davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-04
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: DISCOVER BANK (NY)

This dispute was incorrectly resolved twice after the merchant challenged the decision. I have just received the exact same packet rejecting my claim, including the exact same irrelevant documentation from the merchant, as I received in XXXX. Clearly no one read my XXXX letter, and the " review '' I have been waiting months for was a sham. 

The merchants additional documentation proves only that the table was ordered and receivednone of which is in dispute. Their documentation is therefor irrelevant tot he case. 

I ordered a table, received a heavily damaged table and returned it ( as the merchant does not dispute ), received a second heavily damaged table on XX/XX/XXXX, immediately contacted XXXX via the customer service chat, spoke with XXXX who apologized, told me to dispose of the table ( which had very sharp broken edges ), and told me I would receive not only a refund but also additional credit because I had ordered the table special for a family barbecue ( now missed ), and because I have been a very good XXXX customer since 2005. That same day, he sent me an email confirming the refund, which I have uploaded. As I also demonstrated on Discovers chat, the emails metadata links to my XXXX account. 

I did not return the table because XXXX Customer Service told me not to. The email from XXXX Customer Service, stating that I am receiving a refund, is attached and I believe represents a binding contract.
Consumer complaint received 2021-01-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: WELLS FARGO & COMPANY (CA)

My mother, XXXX XXXX XXXX ( now deceased ) received two checks from Wells Fargo because of a legal dispute and settlement with the Consumer Financial Protection Bureau and the OCC. The first check was for {$8300.00} ( tracking # XXXX XXXX. The second check was for {$1300.00} ( tracking # XXXX XXXX. 
I contacted Wells Fargo to let them know my mother was deceased and they stated they would reissue the checks ( from two different departments ) but they would need a copy of my ID and a copy of my mother 's Will. 
I sent them a copy of my social security card, drivers license, marriage license showing name change and a copy of my mother 's Will. 
They have still not sent a check for the {$1300.00}, stating there are other names on the Will. 
XXXX XXXX XXXXdeceased XXXX XXXX XXXX XXXX XXXX-my brother ( to receive cash that was in my mother 's saving account only. The remaining estate to be divided between my sister XXXX XXXX and myself. 

The first check was sent to me XX/XX/2020 in the amount of {$8300.00} in my name and my sisters name. 
I have made numerous attempts to contact my sister through email, phone and text. She will not respond to meet me at the bank to cash this check. 

My complaint is : When I contacted Wells Fargo to have them cancel the check for {$8300.00} and reissue two checks, one to my sister and one to me, in the amounts of {$4100.00} each, they stated they can not reissue the check. I asked them if I'm just out {$8300.00} and the representatives response was YES. 

The second check for {$1300.00} is still being evaluated due to multiple names on my mother 's Will. 

I would appreciate any guidance you can offer in this matter. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2020-07-20
Product: Credit card or prepaid 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: AES/PHEAA (GA)

I was shocked when I reviewed my credit report and found 120 days late payment on the dates XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2017-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I 've disputed several accounts with Equifax as fraud. I even sent a request via mail and never gotten resolution. Equifax fails to accurately verify the accounts. Several accounts are fraudulent and upon contacting the creditors they all stated that the address and social security does n't match. The following accounts are fraud : 1.XXXX XXXX Account # XXXX 2.XXXX  Account # XXXX 3.XXXX Account # XXXX 4.XXXX XXXX Account # XXXX 5.XXXX XXXX  Account # XXXX 6. XXXX XXXX Account # XXXX
Consumer complaint received 2021-01-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (OH)

I lost my credit card when my wallet dropped and spilled it's contents in a very busy public place. I did not realize that my card was missing until I received a billing statement for merchandise that was fraudulently purchased with the missing card. I then reported the card missing and followed up with a confirmation letter. I complied with all the company 's requests except the filing of a police report as I was told by the detective that I was not the victim. They could only take a report from the credit card company or the individual merchants. The company now states that I still owe the money.
Consumer complaint received 2021-11-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Resolutions, LLC (CT)

