davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-20
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: CBC Companies, Inc. (TX)

Closed Case : XXXX - I opened a dispute on the above case number for Innovis to provide documentation to validate the information they are reporting on my consumer file. The closed case indicates that XXXX XXXX provided them with a certified copy indicating the debt was valid. I have not received this certified document from XXXX XXXX or Innovis yet Innovis is still reporting this information negatively, despite providing them with statements from XXXX XXXX indicating there was a {$0.00} balance upon the account being closed.
Consumer complaint received 2024-09-20
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: WELLS FARGO & COMPANY (NJ)

The ballance transfer was initiated on XX/XX/10 based on the special offer of {$0.00} fee and 0 % APR for 15 month. 
Today the request was completed with {$130.00} transfer Fee and??.?? % APR. 
The initial offer was removed from web site. 
The WellsFargo representative does not recognizes the XXXX XXXX fee and could not provide the APR for the 15 month.
Consumer complaint received 2024-09-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Block, Inc. (NC)

XX/XX/year>XXXX  : I received a debit card from CashApp for an account that was fraudulently created in my name. 

XX/XX/XXXX : Called CashApp 's customer service line to report this and request that the account be closed. The representative had me submit the pictures of the debit card that was sent to me to confirm the account that needed to be closed. 

XX/XX/XXXX : Received an email to complete a survey from CashApp, rating my experience and if the problem had been solved. At this point I had yet to receive confirmation that the account was closed and marked as fraud. 

XX/XX/XXXX : Called CashApp 's customer service line again, the representative told me that they had no way of confirming an account was closed and suggested that I complete the survey that was sent to me. They never asked me for the account information to look it up even when I offered. 

As another note, my credit has been frozen for years and yet this is the third fraudulent bank account that has been opened in my name.
Consumer complaint received 2018-01-25
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC (CA)

I have not received the proper validation regarding the debt, the collection company, has sent copy.s of collection items that does n't properly confirm the debt in question. I would like them to send me a signed document of debt to properly verify the debt. If not please delete this item from my credit file. They have paid for debt that does n't verify the debt properly. Have them send me a original copy of the debt with my signature to properly verify the debt if not please delete this item from my credit profile.
Consumer complaint received 2019-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

im an id theft victim. 
these items do not belong to me u s bankruptcy court opened XX/XX/2012 XXXX XXXX XXXX {$5300.00} ( XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX  {$2200.00}
Consumer complaint received 2024-09-20
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (LA)

I applied for a credit card with Lowes online on XX/XX/year> and was immediately denied access to my credit. I called Lowes credit customer 's service to request information regarding the denial and was also denied this information over the phone. I was told that I must await the denial letter that would come to me via postal mail and/or email delivery. I asked to speak with the underwriter and was told that they were not able to contact the underwriter and there was no contact telephone number that they could provide for me. Lowes is in violation of my consumer rights to access my unlimited credit according to 15 USC 1611.
Consumer complaint received 2024-09-20
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Skrill USA, Inc. (CA)

I loaded {$6900.00} in funds onto a prepaid card issued by Skrill. When I tried to use it at a grocery store, Skrill denied the transaction and locked my account. When I asked the company for an explanation of why my funds were restricted and when I can use them, Skrill did not reply ; they just indicated in a canned way that the issue was " resolved. '' However, my card is still restricted. Skrill is not letting me use my own money I loaded onto their card! 

XX/XX/year>2024 XXXX Case opened XX/XX/year>2024 XXXX Resolved REPLIES XXXX XXXX XXXX XX/XX/year>2024 XXXX Automatically generated case. 
XXXX XXXX XXXX XX/XX/year>2024 XXXX Hello, is there a new problem with my account, or am I able to use my card now? XXXX XXXX XXXX XXXX XXXX XX/XX/year>2024 XXXX Automatically generated case.
Consumer complaint received 2024-09-20
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MARINER FINANCE, LLC (CA)

Hi, XX/XX/year> I sent a letter to Mariner asking to correct the amount even I offer a settlement of the original balance but they never responded but the account is going up to XXXX XXXX XXXX XXXX XXXX XXXX 
When my balance was {$4600.00} they are requesting $ {$7300.00} back on XX/XX/scrub>XXXX  but today new balance {$7700.00}...
Consumer complaint received 2024-09-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Marlette Funding, LLC (MO)

XX/XX/year> I called and requested my card be cancelled and a new card be sent XX/XX/year> A charge was rightfully declined due to the card being inactive XX/XX/year> The same charge was allowed through even though the card was inactive I called the company and they told me to dispute the charges against the company who charged them. I did and that was declined. Now I want Best Egg to acknowledge that the charge never should have gone through at all.
Consumer complaint received 2024-09-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (DE)

I am being incessantly harassed by Navient regarding my XXXX loan from almost 20 years ago, which was suplosed to be in forebearance and Navient was barred from even servicing. I have repeatedly asked Navient representatives to stop calling me, I emailed Navient and requested in writing that they stop calling me. I even filed a complaint with the BBB and asked quite simply that Navient stop calling me. They are calling me no less than 6 times PER DAY. This would be harassment even without considering that Navient is illegally attempting to collect on a loan they're not even permitted to service. Just yesterday I was in the middle of a job interview and got booted from the call, therefore losing the perspective job due to Navients harassment. Something has got to be done here, no way a major company that has been repeatedly sued for this exact practice is still carrying these practices on, COMPLETELY UNCHECKED!!
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS (IL)

