davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-27
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: AMERISAVE MORTGAGE CORPORATION (MD)

i applied for a loan, was denied after paying for an appraisal, was told i could deffinately qualify for a different type of loan, but would have to pay again for an appraisal because of the different kind of loan, pd {$500.00}, was denied so i requested return of funds, was never contacted after repeated calls even to a supervisor, can you please help me with this matter that has gone on since XXXX of XXXX thank you in advance sincerely, XXXX XXXX
Consumer complaint received 2024-02-27
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: Payward Ventures Inc. dba Kraken (IN)

On XX/XX/2024, I made a wire transfer of {$6000.00} from my own bank account to my Kraken Crypto Exchange account. I made this transfer to buy bitcoin on Kraken. 
However, Kraken keeps this money in its own account and has not transferred it to my account for about 15 days. I wrote dozens of e-mails and called dozens of times, but I can't get any results. They have literally stolen my money, please help. 
NOT : Moreover, they have used this money for 15 days and earned money. However, I lost money because I could not buy Bitcoin. I don't know if there is anything you can do to compensate for this damage.
Consumer complaint received 2024-02-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (IL)

We have reached pout to Jefferson regarding this fraud debt. The original address is nt associated with me in no shape form or fashion. This is causing serious harm to my credit and we have started litigation on the matter, This violation of 15 USC 1681B permissible purpose and these things were not done by me and need to be taken of asap.
Consumer complaint received 2024-02-27
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Credit Karma (WA)

My bank account was hacked and compromised my bank account password was changed I received an email from my bank asking if I made the changes to my account I responded XXXX immediately after saying that i made no such changes a few hours later XXXX $ was transferred out my account to someone else debit card my funds were transferred from my savings into my checking without my knowledge or consent my email address had been changed on my account without my knowledge or consent and fraud department never contacted me once or provided protection for my account & when I reached out to the customer service at the bank they were rude I was threatened to be hung up on my account wasnt closed out until the third time I called because funds were still being transferred out of my account
Consumer complaint received 2024-02-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (OR)

I tried several times with several different checks to use their app to deposit checks. Not only did it not work, they refused to allow me to re-scan my check and said I need to go to the initiating bank. I don't have an account at these other banks and they charge me fees to cash their checks. 

Also, I tried to use their system to pay my rent but they tricked my landlord into signing up for a chime account and it screwed up my rent payments.
Consumer complaint received 2024-02-27
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Dave Operating, LLC (MD)

I HAVE BEEN GETTING CHARGED FOR THIS DAVE INC MEMBERSHIP FOR OVER A YEAR. THEY CLOSED MY ACCOUNT CANCELLED IT WITHOUT NOTICE OR PROVIDING ANY INFORMATION TO ME BUT STILL CONTINUE TO BILL ME FOR THEIR MEMEBER SHIP FEE OF XXXX DOLLAR PER MONTH. I HAVE CALLED MY BANK TO GET THE STOP PAYMENT BUT THEY CANT BECAUSE THEY ADVISED THE WAY DAVE INC IS WITHDRAWING THE MONEY IS LIKE THEIR USING AN ATM AND ITS NOT REOCCURING MONTHLY MEMBERSHIP CHARGE. THIS COMPANY HAS BEEN DEFRAUDING ME FOR SEVERAL MONTHS. THEY CLOSED MY ACCOUNT WITHOUT ANY KNOWLEGE XX/XX/year> HOW DOES A COMPANY BLOCK YOU FROM ACCESSING AN ACCOUNT THAT YOU USED TO AVE WITH THEM BUT STILL CHARGE YOU. ITS FRAUDULENT.
Consumer complaint received 2024-02-27
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc (AL)

On XX/XX/year>, a collections account was added to my account. Multiple numbers and information wasnt consistent with each other so I disputed it multiple times. In between disputes, I gave then a call and Disputed a debt, they are now claiming it is valid, without giving me proof of the validity of the debt. I can prove the debt is invalid per my lease ( Legal document pertaining to the property ) I can prove the debt is invalid per XXXX XXXX ( XXXX ), since the landlord failed to provide an itemized statement within 30 days of lease termination. I have been offered lower debt amounts multiple times but no answers to my requests for information. They change dates and amounts after every dispute but havent matched. Called them over 6 times and they threaten me multiple times saying they could make this difficult for me later on in life and it would be better if I didnt questions. Unable to get a resolution from them, I resolved to file a complaint.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (NY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: First Credit Services Inc. (FL)

I have been receiving multiples calls from this agency about me owing XXXX XXXX.An account can not be furnished without my instructions and it has been annoying I constantly get calls and no one is trying to help. I have no idea about this account. It was opened fraudulently.
Consumer complaint received 2024-02-27
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (MI)

