davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-07
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (WV)

Ive not had any prior issues with Capital One granted Ive only had an account for a small time now. On XX/XX/XXXX my beginning of the day available credit was {$770.00}. I went out shopping for XXXX gifts and before doing so called to tell you all of this and to see if I could do anything to pay off my balance and have my available credit adjust near instantly. The representative said that I could do a bill payment ( as Ive done before ) or wire transfer for almost instant posting. I went ahead and used my card and at the end of the shopping spree my available balance was {$67.00}. So to have this increased I went ahead and paid {$500.00} from my Capital One checking using bill pay. When I got home and was doing my budgeting I seen I had enough extra to go ahead and pay more so I paid another {$120.00} from my C1 checking bill pay. I wake up on XX/XX/XXXX to see my {$500.00} posted but not added to my available credit. I keep calling in to get answers and get a different response everytime! The most common ones is A ) the pending transactions in my account are effecting it B ) the money I used on XX/XX/05 included the {$500.00} I paid at the end of the day C ) the money is being held. As per Capital One terms of service they are legally obligated to not withhold any money that has been posted to an account from its available balance. Ive done this a few times when my available credit was low using bill pay from my Capital One checking and Ive never had my money withheld for more than 48 hours from my available credit. Not only is this wrong its illegal and shows Capital One violating their own Terms of Service.
Consumer complaint received 2024-06-21
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Americas Car-Mart, Inc. (AR)

XX/XX/2024 I am not a robot, Collection agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection on my consumer report.

I have not been given a chance to dispute account according to CFR 1006.34 ( c ) ( 4 ) ( i ) Collection agency is violating my consumer rights by using false misleading, representation and deceptive means.

Collection agency has no authority to furnish any account to a consumer reporting agency without providing any and all disclosures required by law and all disclosures required by law, and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A )
Consumer complaint received 2024-06-21
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (AZ)

I spoke with Navient on XX/XX/24 regarding an application for School Misconduct Discharge Application for my XXXX private loans taken out in XXXX when I attended XXXX XXXX XXXX XXXX XXXX XXXX is on their list as a for profit school that misled students. I applied for the XXXX XXXX XXXX under this same school for my federal student loans and was approved due to the fraudulent practices by XXXX XXXXXXXX XXXX. Navient will not send me the discharge application form, stating my private loans with XXXX XXXXXXXX XXXX don't apply for discharge but can't provide any information as to why. I then spoke with another Navient representative, XXXX XXXX, and she said it will be reviewed by their XXXX Department and it will be a couple weeks before I receive the application. I just want to make sure I do receive the application as no one I spoke to at Navient seems to know anything about private student loan forgiveness. Thank you for your time and assistance. 

XXXX XXXX
Consumer complaint received 2023-08-25
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (OH)

Gave this to an elderly couple as a wedding gift {$100.00} Prepaid Gift Card - VISA - US BANK bought at XXXX 's XXXX, OH XXXX. 
Couple gave card back to me. I called the number to have the card replaced. It was never used just for some reason stated it was compromised. 
I faxed over front and back of card, front and back of my driver 's license, activation receipt that showed the purchase and last 4 of the XXXX XXXX I purchased it with and transaction # s and the cardboard sleeve front and back card was in. Was told to wait 2 3 weeks. When I did not hear from them I called they said they could not read my driver 's license it was too small - blow it up 200 % send the request back and call within 48 hours because they can not call me- I have to call them nor can they fax back. Called again- they said they can not read the driver 's license too dark - lighten it up and fax back again. I did and even increased all attachments 200 % including gift card front and back, etc. Called today- now the credit card needs blown up again 200 % and lightened up and refax. This is the 4th time I have done this- I read scam after scam on the internet that US BANK does this and they repo the cash in their account and earn interest. I even mailed them a copy of all this information. Please get my {$100.00} back or a new card issued.
Consumer complaint received 2024-06-21
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Peer Advisors, LLC ()

Trouble communicating with Compulink/HUD. We have submitted all documents a year ago and just waiting for their short sale approval so we can sell the property, but we haven't received any good assistance from them. We even was passed on from one agent to another, just recently our new agent was transferred again, so we're back to square one. They are not answering calls, even though we have their extension numbers, no email replies, etc.
Consumer complaint received 2019-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

Equifax has failed to provide proper validation after repeated attempts in regards to Accounts for XXXX XXXX XXXX and XXXX XXXX. They continue to report these accounts after repeated attempts by me to send them letters from the debt collector and original creditor stating I am not responsible for these accounts. They are violating the FCRA by reporting these accounts erroneously. I have attempted to provide these letters repeatedly and have been given the run around by their customer care team. I am asking these be removed immediately as I have proof that I am not responsible for these accounts. On XX/XX/19 I sent a letter from XXXX XXXX XXXX being collected by XXXX XXXX   to show XXXX XXXX XXXX responded saying '' I am no longer responsible for this debt '' if this is the case Equifax is illegally reporting this account to my credit report. Also I sent a letter the same day from the debt collector on behalf of XXXX XXXX and they said the same I am no longer responsible for this debt. How then is Equifax allowed to report these debts when they are no longer valid?? I would like a response from them as to why they think they can continue to report these two accounts claiming they validated and I have letters proving otherwise. And continuosly denying that my letters dont change anything.
Consumer complaint received 2023-03-15
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. (CT)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Connecticut XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute the negative items on my credit report. My name is XXXX XXXX and I have identified several discrepancies in my credit history that require immediate attention. 