This company, Credit Resolutions , LLC has failed multiple times to validate the debt of {$XXXX} they are trying to collect from me although I have sent multiple debt validation letters to them. In XXXX of XXXX, I wrote this company requesting validation of debt ( a contract bearing my personal signature, their right to collect/ownership of the debt, all fees, penalties I allegedly owe ) and they have failed to provide me with the information I requested. I have since sent XXXX more letters requesting this information and they have still failed to provide me with the information but refuse to delete this file from my credit report and continue to pursue me for this alleged debt. They are claiming validation was already sent in XX/XX/XXXX ( before the account ever even existed! ) but I have NEVER seen any of the information that I am requesting from them. This is a direct and obvious violation of XXXX and a violation of the FDCPA. It is causing damage to my mental health to have to continue to fight this, and will also cause financial damage as I will be hiring a lawyer and fighting this in court if it is not removed amicably after this complaint is filed.
Consumer complaint received 2022-01-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NY)

GOOD AFTERNOON, I AM HAVING A MAJOR ISSIUE WITH CITIBANK. WHENI HAD CITIBANK, AT THE BEGINNING I DIDN'T HAD ANY PROBLEMS WITH THEM TILL THEY PUT AN FRAUD ALERT IN MY ACCOUNT. THIS FRAUD ALERT WAS DATED ON XX/XX/2021 AND IT STILL YET HAS NOT BEEN RESOLVED. THE REASON WHY I HAD THIS FRAUD ALERT WAS BECAUSE UNFORTUNETLY I GOT SCAMMED BY A LADY WHO I STARTED WORKING FOR HER ONLINE TO DO HER ERRANDS AND WAS PAYING ME THROUGH XXXX. WHEN YOU GET PAID BY XXXX, UNFORTUNETLY, YOU DO NOT KNOW WHERE THE MONEY IS COMING FROM RIGHT. SO WHEN I WENT TO THE BRANCH TO TALK TO A FRIEND OF MINE WHO WORKS THERE SHE EXPLAINED TO ME WHERE THE MONEY WAS COMING FROM. IT TURNED OUT TO BE THAT THIS LADY WAS PAYING WITH SOMEONE ELSE 'S UNEMPLOYMENT CHECK AND THAT'S WHY CITIBANK PUT A FRAUD ALERT IN BOTH OF MY ACCOUNTS CHECKING AND SAVINGS. WHEN I CALLED THE FRAUD DEPARTMENT I EXPLAINED TO THEM THAT I HAVE NOTHING TO DO WITH THAT AND THAT I'M INNOCENT BUT THEY SAID THAT I NEEDED TO WAIT 30-90 DAYS SO THEY CAN INVESTIGATE AND NOTHING HAS BEEN DONE. I CALLED EVERY TWO TO THREE WEEKS AND THEY ALWAYS TELL ME THE SAME THING. I HAVE VISIT THE BRANCH SEVERAL TIMES AND THEY SAY I HAVE TO DEAL WITH THE FRAUD DEPARTMENT. AS YOU CAN SEE THEY HAVE ME BACK AND FOURTH AND STILL THIS PROBLEM DOESN'T GETS RESOLVE. WE ARE TALKING HERE OF ABOUT {$7000.00}, THEY HAVE MY SAVINGS, MY TAXES AND SOME OF MY STIMULUS MONEY ON HOLD. I DO NOT FIND THIS FAIR, I HAVE XXXX KIDS WHO DEPENDS ON ME AND I DO NOT WORK FULL-TIME PLUS WE ARE ON A PANDEMIC AND IS LIKE THEY DO NOT CARE. I DO NOT RECEIVE ANY UPDATES FROM THEM UNLESS I CALL THEM. PLEASE HELP ME WITH THIS SITUATION. THIS IS SO FRUSTRATED AND I CAN NOT DEAL WITH THIS NO MORE, I NEED YOUR HELP.
Consumer complaint received 2022-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I never had a permissible purpose Under 1681 b number 2. I never instructed you to furnish this report or to create this report. I never consented to this report in the first place.
Consumer complaint received 2020-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CITIBANK, N.A. (MN)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MInnesota XXXX DOB XX/XX/XXXX SSN XXXX Citi bank Cc CFPB On this XXXX day of XX/XX/XXXX I XXXX XXXX XXXX I have contacted your office via MInnesota Attorney Generals office, credit reporting agencies and the consumer financial protection bureau. But it is hereby known that I have sent you factual proof and documentation of your unlawful and negative credit reporting that you are reporting on me! But you refused to remove the violations. In accordance with the federal fair debt credit practicing act 15 USC & 1692 you are hereby notified to Cease and Desist reporting account XXXX in addition you are hereby to remove this account from all credit reporting agencies I will request documentation that you have complied with this request Thank you XXXX XXXX
Consumer complaint received 2022-10-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (NE)