XX/XX/year> ... .. XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Credit Acceptance Corporation has violated my rights. 15 USC1681 section 602 A- States I have the right to privacy. 15 USC1681 section 604 A section 2 - also states a consumer reporting agency can not furnish a account without my written Instructions. 15USC 1681c a 5 section states, no consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse items of information other than records of conviction of crimes which antedates the report by more than seven years. 15USC 1681s-2 A 1- states a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate, also they are not in compliance with reporting standards FCRA FDCPA Credit Acceptance Corporation account numbers XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
Consumer complaint received 2024-02-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HUNTINGTON NATIONAL BANK, THE (MI)

I opened up a checking account with Huntington in XX/XX/XXXX due to their advertised promotion, " To qualify for a {$400.00} cash bonus, you are required to do ALL of the following : 1 ) Open a new, Huntington Perks Checking account during the promotional period between XX/XX/XXXX and XX/XX/XXXX. XXXX ) Make cumulative new money deposits into your new Perks Checking account of at least {$1000.00} or more within ninety ( 90 ) days from account opening. New money is defined as money that is not currently on deposit in any Huntington account ( except maturing personal CDs ). 3 ) Maintain an open account status in the eligible checking account for 90 days. '' I deposited {$1000.00} the day I opened the account. 
After I opened the account, I communicated twice with the bank to ensure the account was opened correctly with the right promo code and that I did not have to do anything further. I did this on XX/XX/XXXX with Huntington Employee XXXX XXXX XXXX XXXX. 
Sent : Friday, XX/XX/XXXX XXXX PM To : MY NAME XXXX Subject : RE : Question on new account that was opened XXXX There is no code needed for the promotion. You will get the bonus if you meet the requirements. XXXX XXXX XXXX Financial Relationship Banker XXXX  : SOME NUMBER HERE I specifically asked her to verify she did it correctly. 
From : XXXX XXXXXXXX Sent : Friday, XX/XX/XXXX XXXX XXXX  To : XXXX XXXX XXXX XXXX Subject : RE : Question on new account that was opened XXXX XXXX Not sure if you missed my questions in the original email. Given your computer crashed/hung while setting up the account the first time, I just wanted to ensure which program I am on. 
I contqcted Huntington Customer Service on XX/XX/XXXX since I had not received the {$400.00} and they took all of the information and opened complaint case number is ; XXXX. However, yesterday XX/XX/XXXX, Huntington called me to tell me that they can not do anything to resolve this and that I would have to go into the bank and speak with XXXX to get this corrected. Given I asked her to verify everything was good to go previously and have to take off work to do this I am very displeased. The bank should be able to investigate this and resolve this at a corporate level vs branch level. They owe me {$400.00} and are making me perform additional steps for no reason. This is either extremely poor customer service or complete fraud to not pay the {$400.00}
Consumer complaint received 2021-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MI)

Hello, On XX/XX/XXXX I sent a certified letter to Experian to remove the following inaccurate information however I have not heard back from them and the info still remains. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX  XXXX, MI XXXX
Consumer complaint received 2020-11-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: I.C. System, Inc. (NC)

Unfortunately, I was not aware of the medical debts until I inquired about refinancing my mortgage. I have not been contacted by the physician or a debt collector. My understanding is my insurance took care of the amounts due at the time of service. Another factor that may have played in the miscommunication was a move in 2019. I would like to pay the due amounts to the medical providers and have this debt removed to correct my credit score.
Consumer complaint received 2024-02-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Enterprise Systems, Inc. (NY)

XX/XX/XXXX XXXXXXXX XXXX relief negotiated with Customer Back to settle my outstanding debt of {$14000.00} for {$4300.00}. which was to be paid within 15 days of XX/XX/XXXX per a conversation with freedom debt they issued a certified to XXXXXXXX XXXX for the settled amount. This check was cashed in XXXX of XXXX and put on the balance of the account instead of settling and closing this debt. Finally in late XX/XX/XXXX of XXXX i received a phone call from National Enterprise Systems XXXX Inc. attempting to collect on this debt. I called XXXX XXXX and since then they supposably have been in contact with XXXXXXXX XXXX trying to resolve this issue. XX/XX/XXXX i received a letter from National Enterprise stating i agreed to a settlement of {$4500.00}. they have called me multiple times since.
Consumer complaint received 2024-02-27
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO. (CA)

XX/XX/24 at XXXX this morning I was charged XXXX for a credit builder loan from XXXX I cancelled my account on the XXXX and they manually pulled the money anyway after my account closed on the XXXX and then I get a charge on the XXXX its just weird they were able to pull my account into the negative using ACH and I just want my money back in my account and not in the negative balance I have a CHASE Secure Banking card with no overdraft spend what you have and it stilled pulled it into the negative Im upset at this uproar of a way to wake up in the morning.
Consumer complaint received 2024-02-27
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. (IL)

