davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-01
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I have contacted Capital One multiple times regarding the account ending in XXXX. The account is now too old to be on my credit report. According to their information, which somehow differs from the statements Capital One themselves provided me Capital One claims my first delinquency was not until late XXXX I believe and therefore it will remain on my reports until XXXX. However, the statements they provided do not reflect that. I received a letter from Capital One stating that negative accounts will remain for XXXX XXXX  from the date of the first delinquency. Every time I call I ask if they can view my statements, but I am told they can not, and all they offer is to open a dispute. I have opened multiple disputes and they tell me if they need additional information I will be contacted, which of course never happens. There is not XXXX XXXX  delinquency they are missing but they are missing many not just the XXXX XXXX  I attached. In the XXXX letter, the first delinquency is more than XXXX years old. In addition, my credit reports regarding this account are consistently incorrect. In addition, an XXXX dispute shows they changed the earliest delinquency date yet did not change the Date of XXXX delinquency ( XX/XX/XXXX ) or the Date Major Delinquency XXXX reported ( XX/XX/XXXX ). How that was not changed is clear incompetence but how can the First Delinquency occur during the same period as the Major Delinquency? This makes absolutely no sense at all. And I have been fighting to get this corrected for over a year.
Consumer complaint received 2024-03-26
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

This is the first time we have not received our rewards check and have been a customer of Captial One for several years. Every time we would get a rep or " supervisor '' on the phone, NO ONE could answer why the check wasn't arriving. An email would arrive saying the check had been sent, then approximately 3 weeks later another email would say the check has been canceled. No one seems to be able to explain why the check is not being cut, sent or tracked.

If I missed a payment for this many months I would be charged an high interest rate.

How many other peoples rewards are being held captive with no interest?

My account is paid in full every month.

I do not want to apply this to an outstanding balance. I want my cash back!
Consumer complaint received 2024-04-30
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. (FL)

I recently checked my credit file and saw some items that are incorrect. I tried reaching out to the bureaus, for these items be corrected but it is now taking some time. I need some results, as my life is now being affected negatively due to these items. These items are incorrectly reported, thus damaging my credit profile. Because of these, I am unable to find a job, unable to find a house. 

I need your help, for my rights to be considered. Please help get these items corrected and updated on my report.
Consumer complaint received 2024-04-30
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

I've consistently made timely payments on this account, avoiding any overdue charges. However, I'm uncertain why there are reports of late payments on my accounts. According to 15 USC 1666b - Billing Error, this should be rectified.
Consumer complaint received 2023-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (FL)

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 USC 1681. XXXX XXXX XXXX XXXX infiniti fin svcs # XXXX U.S.C 1681 section 602 A. States I have the right to privacy.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 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I have sent multiple documents to get this account resolved, but nothing seems to work. The debt collector has been reporting a different account balance every month for the past 4 months, which is impossible because this account is charged off and closed. And Equifax has allowed this to happen repeatedly. They are not following proper FCR laws, The account balance should not update or change. Additionally, the date the account was opened is incorrect. I kindly request that you delete this account.
Consumer complaint received 2023-06-22
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. (GA)

I have one account with XXXX XXXX XXXX XXXX ; that account is open, and that account is not late 30 to 60 days Yet this one XXXX XXXX XXXX XXXX Account reports in duplicate on two crediit Bureaus and three times on the third credit bureauu. Each and every time this reports, it reports incorrect status, closed, written off, charged off, the balance is incorrect on each and every one of them, and they all report written off as recently as last month and late 60 days this month. Everyone of these derogatory items is incorrect Credit bureaus will not look at my paperwork and correct the balance. SEE ATTACHED Credit bureaus will not look at my paperwork and correct account as being an open account. SEE ATTACHED Credit bureaus will not delete duplicate or triplicate accounts from my credit report. These duplicate or triplicate accounts are obvious on their face because theyre all were opened the exact same date in the exact same amount... .Insane to continue to report more than once every time they get XXXX XXXX to confirm it, they just make all the derogatory items worse, and everything gets worse when reported on crefit reports
Consumer complaint received 2024-05-28
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Navient Solutions, LLC. (MD)

