davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-22
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BARCLAYS BANK DELAWARE (FL)

This complaint is with Barclays Bank US and its branded Aviator Mastercard. I have been a customer of this bank and this card for 18 years with a perfect credit history and never previously sought a chargeback of a disputed charge. I opened a dispute by phone in XXXX XXXX XXXX XXXX on XX/XX/year> regarding a rental made through Booking.com due to the misrepresentation of the 'services described ' by the merchant in the original reservation. Barclays advised me in writing on XX/XX/year> that I did not have to provide additional information at that time but in case that the merchant refuted the chargeback, I would need to submit additional information. The case was prematurely closed on XX/XX/year> without any opportunity for me to provide information and documentation to support the dispute. Once I received this denial and merchant defenses it was already 10 days past the XX/XX/XXXX closure date. I submitted very thorough and extensive information and documentation to support the dispute on XX/XX/year> to Barclays ' CEO and executive offices. Barclays has repeatedly falsely claimed that they never received this 'new ' information which was actually the first information they received to support the dispute.

Barclays has been wholly uncooperative to acknowledge the receipt of my information and reopen the dispute. Barclays has also chosen to completely ignore the Mastercard , Inc. protocol for cardmember dispute resolution. This step by step process indicates what issuing banks of Mastercards should do to assist clients in working through merchant disputes form initial chargeback arbitration by Mastercard. 

Barclays has refused to provide me with reasonable answers to my questions regarding this chargeback dispute. They have also dismissed and ignored my request for the legally required full report of their complete investigation of the the dispute. Regrettably Barclays has treated this valid dispute as unworthy of its follow up and continued to side with the dishonest merchant. Booking.com, source of the original reservation has since dropped this merchant due to fraud and misrepresentation, but yet Barclays Bank continues to support their position and not give me any opportunity to support mine.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (DE)

My account with XXXX XXXX XXXX and TEACHERS XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX AND XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

KIKOFF LENDING LLC and TEACHERS FED CREDIT UN never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-08-20
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (NC)

I am writing to formally dispute the charges associated with my student loan account, which was originally for {$11000.00} but is now showing a balance of {$16000.00}. Despite my efforts, no one has been able to locate this loan in their records, and I have been informed that the account is closed. 

Here are the details of my situation : Loan History : I took out this student loan through the XXXX XXXXXXXX XXXX as an alternative loan to finance my education. The loan was serviced by XXXX XXXX XXXX 

Communication with Loan Servicers : On XX/XX/year>, I contacted XXXX XXXX, who informed me that they have no record of my loan and show a XXXX balance in their system. 
I then reached out to XXXX XXXX, who indicated that the loan is supposedly in collections with Transworld Systems Inc. ( TSI ). However, when I contacted TSI, they informed me that the account had been closed by XXXX XXXX and is not currently active in their system. 
I have made several attempts to trace the location and status of this loan, but no one seems to have any record of it, and the account remains closed without any explanation. 
Discrepancy in Loan Balance : I am deeply concerned about the discrepancy in the loan balance, which has increased from the original {$11000.00} to {$16000.00}, despite the fact that no one can locate the loan or provide me with detailed records of how this balance was calculated. 
I request a thorough review of this account, including a full breakdown of all transactions, interest accruals, and any fees that have been applied. 
Request for Resolution : Please investigate this matter urgently and provide me with a clear explanation as to why this account is unlocatable in any records and why it remains closed. 
If the charges are found to be incorrect, I request that the balance be adjusted accordingly and that I be provided with a corrected statement and an explanation of any changes. 
If the loan can not be found or verified, I request that this erroneous balance be removed from my credit report and that you provide confirmation of the accounts status. 
I would appreciate a prompt response to this matter.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (WI)

Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (SC)

XXXX  XXXX SYNCB/GUITAR CENTER On XXXX of XXXX  they said I was late but on my credit score it's saying otherwise I will like this to be correct please as a paid not late
Consumer complaint received 2024-08-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (MS)

On XXXX at XXXX XXXX at Chase Bank XXXX XXXX LA XXXX # XXXX bank teller XXXX waited on me I went to cash the check and withdraw it out of my account she put in a check and told me a hold would be placed on the check until XXXX. She gave me a number to call Tuesday to see if they will release some of the funds and I was told it had to be verified. every day afterwards I called and was given a runaround saying I needed a verifiable number so I went by another location almost XXXX weeks after and I was told the same thing restriction on my account and the account closed could only use the {$46.00} I had in account. XXXX rep told me it had been several years since that kind of money had come through my account and they have continued this until now I called the XXXX Treasury XXXX for the first time today and was informed that they funded that account on XXXX they will not release my money or send it back to the XXXX dept where it came from. Money was put in my account on XXXX on XXXX they took it back out restricted closed my account and have my my my money stolen of some type. I have reached out to USDA XXXX XXXX Treasury XXXX and gave the letter with the check amount and my name to the issuing agency on the paperwork all submitted to them nothing is verifiable to them.
Consumer complaint received 2024-08-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Duvera Billing Services, LLC (FL)

This company provided an installment contract from XXXX BANK. 
XXXX XXXX XXXX did not provide a signed contract with my signature as XXXX XXXX XXXX they also did not provide a breakdown of how they calculated the debt to be {$4200.00}. 
This is not proper debt validation this is fraudulent practices and violates my rights under FCRA law. 