Nelnet has re-aged XXXX old accounts and is reporting XXXX obsolete delinquent tradelines on my XXXX credit report. I have not made a payment on either of these accounts since XX/XX/XXXX. Both debts were forgiven and paid in full by the federal government on XX/XX/XXXX. Under the Fair Credit Reporting Act, debts can only be reported on a credit report for seven years after the date of the first delinquency. The federal government forgave and paid these debts without my prior knowledge, request, or any such submitted application. I unexpectedly received a letter informing me of this on XX/XX/XXXX. The final payment made on XX/XX/XXXX for {$290000.00} was not by me. It is a violation of federal law under the FCRA 623 ( a ) ( 5 ) ( A ) for Nelnet to re-age these accounts and for XXXX to continue reporting them. Re-aging is when a creditor changes the date of the last payment on a debt to a more recent date than is accurate. I did not request, initiate, or cause the last activity of the final payoff. I requested a copy of my original federal student loan consolidation contract on XX/XX/XXXX and only received the attached automated response and no follow-up in over 4 months.
Consumer complaint received 2024-02-27
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (IL)

I told XXXX and XXXX to reinvestigate this account : JEFFERSON CAPITAL SYSTEM However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify and delete accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-02-27
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP (FL)

I have a 15 year old credit card account with US Bank under the Cash+ rotating categories cashback rewards program and have kept my rewards categories unchanged for over 14+ months. Most recently, as of my last 2-3 billing statements my 5 % cashback at Electronics stores ( XXXX ) and XXXX XXXX XXXX XXXX ) have no longer been credited 5 % cashback for purchases. 

In the past 2-3 billing statements I have lost {$59.00} in cash back rewards for purchases, including a {$1000.00} purchase at XXXX with the same 5 % cashback categories that I have always kept on this account, the categories were never changed, as claimed in their previous letter response. 

See attached PDF for evidence and details about this complaint, there is clear and evident proof that both merchants XXXX and XXXX are both 5 % cashback categories and that I have earned 5 % cashback from purchases from them in the past, but for some reason in the past 2-3 billing statements all of that is no longer true for this account and there is an obscure negative rewards balance that doesn't seem to be accurate.
Consumer complaint received 2017-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CO)

Please read Equifax has some kinda of block on my credit file. 

I can sign in to equifax trustedID however my credit report does not display and I can not lock my credit file. when i call the customer service number I am told I do not have a credit file. 

Trusted ID worked for me only on 1 day XXXX/XXXX/2017 and one day only. 

After that equifax placed some kinda of block preventing my credit report from displaying. 

I can not lock my credit file thru trusted id. I get an error. 

See attached.
Consumer complaint received 2016-12-31
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC. (CA)

A company named Navient started sending my husband and I multiple letters a week saying we both owed them money for school loans. My husband does n't go to college so he filled out a fraud complaint with Navient and they said he did not. Then, they kept calling and sending up to 10 letters a week. Two days ago, another company XXXX XXXX XXXX called and stated they were calling for Navient. I told them that Navient was a predatory company, that I was still in school and I had no verification of having a loan with them. Yesterday, we got two letters from XXXX that stated my husband was a co-signer on a loan that I had from 2007, but I was not in school in 2007. I would like to warn other students to avoid this company and I need help to find out if they have a loan with them which I would consolidate with a reputable loan servicer.
Consumer complaint received 2017-11-03
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: Experian Information Solutions Inc. (FL)

I called XXXX, XXXX, and Experian and told them that the inquiries on my report was not known or authorize. They said that they can not be removed because they are verified. They could not tell me how they verify the inquiries. I also did the online dispute.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXXXXXX Balance : {$4500.00}
Consumer complaint received 2024-02-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

I am writing to file a formal complaint regarding a violation of FDIC rules and federal law by USAA. Upon reviewing my recent account activity, I discovered an unauthorized overdraft charge applied to my account. It has come to my attention that USAA has charged me an overdraft fee, despite my explicit lack of consent for overdraft protection services. 

I would like to clarify that at no point did I sign up for overdraft protection, nor did I authorize any overdraft transactions to be approved by USAA. This action is in direct violation of federal law, as I never opted-in or agreed upfront that the bank could charge me an overdraft fee or approve any transaction that overdraws my account. 

Furthermore, USAA claims to have provided a letter automatically enrolling me in overdraft protection, which I never approved. This misleading action is not only unauthorized but also mischievous, violating my rights as a consumer and undermining the trust I place in financial institutions.
Consumer complaint received 2024-02-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WV)

Portfolio Recovery Associates has a {$410.00} debt on my credit report. They evidently purchased the debt from another company. I asked for verification of debt ( signature documents ) proving the debt was mine. I received a statement from 2020. That's it. No transactions, no signed agreement. No other documentation at all