davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-22
Product: Credit card — Store credit 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 (IN)

Had ordered their lifetime service from the company " XXXX XXXX '', for the XXXX XXXX XXXXor {$1500.00} via PayPal Credit on XX/XX/23, being assured that you would be able to make your money back to pay back PayPal Credit within 6 months, and even had a calculator to see what you'd expect for average returns. Wasn't able to start with the service until a week after purchasing the service, was told and also got reconfirmation from the merchant, that since my bot service hadn't been started yet, would have 30 days from the activation date to cancel and get my refund. Come 30 days later after activation of my service, came to check out the performance, with the gains being nothing close to what was being advertised, and would take approximately 10 years to finally pay off the lifetime service at that rate to PayPal Credit. Emailed their billing department for a cancelation and refund, they cancelled my lifetime service, but then didn't issue my refund on their 100 % money back guarantee. Filed a dispute with Synchrony Bank 's PayPal Credit, only to discover that the merchants are using the policy to protect themselves from having to give back money that people have invested with them under false pretenses, while telling the bank, various excuses as to why they shouldn't pay via, customer is outside of 30 day policy limit for refund, when verbally instructing customer to refund outside the policy limit before they'd " issue a refund '', claiming customer didn't return merchandise, when it was a service, with nothing to return, etc, have been dealing with this endless loop of disputing for a whole year now, and am just wanting my refund, since this has been negatively damaging the personal credit, while am not trying to pay for a subpar lifetime service that I'm not receiving, nor even received a product like they claim, but still required to pay for something that with no sustenance. Would like some help getting my money back from this Ponzi Scheme merchant, that has been conducting bad business via fraud, and is being willfully non-compliant. Have submitted numerous documents to Synchrony Bank, proving beyond any reasonable doubt that fraud is being conducted by the merchant, and yet nothing is being done to resolve this case of bad business, that's damaging the credit report
Consumer complaint received 2024-06-24
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. (FL)

I look at my account in notice inaccurate information are being reported as 30day late but I was never late I also disputed Mutiple times on this account XXXX XXXX XXXX XXXX XXXX I try to resolve this issue Mutiple time in they said account is accurate I even show them proof of inaccurate information being reported they didn't provide me detailed description of all procedures used in the process to determine complete accuracy of information reported here goes my attachment of inaccurate information I circle being reported on XX/XX/year> 30 days late that was never late
Consumer complaint received 2024-09-19
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (GA)

This company has impacted my credit score and I have no contract with them. I am requesting that this be removed from my credit score. The companys is Columbia debt recovery for XXXX.
Consumer complaint received 2024-08-15
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: Experian Information Solutions Inc. (SC)

I have asked 9 times verbally over the phone and XXXX times in writing to remove all dispute wording from my credit reports. I cant get an equity loan with my home lender until this takes place. This has caused an economical hardship for me and my family.
Consumer complaint received 2024-09-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (IL)

Most information I have received are complaints and inquiries including nelnet XXXX XXXX XXXX XXXX discharge. I asked if they could verify the XXXX XXXX XXXX XXXX with XXXX XXXX because the loan status changed from paid to XXXX XXXX XXXX  XXXX Nelnet sent a payment history and said XXXX XXXX XXXX  were not included in the XXXX XXXX XXXX XXXX. Understanned the bann from Federal student aid published on XXXX ( payments ) that XXXX XXXX XXXX XXXX would fall under social security administration to verify XXXX. Nelnet is a different student loan servicer from the payment history sent to me it appears loans were written off more so than paid.
Consumer complaint received 2024-06-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (TN)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-10-03
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Self Financial Inc. (VA)

This debt collector has engaged in practices that violate the Fair Debt Collection Practices Act ( FDCPA ). They have reported an account that I did not consent to, and there is no signed agreement from me authorizing it. A valid legal contract requires the signatures of both parties, and I was not involved in such an agreement. Furthermore, they failed to adhere to the proper 5-step validation process as mandated by the FDCPA. These actions clearly infringe upon my rights under the law, and I am entitled to compensation for these violations. I demand the immediate removal of this accountfrommyrecord.
Consumer complaint received 2024-07-15
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: CAPITAL ONE FINANCIAL CORPORATION (NC)

Capital One Is Trying To Sweep My Dispute Under The Rug And Close It Out In A Jiffy. I Spoke With An Alleged Supervisor Today Named XXXX, Who Was An XXXX XXXX XXXX Human Being. XXXX XXXX XXXX, Antagonistic And Argumentative, He Showed No Empathy, Understanding Or Compassion For My Situation. I Have Called In To Capital One On Several Occasions To Clear Up This Dispute With XXXX And Every Time I Call In, I Get The Run Around Or The Reps Say I Need To Submit Another Piece Of Documentation. Capital One Is Not Protecting Their Members/ Customers From Merchants Who Are Not Rendering Services To Them. 

