davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (FL)

The company in question is XXXX, owned by PayPal. 

On XX/XX/2018, at appoximately XXXX XXXX, I was notified my XXXX  account had received {$1700.00} from friend of mine. I immediately initiated the funds transfer ( using XXXX mobile app ) to my credit union account. Per the XXXX  website, funds are usually available the next busness day. It is now a business day and a half later and I STILL have not received my money. I called XXXX  and they informed me sometimes these transactions can take 3 ( or more ) business days. What? Why the delay? This is unaccepatble, given that I had completed an almost identical transation ( same individual, same accounts, same days ) like this last month and it took 1 day. There is no rhyme or reason why this transaction should take longer than that one did, other than I believe XXXX  is " holding my money hostage '' to earn interest from it. They pull this same kind of stunt at PayPal and I have to wonder why PayPal ( who owns XXXX ) hides under the XXXX name when the two companies provide like services.
Consumer complaint received 2022-12-07
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. (PA)

To whom this may concern, After reviewing my credit reports I noticed that you are alleging that the following accounts are negative without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse remarks. 

XXXX Card- Account Number XXXXXXXX XXXX XXXXXXXX As XXXX know it is against the law to report any information not proven accurate I demand that you provide me with concrete evidence of my obligation to said accounts. 

Please be aware that all negative remarks found on my credit report is a violation of the FCRA and FDCPA when you can not furnish the validity of the remark. 

I am not in dispute of the ownership of the account but if you are unable to to provide the full reports of how you validated, verified, and how you are in compliance then you must remove the account from my credit report. 


Best Regards, XXXX : XXXX XXXX XXXX XXXX Prejudice, All Natural Inalienable Rights Reserved
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.
Consumer complaint received 2022-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The status of these accounts reporting is an inaccurate account, from dates when the account was open, reported dates, dates of last active, date of last payment, and reporting charged off which is a violation of 15 U.S. Code 1681e ( b ).

If a company has filled out a 1099c form and is continuing any kind of collection activity as defined under 31 U.S. Code 3711 ( e ) by performing any of the following conduct ; administrative offset, tax refund offset, referral to private collection contractors, referral to agencies operating a debt collection center, reporting delinquencies to the credit reporting agencies, garnishing wages, pursuing litigation or foreclosure, you are committing tax fraud and should be reported to the IRS for a fraudulent financial gain. 

Also, XXXX must be mailed to consumers. I did not receive anything which is a violation. As defined by the IRS, even if you didnt receive a Form XXXX, you MUST report Canceled Debt as gross income on your tax return, according to the IRS. For an account to be Charged Off, the debt had to have been Canceled. Canceled Debt must be reported as Gross Income on a tax return. Its illegal to report income to my consumer report. 

Companies that mark accounts as charged off take advantage of XXXX forms and deem it a profit loss, meaning they collect from the IRS. It is illegal to collect from the IRS and still attempt to collect from the consumer/individual. The reported balance of these accounts is inaccurate and the agency is to comply by blocking and deleting these accounts from my reports as they do not, and never have had my written consent to report these listings ( Violation of XXXX XXXX XXXX ).
Consumer complaint received 2022-12-07
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: Experian Information Solutions Inc. (NC)

In accordance with the Fair Credit Reporting Act XXXX : XXXX XXXX # XXXX # XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account 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 2018-02-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

XXXX XXXX has had a bank account with XXXX XXXX  XXXX XXXX since XX/XX/XXXX. The account was set up online and any relevant business information was confirmed with Capital One. To our knowledge, the account was in good standing and we neither received any further communication from Capital One, nor did we have any alerts or holds on the account after originally opening the account We recently received 2 wire transfers into the account totaling $ XXXX, on XX/XX/XXXX and XX/XX/XXXX respectively. There was no issue receiving the funds into the account and we did not receive any communications or notifications from Capital One signaling that there was an issue with the fund transfer or our account standing. 

On XX/XX/XXXX we added a XXXX XXXX XXXX  account in order to initiate a transfer of funds from our Capital One account. The XXXX XXXX XXXX transfer account was verified by XX/XX/XXXX and since then we have been trying to transfer those funds out of the XXXX XXXX XXXX XXXX account. 

Capital One, after having the account open for 6 months, is now telling us that our account is restricted due to insufficient information for address verification. Mind you, this is the first we've ever heard of this, and if the account had been restricted, which is their right, they should have never accepted the funds to begin with. 

We have been on the phone with them for 2 days and they are not letting us touch the funds that are rightfully ours - the funds they should have never accepted in the first place. 

