davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ProCollect, Inc. (TX)

I checked my account/credit report and a lot of accounts came up that I wasn't aware of. I have been a victim of identity theft for 10 years. I also was receiving unfamiliar accounts opened in my name that I wasn't aware of. I did not authorize any of these actions and suspects that my identity has been stolen. I am expressing my concern for resolving this matter and preventing further unauthorized activity.
Consumer complaint received 2024-02-28
Product: Credit 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: CITIBANK, N.A. (FL)

I had a Sears credit card ending with XXXX. I had a financial difficulty, worked something out with Sears and made a payment with agreement on the phone to pay to delete. After Sears closed down, they sold the account to a 3rd party. 
In XX/XX/2023, I saw a negative report from them on my credit report so I called the credit card to dispute it. They refused to settle but also refused to remove it from credit report. They sent me a letter stating that they are no longer attempting to collect the remaining balance on my account. They refused to acknowledge my settlement payment that I already paid to delete from Sears because they're now the new owner of the account. Please help me to have them remove the negative report from my credit report because it is hurting my opportunities to purchase a house. 
I can be reached at my email : XXXX or my cell ( XXXX ) XXXX. I give you permission to talk to my wife on my behalf as well. 
Thank you so much for your understanding. 
XXXX XXXX
Consumer complaint received 2024-02-28
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P. (TN)

On the XXXX of XXXX, I sent a cease and desist to LVNV Funding/ resurgent. I received a letter in the mail discussing the alleged debt. I did not request verification of said alleged debt. This is a violation of the FDCPA. 

XXXX XXXX XXXX XXXX XXXX XXXX violated the Gramm-Leach Bliley Act by providing my non-public information to a non-affiliated company without my consent.
Consumer complaint received 2024-02-28
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (NC)

Wells Fargo a habitual violator of charging erroneous over draft fees although funds were deposited or refunds issued. On XXXX a charge for {$21.00} from XXXX was processed on my account leaving my account balance at {$53.00}. Then on XXXX a refund was issued from XXXX for {$21.00}, a purchase {$27.00}, {$10.00}, and {$21.00} which would leave my balance to be {$16.00} but no Wells Fargo charged my account {$35.00} overdraft fee when my email from them says if the funds are deposited by midnight the fee will not be assessed and per their terms deposits are done first. Yet I was still charged I did call in on today XXXX and they credited the fee but the issue is it should never have been charged and if my account was over drawn why is the balance XXXX? $ XXXX $ XXXX $ XXXX because you charged the fee after the credit posted. Illegal and unlawful business practices and an exam needs to be opened against Wells Fargo AGAIN
Consumer complaint received 2021-04-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (IL)

Fed Loan Servicing limits customers to 8 online payments each month. This is something other servicers do not impose on their customers. For those who are fundraising to repay student loans, this limitation places borrowers, whose loans are serviced by Fed Loan, at a disadvantage.
Consumer complaint received 2020-06-30
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. (TX)

THE ENCLOSED ACCOUNTS WERE FILED TO THE FTC ALL FCRA VIOLATIONS, OR AND FAIR DEBT VIOLATIONS XX/XX/XXXX Creditor Name XXXX  XXXX XXXX Account Type Credit Card Account Status Closed - Paid and Closed Opened Date XX/XX/XXXX Closed Date -- Limit {$1000.00} Term -- Monthly Payment -- Responsibility Individual Account. 
Balance {$0.00} Highest Balance -- Payment Status Collection/Charge-Off Worst Payment Status -- XX/XX/XXXX Creditor Name XXXX/XXXX XXXX XXXX Account Type Charge Account Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit {$5700.00} Term -- Monthly Payment -- Responsibility Individual Account. 
Balance {$1200.00} Highest Balance -- Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due {$1200.00} Times 30/60/90 Days Late XXXX Remarks Charged off account Last Reported XX/XX/XXXX Creditor Name XXXX XXXX Account Type Charge Account Account Status Open Opened Date XX/XX/XXXX Closed Date -- Limit {$300.00} Term -- Monthly Payment -- Responsibility Individual Account. 
Balance {$0.00} Highest Balance {$130.00} Payment Status Current Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due -- Times 30/60/90 Days Late XXXX Remarks --
Consumer complaint received 2017-10-03
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: CITIBANK, N.A. (MO)