In XXXX, I took out student loans for {$39000.00}. Since I have paid {$37000.00} in interest and {$6900.00} in principal, I still owe {$41000.00}. I owe more than I started with, even after spending almost the entire amount. Now, to understand, yes, I was late on loans ; I was in school and not working. Or I was just not able to pay what they were asking. I have tried working with Navient so many times. Navient talked me into refinancing my loans, and now I think they are more interest ; it states it was all from the same college, but I can't prove it is not. I know I did not take that many classes from XXXX. 
Here are the loan details. information XXXX Sallie Mae Smart Option XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Loan Status Repayment Estimated Payoff Date XXXX/XXXX/XXXX {$9500.00} 5.750 % XX/XX/XXXX Hide more information XXXX Sallie Mae Smart Option XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Loan Status Repayment Estimated Payoff Date XXXX/XXXX/XXXX {$4500.00} 5.750 % XX/XX/XXXX Hide more information XXXX Sallie Mae Smart Option XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Loan Status Repayment Estimated Payoff Date XXXX/XXXX/XXXX {$13000.00} 5.750 % XX/XX/XXXX Hide more information XXXX Sallie Mae Smart Option XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Loan Status Repayment Estimated Payoff Date XXXX/XXXX/XXXX {$13000.00} 5.750 % XX/XX/XXXX I do believe I have paid what I owe, XXXX  Navient is expecting way more than triple for my loan.
Consumer complaint received 2023-05-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (LA)

Was given a letter two weeks before closing account that chase has closed ALL of my accounts with no further explanation. 
Called multiple chase numbers for my personal and business accounts and they refused to conduct a secondary review and would not give any explanation. DO BETTER CHASE! This is ridiculous!
Consumer complaint received 2023-06-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: W&A Intermediate Co., LLC (TN)

I had an emergency visit to the hospital at the beginning of last year ( XXXX ) for an XXXX. After the visit, I coordinated with insurance on all my coverages and got my medical bill situated a couple months later after back and forth with the hospital and the insurance company. On XXXX, I receive a phone call from Wakefield and Associates regarding an unpaid balance from the hospital that was taken to collections. The total amount stated was {$1200.00}. I was unaware that I had an outstanding bill or that it was sent to collections. I researched the company ( Wakefield and Associated ) and was overwhelmed by the negative public reviews and XXXX complaints. During the call, I asked the employee on the phone to send an invoice through physical mail so I could validate this claim. They pulled up an incorrect address in which I gave them my actual address. As of XXXX, I have not received a letter from them. I did not receive any physical mail, email, text or phone calls prior to phone call with this company. As of XX/XX/XXXX, collections has been reported on my credit and I have taken a significant hit on my credit score.
Consumer complaint received 2023-07-13
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. (FL)

I am filing a complaint against Equifax for their continuous violations of several federal laws that are designed to protect consumers like me. These laws include 15 USC 1681 section 602a, which mandates that credit reporting agencies maintain accurate consumer information ; 15 USC 6801, which establishes privacy and security standards for consumer financial information ; 15 USC 1681 section 604a section 2, requiring a reasonable investigation of consumer disputes ; 15 USC 6802 ( b ) ( c ), which demands comprehensive information security programs ; 15 USC 1681C ( a ) ( 5 ), prohibiting the reporting of outdated information ; 15 U.S. Code 1681s2 ( A ) ( 1 ) A, outlining responsibilities in investigating and correcting inaccurate information ; 15 U.S. Code 1681e, requiring accurate reporting of credit information ; and 12 CFR 1016.7, mandating a reasonable investigation of disputes within 30 days. Despite my attempts to address the inaccuracies on my credit report, Equifax has failed to take appropriate action to rectify the situation or comply with these federal laws. I request that the Consumer Financial Protection Bureau conducts a thorough investigation and holds Equifax accountable for their unlawful practices, including the removal of inaccurate information and appropriate penalties for their violations.
Consumer complaint received 2024-01-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/XXXX, a bank transfer came into my checking account from XXXX XXXX from a company called XXXX XXXXXXXX XXXX  XXXX. Bank of America cleared the transfer in the amount of XXXX without contacting me as being unusual activity in my account. On XX/XX/XXXX ( 26 days later ) XXXXXXXX XXXX came and took the money back as an unauthorized transfer. Bank of America froze my bank account with my Social Security XXXX XXXX being in process. I went to the Bank of America and my debit card was confiscated, and I wasn't allowed to have my XXXX check in the amount of {$920.00}. The fraud department wouldn't talk to me, and didn't return my calls. Another department told me it would be 90 days of an investigation to resolve this. On the XXXX th day, I received a phone call from a detective who asked me questions I answered to the best of my ability. I was receiving letters and statements for a few months until Bank of America closed my checking account, and said they would be mailing me a cashier 's check in the amount of {$920.00}. I never received the check, called and asked what address they sent it to, I was told only that it was mailed out on XX/XX/XXXX, and I would have to wait until it expired to get another one sent. In XXXX on the day it expired, I entered the Bank of America Branch in XXXX Florida and sat down with XXXX XXXX, the bank manager as she looked at the papers and letters I had, she called the number for that department, they said they could mail it to her Branch where I could pick it up. Then they put her on hold for over XXXX minutes, transfered get to someone else who told her they sent it back to the Social Security Administration. I called and was told it wasn't returned to XXXX. So I went into another branch in XXXX XXXX, where I heard a conversation on the phone with another bank manager, who was saying " I don't understand what you're trying to get me to tell her. '' Three times she said that to whoever she was talking to. She got off the phone and handed me a phone number and told me I had to file an appeal on his claim. I was never contacted about any claim, nor given a claim number. Bank of America had to pay XXXX the money from that transfer. They lied to me several times about sending me my check. I called the number they gave me, and was told they had no idea what I was talking about.
Consumer complaint received 2023-05-12
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (PA)