This company is know for their deceitful practices and wrongful debt collection practices. 

I am requesting a signed contract with my signature and XXXX XXXX XXXX as the named lender over the contract the provided documents are tampered with and fraudulent. 

I am requesting the charge off amount as well as the alleged amount owed and the breakdown of how this was calculated. 

I am requesting a payment ledger of all payments received, the dates of the payment made towards this alleged debt. 

I am requesting the payment dates I am requesting the close date of this account and the actual charge off date and actual charge off amount.
Consumer complaint received 2024-08-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (PA)

LVNV FUNDING XXXX XXXXXXXX placed this negative item on my credit reports without notifying me. This is an violation of the early-warning notice clause of FACTA act Section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit reports. I never receive written notification of this alleged debt at my address of
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-08-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Shellpoint Partners, LLC (CA)

I have a loan being serviced by NewRez. I requested an appraisal last year which was completed in XXXX of XXXX. I calculated my XXXX to be 80 % in XXXX, and requested removal XX/XX/XXXX in writing. I received no response for XXXX months. I followed up XX/XX/XXXX, and was told that I would be hearing from someone. I am currently at 77.4 % XXXX, which should have triggered automatic removal. 

I called again today XX/XX/XXXX, and was told that " my investors '' decided to make the XXXX required to remove PMI 75 %. I understand there are laws which govern PMI, and NewRez is breaking those. Further requests for them to follow the law have been unsuccessful.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( XXXX ) that I have made. It is the result of identity Theft.
Consumer complaint received 2024-10-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (CA)

Hi my name is XXXX XXXX, they blocked my account an it has been 30-60 days and i was told i was supposed to have a check sent. XX/XX/XXXX of this yr, i recieved the funds from my grandmas retiremnent plan she had named me benificary. The same day i went to withdraw some money and they closed it, then i called it an said after 30 days they said they'll issue me a check an its been 60+ days. On XX/XX/XXXX a oncalll worker told me there was nothing they can do an that they dont owe me anything. my grandmothers name is XXXX XXXX an she had a retirement plan with citi an they can vouch for me!. 
XXXX XXXX account XXXX XXXXXXXX and my excutive response XXXX case numer is XXXX XXXXXXXX
Consumer complaint received 2024-08-22
Product: Student loan — Private student loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc. (MA)

The company that initially had my loan, descended to sell my loan to a subsidiary company. I was told to wait until the transfer was complete. The subsidy or company was given the absolute wrong mailing address and wrong email. I was never contacted. I waited and instead got remarks on my credit report, this destroyed my credit. Even though they confirmed they had the wrong mailing address and did not contact me, they do not want to claim responsibility. I did as I was told and was punished for their mistake. Sloan should accept they mistake they already confirmed and admit it to the credit agencies too.
Consumer complaint received 2024-10-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (NJ)

I filed a dispute because the transaction was voided by the merchant and never returned to my account, the transaction was done on XX/XX/year> and voided the same day Im still waiting for my refund. I have sent them the voided transaction receipt from the merchant and someone has my XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. I would like my money returned to my account immediately. I also have another dispute from the same for XXXX XXXX XXXX.
Consumer complaint received 2023-10-04
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (MA)

On XX/XX/23, I received an email from Chase thanking me for requesting a new credit card. I did not request a new credit card. I checked my XXXX  account, and found an inquiry for JPMCB card. I contacted XXXX  to dispute the inquiry, as I did not request it. They said they would flag it as fraud and my report should be updated in 24-72 hours. They told me to contact Chase and have them flag it as fraud. I called chase and was told there was no account with my SSN to flag as fraud and to call back in a couple days, and if there still wasnt an account open to call back in a couple weeks, and if there still wasnt an account open to call back in a month, etc. seemingly for eternity. XXXX also told me to go to ftc.gov and file a police report so that is what I am doing right now.
Consumer complaint received 2024-07-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

There some collection accounts that are being reported on my consumer reports that I had no prior knowledge of. These agencies did not give me any notification and decided to report this alleged information on my consumer reports without verifying the debt with me, the consumer first. This violates both the FDCPA and the FCRA. Pursuant to section 809 ( c ) of the FDCPA, failure to dispute the validity of the debt can not be construed as admission of liability. I demand that these accounts are deleted immediately.
Consumer complaint received 2024-07-28
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. (FL)

