holder Chase Financial Services Inc. where vehicle was originally purchased XXXX XXXX XXXX. As owner of XXXX XXXX I could no longer afford the monthly payments of {$490.00} per month, since retiring XXXX XXXX, and now currently drawing Social Security. Since returning vehicle to dealership, I have received numerous calls from Chase Financialservices in their unorthodox attempt at renegotiating another contract on the same vehiclefor which is totally unaffordable according to the in-house financing requirements they would have consumer expected to pay. On XXXX XXXX I received a phone call fromChase Financial Services again about XXXX yet this call was threatening and belligerent in nature from a manager within that organization. Under his terms if I did n't accept taking the XXXX back I would be subject to having my XXXX wages garnished by their dealership. I can consider this harassment and unethical practice towards consumer who no longer wants and can not afford dealing with Chase Financial Services Inc. especially after such a belligerent conversation from their management staff. As a XXXX XXXX Worth consumer and a XXXX Veteran I will certainly never do business again with Chase Financial Services. The rates for their used vehicles are tremendously over blown for any market financing, and unethical staffing does n't help theirrating in the community of XXXX.
Consumer complaint received 2024-02-15
Product: Credit reporting 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 writing to file a formal complaint against XXXX, Equifax and XXXX for their failure to respond adequately to my previous dispute letters. I believe my rights under the Fair Credit Reporting Act ( FCRA ) have been violated, and I am seeking your assistance to address this matter. On XX/XX/2023, I initially submitted dispute letters to the respective credit bureaus, disputing the accuracy of certain information on my credit reports. My dispute letters included details of the inaccurate information and evidence supporting my claims. As required by law, I expected the credit bureaus to conduct a reasonable investigation into my disputes and respond within the stipulated time frame. Unfortunately, despite my efforts to engage with the credit bureaus and my commitment to resolving discrepancies on my credit reports, I have received little to no response from them. I have not received any meaningful communication acknowledging the disputes I raised, nor have I been provided with the results of their investigations.
Consumer complaint received 2016-11-19
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: CITIZENS FINANCIAL GROUP, INC. (CA)

Citizen One XXXX placed an hard inquiry on my credit XXXX XXXX XXXX. This action was fraudulent because I did not seek them out for an auto loan on XXXX XXXX, 2016. I did not sign any Citizen One papers requesting an auto loan. My credit score has been reduced due to this action and I was denied a {$30000.00} loan as the result of this fraudulent action.