davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Hello Yes I would like to report Capitol One Bank. They intentionally and purposefully blocked me from making a purchase from XXXX XXXX. This is the second complaint I made. I just received tax refund and it was deposited into Capitol One Bank. I want Capital One actions reported to the police for invading my privacy and purposely with cruelty. I don't know who they are trying to impress or side with but their continued action is going hurt their business financially. Thy people they are trying to side with wont save them from getting a lawsuit if they continue with their erratic XXXX behavior. Also the media ssuch as XXXX XXXX, XXXX XXXX and XXXXXXXX XXXX and XXXX others etc. has been invading my privacy and I have complained to the police about it. Now Capitol One wants to XXXX join the cruelty and prevent me from making needed purchases.
Consumer complaint received 2021-03-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (TX)

I have been a Paypal customer for at least 20 years and their customer service has often not been the best. They outsource most of their telephone customer service which means they deliberately make communication difficult. My long history with them appears to mean little. 

The problem is they placed a limitation on my account last week due to suspicious activity. I had made only two transactions in XXXX. One is a recurring debit for {$9.00}, and another was a payment to a merchant I had sent a payment to for {$3.00}. 

I find their suspicious activity claim to be dubious, so I attempted to ask them why. But because their service is so bad, and because they outsource their customer service to other countries when Americans need jobs, this usually does not help. It did not help this time either. They refused to tell me what the suspicious activity is, and demanded I send them a copy of my driver 's license. I offered to call in and verify information but they rudely refused. 

I tried one more time to get information and this time, they said they needed a copy of my driver 's license because of the Patriot Act. 

Are you confused because I am? Which one is it. Is it the Patriot Act or suspicious activity? I guess they figured that I was not going to believe the suspicious activity act they were putting on since there had been none ( only two transactions totaling {$12.00} to previously paid merchants ) so then they tried to use the Patriot Act as an excuse. Then the last representative rudely told me basically they did not care if I used the account or not but they would keep it locked down. How is that for bad customer service? They should win an award! Oh and then they closed the message thread so I could not reply. They should win two awards. 

Since they make it impossible to speak to someone in the USA, and since they refuse to tell me what is really going on with my account, and since they have been extremely difficult to deal with, I am filing this complaint. 

I will not be sending them a copy of anything just because they demand it if they are not even going to bother explaining why. I have been a customer since XXXX or XXXX and I could probably verify any information they needed over the phone like all my other credit cards do when there is suspicious activity. 

I think it would be great if you could investigate what is going on with Paypal and convince them that shipping jobs overseas is a bad idea. But most of all, I think it is great that I do not work for Paypal because I do not think I could do the things they do to customers and ship hundreds or thousands of jobs overseas and live with myself. I do not know how they do it. I would like to keep my Paypal account open but if they really do not want my business, I will have to think about it.
Consumer complaint received 2021-03-02
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (MN)

I C systems reports the date of your debt incorrectly in an attempt to make your debt look new. In my case they are reporting a debt on XX/XX/XXXX, the debt is actually from XXXX and I have an email from the company the debt was originally from that agrees with my statement.
Consumer complaint received 2021-03-05
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 — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc. (SC)

The car was purchased and had insurance on the car in SC. This car was stolen and later found in another state in GA 6 months later after it was stolen. Santander was notified as to where the car was. They went and looked at the car and decided not to take the care back. They said they didn't want, they left it. They said it was a total loss. This was not handled properly and, they didn't notify me of the Sale and the difference to pay. This needs to be deleted off of my credit report.
Consumer complaint received 2021-03-05
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. (IL)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my FICO score.