I am disputing the charge of {$300.00} with XXXX because services were not rendered to me. First of all I reserved a gas vehicle, a XXXXXXXX XXXX when I got to XXXX, the representative stated that there were no more gas vehicles available. Then she turns around and gives a XXXX XXXX a gas car, away right in my face to another person. The representative at XXXX then said all she had left was an electric vehicle, a XXXX XXXX XXXX. 

This was my first time ever renting and/ or driving an electric vehicle, what the representative failed to tell me was that the vehicle took 8 hours to charge. This was a huge negative impact on me being able to drive and make money efficiently with XXXX ; because with a gas vehicle, I can just gas up and go, with an electric vehicle i was unable to drive for 8 hours while the vehicle needed to charge. On top of that, the vehicle stopped working and had to get towed back to XXXX, the vehicle was towed by XXXX XXXX, XXXX phone number XXXX. I submitted proof to Capital One taht the vehicle was towed back and it's still not enough for some reason, they have me jumping through hoops of fire when it is really simple, the vehicle stopped working and had to get towed back to XXXX, therefore service was not rendered because I was not able to use the product that I rented from them. I tried to work with XXXX, but they refuse to do the right thing and refund me my money back for all of my problems that I had with them. 

This is not right and Capital One needs to do the right thing. The best number to reach me on is XXXX
Consumer complaint received 2024-07-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (PA)

I have received a collection on my credit report from LVNV Funding LLC. To my surprise, they are reporting this account incorrectly as it is shown as being open as well but also show a balance in the amount of {$640.00}. Please remove this account from my credit report immediately. Please provide me with a copy of my updated credit report with this removed off. I dont even have an account open with this credit card company so please remove it from my account. It is not mine nor anybody i am associated with. I have tried once before with this credit collection agency and it still shows as a collection on my credit report. I do not owe any money. Please remove this off of my credit report once and for all. This company is reporting inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of these documents and such account because i know for a fact i do not owe. I do not have a contract with LVNV funding LLC.
Consumer complaint received 2024-07-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Paramount Recovery Systems, L.P. (GA)

I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

PARAMOUNT RECOVERY SYS
Consumer complaint received 2024-07-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

On XXXX XXXX I hired XXXX XXXX to pick my items on storage and ship to wa state. The sales person took my information and square footage of my storage unit and gave me a quote with the remaining balance being {$1100.00}. When I arrived in XXXX Texas on XX/XX/2024, the transportation workers told me that I would have to pay a lot more than I was quoted for the amount of items that were in the unit. The people in office quoted me wrong. they failed to pick up my items and deliver them to Washington state as agreed. When I disputed the transaction twice, the bank told me that there was nothing I could do as I agreed to the payment. But the service was not completed.
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Bank of America is inaccurately and incorrectly reporting information on my credit report which is damaging my credit score. The date of last activity is incorrect, the date reported is wrong, the date opened is incorrect and the last payment is inaccurate which is a violation of the FCRA and FDCPA
Consumer complaint received 2023-06-30
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. (TN)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account name : # XXXX of XXXX XXXX XXXX  15 U.S.C 1681 section 602 A. States I have the 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
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 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: FinCo Services Inc DBA Current (FL)

When reviewing my credit report, I noticed a new credit card account was opened fraudulently XX/XX/year>. I reached out to the credit burea ( XXXX XXXX ) who told me I needed to file a report with the FTC in order for them to be able to take action. I also reached out to the credit card company ( Current ) who told me they could not give me any information but the fraud department would email me within a few days. Let me know what other information you need. Thank you
Consumer complaint received 2021-02-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (WI)

On XXXX my XXXX closed on a home-sold a property. Navy Federal Credit Union max check deposit is XXXX. XXXX XXXX of XXXX Wisconsin provided three escrow checks. I deposited on XXXX a check in the amount of {$28000.00} and {$50000.00}. I called NFCU and the representatives waive my ability to deposit both. On XXXX my account showed two transactions of {$220.00} made available to me. On XXXX evening my acct was negative {$49000.00}. I have called numeral times and sent messsges, however the bank just states its their process. I disagree that a check hold would put anyones bank in the negative. This is a bad business practice, I received no warning and NFCU should correct their collection process.
Consumer complaint received 2024-07-08
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: Experian Information Solutions Inc. (FL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX  days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since it has been over XXXX  days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (WI)

