davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS) (MI)

I am a victim of XXXX XXXX and there is adverse information reporting on my ChexSystem report as a result. I have tried to dispute this information online but each time I am met with an error message stating that the request can not be completed due to a technical issue in the companys system. The following information is a result of XXXX XXXX  and should be deleted immediately. 
XXXX XXXX Date of Closure : XX/XX/XXXX XXXX/ACCT # : XXXX / XXXX Original Charge Off Amount : {$4600.00} Closure Status : UNPAID Closure Status Date : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Closure : XX/XX/XXXX RTN/ACCT # : XXXX / XXXX Original Charge Off Amount : {$160.00} Closure Status : UNPAID Closure Status Date : XX/XX/XXXX XXXX XXXX  Date of Closure : XX/XX/XXXX RTN/ACCT # : XXXX / XXXX Closure Status : UNPAID Closure Status Date : XX/XX/XXXX INQUIRIES : XXXX XXXX XXXX XXXX Inquiry Date XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XX/XX/XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX XXXX On Behalf Of : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX On Behalf Of : XXXX XXXX XXXX XXXX Inquiry Date XXXX XX/XX/XXXX XXXX XXXX A PART OF XXXX On Behalf Of : XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX On Behalf Of : XXXX XXXX XXXX XXXX Inquiry Date XXXX XX/XX/XXXX XXXX XXXX A PART OF XXXX On Behalf Of : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX XXXX A PART OF XXXX On Behalf Of : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX A PART OF XXXX On Behalf Of : XXXX XXXX  Inquiry XXXX : XX/XX/XXXX XXXX XXXX A PART OF XXXX On Behalf Of : XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX A PART OF XXXX On XXXX Of : XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Behalf Of : XXXX Inquiry Date : XX/XX/XXXX
Consumer complaint received 2024-04-18
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc. (NC)

Student loans were transferred from Nelnet to XXXX as of XX/XX/XXXX. Both companies display on my credit report with outstanding balances. Nelnet balances have not been updated to show {$0.00} balances. Therefore according to my credit report I owe XXXX  the amount I actually owe. I filed a dispute with Nelnet on XXXX XXXX and they failed to update the balances. I filed a dispute again on XX/XX/XXXX and they failed to update the balances. I contacted Nelnet by phone on XXXX XXXX and they confirmed my accounts had {$0.00} balances as they were transferred to XXXX in XX/XX/XXXX. They said however, it was XXXX  responsibility to report to the credit bureau that they purchased the loans from Nelnet and that would in turn zero the balance out. Nelnet suggested I reach out to XXXX. I contacted XXXX by phone on XX/XX/XXXX and was informed they would initiate a dispute on my behalf to assist as Nelnet should report updated balances and account status to the credit bureau. They also suggested I file this complaint as this was not the XXXX  time theyve received notification of XXXX failure to accurately report balances.
Consumer complaint received 2024-02-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (CA)

I opened a citi checking account in last year over phone after seeing an sign-up bonus for their checking account of XXXX dollars if I were to deposit {$10000.00} dollars within first 30 days and hold it in the account for the next 60 days. After I fulfilled the condition ( putting in {$10000.00} dollars and holding it in my account for more than 60 days after the first 30 days, I called Citi asking if the condition has indeed been fulfilled. The rep answered in the affirmative and that I can withdraw the cash now the condition has been fulfilled, he explained that I am not seeing the sign up bonus probably due to the fact that I perhaps have a missing form ( I can not recall what form it is ) and that I will be sent it through mail. It has been more than 2 months after that interaction and I still have not received my XXXX dollars of sign up bonus, nor have I received the form. And Citi has removed mentions of the sign up bonus from its website.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc. (TX)

I am writing to file a formal dispute regarding the unauthorized reporting of my educational record by Nelnet to consumer reporting agencies ( CRAs ) XXXX, XXXX, and XXXX. I am deeply concerned about the violation of my privacy rights and the lack of proper authorization for Nelnet to disclose my personal information to these agencies. 

On XX/XX/year>, I previously lodged a complaint with the Consumer Financial Protection Bureau ( CFPB ) concerning Nelnet 's unauthorized reporting. Despite my efforts to rectify this issue, Nelnet continues to report my educational record without my consent. I reiterate that I have never provided written permission to Nelnet to report my information to any CRAs. 