In their terms and condition it clearly states that if an account is not verified properly, funds can neither enter nor leave the account, which means that, by the logic of their terms, since they accepted the funds into the account the account is verified. 

I am confused and have not received an answer from why our account was in good enough standing to accept $ XXXX, but not enough to now use those funds at our discretion. 

We have time sensitive purchases and fund transfers and Capital One is affecting our ability to do business.
Consumer complaint received 2022-12-07
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: EQUIFAX, INC. (FL)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax XXXX breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-12-07
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: BANK OF AMERICA, NATIONAL ASSOCIATION (WI)

I disputed a charge from a hotel ( XXXX XXXX {$160.00} ). I had reserved the hotel and cancelled it. I have a copy of the cancelation email. I was billed as a no show. 

I disputed the charge with Bank of American. They sent me a letter dated XXXX asking for documents by XX/XX/XXXX. The letter was postmarked on Friday XX/XX/11. Why was it not mailed for XXXX business days. 

The letter arrived to me on Wednesday XX/XX/XXXX. XXXX business days before the deadline! XXXX week after the letter was dated! XXXX business day after it was mailed. I responded on XX/XX/XXXX and mailed the documents on XX/XX/XXXX. Unfortunately, the mail service was not able to deliver it back in XXXX day! 

BOA rejected my claim saying they never received by the requested date. 

I called BOA last week who agreed that the timeline was unreasonable, and they will reopen my claim and look for the info I sent. She said if they needed anything else they would let me know. 

Now I have another letter saying this closed the claim and rejected it as I did not respond! Today and yesterday, I was bounced around between multiple departments ( XXXX or XXXX - XXXX lost count ) who all hear my story and then tell me I must talk to someone else. Finally, I talked to someone else who said they never received anything from me! And I must fax my info in. They do not except email and scanned documents. Seriously! Now I must find someone who can do a fax for me ( what will this cost? ) and hope that they will reopen the case. Also, I was told I will be charged late fees and interest on the disputed amount!!!!!!! 

I believe that BOA is throwing up as many roadblocks as possible to frustrate me so badly that I will not pursue the chargeback.
Consumer complaint received 2023-10-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (NC)

The issue is my servicer Nelnet. Firstly I want to talk about the communication. I don't receive proper communication through email or phone at all. I try to contact through phone and am left on hold for over XXXX hours without ever speaking to a human or i'm automatically hung up on by them. From Email I don't receive any responses from at all. When my loans were transferred over to Nelnet in XXXX of XXXX they never sent me any log in information to be able to set up my Nelnet account so I could start the payment plan process. Because of the previously mentioned communication issues I couldn't find out what was happening. So come XXXX weeks later I send an complaint to the XXXX on XX/XX/XXXX about my loan servicer and how they won't talk to me. Only after putting a complaint in do they send the information to me that same day and my complaint case with the XXXX is closed. So to get things done, ask questions, even somewhat communicate I have to go and complain to the federal government. 

Come XXXX XXXX it's time to set up a payment plan before student loan debt continues. I submit a SAVE plan to the XXXX who send it to Nelnet. On XX/XX/XXXX apparently Nelnet has full reviewed the application according to the XXXX and i'm automatically put onto the payment plan and I won't have to resubmit for an income based plan until XX/XX/XXXX. I think wow that's quick and great. From that point on my payment plan does what it is suppose to do and so does Nelnet. It's even confirmed on the XXXX website. Life is good... until today on XX/XX/XXXX. Where I go the Nelnet website and they reversed their decision, took off the payment plan, no reason at all given, and say I need to pay up over {$600.00} in XXXX. They deleted all evidence that the payment plan I was on existed. I can't call them to figure out why they did this or what is happening. The evidence is fully on the XXXX website that everything went through too. So to me it seems that they are doing a rug pull on borrowers and they don't have to suffer any consequences at all because you can't reach them. If you can't reach them then just hope you give up. To me it seems the company is run by chat bots, infinite phone line holds, and email bots who never respond.
Consumer complaint received 2023-03-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (NJ)

Good afternoon, I would like to submit a complaint for the following companies. 
Due to this situation my record with the XXXX XXXX has been affected and I have been rejected when applying for a credit card and I am concerned this will affect me in the near future. 
I am a consumer that pays a home mortgage, car loan, and all my credit cards on time. 