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.
Consumer complaint received 2024-09-24
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: EQUIFAX, INC. (GA)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2021-03-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (IL)

Navient is providing deceptive information to customers regarding allocation of payments. When scheduling payments, Navient allows customers to select how they would like their payment to be allocated. I noticed in XX/XX/2021 that a payment I had specified be allocated to the loan ( s ) with the highest interest rate was seemingly allocated randomly across my various student loans rather than being allocated to the loan with the highest contractual interest rate. I reached out to Navient who indicated that, due to the provision of the CARES Act which reduced the interest rate for all student loans to 0 % for a period of time, payments which customers asked to be allocated to the loan with the highest interest were instead being allocated to the loan with the highest monthly payment amount. A copy of the correspondence in which they provided this information is attached. There is absolutely no indication on the website that this is the case. I have made payments throughout the period during which mandatory payments were suspended in order to get ahead on paying off my student loans and I now suspect that all payments I have made over the past 12 months have been misallocated, despite my explicit instructions to apply to the loan with the highest interest rate. I am confident Im not the only customer who was under the impression that payments would continue to be allocated to the loans with the highest pre-CARES Act interest rate during this forbearance period. 

Whats more, I believe the statement that payments are allocated to the loan with the highest payment amount is also misleading given that all loans currently show a monthly payment amount of {$0.00} due to the suspension of payments provided by the CARES Act. If this was the case, by their own logic any payment should be split evenly between my various loans. Instead, when I schedule a payment online and specify that it be allocated to the loan with the highest interest rate, I can see through the allocation preview that the payment is in fact being allocated to the loans with the lowest interest rates.
Consumer complaint received 2021-03-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX, I went on XXXX to check my credit report because I was declined by XXXX when I tried to open my very first credit account. I find that someone used my information to open a Bank of America credit card in XX/XX/XXXX and failed to pay off credit card debt. Hence, Bank of America closed the unauthorized account and is charging me {$940.00}. I notified other credit bureaus and Bank of America, and filed a police report.
Consumer complaint received 2021-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (SC)

EQUIFAX IS REPORTING AN ACCOUNT AS AN AUTHORIZED USER THAT I AM NOT ASSOCIATED WITH THIS ACCOUNT IS HURTING MY PROFILE I HAVE SENT LETTERS MY CERTIFIED MAIL AND CERTIFIED FACSIMILE Account Name : XXXX XXXX Account # : XXXX Date Opened : XX/XX/2018 Balance Owed : {$15000.00} I AM NOT ASSOCIATED WITH THIS CARD IN ANY TYPE OF WAY PLEASE TERMINATE IMMEDIATELY AND REMOVE THIS ACCOUNT FROM MY CREDIT REPORT
Consumer complaint received 2024-09-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Velocity Portfolio Group (VA)

I took out an upgrade credit line debt on XXXX XXXX. The account was transferred/closed and written off as {$3700.00} per my agreement with XXXX after making inconsistent payments. This was due to unexpected situations such as job loss, birth of child, car accident, and increase of expenses due to inflation which has caused financial hardships. I live in a XXXX income household and have a dependent. I told XXXX of my financial hardships and tried to make a payment plan. However, that was unsuccessful due to XXXX requesting that I mail payments to a XXXX XXXX XXXX any written documentation provided. XXXX ended up selling my debt to Velocity Investment LLC. Velocity Investment LLC tried to collect my debt from XXXX XXXX XXXX XXXX. I felt threatened into making a payment plan and was told that if I do not make a payment it can go into pre litigation. Also, they made statements such as I am not trying to make a payment when I was trying to but have been experiencing financial hardships and never received documentation from them. I spoke with XXXX XXXX who is with XXXX XXXX XXXX XXXX on XX/XX/XXXX to come up with a payment plan that I could afford as my money has been very tight these past years. We agreed over the phone that I would make 5 monthly payments of {$55.00} and then we will rediscuss a new payment plan afterwards. XXXX XXXX sent me the form however it was incorrect as the first payment due was {$200.00} by the end of XX/XX/XXXX. I responded via email that we agreed to {$55.00} and asked for an online payment option. XXXX XXXX provided me with the website. However, the reference number did not work when I tried to logon. I sent an email on XX/XX/XXXX requesting paperwork from XXXX to ensure it is the correct amount. On XX/XX/XXXX I attempted to make a payment and noticed that the reference number is incorrect and requested paperwork to be mailed regarding what I owe and information regarding the account number. I never received a response from XXXX XXXX XXXX XXXX. A few months later I received a phone call from XXXX, XXXX, and XXXX XXXX. I asked who they were and requested documentation from them regarding my debt. I never received a response and they will just send a letter in the mail of the debt owed without sending the documentation I requested. Each time XXXX request documentation, they never respond, call me back, or answer the phone. I spoke with someone from XXXX, XXXX, and XXXX XXXX and they denied that I had an agreement with XXXX XXXX XXXX XXXX. They stated that I have not made attempts after that to pay the debt. Also, I was sent a warrant in debt in the mail from Velocity Investments LLC on XX/XX/XXXX without it actually being summoned or have a signature from a clerk on it. I am requesting documentation of the debt owed as my right.
Consumer complaint received 2021-03-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (IL)

