davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-02
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: PNC Bank N.A. (VA)

I attended the XXXX  XXXX XXXX XXXX in XXXX. I signed a loan with my mother as a cosigner with the promise of the school that there would be " lifetime '' education, access to equipment and job placement assistance. The school closed without notice in XXXX. I stopped paying this debt in XXXX, after paying since XXXX with only a few lapses, due to financial hardships.The debt has been passed to a number of aggressive collections agencies and now appears multiple times on my credit report, reducing my score significantly. 

It is my understanding that our current President had to repay the students that attended his university as they were misled and essentially not given what they paid for. 

After research on current litigation, I believe this debt is fraudulent as I was misled by false advertising and false promises. I also believe the XXXX  XXXX XXXX XXXX should be investigated and the tuition paid to this company masquerading as school should be returned to the people who attended their closed locations, including but not limited XXXX, VA. 

This debt, that I assume XXXX  XXXX XXXX XXXX has absolutely nothing to do with at this point, is hindering my ability to purchase a home, to return to school and to sign up for simple utilities for my family. Please do something.
Consumer complaint received 2020-08-30
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (IL)

I have called multiple times and have spoken with multiple employees to try to get modification papers mailed out to me so I can apply for a modification. I'm in a chapter XXXX bankruptcy, and am being told that I am not able to receive modification papers directly. They have to be sent to my lawyer, who is to then forward them to me. Though my lawyer tells me this shouldn't be the case, Mr. Cooper persists that it's their rule. They said the papers were sent to my lawyer the 1st week in XX/XX/2020, but my lawyer states otherwise. I called recently, XX/XX/XXXX and spoke with a Mr Cooper employee who stated they faxed the paperwork to my lawyer. I advised that my lawyer doesn't have a fax machine, they are completely paperless and can only receive emails. The employee advised me they are not allowed to send emails and persisted there is nothing else she can do to help me. I requested a supervisor, and was put on hold to be left there. I need modification papers ASAP and am unsure why Mr Cooper is so unwilling to help.
Consumer complaint received 2020-08-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I have not been able to retrieve earned Visa Cash Rewards from a Capital One Visa Account prior to closing the account. Following is the text of my last written correspondence. On XX/XX/2020 Capital One responded requesting the same failed actions and did not yet provide a secure means to submit the information. 

" XX/XX/2020 Letter to Capital One Re : Credit Card Fraud Case XXXX To Whom It May Concern : Late XX/XX/2020 I was notified that a transaction on my Quicksilver Account was flagged as fraudulent. It was not. I was told that, to prove my identify and unrestrict my card, I must use my phone to transmit an image of my drivers license. 

I declined to do so due to security concerns and requested a secure computer link to transmit that image. For reasons you have yet to explain, you could not provide such a link to either of my email accounts. After several frustrating phone conversations, I cut the card up and quickly acquired a comparable travel card from XXXX XXXX XXXX. 

On XX/XX/2020 I mailed a copy of my drivers license to the address provided in XXXX. I received a response that they could not scan the bar code on the printed copy. The same conversations ensued and again no seure computer link or other satisfactory option to resolve this. 

... I only want the {$58.00} you owe in cash rewards so I may close the account. ''
Consumer complaint received 2020-07-01
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. (TX)

Equifax ; XXXX and XXXX should not be reporting a collection/chargeoff in the amount of {$270.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account does not belong to me and was opened fraudulently. I do not now, nor have I in the past, had an account with XXXX XXXX. This account needs to be removed from my credit report. This false reporting of a collection/chargeoff account, that does not belong to me, is seriously harming my credit score. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-08-31
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. (MI)

XXXX XXXX is listed twice. Same account different dates, past due etc. Ive tried MULTIPLE times with XXXX. They wont even allow me to submit the dispute.
Consumer complaint received 2020-08-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have sent 2 certified letters and one regular postal letter indicating that there are errors in my credit report that have yet to be completed. It has been over 3 months with no response.
Consumer complaint received 2024-08-13
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: EQUIFAX, INC. (NY)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2020-08-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have mailed 2 certified letter and 2 regular letters t have the incorrect information removed from my file to no avail. Please remove the incorrect information from my file at once.
Consumer complaint received 2021-12-30
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I recently returned from XXXX with military and found that my claim was denied due to lack of evidence. I filed a complaint against XXXX and Bank of America. On XXXX I received an alert that a hard inquire was made by Bank of America. I contacted XXXX because they are the ones that alerted me and they confirmed a hard inquire was made. I told them I did not make any inquires and I was told to speak with Bank of America. The following day I called Bank of America fraud department and was told they were unable to see the inquiry. I went to their branch and was told the same by the representative, that no inquire could be found. I contacted XXXX and let them know that Bank of America could not see the inquire so they were unable to help me. XXXX started that they needed Bank of America to write a letter stating that the inquire was fraud. I investigated further on XXXX website and found on my report that a person named XXXX XXXX XXXX from California made the inquire. The information on XXXX website clearly shows the name and address which do not match my information. I was told by XXXX they could not help me without the letter from Bank of America. Ive been bounced back and forth by these two company and neither wants to help me resolve this issue. It ridiculous that XXXX has the information on their own website showing it was not me and they will not assist me at all.
Consumer complaint received 2020-07-01
Product: Credit card or prepaid 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: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXX and XX/XX/XXXX my Chase credit card was fraudulently used for purchases. Over {$9000.00} was spent at two businesses. 