Furthermore, I wish to highlight that there is no valid promissory note or negotiable instrument establishing any debt owed to Nelnet. The alleged promissory note provided by Nelnet contains inaccuracies, including a phone number that does not correspond to mine, indicating that it is fabricated. I maintain that I have not entered into any contractual agreement with Nelnet, nor have I provided authorization for them to report my personal information to CRAs.

Under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681b ( 2 ), any disclosure of consumer information to CRAs requires explicit written permission. I demand that Nelnet provide documented evidence demonstrating that I have granted them such permission. Failure to produce such evidence will be considered a violation of federal law.

Moreover, I draw attention to the provisions of 15 USC 6801, which stipulate that my personal information must be kept confidential, protected from unauthorized access, and maintained as private. Nelnet 's actions in disclosing my educational record to CRAs without my consent represent a clear violation of this statute.

Furthermore, I am prepared to take legal action against Nelnet for their fraudulent activities, including the forging of promissory notes and the unauthorized reporting of my personal information. I have already initiated legal proceedings against Nelnet for violations of 8 USC 1324c, and I will not hesitate to include the CRAs as co-defendants in any legal action if they continue to facilitate Nelnet 's unlawful practices.

In light of the seriousness of these violations, I request prompt intervention by the CFPB to ensure that Nelnet ceases its unauthorized reporting and that all erroneous entries related to my educational record are promptly removed from my credit reports.

I appreciate your attention to this matter and look forward to a swift resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-04-11
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with renewal
Company: GREENSTATE CREDIT UNION (MN)

On XX/XX/2024 I received a mail notice that a $ XXXX XXXXmonth CD held at Greenstate Credit Union had come to maturity a few weeks before, and had been automatically renewed into a longer tier, lower rate CD. Per the CD contract we should have received, via mail, a maturity notice -- as we have in the past with other CDs with the institution. Attempts to discuss with Greenstate over their member secure chat, over the phone, and finally over email with their Member Assistance Center Service Supervisor all lead to them saying that they mailed a notice to us, and since we did not respond within 10 days of maturity they rolled our account over ( per contract ) and it would be an on the order of {$400.00} penalty to regain access to these funds ( in their stance, " break '' the new CD ). We did not receive the maturity notice, and Greenstate can not provide any evidence of delivery of the notice beyond stating the USPS indicating it reached to within our zip code. They indicated an email was also sent ; however, in reviewing retrospectively there was not indication of relevance to the CD, and likewise this is not listed as a contact mechanism in the CD agreement itself. Thus, we are now faced with having a sizable holding locked in an account with a rate or term we would never have considered, or having to pay a penalty to regain access to our funds.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: NCB Management Services Inc. (SC)

I have informed ncb management services. The {$3400.00} account is not mine. I have informed XXXX XXXX the {$460.00} account is not mine. The account with XXXX XXXX XXXX is not mine. I have informed them multiple times a family member used my information to open multiple accounts. I did not find out they used my information until they were no longer living in my home and I have not been able to locate them.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Subject : Adverse Action Notice Regarding Violation of Consumer Rights by Capital One XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Capital One Dear Sir/Madam, I am writing to express my deep concern and disappointment regarding the recent denial of my credit application by Capital One. It has come to my attention that my fundamental rights as a consumer have been egregiously violated, depriving me of the God-given right to credit and undermining my ability to assertively manage my financial affairs. 

As a diligent consumer, I submitted my credit application with the expectation that it would be evaluated fairly and objectively, in accordance with applicable laws and regulations. However, the denial of my application without just cause represents a clear violation of my rights under the Equal Credit Opportunity Act ( ECOA ) and the Fair Credit Reporting Act ( FCRA ). 

The denial of credit not only impacts my financial well-being but also undermines my autonomy and dignity as an individual. It is my firm belief that every individual has the right to access credit on fair and equitable terms, without discrimination or bias. 

Furthermore, the denial of credit by Capital One represents a failure to uphold its responsibilities as a financial institution to serve the needs of its customers and support their financial goals. This action not only harms me personally but also reflects poorly on the reputation and integrity of Capital One as a trusted provider of financial services. 