On XX/XX/2021 i filed a unauthorized claim for a {$1000.00} XXXX transfer with Citibank. I was not notified of their decision to deny my claim ( s ). I then called the bank to follow up in which i was informed then and filed an appeal. The bank did not protect me as a long standing customer who did not have any issues with this bank. The bank did not notify as requested over the phone about appeal decision or ask for any additional information from me to successfully fight my appeal. I feel as though i have been discriminated against and unprotected.
Consumer complaint received 2021-03-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I was reached out by an account manager to invest in https : //XXXX I said I didn't know much of investing. I initially started with a XXXX invested, once " profits '' increased I had to pay a fee of XXXX the account manager gave me his word no more fees after paying this and I can withdraw my money. I got an email that same night after requesting the withdrawal that I should pay a fee. I freaked out all these fees I wasn't told about and I had send it asap. I told them to please just refund my money I didn't care about profits anymore. To not make the story longer they said they would refund the money in 7 days but I could not re invest with my name if I wanted to in a future. Today after logging in the platform, I get a message the email doesn't have an account and both the account manager and person who contacted where know where to be reached and the customer service department on the website never responded. Total fraud after a total of {$9100.00} included I had a charge of {$3500.00} debited from my account unauthorized from me. I am giving this information because I don't want this to happen to any good person who makes honest income from these scammers!!
Consumer complaint received 2021-03-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Firstsource Business Process Services, LLC (AZ)

Received notice at a previous address that a credit account was created by XXXX under my name. I contacted them and requested they delete the account as I had not opened it. They refused because it was not under my social security number. I then filed an identity theft report with the ftc ( report reference XXXX ). 

Now I am received a harassing debt collection notice regarding this account that I already told XXXX was not mine.
Consumer complaint received 2021-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc. (SC)

I HAVE CONTACTED A REQUESTED THAT SAGESTREAM PLACE A SECURITY FREEZE, BLOCK AND SUPPRESS THE FILES THAT I HAVEWITH THEM. I AM A VICTIM OF A SPECIAL TYPE OF IDENTITY FRAUD. SAGESTREAM IS RELEASING INFORMATION ABOUT A BANKRUPTCY FILING THAT I DID NOT DUE TO XXXX AND XXXXTHIS WAS PREVIOUSLY FOUND TO BE AND ERROR. I HAVE SENT THEM SSN CARD, ALONGWITH GOVERNMENT ID, AND BANK STATEMENTALONG WITH A CERTIFIED MAILED REQUEST AND CERTIFIED FACSIMILE I DEMAND THE BANKRUPTCY BE REMOVED AND BLOCKED IN ADDITION TO THE FREEZE AND SUPPRESSION PLEASE HAVE THEM PROVIDE WRITTEN PROOF.
Consumer complaint received 2024-09-28
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: JPMORGAN CHASE & CO. (FL)

