davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-16
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: U.S. BANCORP (OR)

I am a temporarily layoff employee and have gone through one round of unemployment, I received my benefits for the first week ( XX/XX/year> ) and when I went to use the same card today ( XX/XX/year> ) I was given an " card is invalid '' error. I phoned the US Bank Reliacard customer service to remedy and was told I need a new card and needed to be charged {$15.00} for expedited mail or wait 2 to 4 hours to see if the card would work and that there have been other Oregon Reliacard holders having the same issue. I waited the 4 hours and it still wouldn't work, same invalid card error, so I ordered a new card with {$15.00} fee refunded.
Consumer complaint received 2024-08-14
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: GVA Holdings, LLC (AZ)

From XX/XX/scrub>XXXX XXXX XXXX XXXX  allowed fraudulent inquiries to obtain credit under my name and social. 
XXXX bank and net credit are the other ones that I did not authorize. I am trying to build my credit and once I got it to around XXXX someone without my permission started trying to open accounts daily, weekly, and monthly. I am trying to get them removed and the company will not help me.
Consumer complaint received 2024-08-20
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: SYNCHRONY FINANCIAL (UT)

I purchased a product on XXXX XXXX with my Venmo Credit Card for a total of XXXX ( including fees ) and the product was never delivered. I contacted Venmo and let them know that I never received this item. I opened a dispute with Venmo and they issued a temporary credit on my Venmo Credit Card. After some time, however, the charge was back on my statement and I then got a 5 page letter in the mail.

The letter stated that the case had been reviewed and that it was being closed because their ( Venmo 's ) " records indicate that the service or merchandise was received by you and delivery was confirmed. '' This is a lie. There was no record indicating that I received the product. There was no tracking number. Venmo just made that up and listed it as the reason on the letter so they could close the case!

In the 5 page document, however, Venmo included a page called the chargeback response form. This form indicates that the card holder, me, is in violation of PayPal 's user agreement by purchasing goods and services through " friends and family '' even though on the Venmo app it asks if the transaction is a purchase of goods and services and that a refund may be available if there are problems.
Consumer complaint received 2024-08-19
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (NY)

XXXX my business received a chase business ink credit card ther the business a corp name XXXX XXXX Since economic effects and financial issues the company had to close at XX/XX/XXXX And company was not able to pay the chase credit debt since then However the chase report the my personal creditors to ruin my credit score instead of reporting to business I tried to negotiate with them several times however they dont want to do settlement with me they keep treating me to ruin my ssn and credit score Now they want to charge off & collection activity for the account Please help me or advise me what to do with them to protect my personal credit score from business account
Consumer complaint received 2024-08-19
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CNG FINANCIAL CORPORATION (WI)

My Husband XXXX XXXX got a call from Check and Go in XXXX XXXX Wisconsin XXXX XXXX XXXX  from XXXX about a loan we took out in XXXX. We never took out a loan for a cash advance loan. My husband filed bankruptcy in XXXX on Check in Go in XXXX, Wi with XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, WI XXXX ( XXXX ) XXXX. We have sent several letters to Check and Go about this debt being closed out in a bankruptcy. We have requested paperwork from the XXXX so called loan debt we may owe, of which we do not owe. I'm requesting a investigation into Check and Go XXXX XXXX XXXX XXXX, WI XXXX XXXX. We need all data from from Check in Go attorney Telephone number XXXX XXXX. We believe this is a scam.
Consumer complaint received 2024-08-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (SC)

XXXX XXXX with pre legal XXXX services left me a voice message on XX/XX/year> @ XXXX regarding pertinent information regarding a case filed against me. That she has my full name address and social that is due to be forwarded to XXXX XXXX municipal court and sheriffs office. XXXX this matter is time sensitive and requires my immediate attention. If I wish to settle this matter outside of a courtroom Setting by all means call directly XXXX She shared that they had previously mailed me documents. So I had her email them to mebut I did not click the link in the email. She slimed to be with XXXX XXXX XXXX XXXX XXXX department. 
The email came from XXXX XXXX
Consumer complaint received 2023-11-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FIRST NATIONAL BANK OF OMAHA (IL)

