davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: BlockFi Inc (TX)

Investment account with XXXX. All of my funds were in the Interest Account ( ~ {$8800.00} ). They have closed access to withdraws or any transactions, will not respond to any customer service lines, and essentially locked me out of my funds. Accounts were locked in mid XXXX.
Consumer complaint received 2022-08-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ALLY FINANCIAL INC. (MD)

Starting XX/XX/2022, 3 fraudulent charges occurred on my Ally Bank debit card. The first was charged, the second and third were declined by Ally bank. My debit card was in my possession the entire time, and no other person than me had access to it. I did not authorize any of these transactions. My password, PIN, and associated email address and phone number are all secure to my knowledge. 

Fraudulent Charges XX/XX/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The second and third charge were declined, and I was sent a text message from what claimed to be an Ally bank source alerting me of potentially fraudulent activity and to decline or allow it. I declined and Ally initiated a phone call with their 'fraud services. ' They never answered the phone, and hung up after a period of holding. Calling the line back several times, I had the same result each time. After researching online, this fraud is widespread to anyone with a debit card at Ally bank, and wait times for the phone lines are extremely long with no resolutions in sight anyways. I have locked my card, disputed the first transaction which was charged, and will wait for a proper response from the company. The bank so far has not responded to my dispute with the first charge, and has not made any official statement about this widespread fraud.
Consumer complaint received 2022-08-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (PA)

I reached out to Fedloan Servicing in early XX/XX/XXXX after I received a letter in the mail dated XX/XX/XXXX stating I was approved for PSLF ( Public Student Loan Forgiveness ) and that my student loans qualified with the XXXX payment requirement. Since then I've tried getting answers about the total student loan payment count as I've been paying on my Student Loans since XXXX. I was inquiring about any student loan refunds that I would be eligible for. Every time I called to speak to someone at Fedloan Servicing, I received different information. Initially I was told that I would be receiving a refund and then more recently I was told I wouldn't be receiving a refund. I was inquiring about the student loan payments I've made over the XXXX payment requirement for the PSLF. I've read I was eligible for all payments made over the XXXX payment requirement. I also read that I would be eligible for a student loan refund for payments I've made during the COVId Relief starting XX/XX/XXXX. I've made payments on my student loans throughout XX/XX/XXXX and made my final student loan payment in XX/XX/XXXX. I've called both Fedloan Servicing ( the student loan servicer who sent me a letter approving my PSLF ) and I've also reached out to American Education Services ( AES ) who serviced my loans since XXXX and have not received any clear answers from either Federal Loan Servicer. I just want to find out if I will be receiving any refunds either from my over XXXX student loan payments or from the student loan payments I've made since XX/XX/XXXX during the COVId Student Loan Relief period. Thank you.
Consumer complaint received 2022-06-21
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. (IL)

in accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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
Consumer complaint received 2022-09-18
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: EQUIFAX, INC. (FL)

good afternoon Team XXXX Im writing to dispute for the second time the following in my file. The item i dispute alse are encircled on the attachment copy of report i received. 

This item # XXXX, of XXXX XXXX XXXX disputed by name of source, such as creditors or tax court, and identify type of item, such as credit account, judgment, etc. ) is inaccurate or incomplete because ( describe what is inaccurate or incomplete and why ). Im requesting that the item be deleted ( or request another specific change ) to correct the information. 

Use this sentence if applicable and describe any enclosed documentation, such as payment records, court documents ) Enclosed are copies of documents supporting my position. Please reinvestigate this ( these ) matter and delete or correct the disputed items as soon as possibleIn accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 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
Consumer complaint received 2022-06-21
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (CA)

It came to my attention on XX/XX/XXXX that XXXX large Electronic withdrawals had been taken from my US Bank savings account.The total amount of all XXXX amounted to {$41000.00}. 