I attempted to place a credit freeze online but was unable to do so. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ) Name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SECURITY FREEZE
Consumer complaint received 2024-09-20
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: HUNTINGTON NATIONAL BANK, THE (MI)

I have a Huntington Voice World Elite credit card. ( master card ). 
Recently I spoke to the CC representative and he has informed me that Huntington has a list of companies that signed up for their forwarding program. So if a consumer cancels a particular card, Huntington will forward your information to automatic withdrawal vendors and automatically keep charging the consumer. 
There is no way for a consumer to opt out of the service. the bank will ( without customer permission ) send the vendor the new card number, and any other credentials necessary to make charges. 
So in essence a individual will have a company follow his new credit card even though he has not agreed to it. 
Any vendor and individual agreement is between them, a bank can not make judgement calls in two party agreements and forward personal information to their preferred vendors. 
Regardless if there is extended contract or month to month agreement. 
I asked to opt out of this service, which Huntington bank advertised as a " convenience '', but was unable to. The only remedy is to find individual charges and dispute them with master card.
Consumer complaint received 2018-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

There are multiple accounts that are listed with XXXX and TransUnion as 'Bad Debt & Placed for Collection & Skip / Settlement /Late Closed/Paid Charge off ' When when the account was paid / legally paid. The balances are reporting correctly with XXXX but not with the other two Credit Files. The Service Lender : XXXX / Department of Education has been a problem to work with to get this resolved. I have since been working with my credit reporting agencies to try and get these accounts resolved. I have faxed over the supplemental information to my credit reporting agencies today but they have been unhelpful.
Consumer complaint received 2018-05-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (MD)

On XX/XX/XXXX, I was a victim of Identity theft. Someone hacked into my American Express account online and removed my bank account information and replaced it with their own. They then pretended to make a {$1500.00} payment on a {$0.00} balance account, knowing that it takes 2-3 days to process, and immediately requested a refund for the full amount from American Express. Amex sent them a {$1500.00} check straight into their bank account. The " payment '' that this person made came back as " non sufficient funds '' and the {$1500.00} that Amex sent him now became a {$1500.00} balance on my Amex account. I contacted Amex as soon as I saw this balance on a credit card that I haven't used in over 3 years. I called them immediately to tell them that this was not me trying to make this payment and the bank account that they sent a {$1500.00} check to was not my bank account. I told them to freeze everything so that this person doesn't have access, but they didn't do what they promised and on XX/XX/XXXX, this person made another " payment '' for {$1300.00} from another bank and immediately asked for a refund to be sent to him. American Express again sent him a check for {$1300.00} and again his payment turned out to be " non sufficient funds ''. After charging me interest fees, returned payment fees, and finance fees. My {$0.00} balance card that I haven't used in over 3 years, has a balance of {$3200.00}. I have called American Express at least once a week for the last 4 months trying to get this off my account and after being transferred from one department to another, and having to explain this nightmare to a different agent every time, for many hours a day ... they haven't done anything to help me. They've told me that they're opening an investigation each time and when I call back to see what the outcome is, they say that no investigation has been open yet. They guaranteed me that they were going to fix this and that my perfect credit score was not going to be ruined. It has now hit my credit score and dropped 64 points overnight due to this delinquent Amex account that they promised that they were going to return back to a {$0.00} balance. This has been a horrible nightmare and American Express has been completely noncompliant in any and all of my complaints. They sent this stranger money without even checking his identity or asking any security questions to make sure that this was me. They didn't notify me when there was suspicious activity on my account. I have still not heard from anyone from Amex regarding this issue.
Consumer complaint received 2018-10-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: NAVY FEDERAL CREDIT UNION (GA)

I have a loan with NAVY FEDERAL CU. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and NAVY FEDERAL CU with no successful resolution. XXXX is the only one reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX / XX/XX/XXXX - XX/XX/XXXX.
Consumer complaint received 2018-05-24
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. (CA)

EXPERIAN : This Credit reporting agency is misreporting information on my credit report. 
They responded with a long drawn out generic answer with no facts and answers that have absolutely no verification or proof that the information is valid. 
When I disputed the item directly with Experian, they did absolutely nothing to verify and prove the information reported by XXXX XXXX XXXX, who then sold it to XXXX XXXX. 

They ( Experian ) state the following : " At your request, we began a reinvestigation of the disputed item, and the data furnisher verified the information to be accurate as reported. 
Although you stated that the loan has since been sold to another creditor who has re-aged the information, we were unable to locate the new creditor on your credit report. '' They claim that the " data furnisher '' verified the information. 
Who is the Data Furnisher?? Why are they not specifying exactly where the data came from and their proof of how they arrived at this information. 
Specify who is the Data Furnisher? Is it XXXX XXXX or XXXX XXXX? 

