davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

XX/XX/XXXX or XX/XX/XXXX I had an emergency and needed a cash advance. Wrong PIN number or what have you. I called Capital One and got a customer service rep I could not understand to begin with. Was in a rush and we didnt agree on the small. XX/XX/XXXX I get a letter in the mail BOTH my accounts ending in XXXX and XXXX were closed without reason I ve made payments on time and much more then minimum on my mail statements. Neither card shows up in my overall XXXX  XXXX  accounts might I add other then closed. Today m going through my junk email I see I missed a payment for account ending in XXXX. So I walked and immediately paid it off, XXXX balance. I ask about my other account and all of a sudden phone communications go down. Static, they cant locate my XXXX account. I immediately tell them that yall have nothing on me, both my accounts have been closed so attempting to threaten me again isnt an option. Im trying to pay this off here and now. Im redirected. Female cant locate my XXXX account but see I just literally paid off my XXXX account. Long story short I cant get a pay off amount and she starts going in and out of service. I have XXXX, XXXX, XXXX to name a few and never had an issues like this the past year or EVER!
Consumer complaint received 2021-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NJ)

On credit report it shows that the company put a negative mark saying that there was no payment for XX/XX/2021. Which is now resulting in a lower credit score. Did pay that month. Have letter from company that they did receive the payment.
Consumer complaint received 2021-11-02
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: Paypal Holdings, Inc (CA)

I had an account which PayPal said I owed XXXX dollars, I did not. I lost money on the account and they had owed me. Then, after the initial XXXX dollars was disputed PayPal made a hard inquiry on my account without my knowledge, which is illegal. Next they said they sold the account to XXXX XXXX XXXX who can not be reached. PayPal would not offer details when asked when the account was sold as I have dates on my report which I could use to determine who did the hard inquiry. I dont even know if XXXX XXXX XXXX XXXX a real legitimate company as they can not be reached. 

The hard inquiry needs to be removed. I have already contacted both mentioned companies and contacted my credit check agency as well. PayPal needs to be held accountable for the money they steal from clients and small and large businesses alike. 

PayPal even erased my transaction history, to hide their tracks.
Consumer complaint received 2021-11-02
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (KY)

We are not struggling to pay our mortgage, per se. Rather, we are ready to start making our Regular monthly payments. I have a USDA LOAN. On XX/XX/XXXX I entered into a forbearance plan. I was told at that time, when the forbearance was over I could resume making regular monthly payments and defer the forbearance amount to the end of my loan. The USDA guidelines for Forbearance under the CARES ACT states the same. I do not have to pay a lump sum at the end of the Forbearance. I called Freedom Mortgage as my Forbearance ends on XX/XX/XXXX. I stated I wanted to resume making my regular payment and defer the Forbearance amount to the end of the loan. They said I have to go thru Loss Mitigation steps and reapply for a XXXX XXXX. This is NOT what I was told and the USDA guaranteed loan website states the same thing I was told at the beginning of my Forbearance by Freedom Mortgage ( XXXX ) I just received paperwork to " apply '' for a Hardship Loan when I already have an USDA Loan. My USDA loan should go back into effect and the payments deferred to the end as I was told by Freedom Mortgage and as the USDA.gov website specifies.
Consumer complaint received 2021-09-15
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: Experian Information Solutions Inc. (TX)

During the end of XXXX due to a Tropical Storm, a declared disaster, and most of XXXX due to Covid 19 affecting my business I had difficulty making payments on this account. However, I do believe that some months that reflected as not paid were paid. 
I called XXXX XXXX  XXXX in XXXX and worked directly with them to pay the account and stated that I did not want this account to reflect as a charge off and would be willing to pay full amount with no discount provided that the account would not be closed reflecting a charge off status. I believe that the rep may have offered a small credit but it was agreed explicitly that once paid the account be marked paid in full and not be a charge off. 
After full payment-my report now shows " charge off " for every month from XX/XX/XXXX to XX/XX/XXXX. When I paid them the full balance ( possibly less a small credit ) it was agreed that this account would reflect paid in full and WOULD NOT be a charge off. 
I now have a monumental impact to my credit by having 12 charge off indicators on my report after I held up my end of the bargain and paid more then their offer of settlement in order to prevent this and make good on my obligations. 
I have disputed with XXXX XXXX  XXXX and the credit bureaus mainly Experian with no success in resolving this issue.
Consumer complaint received 2021-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