*Synchrony master card : my account was closed due to few late fees. 
Most of the late fees was due to an issue with Synchrony master card rejecting my payment. 
For example, my due date was every XXXX of each month, on XX/XX/, I summited my on-time payment and got rejected. I was not notified about this until a month later by mail. Incidents like this one happened few times where my payment was submitted on time with the bank account ( XXXX XXXX ), I use all the time and I was not notified about the payments being rejected until a month later on the mail. I called on XXXX about this situation and I was not given any type of explanation or help. I was told the system takes time to update that is way I was informed about this weeks later. I also contacted XXXX XXXX  in regards of the payments that were rejected, and I was told they do not have a record of any of this. I use this account all the time to pay my bills and had no issues. 
They also had the wrong address on file due to their error. That is the reason why i was not receiving my mail. 
I was not giving a warning or a notification that the account was closed until few weeks later when I received a letter on the mail. 
Unfortunately, I do not have the dates for the other incidents since they are no visible on the website or any letters that was sent since I misplaced them. 

**XXXX credit card : On XXXX XXXX someone submitted a payment of {$4.00}. XXXX I contacted the company in regards of the payment that was made to my account in error. I also tried to submit a payment and I was informed that no payment was due at that time. I was not given any other information. 
Few weeks later they closed my account because of my late payment and because I exceed my balance. This affected my credit score. I contacted them and they were able to resolve the issue since there was an error on their end and they reopened my account. However, this situation provided a negative impact to my report. 

***Gap  credit card : my account was closed due to late fees in XXXX 
I had the same situation my payment was rejected, and I was not being notified until few weeks later. Unfortunately, I do not have access to the website and can not provide any details.
Consumer complaint received 2023-10-23
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (GA)

I reached out to the collection company ( XXXX XXXX ) and explained to them that the debt is not mine. The address on the account is a po box that Ive never owned. The bill is also a XXXX XXXX bill in which Ive never had an account under their service. To further my dispute the bill cycle is dated at a time where I was living abroad for 5 years.
Consumer complaint received 2023-10-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (NM)

I sent payment of XXXX to Nalnet to see if my payment went through, and it didnt. So I went on their website and made a payment, by doing so it made me sign up with automatic payment. I cant cancel it and Im afraid that this week a second payment will be taken from my bank before I can cancel it. I tried for weeks to email call, and even been on hold for several hours with no answer. To written response back from my email either. I only receive automatic email response.
Consumer complaint received 2023-10-23
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. (FL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the XXXX credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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 2023-10-24
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (WA)

I am quite sure that Chase discriminated against me due to age in deciding not to issue a credit card to me. I applied for an Amazon Prime Visa Signature card through Chase. My FICO credit score is extremely high, in the XXXX. I have an excellent credit profile. Only XXXX credit cards issued at the time of the application, no delinquencies in the past XXXX years, and I pay off the full amount on any card on a monthly basis. 

Chase claims to have denied me a card based on the following, which will be seen are all pretextual : 1. " Past or present delinquent account obligations withchase. '' [ Typos in original ] I have never had a delinquent account with Chase and don't recall having an account at Chase. Moreover, I have had NO delinquent accounts in the past 7 years with any creditor, Chase or otherwise, Accordingly, this is clearly pretextual.

2. " Insufficient or no balance in Chase deposit and/or investment accounts. '' No I do not have a Chase account, but this reason seems entirely pretextual. I strongly believe that Chase provides credit cards to persons with my credit profile who do not have an account at Chase, but who are 10 years younger than me ( I am XXXX ). 


XXXX. " Too many revolving accts opened in 1 year compared to all revolving accounts. '' I have four revolving accounts, one of which was opened in the past year. I strongly believe that Chase provides credit cards to persons with my credit profile who opened one revolving account in the past year but who are 10 years younger than me.

4. One or more request for new credit in the past 12 months. The only request for credit in the prior 12 months was for a credit card ( approved ). I strongly believe that Chase provides credit cards to persons with my credit profile who opened one revolving account in the past year but who are 10 years younger than me.

The reason that I make this complaint is that I believe that Chase is discriminating based on age not only against me, but also in its credit algorithms to unlawfully deny credit to elderly people. I think that the CFPB should investigate Chase 's practices in this regard.
Consumer complaint received 2023-01-12
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. (NJ)

ON XX/XX/2022 a document to correct a reporting issue of inaccurate and unwarranted inquiries ( Counted XXXX total ) and reports were discovered on my report. To my knowledge, I have not granted any company permission, either at all or 90 days upon filing an SSA-89 form from the IRS to be reported on my personal consumer report.
Consumer complaint received 2023-01-12
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. (TN)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items 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 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 2023-01-12
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. (MA)

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX XXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$1100.00} ), XXXX ( Date Opened : XX/XX/XXXX, Balance : {$110.00} ), XXXX ( Date Opened : XX/XX/XXXX, Balance : {$310.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.