davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-15
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CARD Corporation (OH)

I stayed in a hotel on XXXX that ran a preauthorization hold on the card ( I paid for the actual stay in cash ), the hotel charged {$46.00} but the card placed a hold on {$70.00} the hotel batched out but the charge stayed on my account as a " pending transaction '' for over a XXXX  and now it is no longer showing as a pending transaction or a posted transaction it's just gone but the money has not been returned to my balance. The card did this with some smaller transactions ( $ {$11.00} XXXX  for XXXX XXXX and {$7.00} for XXXX ) they are stealing money since this is a prepaid card they are just stealing the money and it's disgusting. I want my money back.
Consumer complaint received 2024-09-07
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Not associated with Address on file with PRA. PRA has made frivolous claims tht it hadnt received any correspondence about my dispute which would conclude to be false. PRA has violated FDCPA as outlined in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which states that a consumer report is a medium of communication and thus subject to cease and desist requirements. Furthermore, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MS)

15 U.S.C 1 681 section 602 A. States I have the right to privacy.

15 U.S.C 1 681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation 15 U.S.C 1 681 section 602 A. States I have the right to privacy.

15 U.S.C 1 681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Delete this account immediately, unless you want to be held {$1000.00} per violation 15 U.S.C 1 681 section 602 A. States I have the right to privacy.

15 U.S.C 1 681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1 681 section 602 A. States I have the right to privacy. 
XXXX  ( Bank ) XXXX XXXX XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX XXXX ( Miscellaneous ) XXXX XXXX XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX XXXX XXXX XXXX  ( Bank ) XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Mr. Cooper Group Inc. (NV)

I sent in check XX/XX/XXXX to bring account to full terms. Check mail was received XX/XX/XXXX and not caused. I called XX/XX/XXXX asking why check not cashed was told will followup with person in charge. I called again XX/XX/XXXX asking why check not cashed since sent XX/XX/XXXX and was told loan reference to foreclosure and lawyer fees will be {$2600.00} in addition to {$21000.00} owed payments. 

This is fraud and scam, I want a full review, lender withheld check to make sure date went by to add fees, deceptive and very fraud. Had issues since loan got transferred to this lender XXXX XX/XX/year>. XXXX XXXX XXXX with Rushmore Mortage is a very cruel human being, he has no empathy, he was very rude to me each time I spoke to him, very dismissing and acts in cruel intentions, he single handedly withheld check received to have days go by to have loan go into foreclosure to add fees to make it hard for me. He rejected check I sent in only to add additional fees and make it hard for me to regain my home. This company and man is cruel. He is XXXX amd bias towards me individual. I will be filing a lawsuit against him specifically.
Consumer complaint received 2024-09-07
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Consumer Portfolio Services, Inc. (TX)

XX/XX/XXXX XXXX I requested information that states this collection belongs to me i ask for a copy of their license to collect in Texas, a copy of the chain of command, copy of the purchase agreement based on the law listed they are in violation of this law if they are not about to prove that this account belongs on my credit report.

USC 1681c-2 is a section of the US Code that relates to the block of information resulting from identity XXXX. It requires that a person who furnishes information to any consumer reporting agency should have reasonable procedures in place to respond to any notification that it receives from a consumer reporting agency under section 1681c2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information3.
Consumer complaint received 2024-09-06
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 (CA)

Between XX/XX/year> and XXXX an inquiry made by SYNCB and XXXX XXXX was added to my credit report. I did not authorize or apply for credit. My credit score dropped XXXX points.
Consumer complaint received 2023-03-14
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. (IN)

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXXXX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-06
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc. (WA)

Besides acquiring XXXX plus military credits, and over XXXXXXXX XXXX and XXXX XXXX credits especially from XXXX who went to various schools from universities/private, and online or brick and mortar colleges. 

Even as a transfer student with transferrable credits who was ripped off financially from XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX who was also owed a Bachelor in XXXX XXXX, which was never delivered. I even went to XXXXXXXX XXXX who stabbed me in the back because that is what they do who mascot is XXXX where I had XXXX credits who was suppose to receive a XXXX in XXXX XXXX or XXXX XXXX/minor in XXXX XXXX XXXXXXXX who exited out the program. 

I lost thousands of my XXXX XXXXXXXX both XXXX  and Post XX/XX/year> as the VA also calls it XXXX XXXX XXXX XXXX, and not that I am XXXX, unemployable who lost two XXXX degrees illegally taken away from me by a XXXX XXXX XXXX XXXX XXXX with a minor in paralegal/criminology, and XXXXXXXX XXXX who can not even pay off the rest of his tuition as I am close to XXXX where the current US president , and vice president was suppose to help people like me absolved of all my collegiate debt, which keeps failing at the Supreme Court XXXX I am owed thousands of dollars I never seen a refund check owed to me for being XXXX in debt plus interest in excess of student loans with two missing Bachelors degrees.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (NV)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (FL)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-06
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (IA)