There are items that should not be on my Experian consumer report. There are items that are inconsistent when I compare to my XXXX and Experian reports. I never gave Experian expressed written consent to report any items on my report. I have disputed items for over a year. They keep closing my disputes as verified. I have yet to receive any verification. Although Experian has removed items from my report in the past, they have yet to compensate me for their mistakes. It's exhausting and has damaged my reputation and caused me to not be approved for life sustaining necessities.
Consumer complaint received 2021-11-03
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: NAVY FEDERAL CREDIT UNION (GA)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX Credit Bureau isreporting inaccurate information on NFCU XXXX XXXX Balance {$0.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2021-11-03
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Stern Recovery Services, Inc. (NC)

XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX RE : Intent to file a lawsuit, HIPPA Privacy Violation Validation Letter sent to XXXX XXXX XXXX/STERN RECOVERY SERVC To Whom It May Concern : Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violates my rights according to HIPPA. 

XXXX XXXX XXXX/STERN RECOVERY SERVC did NOT provide me a HIPPA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against the above-named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file a suit against the credit bureau responsible for reporting this violation. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage response from you expeditiously.
Consumer complaint received 2021-11-03
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: BOK FINANCIAL CORP (AZ)

My husband has a XXXX ( k ) with BOK Financial and passed away in XXXX of 2021. I am attempting to rollover the XXXX ( k ) into an IRA in my name as I need this money to live on. 

On XX/XX/2021 I submitted a Surviving Spouse/Beneficiary Application for Death Benefits along with a death certificate. I was subsequently informed that my grantor trust, of which I am the sole trustee, was named as the primary beneficiary on the account. This is a revocable trust that reports under my social security number. I sent a copy of the trust to BOK Financial and received a letter dated XX/XX/XXXX ( attached ) that denied my request to rollover the XXXX ( k ) as the trust was listed as the beneficiary. I consulted with my estate attorney and contacted BOK Financial on XX/XX/2021 and posed the below questions as advised by my attorney. Please keep in mind that I am the sole trustee of the trust that is listed as primary beneficiary on the XXXX ( k ) : " Do you have a spousal waiver form on file allowing the trust to be the primary beneficiary? If not, under XXXX, the trust can not be the primary beneficiary over me, his wife, in Arizona which is a community property state. ( this was not answered ) Am I individually listed as the contingent beneficiary? If this is the case I would like to begin the process to have the trust, which is effectively me, disclaim its position making me the primary beneficiary ( this was not answered ) The IRS has issued numerous private letter rulings where they allow a spouse to withdraw assets from the trust. Where can I have my attorney forward one of these letters requesting that you allow me to control the XXXX ( k ) and effectuate a rollover, sometimes thought of as an indirect spousal rollover? ( this was not answered ) I was told by the representative that I spoke with that they have met their obligation and will not provide me with any answers. The tax consequences of distributing the XXXX ( k ) as oppose to rolling it over will be devastating to my retirement.
Consumer complaint received 2021-11-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (CA)

On XX/XX/2021, as I was purchasing an airline ticket on XXXX, a credit card offer from American Express popped up. The offer indicated I would receive a total of XXXX air miles if I spent {$2000.00} and another XXXX miles with any XXXX purchase. I was unable to respond to the pop up offer and apply online as I do not have a proper house street number. We have XXXX XXXX XXXX here in the city of XXXX, CA. ( I had to purchase the airline ticket with a Visa credit card since I did not yet have the AMEX card ) After purchasing the airline ticket, I called the AMEX new credit card offer phone number and did the application with a very helpful AMEX representative. He completed the application and upon instant approval, read me a required credit card statement / agreement. He said that it would take a week to receive the card ( XX/XX/XXXX ) which it did. He also thoroughly reviewed all the welcome benefits including the XXXX miles and indicated it would take a statement or two to post after spending {$2000.00}. He was very helpful and even suggested that I make a simple onboard purchase to complete the XXXX purchase for the XXXX miles. He also saw that on my account that I had a very, very old AMEX cash card and updated that to their new cash card. ( more proof that I did all of this over the phone and not online ). 