Firstly, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX have all made inquiries on my credit report which have reached the statute of limitations. Therefore, I request that you remove these inquiries from my report immediately. 

Secondly, I have identified several accounts on my credit report that I have no recollection of belonging to me. These include account numbers XXXX with XXXX XXXX XXXX, XXXX with XXXX  XXXX, XXXX with XXXX XXXX  and XXXX with XXXX XXXX. As I have no knowledge of these accounts, I ask that you remove them from my credit report as they are frivolous and inaccurate. 

I am eager to restore my credit score and hope that you will take immediate action on this matter. I appreciate your prompt attention to this issue and look forward to hearing from you soon. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-12-07
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Neon Newco Corporation (CA)

I arrived on US soil as a foreign national under humanitarian circumstances. Specifically, having been rescued from the ocean by the coastguard off the coast of California. I was dumped on the streets and have managed to receive some charitable assistance however, I realised that I needed a means to make a necessary purchase online.

I purchased a prepaid debit card from a XXXX store and paid {$65.00} plus the setup fee at the checkout. This was the majority of the meagre cash I had to survive. 

Only after opening the package did I discover that a US Social Security number would be required to use the card! being a foreign national, I have no such number, so the funds are now trapped in the card and the card is unusable. 

I asked the staff at XXXX to refund the {$65.00} I paid to them, but they refused citing ( reasonably ) that they can't tell if the card has already been used, so can't make the refund. 

I can't afford to lose {$65.00}, so I contacted the company by email and although they acknowledged the email, I have received no response to the complaint and request for refund.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (CA)

In accordance with the Fair Credit Reporting Act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I have spoken with all three agencies, XXXX, XXXX, and XXXX and asked for an investigation and reported that these accounts contain -fraudulent activity : Account name : XXXX XXXX XXXX # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-25
Product: Debt collection — Telecommunications debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Convergent Resources, Inc. (LA)

To dismiss the unjust Bill of {$84.00} for XXXX who gouged and harassed me with calls and slowing down data on my phone when bills have been timely paid. The worst was during hurricane Ida no power no water and NO PHONE because XXXX made another error on my Bill. This one had something to do with the password. I have several XXXX and challenges. It has been challenging to speak with someone competent or with patience to correct the many errors of this line. Several times a representative was incredibly difficult to understand, but they were kind regarding my challenges. However, their response was incomprehensible. 
I have Drs. Therapist and advocates who were quite aware and kept advising me to resolve this. 
Finally, my Dr. took the time out to switch my phone from XXXX to Consumer Cellular which cost less than half of what XXXX. 
I do not owe this amount or any other amount. 
I apologize for the lengthiness, its been awful. 
It would be more than fair for them to drop this debt.
Consumer complaint received 2023-11-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/2023, my XXXX phone and phone number were hijacked and I was unable to use my phone. I contacted my phone provider, XXXX, and informed them of the issue. I was then instructed to buy a new XXXX card. Unfortunately, this did not resolve the problem. 

On that same day, I received notification that my XXXX account was utilized to set up an XXXX account and subsequently used to sign into an XXXX XXXX. I do not own an XXXX and I have never had an XXXX XXXX account. It appears the hackers were able to use my personal information to create an XXXXXXXX XXXX and to gain access to my Chase Bank and XXXXXXXX XXXX  accounts. 

The hackers also deposited a fraudulent check for {$5000.00} payable to XXXX XXXX, and a fraudulent cashiers check payable to XXXX XXXX XXXX, to increase the amount of money that they could steal from the account. Their fraudulent indorsement of the check to XXXX XXXX said for electrical deposit only. I do not know anyone named XXXX XXXX or why Chase allowed that check to be deposited into my account. 

On XX/XX/XXXX, I reported the fraudulent activity to Chase Bank. 

On Monday, XX/XX/XXXX, I went to a local Chase branch and discovered that {$4000.00} was stolen from my account and that the account now had a negative balance of {$5600.00}. 

On the same day, {$2400.00} was stolen from my XXXX checking account. Thus far, XXXX has returned {$2000.00} of the stolen funds and is still investigating the fraudulent transfer of {$400.00}. 