This is a savings account I opened in XXXX  XXXX after the death of my husband. I have never withdrawn money from this account, never transferred money from this account, it was just my nest egg. The first withdrawal was dated XX/XX/XXXX. This amount appeared at the very bottom of my XX/XX/XXXX ( which I received XX/XX/XXXX ) statement as a small XXXX line entry. Because I have never touched this account I admit I overlooked this. This Electronic withdrawal and the following XXXX others all went to XXXX XXXX. The next months statement I did not receive, at the time I was receiving paper statements from the bank. By the time I received the XXXX statement I could not believe what I saw. My savings was considerably lower. I immediately went to my bank and began the process. 
Thankfully I received all my money back EXCEPT the original {$11000.00} which my bank tells me I waited more than 60 days to notice so they can do nothing. Fraud is fraud. They know where this money went. I trusted US Bank with my savings. Never received an alert or notice or even a phone call or e-mail of any kind about unusual activity. I want my funds back. 

I have provided any and all paperwork the bank required. I want US Bank to fulfill its fiduciary responsibility to me and return my money. I thought it would be safe to deposit money in a bank, but US Bank has proven otherwise
Consumer complaint received 2022-06-21
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: I.C. System, Inc. (TX)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2022-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

in accordance with fair credit reporting Act XXXX, XXXX, Equifax has violated my federally protected consumer right to privacy and confidentiality under 15 u.s.c 1681 According to 15U.S.C 1681 section 602 A States I have the right to privacy. these address and phone do not belong on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and phone XXXX XXXX
Consumer complaint received 2022-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

The Credit Bureaus have not been reporting my XXXX XXXXXXXX account timely. The last reporting for my XXXXXXXX XXXX  credit card was on XX/XX/XXXX. As of XX/XX/XXXX, there is no XX/XX/XXXX update. The Credit Bureaus claim XXXXXXXX XXXX  has not provided them with an XXXX since XX/XX/XXXX. Does XXXXXXXX XXXX provide monthly updated account information to XXXX, XXXX and Equifax? If XXXXXXXX XXXX  has Provided account information since XX/XX/XXXX, I am requesting a copy of the AUD ( Automated Universal Data or AUD, means an automated, online form that Data Furnishers use to transmit interim maintenance requests to update or delete previously reported accounts. An AUD is used by Data Furnishers who send it using e-OSCAR to all of the credit bureaus. ) If XXXX XXXX did not provide the Credit Bureaus with updated information for my account I am asking why not and what is their reporting policy. When accounts are not updated timely this has a negative effect on my credit score by the following : 1. No credit for a monthly payment 2. Provides a stale balance. Otherwise, I am requesting a copy of the AUD XXXX XXXX  provided to the credit bureau 's for XXXX, XXXX and XXXX of XXXX. 
Additionally, Equifax has routinely refused to respond to my complaints or request stating the identifying information I provided " Does not match their records '' which is a deliberate LIE. Meaning Equifax routinely OBSTRUCTS my ability to correct the reporting they provide to lenders. 
Emailing a copy of this complaint to XXXX XXXX XXXX ( CEO ), XXXX, XXXX XXXX Executive Assistant - XXXX XXXX equifax and other board members so they can not make a PLAUSIBLE DENIABILITY claim as 94 % of Americans believe board-members MUST be personally accountable and I have every intention going after them through the legal system.
Consumer complaint received 2022-08-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Chime Financial Inc (CA)

The bank is called Chime, I have a checking account with them, the question is that I carry out a transaction with a person I met on the Internet, request the services of said person, make a payment in which I was never notified that said transactions were carried out. they say that they are not refundable finish the transfer and the person notified me that he did not receive said money that he received an email from chime hey they notified him that she could not use said money because he needed to upload documents anyway I called chime they told me that it was impossible to reimburse and neither she nor I have the money in total it was {$140.00} dollars and the person was upset for not receiving his corresponding payment and I did not receive my service this was on XX/XX/XXXXXXXX XXXX
Consumer complaint received 2022-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (DC)

XXXX and Equifax refuse to unlock my credit and refuse to accept that I am me. So, I have no way to fix this because they won't accept that I am me!!!!!
Consumer complaint received 2022-07-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (NC)

I sent my payment in time but they saying that they didnt receive and I have proof of payment from my bank. 
Have tried to work with them sending proof of payment but they keep on charging me plus late fee every month. 
Got a lawyer but still they refuse to work with me.
Consumer complaint received 2022-11-27
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. (NC)

in accordance with the Fair Credit Reporting act XXXX  XXXX Account number XXXX, XXXX XXXX XXXX Account number XXXX, XXXX  Account number XXXX has violated my rights. 