On XX/XX/XXXX, I completed the {$2000.00} spending requirement and on XX/XX/XXXX, the XXXX purchase, both within the requisite time period. I waited for the milage credit to post for two statement periods which never happened so I called AMEX requesting the proper milage credit. 

The AMEX representatives supervisor told me that when I applied online at XXXX a pop up told me that I did not qualify for the welcome offer. I told her that would have been impossible since I had applied live over the phone directly with an AMEX representative and at that time was given in great details my welcome offer including the spending and milage credits. Her response was Oh that is different and I was given a XXXX XXXX which is XXXX. She said they would investigate and respond by XX/XX/XXXX. 

I received no written or phone call response from AMEX, so on XX/XX/XXXX I called them a second time. After relaying the details of my previous contact / conversation with AMEX, an AMEX representative supervisor told me again that it be investigated and resolved within two weeks. I clarified that the Case Number would be the same number. As of today, Tuesday, XX/XX/XXXX, they have neither contacted me as promised nor posted the XXXX + XXXX miles to my account. 

I would like for American Express to honor their advertised and accepted Welcome Offer to me and post the XXXX XXXX XXXX as promised since I had fulfilled all the spending requirements in the time allotted. The American Express XXXX XXXX XXXX Number is XXXX.
Consumer complaint received 2021-11-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

XX/XX/XXXX - Reviewed credit report on XXXX, XXXX and XXXX and noticed Collections Account entry from Columbia Debt Recovery LLC dba Genesis for amount owed of {$1000.00} XX/XX/XXXX - Initiate dispute via XXXX, XXXX and XXXX and requested for debt validation letter from Columbia Debt Recovery LLC dba Genesis XX/XX/XXXX - Received mail with letter dated XX/XX/XXXX from Columbia Debt Recovery LLC dba Genesis with validation of debt documents for debt with original creditor, XXXX XXXX XX/XX/XXXX through XX/XX/XXXX - Reviewed documents provided and established that debt was not mine for the following reasons 1. XXXX XXXX document provided as part of debt validation was from calendar year XXXX whereas debt owed was from calendar year XXXX 2. Debt owed to XXXX XXXX was indicated to be in XX/XX/XXXX whereas lease agreement with XXXX XXXX had terminated in XXXX/XXXX with all no dues pending Available evidence in my possession includes the following 1. Signed XXXX XXXX document for XXXX with XXXX  XXXX indicating leasing period from XX/XX/XXXX through XX/XX/XXXX 2. XXXX XXXX statement for XX/XX/XXXX indicating my payment of {$1700.00} as full final payment of all dues for XXXX lease term of XX/XX/XXXX through XX/XX/XXXX XX/XX/XXXX - Initiated dispute of Collection Account entry in XXXX credit report via XXXX website and uploaded evidence documents as described above XX/XX/XXXX - Initiated dispute of Collection Account entry in XXXX credit report via XXXX website and uploaded evidence documents as described above XX/XX/XXXX - Initiated dispute of Collection Account entry in XXXX credit report via XXXX website and uploaded evidence documents as described above XX/XX/XXXX - Sent a " Direct Dispute '' letter via certified mail to Columbia Debt Recovery LLC dba Genesis with complete details of erroneous entry in credit report along with evidence documentation as described above XX/XX/XXXX - Received results of dispute from XXXX indicating that " Item has been reported correctly '' I am yet to receive any communication from Columbia Debt Recovery LLC dba Genesis regarding the " direct dispute '' that I sent on XX/XX/XXXX I have provide concrete evidence to show that the debt is not mine and the entry in the credit report is incorrect. I am filing this complaint to ensure that the entry is removed from my credit reports.
Consumer complaint received 2021-11-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (NV)