I demand an immediate review of my credit application and a reconsideration of your decision in light of the violations outlined above. Additionally, I expect Capital One to take corrective action to ensure that such discriminatory practices are not repeated in the future and that all consumers are treated with the respect and fairness they deserve. 

Failure to address these concerns adequately will leave me with no choice but to escalate this matter to the relevant regulatory authorities and pursue all available legal remedies to seek redress for the harm caused by Capital One 's actions. 

I trust that Capital One will act swiftly and decisively to rectify this situation and restore my faith in your institution as a responsible and ethical provider of financial services.
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Im sending this complaitns to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to delete these items listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX Balance Owed : {$0.00XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX Owed : {$0.00} XXXX  XXXX Bankruptcy XXXX Date Filed/Reported XX/XX/XXXX XXXX  XXXX Bankruptcy XXXX Date Filed/Reported XX/XX/XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Bankruptcy XXXX Date Filed/Reported XX/XX/XXXX Chapter XXXX Bankruptcy XXXX Date Filed/Reported XX/XX/XXXX XXXX XXXX XX/XX/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 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 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
Consumer complaint received 2024-04-12
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: AMERICAN EXPRESS COMPANY (CO)

I am having difficulties trying to receive a payment program from American Express with my XXXX American Express card, the amount is around {$2000.00}. I have been reaching out to them for their flexible enrollment plan since XX/XX/2024 for about five different occasions now. I have 11 days left until it will go into collections or reported. I am being told the payment program is not available at this moment and to keep checking back. They asked me to update my annual income because it would help my case. I am on a fixed income from XXXX permanently and I told them this. I changed my annual income, but I am still without assistance from this bank. I feel discriminated against because of my other banks I do business with gave me a hardship program the very same day when I asked them for help. I have been a loyal customer for several years, and I was never late on a payment up until now. As a loyal customer, I should be enrolled for help. It shouldn't be this difficult to receive a payment program they themselves can offer me. I don't want to do business with this bank ever again because they gate keep this payment plan like they need to take as much money from its customers even if they will put their customers in a bind and hurt their credit tremendously, {$2000.00} isn't that much to help me out with. I know they can help, but they refuse to help every time I have reached out with details noted for them to weigh knowing my situation. I will not use American Express in the future or will not recommend to friends and family
Consumer complaint received 2024-04-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. ()

I have a checking account with Chase Bank This has all been happening over the last couple of months - XXXX XXXX, it is going around in circles. 
( XXXX ) I successfully link an USD account held by me ( XXXX XXXX  ) with Chase. This is done by Chase sending two small amounts to the XXXX account, then I verify these amounts with Chase and the XXXX account is then linked with Chase. 
( XXXX ) I then initiate a transfer to the XXXX account from Chase, then Chase locks my account with them, and they remove the linked XXXX account. They say they do this because the activity is suspicious. 
( XXXX ) This was done twice, and the same thing happened each time. 
( XXXX ) I called Chase on each occasion and they were able to unlock the account. The first time they basically said that it should work fine just try it again. The second time, I got a different story : I was now told that first I would need to do a transfer from XXXX to Chase ( the opposite direction ) and then all would be OK, the account would be properly verified. 
( XXXX ) So I went through the procedure again ( now the third time ), i.e. linked the account as above, then did a small transfer from XXXX to Chase twice. All this worked. 
( XXXX ) I then initiated the transfer from Chase to XXXX, and the again the account was locked due to suspicious activity. The transfer has not appeared in XXXX.
Consumer complaint received 2024-04-10
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE (VA)

I went for a vacation to XXXX and they dilute me to say to come to hear about some membership. It sounded great but next thing I know they make me sign a credit card without my knowledge, and when I call within the time of cancellation, which was five days they did not. They prolonged they said that they supervisor was going to call me and nobody called me. They said that I called after, but I can not prove because I did call. 
As soon as I called to get informed about the membership, they told me that do not tell From the truth that theyre the ones they actually explain at that point I was very frustrated and I told him I need to cancel. They said that someone was gon na call me, but they did not call me and they use that against me because that past the time.
Consumer complaint received 2024-04-10
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: Synovus Bank (MD)