I am writing in response to a recent communication dated XX/XX/, regarding an alleged debt in the amount of {$9500.00} USD on behalf of First National Bank of Omaha. I am genuinely uncertain if this debt is valid and whether it pertains to me. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of this debt. As such, I kindly request that you provide the following information : The name and contact information of the original creditor, First National Bank of Omaha. 
A copy of any contract or agreement signed by me related to this debt. 
A detailed accounting of the debt, including the principal amount, interest, fees, and any other charges that make up the total debt. 
Proof that XXXX XXXX XXXX XXXX is authorized to collect this debt in the state of Illinois. 
Any documentation that demonstrates I am legally responsible for this debt. 
Please ensure that all of this information is provided within 30 days from the date of your receipt of this letter, as required by the FDCPA ( 15 U.S.C. Section 1692g ). If you are unable to provide the requested documentation, I expect the debt to be immediately removed from my credit report and consider the matter resolved. 

I am providing my full legal name as XXXX. However, I noticed that your correspondence addressed me as XXXX. Please be aware that this information is not meant to acknowledge or confirm the validity of the debt but to ensure that my identity is correctly identified in your records. My internal case/file number, XXXX, should be sufficient for your reference. 

I request that you cease all collection activities, including phone calls and letters, until the debt validation process is completed. 

I will also be submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding this matter for record-keeping purposes. 

Thank you for your prompt attention to this request. I look forward to your timely response and the resolution of this issue.
Consumer complaint received 2024-08-20
Product: Debt collection — Telecommunications debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Resurgent Capital Services L.P. (FL)

I dispute them on my XXXX so many time XXXX never took action to delete them on my credit credit report because I request a debt validation. And the original pushed argument with the original signature They never send me that. I want them to delete on my credit report LVNV FUNDING LLC OPENED XXXX XXXX LVNV FUNDING LLC OPENED XXXX XXXX XXXX XXXXXXXX XXXX OPENED XXXX XXXX XXXX XXXXXXXX XXXX  OPENED XX/XX/year> XXXX XXXX XXXX OPENED XXXX XXXX Thank you Derogatory marks
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

To whomever this may concern, My name is XXXX XXXX, and I am writing this statement on my own behalf. Per 15 USC Code 1681S-2 and 15 USC Code 1682G, the listed accounts provided in this statement should not be reported on my consumer reports. The accounts listed violate my rights as a federally protected consumer per the Fair Credit Reporting Act and Consumer Financial Protection Buruea. According to the listed codes, they state that it is Non permissible for any reporting agency to report any information to the credit bureaus without a written contractual agreement, which i never provided to either company. No consent constitutes as identity theft. As a federally protected consumer, I am demanding the deletion and removal of these listed accounts off of my credit reports immediately.
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 (NJ)

Synchrony denied my application for a credit line. They were given inaccurate information from a credit agency XXXX ) who violated my consumer rights 15 USC1681 ( a ) ( 1 ), in addition 15 USC 1681 ( b ). If reasonable efforts were made to VERIFY the Date of issuance of my social security number which was the identifying number that was used to link data to my credit report starting 1986 in NJ, it would have show I was only XXXX yes old at the time. Therfore making it illegal for me to have entered into ANY credit agencies report. I expect CIVIL FINANCIAL LIABILTY, for each VIOLATION, that occurred as decided by XXXX not limited to 15 US 1681 ( n ) ( a ) ( 1 ) ( A ), or the amended sections created by CFPB, to hold credit agencies responsible for such HEINOUS, RECKLESS, WILFUL, non compliant behavior, that has caused me GREAT FINANCIAL DISSPEAR, due to the fact, I have to deal with high interest rates on my current lines of credit
Consumer complaint received 2024-08-20
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: SYNCHRONY FINANCIAL (GA)