The charges were XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NY XXXX On or about XX/XX/XXXX I logged into my Chase account and noticed the fraudulent charges. I reported them that same day. Chase took quick action and closed the account, issued me a new number and sent a replacement card. They also credited the total fraudulent amount. 

I assumed this was the end of it, until this month when they have re-charged my account for the fraudulent amount with zero explanation. When I call Chase to discuss, they tell me that can not give me any information and that I can not call the fraud recovery department directly. I have received no additional information or correspondence about my fraud claim from nor was any additional information ever requested from me. I can get no other information from them and it sure seems like they're trying to make me responsible for this theft. I have attached the only correspondence about the issue I have received from Chase to date. 

This is a card that is almost never used and their fraud prevention should have obviously flagged the first transaction for {$5500.00} before it was fully charged to my account.
Consumer complaint received 2021-12-30
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. (TX)

I recently returned from XXXX with military and found that my claim was denied due to lack of evidence. I filed a complaint against Transunion and XXXX XXXX XXXX. On XXXX I received an alert that a hard inquire was made by XXXX  XXXX XXXX. I contacted Transunion because they are the ones that alerted me and they confirmed a hard inquire was made. I told them I did not make any inquires and I was told to speak with XXXX  XXXX XXXX. The following day I called XXXX XXXX XXXX fraud department and was told they were unable to see the inquiry. I went to their branch and was told the same by the representative, that no inquire could be found. I contacted Transunion and let them know that XXXX XXXX XXXX could not see the inquire so they were unable to help me. Transunion started that they needed XXXX  XXXX XXXX to write a letter stating that the inquire was fraud. I investigated further on Transunion website and found on my report that a person named XXXX XXXX XXXX from California made the inquire. The information on Transunion website clearly shows the name and address which do not match my information. I was told by Transunion they could not help me without the letter from XXXX XXXX XXXX. Ive been bounced back and forth by these two company and neither wants to help me resolve this issue. It ridiculous that Transunion has the information on their own website showing it was not me and they will not assist me at all.
Consumer complaint received 2020-08-31
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. (MA)

How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified Hows it possible that youve reported me 90 days late with no late payments prior to that? Also, wasn't XXXX student loan servicer was sued for not applying payments to consumers accounts correctly. I was never late and this account needs to be removed.
Consumer complaint received 2020-08-31
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: Experian Information Solutions Inc. (VI)

To Whom It May Concern : On XX/XX/2020, XXXX XXXX and Experian are reporting inaccurate and unverifiable information on my credit report. Please see accounts and its details below that are deemed incorrect on my credit files. 

FOR XXXX 1. Validate Account XXXX Account Number : XXXX Please verify all information regarding this account whether your agency has reported it or not or delete this inaccurate information immediately. 
2. Validate Account XXXX Account Number : XXXX Please verify all information regarding this account whether your agency has reported it or not or delete this inaccurate information immediately. 
3. Validate Account XXXX Account Number : XXXX Please verify all information regarding this account whether your agency has reported it or not or delete this inaccurate information immediately. 
4. Validate Account XXXX XXXX Account Number : XXXX Please verify all information regarding this account whether your agency has reported it or not or delete this inaccurate information immediately. 

FOR Experian 1. Validate Account XXXX Account Number : XXXX Please verify all information regarding this account whether your agency has reported it or not or delete this inaccurate information immediately. 
2. Validate Account XXXX Account Number : XXXX Please verify all information regarding this account whether your agency has reported it or not or delete this inaccurate information immediately. 

FOR XXXX 1. Validate Account XXXX Account Number : XXXX Please verify all information regarding this account whether your agency has reported it or not or delete this inaccurate information immediately. 
2. Validate Account XXXX Account Number : XXXX Please verify all information regarding this account whether your agency has reported it or not or delete this inaccurate information immediately. 
3. Validate Account XXXX XXXX XXXX Account Number : XXXX Please verify all information regarding this account whether your agency has reported it or not or delete this inaccurate information immediately. 
4. Validate Account XXXX Account Number : XXXX Please verify all information regarding this account whether your agency has reported it or not or delete this inaccurate information immediately. 
5. Validate Account XXXX XXXX  Account Number : XXXX Please verify all information regarding this account whether your agency has reported it or not or delete this inaccurate information immediately.
Consumer complaint received 2020-07-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: FIRST NATIONAL BANK OF OMAHA (AZ)