XX/XX/2021, i was contacted by Fed Loan Servicing to start a payment plan on my student loan account. I was ordered to pay XXXX to enroll in the XXXX XXXX program. I checked my student account to see if any payments were made, and there's yet to be any made. I see that they are taking XXXX a month out of my account as well. I was told by a student loan processor that i should NOT have to pay money out of my pocket in order to be eligible for this program. Making me believe i have been scammed by cornerstone. I would appreciate it if you guys took a look into this. And I'm hoping i can get reimbursed for the XXXX and also help applying for a new legit student loan advisor.
Consumer complaint received 2020-07-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Home Loan Center, Inc. (TX)

please look at previous complaint XXXX and XXXX I feel like im playing wack a mole This is a debt that shouldn't have ever happen A XXXX XXXX   was taken out of the original loan that was canceled on the first business day after consultation Actually the loan was pushed thru before I left their office on the consultation day unknown to me I have a letterhead I assumed was sold to XXXX IN Which i thought i had settled the issue Then I got a collection notice from XXXX which was now the company trying to collect an illegal debt That was soon settled Now XXXX XXXX is trying to collect that same debt which is confusing more so on the original collection I have a letterhead that has XXXX XXXX   XXXX XXXX XXXX On the first collection The amount that was taken out should not have happen Loan was canceled on First business day after consultation Also It shouldn't be on my credit report because IT Was For a Medical procedure This is running my credit I have been very careful with my credit and havent paid a late bill in over! 0 years please help me clear up this issue
Consumer complaint received 2021-01-24
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Exeter Finance, LLC. (CA)

Last year of XX/XX/2020 my car disabled and I dont know whats wrong so I decided to fix it and spend a XXXX of money and I found out that they put a tracking device to disable the car without my notice and evading my privacy. They repossessed my car and the two repo has no mask while they talking to me last two week and no papers to provide. I paid {$500.00} to my loan last XXXX and I miss payments on XXXX coz of covid. Im about to make payments on XXXX but they repo my car on the XXXX and my due date is on XXXX XX/XX/XXXX.
Consumer complaint received 2022-08-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (GA)

Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX, XXXX and autograph as the agent XXXX attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so it be it, and ; Fact, I demand that the following inaccurate/incomplete and unauthorized information be deleted off my credit report immediately : Notice, it is a fact, XXXX XXXX failed to follow procedures under 12 CFR 1022.42 account must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
CREDIT MANAGEMENT LP Account Number : XXXX As a consumer by law this account must be deleted immediately. 

Notice, it is a fact, account does not provide date of first delinquency must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
CREDIT MANAGEMENT LP Account Number : XXXX As a consumer by law this account must be deleted immediately. 

Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge.
Consumer complaint received 2021-05-20
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: AXOS FINANCIAL, INC. (CA)

I initiated a XX/XX/2021 withdrawal request in the amount of {$4400.00}. There were three transactions selling XXXX to support the withdrawal request in the amount of {$4400.00}. I followed up on XX/XX/2021 and was told the first request failed and to submit another request, so I initiated a second withdrawal request. I followed up on XX/XX/2021 and was told on XX/XX/2021 the second withdrawal request failed and that I should put in a third request, where customer support would forward my request to IT afterward. Counting today, it has been 13 business days since XX/XX/2021, which exceeds the 5-7 business days for the withdrawal of funds to take effect. I understand the cash is still in my XXXX XXXX account but I'm not understanding why this hasn't been transferred to my checking account.
Consumer complaint received 2022-08-05
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP (MN)

On XX/XX/2022 I ordered product for a company web site. I was asked to transfer funds using XXXX on my US Bank saving account sum of {$280.00} dollars, When I asked the company for shipping information using email ( XXXX ) got no response from the company, Tried a few times to contact them via chat on their website and no response. 
Contacted the person that I sent the money too and she " said I do not have your money ''. 
Someone named " XXXX '' has it and she can not provide information. XXXX XXXX email XXXX. 
Her email is not valid anymore and the web site is shut down. 