I had a credit card account with First Progress credit card for XXXX . Innacurate charges were made on the account on several occasions due to the fault of the credit agency and my card being stolen. I rarely use the card as the limit is small and it was only held open to keep credit utilization low. The credit card was stolen along with my wallet and I informed First Progress of this and all charges made in XXXX  where fraudulent as I had made none. An investigation was started and I was reimbursed a portion of the balance but was told the other charges are verified to be mine because they occurred within XXXX miles of my residence. I live in the small city of XXXX and found that to be and unfair amd inaccurate measure because I did not make the charges. There were XXXX  charges of whom they would not tell me the name of the user. There were charges to bars and a pharmacy. Non of these were made by myself. The charges all occurred in XXXX  day span and the card was overdrawn amd then late and overdraft fees were added to the account. I really take issue on how XXXX charge was reimbusred for being proven not mine but the other charges that occured in a very close time frame are veried wronlgfully as mine. The account was always kept at a balance of 0 % by myself so it was a shock go log into the account and see a balance of XXXX XXXX for an account I do not use. This was the second time I had to file a of charges with first progress as this happened also in XXXX but judgement was awarded to my favor. They have shown a pattern of ease in allowing unauthorized transactions occur on there customers account. And this account has since been sent to collections in a charge off hindering my buying power amd having adverse effects to my credit. I make all my payments on time via all accounts but First Progress had given me real issue.
Consumer complaint received 2024-04-10
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Two credit cards from Bank of America were under a debt management plan and paid both off through the debt collection firm and posted to the BofA credit card accounts on XX/XX/XXXX. 

Once the total was paid off through the debt management company, I checked the BofA app and still saw a balance on one card for {$88.00} ( rewards card ) and $ XXXX ( travel card ) on another. I called BofA on the XXXX of XXXX and asked if the balance could be adjusted on both cards on their end and return the {$44.00} that was owed to me so i the accounts can be closed off. I was told they can not adjust on their side and i had to pay the {$88.00} on the rewards card account and the XXXX i was owed on the travel card account would be sent in the form of a check soon. So i paid the {$88.00} over the phone while still talking to the BofA representative to ensure i did not owe any balance on the rewards account and this brought the balance to $ XXXX on this account. 

I was expecting 2 checks for the excessive balance i paid on both accounts for XXXX and XXXX respectively but now almost 3 weeks later, i was charged an interest of {$26.00} on the rewards card account. When i called BofA, i was told they will deposit the {$130.00} that is owed to me from the travel card account to my checking account in a few days but they can not do anything about my rewards card account since the interest was based on the balance. When i mentioned the balance was XXXX as of the closing date XX/XX/XXXX, how can i be charged an interest on XXXX, i was told it was due to a balance of approx {$8000.00} which i do not see any where in the statement balance on the accounts. I was told when i called customer service on XX/XX/XXXX, the rep did not give me full details on this interest and hence i was charged a month later which does not make sense given i had a negative balance so how can interest be charged? This seems like hidden fraud charges that was not told to be before nor reflected on my account and now I'm being bullied into paying something i am owed instead of the bank closing my account.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CBC Companies, Inc. (CA)

According to 12 CFR 1006.34 ( b ) ( XXXX ), collection agencies are required to provide validation information upon request. If they havent done so, you can use this as a basis to challenge the validity of the collection. 

12 CFR 1006.34 ( c ) ( XXXX ) ( i ) outlines the dispute process, which should be provided to you before any negative information is reported to consumer reporting agencies. If this process wasnt followed, it strengthens your position in disputing the account.
Consumer complaint received 2024-04-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (MA)

I purchased travel in a certain travel class with advertised services, and the merchant, XXXX XXXX failed to provide the services. Apple Card initiated a dispute, found in favor of the merchant with no evidence to substantiate that they defrauded me in the purchase. I have contacted Apple Card support on at least 4 occasions, each time being promised that a provisional credit would be placed on my account and I would receive an email to which I could provide my evidence and counterclaim. This never happens, the agents log off - telling me the credit is coming, it never comes - and neither does an email for me to provide my side of the case. I am now being charged interest on this fraudulent transaction.