On XX/XX/2023, I received a letter from Chase stating that my claim was denied because Chase found that the transaction ( XXXX ) was processed according to the information [ I ] provided or was authorized. The letter stated that I could contact Chase if I wish to review the information it used in its research. 

On XX/XX/2023, I filed a police report with the XXXXXXXX XXXX  regarding the identity theft that occurred on XX/XX/XXXX. 

I have followed up with Chase numerous times since then. I still have not been able to review any of the information or documentation it used in coming to its determination that no fraud occurred. 

On XX/XX/2023, I contacted Chase seeking clarification on the reason for my denied claims and to request copies of the documentation it used in its research. During the conversation with a Chase representative, I was informed that my Claim # XXXX, amounting to around {$10000.00}, was denied due to the payment being made via XXXX XXXXXXXX XXXX The transaction description read " XXXX XXXX. '' As I mentioned previously, I owned a XXXX phone during the time of the transaction, and XXXXXXXX XXXX XXXX  functionality is exclusive to XXXX. Despite my attempts to explain this to the Chase Bank representative, they ignored my statements and refused to provided me with any documentation supporting its contention that the transactions were authorized.
Consumer complaint received 2023-08-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (NY)

On XXXX XXXX My phone was lost and a couple of transactions that was unauthorized on my CHIME account which i disputed occurred, One transaction amounting to {$130.00} by cash app and the other amounting to {$14.00} by XXXX. After I filed the dispute on XXXX XXXX I was accredited by CHIME for both amounts back into my account while the dispute was being investigated. On XX/XX/2023 my dispute was approved by CHIME but for some reason CHIME took the {$130.00} and {$14.00} back out of my account at XXXX unexpectedly with no information following it. I immediately called CHIME as soon as I noticed and was put on hold for long periods and eventually I was hung up on by one of the CHIME customer service representatives. I then called back and was told the money was being reversed to permanent money instead of credit and Ill be receiving my money back by the end of XXXX XXXX or the next day XXXX XXXX but my money never appeared back into my account. I called CHIME on XXXX XXXX to see what was going on and they switched it to XXXX receive a email within XXXX hours. First I was waiting for my money to come with XXXX hours and now Im waiting for a email to come with XXXX hours. Still no information on when Ill receive my money.
Consumer complaint received 2023-08-25
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (FL)

I deposited a check from my uncle into my business account for {$40000.00} Citibank took the check and processed it. 3 days later all my accounts were frozen personal and business, I called the bank, and they claimed the check was fraudulent and a stop payment was put on the check. I went to the branch to speak with the manager, he informed me Citibank had not received any of the funds, after speaking with my uncle 's bank XXXX XXXX XXXX  ) they advised the funds were withdrawn from his account. Citibank said they were closing all of my accounts and withholding all of my funds for XXXX days. The following day I contacted the fraud department at Citibank, and they informed me they verified the account was legitimate and I can go to the branch to collect a check for my {$40000.00}. I emailed the branch manager to be prepared that I was coming to collect the check, he informed me that they would not be providing me with a check, and I need to call the fraud department again. Once again, I called the fraud department and they informed that they could not verify the issuer of the check even though I had the issuing bank and the writer of the check on the phone. They refuse to release the money or return it to the issuer. my problem is if they could not verify where the money was coming from and if it was a stop payment as they claimed, how can they withdraw {$40000.00} from my uncles account and hold it against us for XXXX days? that seems illegal unethical and deplorable. The banker laughed at me in my face and said good luck. No one will explain how they can take {$40000.00} from an account they can not verify and hold it against us or refuse to send it back to the issuer or myself. The fraud department is treating my uncle and I like criminals and I've lost out on a {$100000.00} sale for my business and all my personal bills were late I have no money or food because they closed my personal account for this.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

these hard inquiries don't belong to me, hasn't being authorized by me and has to be removed, also this as well. Thanks 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 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 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
Consumer complaint received 2023-08-27
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. (SC)

XXXX XXXX XXXX has reported late payments and late payments should not be reported. 
I received a copy of my credit report and I have found that in accordance to the FCRA you violated my rights under 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUTOUT MY WRITTEN INSTRUCTIONS. 

Pursuant to 15 USC 1666b 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. 

I NEVER gave You, OR the above listed creditors any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. Credit Reporting Agency has caused severe stress and anxiety due to the abusive and unfair practices. 

You should be ashamed of yourself for ASSUMING this role and position to constantly commit fraud and cause harm to consumers! These accounts are listed with late or missed payments and that is incorrect. According to the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed. 

DUE TO THESE VIOLATIONS OF MY CONSUMER RIGHTS, I AM DEMANDING THAT YOU UPDATE THE ABOVE LISTED LATE PAYMENTS AS OK OR PAID AS AGREED Best Regards, XXXX XXXX XXXX