davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-04
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 — Their investigation did not fix an error on your report
Company: Autovest, L.L.C. (GA)

I have been attempting to dispute unverified accounts on all 3 of my Credit during this process I have sent 2 dispute letters as well as debt validation letters each certified to XXXX, XXXX and XXXX   on dates XXXX XXXX and XX/XX/2020. To XXXX XXXX XXXX, XXXX Formerly known as XXXX and XXXX XXXX. And the only responses I have received from the Debt Buyers as well as the Credit Bureaus was them verifying the accounts belonged to me without any documents indicating I am who the accounts belongs to. They have been unable to provide me with an original contract ( s )  bearing my signature, account history and other documents I have requested twice. Furthermore after failing to receive proper debt validation from these Companies it has been brought to my attention these debts has been misrepresented. In the Violation of the Fair Debt Collection Practices Act, also in respect to Section 623 of the Fair Credit Reporting Act furnishers must note delinquency within 90 days, list the same date as delinquency as the original creditor and notify consumers of negative listings within 30 days of reporting. All of these statues have been violated by these Debt Collectors and Or Collection Agencies regarding these accounts. I have submitted this complaint in attempt to have these debts removed from all 3 credit bureaus.
Consumer complaint received 2022-05-03
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (CA)

Opened credit card acct with retailer ( that has their accounting serviced by an outside bank ) to make a purchase that day which totalled {$220.00}. It is the only purchase ever made. Many months went by but I never received a credit card or bill. I did some research on-line. I made several attempts to set up the on-line acct process but was met with error msg after error msg. Finally I got it to go through. At that point, the acct was past due so I also owed a late fee of {$29.00}. I made the required payment of {$37.00} on XX/XX/21. The late fee was credited back to my acct. By the time I went on-line and discovered that my acct had not been set up properly, the next billing cycle was upon me. I received no bills prior to the XX/XX/21 bill. As a XXXX senior on a small fixed income, I was unable to make another payment so soon after paying the {$37.00}. I called in about the bill & the errors the clerk made ; I never received the store credit card and I hadn't been getting any bills. I explained all that happened due to this clerks errors, made the scheduled payment ( less the late fee ) and asked if the late fee of {$40.00} could be credited back to my acct since the errors and omissions were due to circumstances beyond my control. I was told it would be taken care of. The next month, the fee had not been credited so another later fee of {$40.00} was charged to my acct. I have been paying the scheduled payment on time every month ( less the {$40.00} late fee ). So, every month they charge my acct with another {$40.00} last fee... which are snowballing ( pyramiding ). This is exactly what's described in : FTC Act Reg. AA & 16 CFR section 444.4 ( a ). My total debt was just {$220.00}. I have paid {$220.00} to date. I realize I owe a reasonable amount in interest ; estimated at {$5.00} per month. They show the balance due on my acct is {$230.00} ( includes 5 months x {$40.00} late fee ). As stated, I called initially. Since then I have written every month when sending in my payment. I just sent a letter with an audit I did of the acct, It had to have been received before the bill I just received. I got no reply. And I am at the point where I am not willing to make any more payments.
Consumer complaint received 2022-11-01
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC. (NY)

In XX/XX/2022 my accounts at the Ally Bank ( CD and high-yield ) were restricted due to a " suspicion of fraudulent activity ''. After that in order to verify my identity the Bank asked me to upload copies of my driver license, social security card and a bank statement confirming my home address. I did it in early XXXX. A representative of the Bank informed me that an investigation would be conducted and completed in 3-5 business days. When that period expired I spoke with a Bank 's assistant to find out what was going on with my accounts. She said that the investigation would in fact take 30 days. In XXXX I called the Ally several times and asked their assistants to pass me on to the investigator dealing with my case but they always told me that the investigator was busy or not in the office right now and that he/she would definitely call me back within 24 hours. I've never received any calls from the investigator. 
I consider it totally inadmissible that for more than 2 months I've not been able to access my accounts and to manage the funds I own. I look forward to your reply and a meaningful resolution to my problem. Please don't hesitate to contact me by email or phone ( XXXX ).
Consumer complaint received 2022-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC (IN)

hello my name is XXXX XXXX and my phone number is XXXX with address at XXXX XXXX XXXX XXXX XXXX in this XXXX XXXX company they are reporting to me that i owe them more than XXXX but it is not true that the loan was for a car that was defective and I return it. They have the car and they still want to charge me for something I don't have. I already talked to them and they wanted to charge me and they threatened that I would pay them they were going to report my credit and it would affect me and if they are doing it this service is affecting my credit and I need them to do it remove it and stop harassing me for charging something that I do not have. because the car was returned to them, therefore I do not owe them anything, thank you if you can help me with that please.
Consumer complaint received 2022-05-03
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. (NH)