On XX/XX/XXXX Navient discharged my Private loans due to school misconduct under the FTC 's Holder Rule. The law allows me to receive a refund of payments made on the fraudulent loans. I sent a demand for refund letter to Navient on XX/XX/XXXX and have not received a response. I attended XXXX XXXX XXXX XXXX XXXX XXXX in XXXXXXXX XXXX XXXXXXXX. I have two XXXX XXXX Private loans issued through XXXX XXXX and transferred to Navient in XXXX. XXXX, XXXX XXXX XXXX, and Navient all engaged in deceptive, misleading, and fraudulent activity to entice me to take out these predatory private student loans.
Consumer complaint received 2024-09-11
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK (CA)

On this XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, I spoke with 2 service representatives and 2 supervisors with Discover card Services regarding how they calculate interest rates on my 2 card accounts, and how they apply minimum payments to interest bearing and non-interest bearing balances. When they provide you an incentive for XXXX interest purchases, they have a disclosure before they make the offer effective on the phone. That disclosure does not explain how they pay-down previous interest bearing balances. This is crucial and must be disclosed. I asked the supervisor for the recording of my offer acceptance and she refused to provide the audio recording of my consent. I want this audio to prove to you that such disclosures are not made and consumers are being defrauded by yet again another CC company.

Here is what I found out. I have essentially 3 different balances on one of my Discover Credit cards. These balances are separated between interest bearing, new interest bearing purchases, and non0interest bearing purchases that are on a one-year special XXXX  interest promo. 

Here is my issue with how Discover Credit Card applies my monthly payments. Discover Card services sent me my monthly online statement ( see attachment ). The minimum payment currently required for the entire balance of {$18000.00} is {$370.00}. The balance of {$18000.00} can be broken down into three categories : 1 ) Balance left over after XXXX interest promo expired of XXXX is {$8200.00} 2 ) Second balance are purchases made after promo offer expired of {$4500.00} 3 ) Third balance are purchases after the recently reactivated XXXX Interest from XX/XX/XXXX, until XX/XX/XXXX which currently has a balance of {$3900.00} Please find attached statement for you to review the above figures.

Now we come to the heart of the issue. If you look at the statement, it asked for a minimum card account payment of {$370.00} on XX/XX/XXXX ( neither the system, the reps, or the statement tells you how discover applies the monthly payments ). The payment is not applied to the varying balances. NO, it applies the entire {$370.00} to the most recent ***non-interest bearing balance***, which leave the previous interest bearing balances in place and accumulating interest. *** this is nothing short of Credit Card Fraud.

When discover offers c consumer " XXXX Interest '' over a period ion time, the agents do not disclose this very important fact. This must not happen, or at least consumers should be fully aware of such deceptive practices.
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

I have accounts opened in my name while I was XXXX, XXXX XXXX, XXXX XXXX XXXX. I have tried to resolve this issue for months now. I have submitted FTC reports, Police reports, etc. Nothing has happened.
Consumer complaint received 2024-07-05
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 2024-09-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AmeriCollect (IL)

I HAVE NO IDEA OF WHO THIS COMPANY NAME AMERICOLLECT IS AND I NEVER HAD A WRITTEN R VERBAL RELATIONSHIP WITH THIS COMPANY AND THIS COMPANY AMERICOLLECT HAS REFUSED TO PROVIDE PROOF THAT I OCCURRED THIS FRAUDULENT DEBT WITH MY SIGNATURE, THEREFORE I COMPLETED A XXXX XXXX XXXX XXXXXXXX XXXX XXXX AND FTC COMPLAINT AND THEY STILL REFUSE TO REMOVE FROM MY CREDIT REPORT WHICH IS PREVENTING ME TO PURCHASE A NEW HOME. AMERICOLLECT DOES NOT BELONG TO ME AND I DO NOT OWE {$870.00} DOLLARS TO THIS FRAUDULENT COMPANY- PLEASE HELP SO I CAN PURCHASE A NEW HOME FOR MY FAMILY.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Paramount GR Holdings, LLC (DE)

On XX/XX/year>, I arranged payment plans with GoodLeap and enrolled in autopay, with the assurance that payments of {$110.00} would be automatically withdrawn. However, last month, GoodLeap reported my account as late to the credit bureaus. Instead of honoring the autopay agreement, they repeatedly emailed me, requesting my zip code to process the monthly payment, which I had already set up as agreed. This is ridiculous! In XXXX they took 3 payments from my account, I had to file a complaint to have the 2 of the payments refunded.
Consumer complaint received 2024-09-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (HI)

I received a call from who I thought was a Wellsfargo representative named XXXX XX/XX/24. She told me there was fraudulent activity on my card and someone had access to my online banking account. She claimed in order to protect my account I need to close my old checking account and wire transfer my funds into a new checking account. She sent me verification codes through text messages, and directed me on the wire transfer. She then told me a Wellsfargo representative will call me within XXXX hours to confirm this transaction. 