no resolution file since XX/XX/year> turned over to FAIR XXXX  REPORTING COMMITTEE..LEGAL Complaint HIRE ATTORNEY. Requesting damages due to inquires and being Denied by different companies XXXX XXXX XXXX all denial notice received XXXX XXXX is aware FRAUD-ALERT. Been place on the account AFTER. speaking to XXXX XXXX  REP. VERIFIED on phone stated no name showing on the accounts or payment history Shortly l received a letter in the mail from XXXX. XXXX DATED XX/XX/XXXX REQUEST ENTIRE ACCOUNT? s.attached below? No name shows on the letter REQUEST ENTiRE BILL.Which isn't considered accurate verification. SINCE XX/XX/year> finger hut web bank. Is reporting twice on my credit report ... .all XXXX credit bureaus. requested. Money. Unable Verify? informations shown on the account l have been denied by different companies also inquiry besides XXXX XXXX XXXX XXXX XXXX collect money? ... that not owe Selling the accounts different. Collect XXXX who stated all information was received. From web bank.? Who's showing No name address ssn payments history.? ONLY PAYMENT SHOWS WHAT OWED? a printout.provided i XXXX. Rep phone conversation. complaintive companies do there own investigation .not the reportin companies attached information below
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo 15 year fixed mortgage in place for 12 years. No escrow account. Wells set up an escrow account without my knowledge or consent in XX/XX/year>. Then misapplied the principle/interest payments to either the escrow account or left it misapplied. This resulted in it appearing that monthly P and I payment was late. After I called Wells Fargo XXXX times over a 6 month period -- they finally closed the escrow account and confirmed that the account was up to date in terms of payments. They refuse to contact the credit agency and withdraw 1 month of late payment. This dropped my credit score XXXX points and I am currently in escrow on a new purchase. This has the potential to cost me money on loan financing and is an inaccurate entry on my credit score. I want them to correct this inaccurate reporting. I also want them to apologize for having put me through this ordeal and being subjected to their incompetence. 

Thank you XXXX XXXX
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CBC Companies, Inc. (TX)

The personal information on my report is wrong. The only personal information that should be on there is my name and current address. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Please delete all names and addresses that are not the ones I just listed. Any phone numbers and jobs need to be deleted as well as they are all wrong.
Consumer complaint received 2024-09-13
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (VA)

I have had 6 private loans originally secured from XXXX XXXX totaling {$60000.00}. 4 were forgiven in 2022 and 2 remain a total of {$100.00}, XXXX. That's more than tripled in interest from two loans of {$16000.00}
Consumer complaint received 2024-09-12
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (PA)

Navient placed by student loan from XXXX into forbearance at around roughly XXXX and did not inform me that it was accruing interest. It was roughly in XXXX that I was sent a letter that my loan was coming out of forbearance and the loan had ballooned from {$XXXX} to {$XXXX}. Payments were almost {$XXXX} and I had to refinance in order to make payments. I refinanced with XXXX which is also a sister company of Navient. My parents and I were not properly informed of options and interest costs. My parents were forced to file XXXX  a few years ago but this loan was not allowed to be part of that settlement.
Consumer complaint received 2024-09-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (IL)

I am writing to formally address a concerning issue regarding the wrongful closure of my Cash App account. I recently received a notification indicating that my account was closed due to a purported violation of XXXX XXXX policies. I am confident that this closure was a mistake, and I am seeking a thorough review and reinstatement of my account. 
I have been a loyal Cash App user for several years, during which I have always adhered to the terms of service and have not previously encountered any violations. The sudden closure of my account has caused significant disruption, particularly because I rely on Cash App for crucial financial support to my family members both in-state and across state lines. The inability to send funds swiftly has impacted my ability to support my loved ones during critical times. 
Additionally, I operate a business where most of my customers use Cash App for transactions. The integration of Cash App as a payment option is vital for the growth of my business and for providing a seamless payment experience to my customers. The absence of this service has created complications and negatively affected my business operations. 
The situation is particularly distressing because I believe that my account was wrongfully flagged. Under criminal law, it is prohibited to falsely accuse someone of a crime they did not commit. Similarly, being wrongfully accused of violating your policies and having my account closed without clear justification is both unfair and detrimental. I am prepared to provide any legal documentation or transaction history necessary to clarify any misunderstandings that may have occurred. 
Given my long-standing relationship with Cash App and the critical role it plays in my personal and professional life, I am requesting that you review my case with urgency. I am willing to provide identity verification, and any additional business information required to facilitate this process. 
I sincerely hope that my account can be reinstated so I can continue to support my family and manage my business effectively. I would be extremely grateful for your prompt attention to this matter and for the opportunity to resolve this issue.
Consumer complaint received 2023-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXX XXXXXXXX. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 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.