I had XXXX student loans initially from XXXX. I graduated school in XX/XX/XXXX, and consolidated them in an effort to get into the PSLF program. The loans were accepted by XXXX and I was approved for the PSLF program in XX/XX/XXXX. The loan was transferred in XX/XX/XXXX, and I received a paid in full letter from XXXX. XXXX last reported my balance to the credit bureaus in XXXX of XXXX, so its still showing my full balance. They have not reported on my debt since then. Additionally, XXXX has consistently reported my balance correctly since they took over my loans and I began on the PSLF program. I have called XXXX numerous times asking if I still owe them a balance because the total balance is still showing on my credit- despite the paid in full letter. They tell me every time that I do not owe anything, but will not report the debt as {$0.00}. Essentially it looks like I owe the debt twice on my credit report. I have called and sent letters consisting of documentation including my credit reports with letters explaining my position to XXXX and they refuse to mark the debt to {$0.00} and report it to the credit bureaus. I have contacted XXXX and they assure me everything is fine on their end and I can see where theyve been reporting the debt correctly- so I believe the issue is on XXXX. I have filed numerous disputes and cited that the debt is being recorded incorrectly and is paid in full, but Ive had no luck with this. Now, XXXX is telling me that the department of education changed the federal credit reporting laws, and that this should remain on my credit. That makes no sense to me, as it looks like I owe double the debt that I owe. They're telling me it should resolve itself as soon as the XXXX begins reporting on it - it has not. XXXX has been reporting on this debt since XX/XX/XXXX, and the XXXX loans are still showing as open and with a balance on my credit report. This is hindering me from moving forward in my life and purchasing my first home. It's unfair that this debt is appearing double when I only owe it once. XXXX has done nothing but pass the buck when it comes to their reporting measures and tell me that they can not help me- when they're the ones reporting the debt on my credit report.
Consumer complaint received 2022-05-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (LA)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Consumer complaint received 2022-11-01
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: FC HoldCo LLC (NY)

On the above morning,XXXX, I received credit alerts through my XXXX XXXX account, XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX that the following companies received Auto loan requests with my personal information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Flagship Credit Acceptance. My credit score dropped XXXX points on XXXX, XXXX points on XXXX and it was difficult to determine on XXXX because of a collections removal, it went up XXXX points. I did not Authorize the use of my information. Spoke with XXXX XXXX and XXXXXXXX XXXX who could not verify that my information was in their system by my SS number and to report to the credit bureaus.Spoke with XXXX who wouldn't file dispute over the phone. Said they needed writing because of hard inquiries and to contact the lenders. Spoke with XXXX who was surprised because of active fraud alert on my account and XXXX me to file a FTC report who transferred me to this site
Consumer complaint received 2022-11-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (AZ)

To whom it may concern, As many Americans, I have been trying to contact Great Lakes ( " GL '' ) to obtain accurate student loan information. During Covid I had submitted approx XXXX XXXXXXXX in student loan payments. I then requested a refund due to the CARES act. 

I called GL on XX/XX/26 at XXXX MST to request a refund, we spoke we a GL rep who stated she would submit the request. 

I then called GL on XXXX to ensure they had the correct information and GL advised they had no record of the XX/XX/26 call and no request had been submitted. This is unacceptable and I asked them to go back and replay the recorded phone calls. This request was NOT honored by GL. At that time the GL rep advised the request was formally submitted on XXXX. Since this was an error on GL part, I would expect them to escalate or to take accountability. 

Since then, GL has updated their website to show I owe money and even allows me to " make a payment '' on my new loan value but I have not received any actual refund of any format. This seems like a law firm would love to analyze/review this aspect as it seems sketchy/illegal to allow consumers to pay when not having received a refund. I have contacted GL verbally and in email and have received different and misguided responses about my loan value and if I will even receive a refund. They state they have done everything on their end but yet no refund. 

I work for a bank and our bank is NEVER allowed to state that the consumer owes money if the money has not actually been refunded. Also, my bank would never provide fake, altered, unsure, unreliable information to our consumers, as this would be a breach of fiduciary responsibility. This complaint is to ensure a student loan refund is provided to the bank accounts in the next few days, since it shows there is an active loan under my name. Please don't mess with people 's money as banks are held to high standards, so should GL. Times are tough and GL has only made them tougher. 

XXXX
Consumer complaint received 2022-11-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc (MN)

They are claiming that we owe XXXX  months rent. The rent was paid by XXXX XXXX of Minnesota. Further more. The apartment was released before XX/XX/2021. I drove by the apartment building and could see people living in the unit and furniture on the balcony. 

They are attempting to double and triple dip which is against Minnesota law.
Consumer complaint received 2016-04-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CL Holdings LLC (PA)

Their was a XXXX account opened in my name several years ago, this was a result of identity theft. I supplied XXXX the identity theft proof several years ago. This debt was apparently sold by XXXX to Jefferson Capital Systems who are now trying to collect on this debt that is not mine. They have placed a negative mark on my credit report which caused my credit to nosedive. Attached is a removal of it from my credit report in the past with the XXXX account.
Consumer complaint received 2022-11-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (AL)

On XX/XX/22 my account was closed by Citibank without warning. Account XXXX They state that because of revolving credit limits being high they want to close my account. I have not once been late on any of my bills/credit card bills/mortgage, etc. All this can be seen in my credit report that they pulled.
Consumer complaint received 2022-11-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

During the period of XX/XX/XXXX to XXXX, I was scammed by fake crypto exchange and got big finance lost, most of fund transferred to us domestic bank which named as Chase bank and XXXX XXXXXXXX XXXX, I have called my sending bank to recall the wire, unfortunately I didn't get response. below is the detail transaction that is been made. 
XX/XX/2022 wired {$100000.00} to chase bank account : XXXX, suspect name is XXXX XXXX XXXX XXXX XX/XX/2022 wired {$200000.00} to chase bank account : XXXX, suspect name is XXXX XXXX XXXX XXXX. 
XX/XX/2022 wired {$400000.00} to Chase bank account : XXXX, suspect name is XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-05-03
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. (NY)

XXXX  card services acc XXXX this account do not belong to me XXXX XXXX XXXX  Acc XXXX this acc do not belong to me. 

XXXX  card services acc XXXX this acc do not belong to me XXXX  XXXX acc XXXX this acc do not belong tome
Consumer complaint received 2022-11-01
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica (CA)

XX/XX/2022 two unauthorized ATM cash withdrawals were made by a young man who I hired to assist with some house cleaning work. 
XXXX XXXX left the hotel room to run errands and agreed to meet with me later that evening. 
XXXX @ XXXX XXXX ATM cash withdrawal of {$140.00} was made according to the statement, then XXXX @ XXXX XXXX {$700.00} was withdrawn ATM CASH along with a XXXX withdrawal fee. 
XXXX XXXX did not return to the hotel and the following day I discovered that my account balance was {$50.00}.
Consumer complaint received 2022-11-01
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (FL)

I did receive a unemployment retroactive payment over a year ago the fact that the account at venmo only allows for me to put a certain amount that caused my account to get locked due to the amount that was put in retroactive the amount was about {$9000.00} a total amount that has been put into my account is {$13000.00} they are not letting me access my account they have Frozen my account and continue to send me debit cards let me know that they will one day unfreeze my account and I will have access to my funds I have contacted unemployment and asks them if they were able to withdraw any of that money and referred it to my bank and they said that there's nothing they can do that is out of their hands because I gave them that bank account information and that is venmo there is no way to communicate with them as everything is done with a computer or by text messages or email they ask you to identify yourself with your driver 's license and go through obstacles and with that being said you don't even know who you're dealing with on the other end to further make the situation worse or delay they always ask you to please give them the last email they sent you some code number to identify yourself if by any chance you delete it or you spam it and don't have it they will make your issue even harder as they tell you to please try to find a way to retrieve it it's been very difficult dealing with them and to me it's just a typical scam and I do believe a lot of people are tied up just like I am and all they're doing is profiting and collecting money and interest on all the accounts that they have Frozen They're benefiting from it an issue that I had a long time ago was with PayPal and I know PayPal owns venmo I've did a job with someone and got paid {$4000.00} that person bounced my payment after a few days so I owe PayPal {$4000.00} the fact that I owe PayPal {$4000.00} for something that I had no control of I just got ripped off on my end doesn't mean that venmo has to take those actions and stiff me out of my money over something that had nothing to do with venmo but with a PayPal account I wish this matter can get resolved as I started to read online venmo is nothing but some wannabe financial institution that is pretty much locking everyone 's account and having everyone go through a financial burden I didn't need the money as much so I never focused on it but today I decided to contact a attorney and of course you guys and I am deciding it is time to put a end to this as I've been taking advantage of and it's going to be almost 2 years
Consumer complaint received 2022-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Helbing Law Group (CA)

I am dealing with a company called Helbing Law Group ; my Client ID : XXXX.I have a contract of XXXX payments of XXXX per mo. Ending of payment contract states XX/XX/2023. To date they have not paid a single debit off. This came to my attention when I got my tax refund this year and asked for a payoff amount which they wanted XXXX to pay off my contract. This is almost double my contract payoff. I started digging into this more and found not even a single card has been paid off. I am still getting negative marks on my credit report and I just got a lien on my house from XXXX. I called and asked for my money back. They told me basically I would get XXXX back and nothing to show of the XXXX XXXX plus I have already paid them. Here is their information. Can I take them to small claims court? I have plenty of paperwork I can send on request. 
Helbing Law Group XXXX XXXX XXXX, XXXX XXXX XXXX, # XXXX XXXX, TX XXXX Phone : XXXX Fax : XXXX Email : XXXX HelbingLawGroup.com
Consumer complaint received 2022-09-30
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

Received credit alert from my XXXX account that there was an inquiry into my credit for Kohls department store credit card. I did not do this. I called Kohls and they confirmed that someone applied to a credit card using my information but with the address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( not my address ). I asked Kohls to cancel the card and start a Fraud inquiry. 
I then checked my credit report on XXXX and found this same address was listed for me. I did ask for it to be removed.
Consumer complaint received 2022-06-03
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: Exeter Finance, LLC. (SC)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Consumer complaint received 2022-05-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: VW Credit, Inc (CA)

Hello, My name is XXXX XXXX. I have an auto loan with Audi Financial Services that I opened on XX/XX/XXXX. It's a 60 month loan, I've made XXXX payments so far, and the monthly payment is {$340.00}. The last four digits of the account is XXXX. 
The payments were setup to automatically debit my checking account at XXXX Bank every month on the 2nd day of the month. The checking account last 4 numbers was XXXX. 
On Monday XX/XX/XXXX we noticed there were some unauthorized debits to our checking account and we decided to close the account and open a new one. The new checking account ended in XXXX. 
On the same day I went onto the Audi Financial web site and cancelled the auto pay from checking acct. XXXX to avoid getting some sort of penalty for nonpayment since I knew my payment was due XX/XX/XXXX and I knew the account would be closed. I then set up a new auto pay with AudXXXX attached to my new checking account, XXXX. I was told the new auto pay would not be active for the XX/XX/XXXX payment but would kick in for the XX/XX/XXXX payment. So within the Audi website I made a one time payment from the XXXX checking for the XX/XX/XXXX payment. I have documentation attached proving all of this. 
On Monday XX/XX/XXXX a payment for {$340.00} was deducted from the old checking XXXX account, and also an additional payment of {$340.00} was deducted from the new checking XXXX account!!! The there was no money in the XXXX account so we were charged a NSF. We transferred money from our savings to the XXXX account to cover the payment. 
So apparently we made a payment for XX/XX/XXXX, and a payment for XX/XX/XXXX which was not supposed to happen. The Audi web site says my next payment is due XX/XX/XXXX. 
I'm upset because I performed my due diligence to avoid a problem and they did not do their due diligence. I didn't want to make 2 payments. 
So, thank you very much.