My ex husband was awarded the credit card debt in our divorce per the divorce decree MO case number XXXX. When I had access to the joint funds, I had paid these and had the accounts in good standing, but since the divorce, he has neglected to pay them, and it has dropped my credit score significantly.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Velocity Portfolio Group (NJ)

Subject : Cease Unauthorized Credit Reporting Immediately Violation of New Jersey FCRA Identity Theft Fraud Laws Dear Velocity Investment, LLC, I am writing to address a concerning violation involving the unauthorized reporting of information to my credit report, as mandated by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as New Jersey identity theft fraud laws. 

It has come to my attention that Velocity Investment , LLC has engaged in unauthorized reporting to my credit report without obtaining my explicit consent, which is a clear violation of federal law as outlined in the FCRA, particularly under Section 1681b ( a ) ( 2 ). 

In addition to federal law, New Jersey state law, particularly the New Jersey Fair Credit Reporting Act and identity theft fraud laws, underscores the necessity of consumer consent for credit reporting. Unauthorized access and misuse of personal information are serious offenses under New Jersey law, subject to penalties. 

I assert that I have not provided consent for Velocity Investment, LLC to report any information to my credit report. This lack of explicit permission constitutes a violation of my rights and could potentially damage my creditworthiness, in addition to disregarding federal and state laws. 

I demand that Velocity Investment, LLC immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and New Jersey state law. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance and subject to penalties under applicable laws, including New Jersey identity theft fraud laws. 

Obtaining consent is not optional but a legal obligation under these specific sections of the FCRA, New Jersey state law, and identity theft fraud laws. This is a demand for compliance with both federal and state regulations, aimed at protecting consumers like myself from unauthorized and damaging credit reporting. 

I expect Velocity Investment, LLC to promptly rectify these violations and respect my rights under federal and state laws. 

Done in good faith.
Consumer complaint received 2017-10-03
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: Experian Information Solutions Inc. (OH)

I have sent certified mail to experian requesting verification as well as validation. Experian has broken the law : By the provisions of Section 611 of the Fair Credit and Reporting Act of 1970, I demand these items be deleted from all current and future credit reports. Please forward the names of any individuals and/or organizations you contacted so I may follow up with them directly.
I shall assume that 30 days constitutes a reasonable time for verification of these entries. Through our interpretation of Section 611 ( a ), it is understood that the failure to verify these items within 30 days constitutes a reason to promptly drop the information from the credit report.
Pursuant to Section 611 ( d ) of The Fair Credit and Reporting Act, please send notification that these items have been deleted. Please send an updated credit report to my address that is listed above. The provisions of section 612 state that there is no charge for this notification.
Experian is concerned whether my complaint is from a credit repair company instead of addressing my issue of all the incorrect, fraudulent information on my credit report. I will be pursuing legal action against experian as well as CFPB. The LAW360 lawsuit is an just one example that will happen to experian. This is utterly ridiculous that consumers have to endure such foolishness! 

All these accounts are a product of identity theft : 1.  XXXX XXXX XXXX XXXX Negative item 2. XXXX XXXX XXXX XXXX Negative item 3. XXXX XXXX Negative item 4. XXXX XXXX XXXX Negative item 5. XXXX XXXX XXXX Negative item 6. XXXX XXXX Negative item 7. XXXX XXXX Negative item 8. XXXX XXXX Negative item 9. XXXX XXXX XXXX Negative item 10. XXXX XXXX XXXX.
Consumer complaint received 2015-12-16
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (MO)