We opened the account in XXXX of 2019. We have several cards and thus have not used this card for purchases much. We did use the card several months ago. When we opened the card we agreed to open the card to make a large purchase and earn the rewards points. We just received a letter advising that the account was closed due to inactivity, however we were never notified that it would close for inactivity NOR that if it closed all points would be lost. I just called and spoke to a representative and she stated the account is closed and rewards are lost. She stated they are not required to notify us rewards will be lost. Had we received notice that the rewards would be lost we would have made plans to use the card to remain active. However, now the account has been closed and the rewards WE earned have been lost. It appears to me that this is a predatory practice - it does not seem fair or legal. What's to say the creditor is not running a report for accounts that have been inactive and closing those who have rewards to avoid paying those out? It would appear to me as a consumer that is what's occurring and this is a predatory practice and demand the account and rewards be reinstated and CFPB performs a full investigation on this practice.
Consumer complaint received 2021-12-30
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIBANK, N.A. (TX)

I have a charge for a {$130.00} overdraft fees which after speaking with 4 customer service reps, spending approximately 2 hours? and received an email each providing different versions of versions of why it was charged. Their first claim my account went negative due to 4 charges on the XXXX, however posted balances are positive after each transaction. Another agent said it was due to charges on the XXXX, XXXX, and XXXX however my posted transactions and ending balance from all of the records I can see do not show a negative amount. There were 2 charges ( {$17.00} & {$11.00} ) that occurred on the XXXX that did result in a total of - {$29.00} at the end of the day. While I am not excited about a {$34.00} transaction, I might have conceded to a total of {$68.00} in fees, except their email shows thar no fees were charged for these transactions. I shouldn't have a single charge for fees of {$130.00}. There is nothing available to me to verify any information for any dates other than the email that they sent which only referred to the transactions taking place on the XXXX with no fees assessed. Two supervisors refused to reverse any charges and I will not agree to pay fees for transactions that ( according to all of the records in their system ) did not happen. By that I mean other than the XXXX, there was sufficient funds for all transactions. Having one charge for a {$130.00} with absolutely no explanation is poor business at the very least. In my last conversation I informed the agent I would repay the negative total of {$29.00} but I am not paying a {$130.00} in fees that I can not verify and have gotten nothing but inconsistent information on.
Consumer complaint received 2021-12-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX I received notification that money was sent via XXXX. The sending bank has tried over and over to help. The sent the money again. I called my bank chase over and over and over. They are arguing and yelling at me because they do not understand and keep telling me why I called. I asked for someone to help me because this continues to happen. The supervisors start yelling as well. They disconnect the line so they won't help me. I have not been able to access what was sent. No one at chase nor XXXX helped me
Consumer complaint received 2020-07-01
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Pacific Retrieval LLC (CA)

Incident : A friend borrowed my vehicle, got in a high-speed chase with the cops, and abandoned the vehicle. It was then towed and stored at a tow yard. My boyfriend of fifteen years literally passed away two hours prior to me getting a call from the police department. I went to the tow yard, retrieved items from the car, and told the tow yard they can have the car. They assured me there would not be fees. On XX/XX/2020, I was contacted by a representative from Pacific Retrieval Debt. Collector. Upon speaking with the first rep. I explained the situation and informed him that I did not owe what they thought I owed. I informed him that I was going to call the tow yard and speak to them. He then transferred me to a " Supervisor '' who I do not believe is a supervisor as he presented to have the maturity of a fowl mouth immature XXXX-year-old boy. However, that is what this man claimed to be. When I repeated the same thing I said to the first rep, that I was calling the tow yard. He literally threw a fit. Yelled at me stating, " We are going to sure the ***** out of you, you loser, white trash. '' Now, I am not a lawyer. But, I do attend paralegal school and even if I didn't everyone knows that abuse is against the law under the FDCPA Act. And I intend on pressing the issue. I called back and was laughed at by a rep who answered the phone. I am not sure where this company gains their employees. But, I can assure none of them have an education or experience in customer service. I will be contacting an attorney friend to see if he can contact other victims of abuse from this company and file a class-action lawsuit and hopefully put them out of business. The reviews on XXXX re : this company backs my claim.
Consumer complaint received 2020-08-31
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)

How are you? Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2020-08-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

For the second time in less than six months, my two credit cards ( Platinum Mastercard and Quicksilver ) with Capital One have been suddenly restricted without notification or explanation from the company, even after written requests.I have not missed a payment on either card, do not typically carry a balance from month to month, and have never approached the credit line limit on either card. 
When I do call to resolve the issue, I am asked to verify my identify by sending in personal documents for each account separately, which leads me to believe there is a fraud issue. However, Capital One does not give details for the account restriction nor do they send correspondence or call like other companies when fraud is expected or to warn of an account being closed/restricted -- because of this, any bills set up for Autopay are declined, leading to late fees, which is very concerning and unnerving during these times. 
Most recently, my accounts were restricted before XX/XX/XXXX and, while being told that they could tell me why the account was restricted, I was asked to send in copies of my driver license, which I did while on the call. As of XX/XX/XXXX, I've not received any updates and the accounts are still restricted.