I signed up for a Medical credit card they said it would not affect my credit when I sign up for it, when I looked at credit score it docked me XXXX points I read the fine print and it never said it would affect my credit I cancelled my account is there any why I can get that off my credit history and can I report the credit card company. The credit card company is CareCredit
Consumer complaint received 2024-08-20
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (PA)

On XX/XX/XXXX, I realized that I have transferred XXXX global wire transactions to a fraud XXXX day before, with the total amount of {$16000.00}. I called XXXX to submit a claim for tracking the money. I have just received an update email on XX/XX/XXXX, saying that they denied my claim because they determined that the item being disputed were authorized or I received benefit from the item, so they will not reimburse my account. However, I believe I encountered a scam. I have told XXXX that this is a scam, and I have also called the police to confirm with this. I called XXXX immediately once I realized it was a scam, only XXXX day after my transaction. However, given the long time range between the starting and ending dates of their investigations, I suspect that they did not fully investigate this case and provide a helpless feedback.
Consumer complaint received 2024-08-20
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC (FL)

I am writing to request the removal of a collection account from my credit file. The account in question has been paid in full, and I would like to ensure that my credit report accurately reflects this. 

Details of the Account : Creditor Name : XXXX  XXXX XXXX XXXX Account Number : Unknown Collection Agency : Transworld Systems Original Amount : {$250.00} Date Paid : XXXX/XXXX/24 Reference Number : XXXX Enclosed with this letter are copies of the payment confirmation and any relevant documents that demonstrate the account has been paid in full.
Consumer complaint received 2024-08-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I had a bill due for XX/XX/XXXX to my XXXX XXXX credit card. I use Capital One for my checking account with their online bill payment service. I had set XXXX payments to be sent on XX/XX/XXXX. On XX/XX/XXXX I received a notification from XXXX that they had not received payment. The funds ( {$500.00} ) had been debited from my Capital One account but not sent to XXXX. I subsequently sent an additional payment on XX/XX/XXXX to XXXX and that also did not process. Upon calling Capital One 's " customer service '' department I was made aware that they knew about the issue for over a week. At no time had Capital One contacted me to tell me of this problem. Moreover, their " solution '' is to return the funds to my account but not pay the outstanding bill or the late payment I have been assessed. This is an illegal practice and should fall under the RICO statute as multiple people within Capital One had to be involved in this fraud. XXXX XXXX, the XXXX, should be held to account and arrested. Capital One has acutely shown they do not care about their customer 's or the law. In searching the web I see this has happened many times before. It is past time to hold them accountable. The fine needs to get their attention. The entire management and board need to be replaced and Capital One should be taken into conservertorship until a new system is put into place.
Consumer complaint received 2024-08-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (MS)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DISCOVER BANK XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LAKEVIEW LOAN SERVICING, LLC (VA)

Mortgage was sold to other parent company.Home owners Insurance was cancelled in XXXX. I didnt was notified. The new mortgage company found out in XX/XX/XXXX. They bought a Home owners insurance for XXXX and XXXX. My scrow and mortgage payments went up to XXXX XXXX From {$2000.00} to {$3000.00}
Consumer complaint received 2024-08-14
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA (MA)

I requested the company correct discrepancies on the credit reporting agencies. Some late payments are reported one way on one and another way on another. This is hurting my score and they " verify '' the information though do not correct or validate for why it is correct. FCRA requires companies to remove information in that case.
Consumer complaint received 2024-08-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (TN)

Hi my name is XXXX XXXX I am writing you to let u know that I had already talked to a representative regarding this... it was found that it's not my account and I have never had a XXXX  account before in my life. My XXXX  was stolen by my XXXX XXXX XXXX XXXX using my information about it. I need this taken off my credit XXXX soon as possible I don't nor have I ever owned a XXXX  phone needs this remove asap. Thank you XXXX XXXX ps the company or debt collector is XXXX XXXX XXXX
Consumer complaint received 2024-07-29
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: EQUIFAX, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2018-12-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I have sent multiple disputes and method of verification requests regarding accounts that are reporting on my credit report. I keep getting that the accounts have been verified with no substantiation. 