I have established credit with Macys since 2009. My credit limit was {$2600.00} and rarely did I ever spend more than {$500.00} in any given month, nor do I use the card monthly, nor did I use it at any other store but Macys. Yet. on XXXX XXXX, Macys allowed a woman to call up their customer service from XXXX, and in XXXX call raise my credit limit to {$16000.00}, change my address, change my email ( since when do emails change too. ), my phone number and the overnighted a card to her in XXXX to begin using, which she did. On Friday, XXXX XXXX Macys called me to tell me that someone had ATTEMPTED to change my address but because they were unable to answer the security questions it DID NOT HAPPEN and they were just notifying me that she did have my name, date of birth and the last XXXX digits of my soc. sec. # as a courtesy. She also gave me the address that my card was changed to in XXXX. Because it appeared my information had been compromised, I filed a police report. The police officer had additional questions and requested that I call Macys back to get these answers. At the time I learned the whole truth. At the time I was given a verbal list of both attempted purchases with my credit and purchases that went through. The police officer told me that to catch the person a list of all attempted purchases and their locations would help. I called Macys back and they refused to give me the attempted purchases or the locations of any additional purchases. As it stands I only have XXXX locations, and the police were able to recover video of my card being used but it was inconclusive so to have the additional locations would aid in catching these criminals. Macys told me that the police officer could request this, so she did and Macys still denied her request and provided no new locations. I contacted Macys corporate office requesting an explanation as to how this happened in the first place, why I was lied to and a full list of all attempted charges and the locations. XXXX XXXX assured me this would happen and I have yet to hear back from her as well. Macys not only gave away my credit, but lied to me and now continues to impede a police investigation where time of essence. I have yet to receive any list of any charges with locations in writing, I was told I have XXXX accounts open with Macys but Ihave no information about those accounts which I want closed and all my information deleted from their system. Macys credit is apparently managed by Department Stores National Bank and affilated with Citibank even though the card is a Macys AMEX, makes no sense to me accept to allow this to happen and pass the buck.
Consumer complaint received 2017-10-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

I deposited a check for approx {$1000.00} into my JP Morgan checking account. A few days later my account was closed without any notice to me and they kept my retirement check that I deposited. I went into the bank and they promised to give it back once I followed the steps they provided. I did that day and they still refused to give me the money. No one can explain why my account was closed without contacting me. I contacted XXXX XXXX about the validity of the check they issued me and they told me they paid the check. XXXX claims they did n't pay the check but have no record of that and want me to prove they did. So I again brought it proof and chase still refuses to give me my {$1000.00}. They just blow me off and keep my money.
Consumer complaint received 2024-02-28
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Navient Solutions, LLC. (GA)

On XXXX I filed for bankruptcy and Navient Solution- was included in the bankruptcy. I have my student loans with XXXX, who is the official servicer of Federal student aid, and during bankruptcy they were placed in forbearance until my bankruptcy plan was complete. I completed my plan in XXXX and I have worked with XXXX to consolidate all of my direct subsidized and unsubsidized student loans, submitted the PSFL paperwork, and applied for the SAVE repayment plan. However, in XXXX XXXX of last year, I started receiving paperwork from Navient- stating that my loan was past due. It was my understanding that all of my loans have been consolidated or discharged in the bankruptcy. I received a letter from Navient in XXXX, dated XX/XX/XXXX, that states they received notification that my bankruptcy case has concluded and that I am now responsible for the remaining balance of the loan, according to the promissory notes. In the same letter, there was also another letter that stated the loan was placed in forbearance ; however, I did not submit any paperwork requesting a forbearance from Navient. One that document it states that I agreed to repay the loan after the forbearance period expires- However, I did not submit the request, nor did I agree to the terms. Navient started calling my phone day and night leaving messages that my loan was past due. I reached out to Navient on XX/XX/XXXX and told them about the account being discharged with my bankruptcy and they told me I had two account and that one of the loans was included in the bankruptcy but not the other one. Unfounded to me, I asked to speak with someone and they told me, the loan was transferred back to the guarantor during the bankruptcy I asked who the guarantor was and they gave me the following number XXXX, with no other name. I reached out to the company XXXX who states the did received {$480.00} from the courts but once the bankruptcy was completed they transferred the account back to Navient and they opened the account back up. I told them I did not understand how, when the Courts included Navient in my bankruptcy and discharged it- they said because it was a student loan ; however, as mentioned above all of my loans were consolidated with XXXX and Navient could not tell me who the lending source was. And original the young lady told me my account was closed- until they reopened it- causing it to show as two different loans. I asked the young lady for a copy of the original paper work and who the loan was originated with, and as of date, I still have not received that information- but continue to receive harassing calls from Navient and negative ratings on my credit report, as a result. I do not recall receiving a student loan from XXXX, which is what the letter states as the Loan Program- that is why I asked for verification.
Consumer complaint received 2024-02-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (KY)