My dispute is with Chase XXXX XXXX because they attempted to collect a debt NOT owed. I made XXXX attempts by letters trying to resolve this issue : XXXX letters to Chase card company stating that I never received the merchandise ( coupon to get hair straightener from XXXX who just puts a coupon in your " my stuff '' page on the internet. All Chase had to do was to see if I ever went to get services. I was never told the name of the proprietor nor the address since all XXXX does is sell somebody elses cheaper than if you went directly to the business. XXXX actually did this to me twice ; On XX/XX/XXXX I tried to buy a XXXX for XXXX XXXX XXXX and paid {$20.00}. After you perform the purchase on their site, nothing verifies the purchase, Like " you bought a group!, congradulations! '' So you look on " my stuff '' constantly, then check your email and can't find it. ( I'm sure others have the same problem ). So I figured it didn't go through so I buy it again on XX/XX/XXXX for {$25.00}, and did receive this one ( so actually paying {$45.00} the actual price to pay for at the XXXX XXXX  XXXX, so haven'nt saved anything. 
The XXXX coat I'm disputing is XX/XX/XXXX and XX/XX/XXXX on Chase XXXX XXXX XXXX card for {$210.00} and XXXX ( hair straightners that I never got ). The one purchased on XX/XX/XXXX again I couldn't find in " my stuff nor never was emailed ) so I purchased the cheaper XXXX of {$130.00} on XX/XX/XXXX but never found that XXXX. after sever days, I went to my hairdresser to get XXXX done. When I was billed for these XXXX I wrote, not once, but 4 times disputing this bill. They have my email, they could have communicated to me, WHICH they said they did after they wrote back to Chase. They showed an email of their counter dispute " you can call us anytime etc. '' I did searches on my computer for a couple of days, there were NO EMAILS from XXXX with that letter at all only hundreds of ads for XXXX which I wrote many times asking them to stop sending and they never did. 
I have excellent credit but they now are destroying it because I refuse to pay for merchandise that I did not receive. I'm nearly XXXX and have heard about people taking advantage of seniors, and something needs to be done. XXXX practices need to be changed so people know when they buy something and Chase needs to know when somebody writes in with a bogus dishonest letter, it isn't always true.
Consumer complaint received 2021-03-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Viking Client Services (OH)

On XX/XX/21, I received notice, via USPS, that Viking Client Services alleges I owe their client, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  ( {$2000.00} ) '', dated, XX/XX/21, for a " XXXX Credit Card '', with no original creditor cited. I immediately responded, via certified USPS Mail, return receipt, # XXXX, to dispute the debt in full and request validation within thirty-days ( 30 days XXXX. A duplicate request was also sent to XXXX XXXX XXXX, via, certified-USPS-Mail, return receipt, # XXXX. And a second validation notice was also sent to Viking Client Solutions, on XX/XX/21, via USPS-Priority-Mail, although they had received prior notice, and the 30 day period had already begun with both parties. As the request with Viking Client Services, was signed for on XX/XX/21, by Mr. " XXXX XXXX '', and the request with XXXX XXXX XXXX was signed for on XX/XX/21, by " XXXX ''. Please see the attached letters, titled, " Vikingltr11421 '', and " Uhgdpdeltr '', including return receipts, with signatures. After not receiving any response from either party, cease and desist notices were mailed to both parties on XX/XX/21. However, on XX/XX/21, I did receive what seems to be an inadequate attempt to validate this alleged debt from Viking. However, it was post marked, XXXX, XXXX, and dated, XX/XX/21, well after the thirty-day ( 30 day XXXX period to investigate under the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ) expired. Please see the attached envelope, and letter, titled " VikingresponseXXXX XXXX.
Consumer complaint received 2021-03-05
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. (NJ)

On XXXX I sent a letter regarding inaccurate account on my credit report. To this day over 90 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored. Section 611 ( a ), plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 90 days so they should be deleted promptly. Equifax has violated my rights. I demand this account be deleted immediately or I will file for litigation due to the stress you caused me. My information was impacted by the Equifax data breach and may have got into the wrong persons hands.
Consumer complaint received 2021-03-05
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: CITIBANK, N.A. (CA)

I have two accounts on my credit reporting that are fraudulent ; 1. XXXX XXXX : I have no knowledge of the account. 

2. Macy 's American Express : Card was stolen and reported to Macy 's AmEx and it was never resolved of the fraudulent charges. 
On XX/XX/2020 called to report the card was lost/stolen ( reference # XXXX ) Follow up on XX/XX/2020 and completed forms for fraud charges. Emailed to XXXX . Followed up again on XXXX XXXX with Fraud Dept.