Secondly, the results they sent on XX/XX/XXXX had no direct proof or information provided that what they are reporting is accurate. They simply stated that they investigated and no changes made. These same type of responses were also provided to CFPB - Consumer Financial Protection Bureau resulting in no compliance in their providing or disclosing where they obtained the information. 

Furthermore, Experian states that " negative information remains 7 years from the date of the original missed payment ''. If that is the case, the date of the original missed payment was back in XX/XX/XXXX. Experian is not verifying the date of the original missed payment, or the date of last payment. That date, XX/XX/XXXX would mean that the item has already been reported for more than 7 years. 
How long does Experian plan on continuing to report this information? That is not disclosed anywhere in their response. IF according to them, it is 7 years from the date of the original missed payment, then this item should have been removed by now.
Consumer complaint received 2018-05-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (PA)

In XX/XX/XXXX, I made a payment by phone to my XXXX Citi Card.  They asked me if I wanted to set up automatic payments. And I repeatedly and emphatically said no because there had been a previous problem where they automatically charged the full amount due rather than the minimum payment and overdrew my bank account. 

This week, even though I had not authorized automatic payments, Citi charged my bank account AGAIN with the full amount due and overdrew my bank account by over {$1000.00}. Thankfully my bank declined Citi 's overcharge due to insufficient funds today, but I was charged a fee for that. 

I called Citi customer service yesterday as soon as I saw the error, and although the representative apologized and tried to refund the overcharged amount, she said it will take 2-3 days to actually reappear in my account. She offered me {$30.00} in rewards points, but that is not a sufficient solution to the problem. I asked her to have a manager listen to the XX/XX/XXXX phone call where I refused automated payments, and she said someone would do that and call me back. It has been over 24 hours and I have not received a callback yet. 

It is unacceptable and should be against the law to charge someone's bank account automatically without their permission, especially in an amount so much higher than the minimum payment due. I also believe it is unfair for me to be subjected to possibly significant financial consequences and hardship due to Citi 's error.
Consumer complaint received 2018-05-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Receivable Management Services LLC (CA)

Receivables Management Services sent me a letter that I owed money and explaining that they were a debt collector. The letter did not provide details of the debt claimed. 
I called around XX/XX/XXXX to inquire about it. I explained that I was never contacted by the creditor. I went online to my account with the creditor and confirmed no debt was shown. 
I called the creditor and was confirmed there was no debt. 
RMS called me on XX/XX/XXXX about the debt and I explained that XXXX confirmed on XX/XX/XXXX that there was no debt. 
I received no further communication after this. 
Today, XX/XX/XXXX I talked to XXXX at RMS and her supervisor XXXX XXXX and they confirmed that the case has been closed and there is no debt to collect. However, they denied a written confirmation of this. 
If the original communication of a debt came from RMS I expect a letter from same sender explaining the status of the case, especially when the creditor never tried to claim a debt in the first place. 
After 15 minutes on the phone they still denied giving me a written confirmation for my records stating what they were saying " case closed, we no longer have a debt to collect ''.
Consumer complaint received 2018-05-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: OLD NATIONAL BANCORP (MI)

On XX/XX/XXXX I opened up a checking account with old national bank under a promotion stating '' 1Offer is non-transferable and is not available for XXXX XXXX XXXX. MAILER OR EMAIL WITH OFFER MUST BE PRESENTED AT ACCOUNT OPENING TO RECEIVE THE BONUS. To receive the bonus if opening checking account online, the account must be opened using the XXXX link. Account must be opened by XX/XX/XXXX. {$50.00} minimum deposit required to open all accounts. {$200.00} bonus will be deposited into the checking account after automatic direct deposits totaling {$500.00} or more AND 10 Old National debit card transactions ( ATM withdrawals are not eligible ) are received within 75 days of account opening. Account must be open and in good standing at the time the incentive is paid. Bonus valid for ONB Everyday, ONB Preferred and ONB Classic. ONB Preferred and ONB Classic earn .01 % Annual Percentage Yield ( APY ), accurate as of XX/XX/XXXX, and may change after account is opened. Additionally, fees may reduce earnings on the account. Not valid with any other Old NationaXXXX offer. '' I met all of the terms completing a direct deposit on XX/XX/XXXX and completing 10 debit card transactions on XX/XX/XXXX. I followed up with the bank on 3 separate occasions via phone calls and I still they still have not honored the terms of the promotion.
Consumer complaint received 2018-05-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

On XX/XX/18 I submitted a request to both transuion and XXXX XXXX XXXX regarding an account reported by transuion. I submitted a request asking for validation of XXXX account being reported in the amount of {$1100.00}. I have not received a response from either transuion or XXXX XXXX XXXX. Under the fair credit reporting act I have the right to have this inaccurate information removed after 30 days of not receiving adequate validation of this account in question. I have disputed this account in question four times with Transunion and have not gotten any sort of validation whatsoever. I do not owe XXXX XXXX XXXX any money at all. I have never signed a contract with them nor have I done any type of business with them. the account in question is not accuretly being reported by TransUnion. 90 days of waiting for validation of this account in question I am requesting that this inaccurate information no longer report on my credit file.