Not sure why I am having to continuously deal with the fraudulent account and debt form Southwest Credit in XXXX, XXXX XXXX in XXXX, XXXX XXXX in XXXX and Southwest Credit again in XXXX. I have previously provided information to all of the Debt collectors that this account is not mine. I have received correspondence from Company Southwest Credit and contacted them today and they swear that this is the first time that they have ever contacted me??? I informed the Southwest Credit representative that she was not being honest and and that I had previous correspondence in a file. I informed the representative that this account was not mine the result of Identify Theft ( probably from XXXX breach ), which I have been dealing with over the last 2 years, with several accounts opened fraudulently in my name- XXXX XXXX. She became vile and threatened to report this fraudulent debt to the credit bureaus and " destroy my credit ''. Is this even legal?? I am mad right and I am fighting back! 

I say again and will continue to ask that this account be validated, via a signature page and provided to me at my home address. 
I am attaching the previous letter from XXXX XXXX, stating that they were not able to validate the debt and that they would remove this fraudulent account from all credit bureau 's. I want a similar removal letter from South and verification in writing that this fraudulent account will not be reported to the three major credit bureau 's by them and if they have already reported, I want a similar removal letter sent to me within 15 days. If Southwest Group can not validate via a signature page I want this fraudulent account removed and I never want to have to deal with them again. If necessary, I will seek legal council. This account is not mine and was opened in my name fraudulently.
Consumer complaint received 2021-11-03
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: Experian Information Solutions Inc. (GA)

I have been disputing since XX/XX/XXXX. I sent dispute letters on XX/XX/XXXX as well. I have not received anything from XXXX, Experian, nor XXXX. They have inaccurate information on my credit report. XXXX, XXXX, and Experian are also violating my rights under FCRA and not in compliance with the laws. 

The list of accounts that I have not received results from my investigation since XX/XX/XXXX. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2021-11-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have been disputing since XX/XX/XXXX. I sent dispute letters on XX/XX/XXXX as well. I have not received anything from XXXX, XXXX, nor Transunion. They have inaccurate information on my credit report. XXXX, Transunion, and XXXX are also violating my rights under FCRA and not in compliance with the laws. 

The list of accounts that I have not received results from my investigation since XX/XX/XXXX. 
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (GA)

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The particular account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX and XXXX Bureausbut they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Below are the accounts that are reporting on my Credit Reports : 1. MIDLAND FUNDING XXXXX Opened XXXX XXXX, 2016 Balance {$2400.00} ; 2. MIDLAND FUNDING XXXX Opened XXXX. XXXX, 2016 Balance {$1500.00} ;
Consumer complaint received 2021-11-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (PA)

XX/XX/2021 Companies involved : First National Bank /FNB XXXXrom Pa. & XXXX XXXX. 

[ Earlier that day ] I tried making my auto loan payment over the phone to XXXX XXXX, Im unemployed so I tried using my unemployment debt card.XXXX XXXX declined the transaction. So I drove to FNB ATM to transfer money. 

I bank at First national Bank I stopped at there ATM at the XXXX  pa branch. I withdrew {$500.00} from my unemployment debt card. Still at the same ATM I took my XXXX  XXXX debt card and proceeded to make a deposit with the money that I just pulled out. The machine gave me my receipt on the bottom on the receipt it reads this transaction can not be permitted at this ATM. The funds never made it to my account. I went into the bank the next business day. The manager said that they can not depute this because I used a XXXX XXXX debt card, I have to call XXXX XXXX. XXXX  XXXX manager says its not there ATM this is FNB Responsibility. Ive spoken to both companies twice and neither want to look into where my {$500.00} dollars ended up.
Consumer complaint received 2023-11-30
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: Experian Information Solutions Inc. (MD)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2022-02-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

On XX/XX/2022, I applied for an increase of credit limit with Capital One, for my Capital One Platinum Credit Card. On XX/XX/2022, my request was denied.