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
Consumer complaint received 2022-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (RI)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

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 an account without my written instructions.
Consumer complaint received 2022-08-19
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (TX)

THIS BUSINESS HAS BEEN VIOLATING THE FAIR DEBT COLLECTION PRACTICES ACT BY SOLICITING CONTACT INFORMATION AND LOCATIONS FROM FAMILY MEMBERS AND NON-MEMBERS. THIS COMPANY HAS LEFT DETAILED VOICEMAILS PERTAINING TO ACCOUNT INFORMATION WITH OUTSIDE PARTIES CLEARLY VIOLATING THE ( FDCPA ) I HAVE BEEN CONTACTED BY SEVERAL INDIVIDUALS THAT THEY HAVE TRIED TO CONTACT VIA PHONE CALL, LEFT VOICEMAILS, AND SPOKEN TO INDIVIDUALS REGARDING SENSITIVE ACCOUNT INFORMATION AND DEADLINES. I HAVE BEEN SENT CONFIRMATION BY TWO INDIVIDUALS THAT HAVE RECEIVED VOICEMAILS WITHIN THE SAME DAY. I HAVE NOTIFIED THEM VIA CERTIFIED LETTER ASKING THEM TO CEASE AND DESIST THESE PRACTICES IMMEDIATELY AND NOTIFIED THEM THAT THEY ARE IN VIOLATION OF THE FDCPA.
Consumer complaint received 2022-07-27
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Activehours (MA)

I borrowed {$700.00} from Earnin App Loan the agreement is to pay off the debt every bi weekly Friday. They withdraw money from my checking account on Wednesday instead of Friday. Three days before my pay check was deposited in my bank account and they also deduct the debit at midnight before my paycheck was deposited to my bank that caused my checking account to be negative in balance and the bank charges me over draft fees. I am willing to pay back my loan but on the day i get paid not two days prior to my pay day. It was a breach of contract with my agreement with Earnin. They had a class action law suit last year and they lost. They are still doing it again in XXXX. They violated the judgement against them. Please help me? Thank you
Consumer complaint received 2022-08-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc (RI)

I had a lease with XXXX XXXX XXXX. I learned that the building had been water damaged and broke the lease. I subsequently filed a lawsuit to get back my security deposit, at the time the case was adjudicated, XXXX XXXX had made claims of money owed to them. They raised this in court on both hearing days. Ultimately, the case was decided as follows on XX/XX/2022 : The Court Finds in Favor of the Defendant The Defendant does not owe money to the plaintiff on the plaintiff 's claim No money is owed on this claim The defendants had 30 days to appeal the decision. The defendants did not appeal the decision and the decision was not appealed. About two weeks after the decision became final, the defendants contacted a debt collector to pursue collection of the debt they had sought in court. This time, as " XXXX XXXX XXXX  '' which is another entity within the XXXX XXXX XXXX structure and is thus in privity with XXXX XXXX and thus res judicata and claim preclusion apply. 

The case was over the lease, a contract matter. All issues under the lease -- both plaintiff and defendant ( the debt they are trying to collect ) were fully mature before the first hearing on XX/XX/2022. The issue at stake was breach of contract thus both the claim and the issue have been decided.
Consumer complaint received 2022-06-21
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 — Was not notified of investigation status or results
Company: ACIMA CREDIT, LLC (TX)

To whom it may concern, My name is XXXX XXXX and I am writing in regard to my credit report. I reviewed the report and I can tell that there's an error in it. I am paying on time as agreed. These reported late payments are inaccurate. This situation is affecting my credit status that leading to credit denials and higher interest rates. 