- Name : XXXX XXXX - Social Security Number : XXXX - Date of Birth : XX/XX/XXXX This complaint is filed under FCRA 605B ( 15 U.S.C. 1681c-2 ), requesting XXXX, Equifax, and XXXX to block information on my credit report that resulted from identity theft and fraud. Specifically, I seek to block the following fraudulent entries : XXXX. An inquiry at 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 XXXX XXXX XXXX  on XX/XX/XXXX XXXX accounts have led to several fraudulent hard inquiries and collections on my consumer FICO credit report. I have attached a list of these inquiries, along with a copy of the consumer FICO credit report maintained by XXXX, which includes the fraudulent items. I do not recognize any of the accounts, collections, or hard inquiries mentioned above, as they were not initiated by me and are a result of identity theft and fraud. 

I have also attached a copy of the FTC Identity Theft Criminal Complaint # ( private case number ) as proof that all the aforementioned entries are due to identity theft and fraud.
Consumer complaint received 2023-12-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

In accordance with the Fair Credit Reporting Act, XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX and XXXX XXXX acct # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have a 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 2024-08-26
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (MI)

I made a payment of {$740.00} on XX/XX/XXXX, paying off a balance before any due date. That payment is now on hold for 10 days as it was " high risk '', which was explained as any payment over {$500.00}. It has fully cleared my bank, and the company admits the payment was made and is completed. However, they will not readjust my available credit limit for 10 days. Reasons for this were given as " your bank may want that money back ''. I was also told it would be XXXX hours from the time the payment was made, then that time chanced to 5 days as I pushed for an answer, then finally 10 days before they hung up on me. I have three accounts with this finance company, and this has never happened over the course of years with many different payment amounts and different accounts. 

I checked with my bank ( XXXX XXXX ). They can not just take that money back, it has fully cleared, and my checking account balance confirms this. 

This policy is set up to discourage consumers from fully paying down balances, thus increasing the chances interest accrues. 

Furthermore, they refused to email me a transcription of the live chat, then disconnected. The remainder of the customer service interaction was encountered via phone call.
Consumer complaint received 2024-08-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

Yesterday, XX/XX/2024, I used my mobile app to access my account. I was waiting on my work check direct deposit. I logged in about XXXX at various points of the day. At XXXX yesterday i was locked out of my account and told to call the bank. Now today, XX/XX/2024, I tried to log in again. Once more I was told to call I couldn't access my account because I had exceeded their limits. The first representative said it was cleared up, I was driving to work, stopped to log in and still was locked out. I called again a XXXX time and was told I had to wait XXXX hours before access was available. This barred me from making necessary transfers and accessing my money. This bank does not have physical branches for me to obtain my funds directly. I requested the XXXX ( named XXXX ) to explain how I access my money if I am locked out. He wouldn't answer told me I can transfer funds within the account ( I need the money for my bills which will now have late fees ) due to this issue. It is not legal to bar anaccount holder access to funds in a computer and not have an ability to access the funds when there are no physical branches to do so. XXXX the XXXX said he'd send me a letter after XXXX to XXXX days confirming them locking me out for XXXX hours.
Consumer complaint received 2024-08-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc. (IL)

I was defrauded by unknown persons operating through the XXXX XXXX XXXX platform XXXX, which solicited me to invest a substantial amount of money. All payments were made in way of crypto-transactions to wallets nominated as beneficiary wallets by the representatives of the XXXX XXXX XXXX. Some transfers were made through my wallet hosted by www.crypto.com. I consider the beneficiary wallets to be an integral part of the fraudulent scheme behind XXXX. Based upon the understanding that www.crypto.com is acting compliant and will provide the due care towards its own wallet-holders, my legal representatives from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX relevant request for provision of information to XXXX XXXX XXXX XXXX Crypto.com XXXX to our letter of demand and refused to provide us with the requested information. They pointed out that they would not reimburse me for my losses. By so doing, www.crypto.com does not refer to specific legal grounds, which justify their decision not to provide the required information. In my opinion, the lack of response from www.crypto.com represents a clear example of the mistreatment of my consumer rights as a consumer.
Consumer complaint received 2024-08-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (NJ)

During court I have explained to the Judge that I had previous conversations that I had paid off my accounts with XXXX Bank. I have requested bank statement between XXXX to see if the payment that I have on recorded with my debit card matches the payment to the company. Also, I have requested a copy of my original contract with XXXX Bank. That was not provided. Lastly, I have requested the purchase agreement to ensure that they are the appropriate owners to this account.