I have requested the names of who did the investigation, dates, how was it concluded that these are in fact my accounts. I also received the information after the 15 day cutoff for MOV requests. 


Equifax sent the info on XX/XX/2018. They received my certified letter on XX/XX/2018. 
The confirmation # on the report I just received is # XXXX.
Consumer complaint received 2024-08-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

I have been a member of chase for years they are my first bank. My boyfriend received a check from his job legit verified government check for in home care provider services for his sister. His sister informed us that it was possible to cash checks for his mom and sister. We were low on money because Chase closed his account and we're trying to get gas to get home. Usually the check is available instantly after depositing it wasn't. Then I got a text my account was on hold for fraud I talked to XXXX representatives even together with permission because they always claimed they can't get in touch with the third party who lives with me! They insist our database is slow and unfortunately there is no way to lift the restriction because you don't have the same old phone number. The old phone number is a government phone it doesn't belong to him and we use the same number for everything even went to the branch and updated it. Unfortunately it doesn't work like that... So social security, voice recognition etc anything they need is worthless because no access to a phone number. Every representative has been a nightmare and told us different things to do rip the check after if deposits in my account it did then the ban should be lifted it wasn't and XX/XX/XXXX in the mail I received a letter they are closing my checking account due to fraud. It's not fraud we are made to jump through hoops and never get anywhere we feel they are purposely withholding funds and making up excuses. Because I can't spend any money in my account and this is not their money it's ours. They have been very ignorant and it has showed me exactly how they treat their customers they don't value their customers they steal from us. My bank account of many years should not be closed by them because of their slow database and unfortunately that's not how it works go to answer for any solution other than an outdated number.
Consumer complaint received 2024-08-14
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: CITIBANK, N.A. (CA)

On XX/XX/year>, I made a purchase on XXXX using the credit card ending by XXXX with the amount of XXXX of XXXX XXXX XXXX XXXX The XXXX  only brought XXXX bottle of XXXX  which was equivalent to XXXX after the promotion. I did not receive the second bottle. The XXXX  asked me to reach out to XXXX for a refund, I did. XXXX denied the request. So I file a dispute with the credit card company, and they close the case and reversed the temporary credit. I had to lose XXXX dollars for nothing. The credit card company did not send me a notice in the mail regarding the dispute resolve until today I went to their dispute center and found out it was not in the favor of me the customer.
Consumer complaint received 2024-08-18
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (TX)

My Best Buy card was used on a purchase and I chose XXXX  months no interest. I was told after the XXXX  months the interest would start. Due to a Citi Bank policy change, Best Buy never knew about, after the time expired they charged me accrued interest and a fee totaling nearly {$700.00}. They also changed my monthly payment from {$110.00} to {$590.00}. 
I told them I was mislead on this and they said, " I should have read the terms. That's not their fault. '' So I cancelled that card and went to make my standard monthly payment. They have since called me XXXX times in the last XXXX days.
Consumer complaint received 2024-08-18
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: TRUIST FINANCIAL CORPORATION (AZ)

I had lost my job. Regional Acceptance Corporation advised me that I needed to pay {$180.00} to keep my vehicle since I had a new position. I paid {$190.00} to them. Today, I received a call that I was advised incorrectly. I needed to pay {$1800.00} to keep my vehicle. I stated I do not have that money. I will be paid on XX/XX/year> and can make a partial payment. I need to pay on my mortgage as well. I was told " that isn't good enough ''. I stated I made the payment I was first told to hold on to my vehicle, as long as I made payments. I was told " you're going to lose your truck now. I'm putting in for a repossession. ". 

I hung up. I will now be forced into bankruptcy since I will not be able to get to my job. I will also lose my home. 

Don't do business with Regional Acceptance Corporation. They will lie to you just like they did to me.