I am writing the letter on behalf of my amazon account being closed by Synchrony bank. I had never had a problem with Synchrony bank payments for 3 years until now. I even made large payments. 
After opening a new account with XXXX XXXX and setup online payments that's when i started having problems with paying my amazon account. 
And i was not aware that they would closed my account after two fell payments. 

I called in to Synchrony bank and spoke to a account manager, I explained the situation to the first account manager, she gave me credit and i guest she tried to fix the problem. but didn't. I called back in again and spoke to XXXX, about my account being closed and she did not put no complaint in. After acknowledging that she did not do anything. I called back in and spoke to XXXXaccount manager. He actually put in a claim. that when i called back in to check the results, Synchrony staff member claimed they deny opening my account. 

I had to provide my account to them to see if they were using the same account, and they wasn't. When i provided them with the correct account number, my payment went thru for {$550.00} paid on XX/XX/2023. 

my argument is they closed my account and i don't understand why they closed my account
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

The situation at hand is causing me considerable distress and affecting my sleep quality. I find it hard to come to terms with the issue. I urge you to rectify my account without delay. Historically, I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing.
Consumer complaint received 2022-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 Sates I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can't furnish a account without my written instructions.

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 purpose.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission.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 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-07-23
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (CA)

I opened a Wells Fargo Premier checking ( and linked savings ) account on XX/XX/year> at the XXXX XXXX XXXX Branch of Wells Fargo, where I was promised that with an offer code, if I bring in XXXX XXXX  into my new accounts by Day 45 and maintain it through Day 90, I will be paid XXXX XXXX. 

However, upon completing the activities, and not receiving my bonus, I contacted Wells Fargo to inquire about my bonus not posting. To my shock ( this was not told to me by the banker, who has since left Wells Fargo, and was a complete conman, in hindsight ), I was told that a " wire transfer '' does not qualify ( while the representative told me -- which sounded comical -- that I had to deposit money " in branch '' for it to count as a " deposit '' ) and that the system had deemed me ineligible to receive the bonus, and there was nothing they could do. 

I guess the shady conduct of Wells Fargo is not new to anyone who follows finance, and they continue their disgusting practices to this day. By inventing clauses to con customers, and not letting them know about it, they deliberately try to boost their " numbers '' while refusing to honor agreements ( unlike other reputable banks like XXXX XXXX XXXX ). 

I don't know what to say : is it expected that someone carry suitcases full of cash to the branch, to meet their " deposit '' requirement? Or do they expect me to have my employer pay me XXXX in salary in a day to " deposit '' to them? How in the name of XXXX does the most universally accepted form of depositing money -- a wire transfer -- not count? That too, without them telling me beforehand? 

How does Wells Fargo keep getting away with such disgusting, shady business practices; hiring conmen as " bankers '' to sell genuine-sounding lies to rake in business from customers? 

I kindly request CFPB to intervene, and get Wells Fargo to honor their part of the agreement, and pay me the XXXX XXXX  that they owe me.
Consumer complaint received 2024-01-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (GA)

I was a customer with XXXX XXXX XXXX, and I was no longer a member when I cancelled my membership. A representative came and collected my modem and router equipment. The next month thereafter I was charged on a continuous basis until the debt that is not mine was placed in a collection in my name.Below I will place the main debtor XXXX XXXX XXXX XXXX XXXX  with the collection agency I.C. SYTEM, INC. I have a return summary from XXXX XXXX XXXX 


XXXX XXXX XXXX XXXX XXXX : # XXXX # Account # : XXXX I.C. SYTEM, INCXXXX : # XXXX AMOUNT TOTAL : {$120.00} Returned Equipment # code : Returned equipment XXXX. 
XXXX, XXXX
Consumer complaint received 2024-07-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (NY)

I submitted payment to XXXX XXXX via Cashapp in XX/XX/year>. I tried to cancel the order but the seller said they already shipped. For 3 months I followed up and even requested refund via Cashapp but the Block seller refused. I received fake shipping information twice.

I informed Block, Cashapp, and XXXX but no one will step in. Consumers are left searching for help and these financial institutions do nothing to prevent fraud by scammers using their platforms.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I have consistently ensured my payments are made on time, with no instances of being late. It is entirely unacceptable to see late payments noted on my account, and I vehemently request that you promptly correct this mistake. Please take immediate action to rectify my account and guarantee its accurate reflection of my payment history.