On XX/XX/XXXX, I did not receive a phone call so I called Wellsfargo and they confirmed no new checking account existed but that the wire transfer happened and was sent to a XXXX XXXX to a person named XXXX XXXX. I then filed a fraudulent claim that I did not know this person and sent it under false pretenses. In addition, I filed a theft police report. 

I called Claims dept on XX/XX/24 to check the status and the representative said they contacted XXXX XXXX. XXXX XXXX reported no return of funds that were stolen. Therefore, Wellsfargo will not refund me the stolen amount.
Consumer complaint received 2024-09-09
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

On XX/XX/year>, I submitted a dispute to XXXX XXXX  and Portfolio Recovery Associates ( PRA ) regarding two accounts : XXXX XXXX  secured account ending in XXXX Capital XXXX unverified account ending in XXXX For the Capital One secured account ( ending in XXXX ), I provided a {$1000.00} security deposit when I opened the account. This deposit should have been applied to the account balance or refunded upon closure. However, XXXX XXXX failed to apply the deposit or refund it to me when the account was closed. Portfolio Recovery Associates ( PRA ) then purchased this account, but neither company has addressed the missing security deposit. 

For the XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ), I do not recall opening this account, and I requested validation of the debt. Despite this, PRA has only provided statements, which do not meet the legal requirements for debt validation under the Fair Debt Collection Practices Act ( FDCPA ). I have not received original contracts or any proper documentation verifying this account. 

Portfolio Recovery Associates continues to report inaccurate information to the credit bureaus despite my multiple disputes, and they have not properly verified the debts. Their failure to provide adequate validation has caused harm to my credit profile. 

Actions Taken : On XX/XX/year>, I disputed these accounts with XXXX XXXX and Portfolio Recovery Associates, asking for proper validation of the debts and the application or refund of the {$1000.00} security deposit for account XXXX. 
On XX/XX/year>, I followed up on my dispute as the accounts were still inaccurately reported on my credit profile. 
Amounts in Question : XXXX XXXX XXXX XXXX XXXX XXXX balance and a {$1000.00} security deposit that was not applied or refunded. 
XXXX XXXX XXXX XXXX : {$460.00} balance. 
Despite my multiple requests, these accounts remain unverified and inaccurately reported, and I am requesting immediate deletion of the accounts from all credit bureaus and resolution of the security deposit issue.
Consumer complaint received 2024-09-09
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (KY)

I opened a XXXX Credit card back in XXXX of 2022 and bought one item on it. I have been making monthly payments in accordance to the agreement. They now want to charge me {$1.00} each month for a paper statement. That was not part of the agreement that I agreed to in 2022. I have not purchased anything on that account since it was opened and I don't know how they can all of a sudden change the terms. It seems this should be illegal.
Consumer complaint received 2024-09-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (OR)

I have a XXXX XXXX XXXX that makes transactions through VENMO. I have a large ammount of money put in my VENMO account through purchases. VENMO has now frozen my account and I am unable to extract these funds with no explination as to why. I have provided them with all documentation as requested ( bank statments, letter from my bank, ID, etc ). They have infomed me they will have no further correspondance with me with no explination as to why, if my funds will be returned, what my next steps in the process are, etc. I have emailed several times, made multiple phone calls, all with no answers. I have read on XXXX  about multiple similar accounts having the same issue. This is completely unacceptable as my money has been essenatiall stolen/ held hostage as they make interest/ investments with my money. It is no different that robbing an ATM or stealing someones credit card.
Consumer complaint received 2024-09-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: First National Collection Bureau, Inc. (SC)

The Original creditor was XXXXXXXX XXXX  this account was paid but did not credit the account, many attempts with the original creditor to resolve were ignored. This debt has been sold more than once. This account has been paid.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Spring Oaks Capital, LLC (PA)

Please consider this my official cease and desist notice. Please cease all communications immediately through any form of communication. Under 15 usc section 1692 a ( 2 ) The term " communication '' means the conveying of information regarding a debt directly or indirectly to any person through any medium. Which also includes the credit reporting agencies.
Consumer complaint received 2024-09-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Payward Ventures Inc. dba Kraken (TX)

Commencing on or about XXXX XX/XX/year>, I fell victim to a multi-layered scam operation run by a group of scammers ( the Company ), which involved me making deposits for a total amount of XXXX USD from my Kraken account to a fraudulent investment firm ( s ).
Consumer complaint received 2024-09-09
Product: Debt collection — Rental debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CA)

according to 15 USC 1692 c, 15 USC 1681B 18 USC 1028A, I never received anything in mail. They keep sending me emails saying theyre trying to get in contact with me to have this matter resolved. I keep informing them that I did not debt. I never applied for any rental and I asked them to send over A debt validation certified they never did so they keep emailing me and that is not a proper way to give me a validation. I also asked for a wet ink validation to see where I signed this lease agreement, I never authorize anyone to open anything in my name. Also had a father alert on my credit report and they still went ahead and ran my credit and now I have this collection on my current report thats causing harm from me trying to obtain any type of credit.