ACIMA XXXX XXXX XXXX Account # XXXX Date opened - XX/XX/2017
Consumer complaint received 2022-06-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (NC)

I mailed a check to Barclays to make a payment on my daughters credit card. The check was drawn on my XXXX XXXX investment account. The Check # XXXX was cashed by Barclays on XX/XX/2022 sequence number XXXX. The {$300.00} payment was never applied to her card # XXXX XXXX XXXX XXXX. My daughters name is XXXX XXXX she called Barclays and them emailed them information in mid XXXX. The responded back with an email that said the payment was applied on XX/XX/XXXX. That was a different payment also for {$300.00} that she sent because they notified her that the was delinquent. I as her father have called twice since on XX/XX/XXXX and again today XXXX as well as sent documentation of the cancelled, cleared check. I have been give multiple case numbers and spent hours on the phone trying to fix this for her, she is a XXXX year old college student. Today I was on the phone for 1hr and 13 minutes and talked to four different people, al to get a new case number XXXX. The original check was cashed by Barclays on XX/XX/2022, it has cleared my account but has never been credited against my daughters card. My name is XXXX XXXX and my contact number is XXXX. Please help! XXXX is trying to establish credit, and was enticed into applying for the card with the offer of american airline miles.
Consumer complaint received 2022-04-23
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: DISCOVER BANK (NY)

Two months ago I checked my credit report as I was preparing to shop for a house and realized there were multiple inaccuracies as well as FRAUD associated with my report. Currently, there are FRAUD accounts on my report and one has been placed in collections. The accounts are as followed : Discover Bank, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX  and XXXX XXXX XXXX I never authorized for these accounts to be open nor have I ever opened these accounts myself. All of the accounts stated have been open against my will and need to be deleted immediately as I am a victim of Identity Fraud. I've reached out countless times to XXXX and the banks in question to get this situation resolved and no one seems to be budging. They refuse to delete the accounts in question, they refuse to do there own investigation, and insist I am responsible for the debt when in reality I AM A VICTIM OF IDENITY FRAUD. I've filed an identity theft report and sent it to all banks in question as well as XXXX. They've all been aware of the identity fraud in question. 

The dates and totals of the identity theft are as follows : Discover Bank : Was opened on XX/XX/XXXX with a {$2300.00} credit limit and is currently being shown as a Charge-off. 

XXXX XXXX XXXX : Was opened on XX/XX/XXXX with a {$1100.00} credit limit is a currently closed and 150 days past due. 

XXXX XXXX XXXXXXXX XXXX XXXX Was opened on XX/XX/XXXX with a {$500.00} limit and is currently being shown as a Charge-off with a past due balance of {$720.00}. 

XXXX XXXX : Was currently opened XX/XX/XXXX and is currently being shown as a charge off. The credit limit is not shown on my report. 

As you can see there is clearly a pattern as 3 out of the 4 fraudulent accounts were all opened around the same time in XXXX. ALL OF THESE ACCOUNTS WERE OPENED AGAINST MY WILL AND I AM A VICTIM OF IDENTITY FRAUD. THIS IS NOT MY DEBT!
Consumer complaint received 2022-11-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: A.R.M. Solutions, Inc. (WA)

When I signed up for XXXX XXXX XXXX, I was told explicitly that I was signing up for a 12 month plan only and that my card would only be charged for that amount. I was sent an invoice for an extra month and after a conversation with customer support, it was determined that this was an invalid charge and they refunded this to me. They also sent me an email stating as such. I recently received a letter in the mail for debt collection for this amount.
Consumer complaint received 2022-08-19
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (GA)

On or around XX/XX/XXXX, I reviewed my credit report The Macy 's account was closed on my report. I was concerned because i previously spoke to a representation on XXXX who told me if I made a payment of {$160.00} that my account would not be closed. My report shows on XX/XX/XXXX the account was closed. XX/XX/XXXX, a XXXX called from Macys again threatened me if i do not make a payment by XX/XX/XXXX that y account would be closed. I verified with a credit counselor that the account is in fact. I explained back in XXXX that I was going through a divorce and had an apartment fire in XXXX. I was really hopping that they would have kept my account open since i recently paid off half of my account in XX/XX/XXXX. It's unfortunate that Macy; decided to not help and chose to make it worst.