Thank you for any thing you can do to recover any of the funds sent. The bank can do nothing. 

Best regards, XXXX XXXX
Consumer complaint received 2020-11-16
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: U.S. BANCORP (PA)

My XX/XX/XXXXunemployment Reliacard was issued by U.S Bank. On XX/XX/2020 I tried to make a card to Bank transfer from Reliacard to My personal Checking account. However, the transfer was not approved and U.S Bank froze my account for no reason. I called the customer service at U.S Bank regarding the transfer. The customer service told me that My card was deactivated that they will issue a new card for me. So I waited for a week for my new card, however, the card never arrived. Then, I logged into my online account on XX/XX/2020 and I saw my unemployment money was missing from my account while I had no access to my card or money. There are {$3100.00} were used in XX/XX/XXXXBut I live in XX/XX/XXXX and have never been to another state and was in college. However, I received a letter from U.S Bank denied my fraud claim on XX/XX/2020. Please help me with my unemployment money.
Consumer complaint received 2021-05-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TCF NATIONAL BANK (CO)

Parties involved in this dispute : MrXXXX and Mrs. XXXX VS TCF Bank On XXXX XXXX my husband came to me and said we have an XXXX XXXX on our account, Can you find out what this is. So I logged on XXXX XXXX and talked to an agent Who said you have logged on to unsecure site and said he could fix it for me. He said to be able to access XXXX XXXX we need to do a few things. One being a picture of my credit card and face. Let me tell you honestly he had me put in some long numbers By the time I realized it he had had drained our checking account. I called the bank immediately by the time I got through all the prompts there was 3 transactions. The bank assured me not to worry we already flagged the 3 transactions. At the same time my husbanded dropped everything and headed to the bank. He sat down with the bank manager she pulled up our account, she showed him the screen with 3 items where flagged and not to worry. Than a quick visit on Monday morning the bank said we let 2 charges go through and flagged one. so this meant NO your not getting your money back On that same day XX/XX/XXXX I filed a report with the XXXX XXXX police department. I gave the wed site and who I called case # XXXX Since than we have spent hour after hour fighting with the bank, As you will see in the paper work the bank will not return our money because they said we benefitted from the transaction. The whole thing is a nightmare We lost {$5500.00} They said we bought crypto currency. WHAT??? I admit I was very irresponsible and down right stupid. However my complaint is why did they return one and not the other 2. Please help us as we have called every week to get answers, they keep sending letters why they are not working with us This has left us in a very dire situation Please Please help us
Consumer complaint received 2020-07-20
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: MoneyLion Inc. (NY)

I applied for moneylion and there loan back in 2018. My first loan went smooth I made all my monthly payments no late payments at all. It was on auto pay. My first loan gets paid off. Then I apply for one more loan with moneylion to keep gaining credit with them and this was another {$500.00} loan. Loan # XXXX. 
The loan that ruined my credit and moneylion basically scammed me. First few payments are going well then my bank account got closed as I was no longer in high school and got a college checking account. First thing I do is try changing my account through the app didnt work! I tried calling multiple times, every time was an hour on hold and they wouldnt help me change my bank account they told me to change via app. So im missing payment after payment as they are not allowing or helping me to change my bank account. At this point i tried calling to pay off the whole loan on a different bank account and I still wasnt allowed. 
Since then my credit has dropped completely because of moneylion and it isnt fair after disputing with credit bureaus, calling moneylion, complaining with XXXX. I still have received no help at all. At this point Im ready to get a lawyer to help me with money lion and my credit. After a year of missed payments and finally getting a great customer service rep One of their own customer service reps said to dispute with a credit bureau and they would forgive me for paying off the loan in full and my payment wasnt with a different bank account they used my investment account and liquidated it as they still didnt allow me to change my bank account. 
Moneylion LLC ( www.moneylion.com ) I have seen several complaints from a lot of people about moneylion on XXXX, and other review sites. Ive seen class action law suits against moneylion. As you can see im not the only individual having this issue with them.
Consumer complaint received 2020-07-20
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. (OH)

Recently while conducting a monitor of my credit report I discovered items that have unverifiedinformation. I am a victim of identity theft and section 605B of the Fair Credit Reporting Act, requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Under the Fair Debt CollectionsPractices Act, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partytorelease myinformation toathirdparty. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA, section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report.