My account was frozen due to action that violated the Venmo user agreement. I still dont understand why it was closed. They froze it and told me I had to send in my photo id and that I had to wait 7 days for a response l. I waited the 7 days and the sent a email saying they are permanently closing my account. I have XXXX from my tax refund this year. I have the transactions on the account to prove it. I also was get my paychecks from work deposited into the Venmo account as well. Now they are saying I have to wait XXXX u til I could access my funds. I have XXXX XXXX  I pay market rent I cant afford to wait 6 months.
Consumer complaint received 2020-06-30
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

I booked a trip through XXXX on XX/XX/XXXX of last year to go on a trip for XXXX to XXXX, XXXX on XX/XX/XXXX. The whole trip including flight, airfare and hotel was {$35000.00}. XX/XX/XXXX Hurricane Dorian ( category 5 hurricane ) hit the XXXX and sat there for several days destroying the islands, hotels and the airport was under water. Flights couldn't go in or out for weeks. We decided to cancel our trip on XX/XX/XXXX as no flights were going in or out of the country. We then received a notice from XXXX that we would only be credited {$1000.00}. They charged us {$100.00} cancellation fee for the hotel room even though the hotel didn't exist anymore and told us our flight was non-refundable. I immediately contacted Capital One to dispute the charges as I had paid with this card. Capital One reached out to XXXX and XXXX advised they would give us a flight credit with XXXX XXXX that had to be used by XX/XX/2020. Capital One then dropped the dispute and closed our case. In XXXX of this year we began planning another trip to use our flight credits with XXXX XXXX before they expired. That's when XXXX happened and XXXX closed its doors. Their website said to dispute the charges with my credit card company but because I had already done that months before it's Capital One 's policy not to reopen the case. We also contacted XXXX XXXX but they said that XXXX  still had our funds and there was nothing they could do- it had to be handled with XXXX . Now we're out an additional {$2400.00}. Please help us resolve this ASAP.
Consumer complaint received 2022-09-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (PA)

In XXXX of 2021 I became unemployed. Ive had my checking and savings account with Wells Fargo for over 5 years and I had many outside transactions going into my bank. For examples bill payments, subscriptions etc. I called Wells Fargo several times to put stop payments on items so that I could avoid any overdraft fees. A representative told me that a stop payment was applied but it might not stop reoccurring payments from being posted. So my stop payment never worked for me and in turn my account became overdrawn to the point I couldnt make any payments to cover the fees. As the overdraft fees kept piling on Wells Fargo eventually closed my account and now they are constantly harassing me everyday with phone calls to see if I can make a payment. Im still unemployed looking for employment so I am unable to make those payments. Ive talked to several representatives and I mentioned that I should have been notified to close my account to avoid the fees but that option was never offered to me. And now my past account is at an amount that I can not afford and I feel like I wasnt given any options to rectify my situation especially since I called numerous times to avoid the fees from accruing.
Consumer complaint received 2024-02-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

I have tried retrieving cash from my checking account at 5 banking locations from ATM on Sunday morning XX/XX/year> and none of them had cash available for disbursement. 

The locations were as follows XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX