davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-29
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P. (VA)

Lvnv/ resurgent have been doing bad practices Ive disputed and shown evidence of this company taking advantage of my right. Now its been over 30 days without a response to my XXXX dispute please delete Ive contacted them and theyve been extremely rude. Putting me on hold and the manager would not let me get a word out about this issue this has been the worse experience.
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (MD)

XXXX dropped my score XXXX points and has no reason for it. They claimed they cant see past this credit report which I know they are lying. They were supposed to have a supervisor contact me and no one has. 

Ive disputed again a collections all other bureaus have seemed fraudulent except XXXX. 

Ive proven numerous times theres been identity fraud and still it fits in my account fraudulent. 

They kept negative student loans on there that were forgiven due to XXXX and no longer owed on. They refuse to take that off too. 

The collections I disputed doesnt have my address correct or my phone number. 

It is fraudulent. They cost me a home loan and Im about to sue!
Consumer complaint received 2024-05-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Hello i got identity theft from XXXX. I lost my phone last week and someone got access to it and started sending money to themselves. It was XXXX dollars. The date was XX/XX/year>. The same day i called my bank to disputed and today i just got an email from them saying they are denying my claim because Due to the login history evidencing authorization and/or participation in the electronic activity. Even though i didnt send money to anyone with that amount. I have wait almost a week for them to do something. Now im very upset and disappointed because i lost money and this bank isnt helping.
Consumer complaint received 2024-05-27
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: AMERICAN EXPRESS COMPANY (TX)

Have tried multiple stores on multiple dates over the past 3 months to use the {$500.00} AMEX gift card. Always declined with message " Declined - Missing security code '' AMEX says, 'It 's probably the store " All info entered/checked/double-checked on each store/online retailer 's site. Still declined. Balance for card still shows the original {$500.00}.
Consumer complaint received 2023-07-10
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)

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. 

I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX  XXXX Acct # - XXXX XXXX XXXX Acct # - 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 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. 

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2024-05-27
Product: Vehicle loan or lease — Loan
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Westlake Services, LLC (GA)

Westlake management took over my financed account with XXXX XXXX told me I owed them so much money after repo ing my car and not providing any evidence that I owed the balance they said I was past due on. XXXX XXXX is currently out of business for this same reason falsely repo ing cars, taking more money then what they are actually owed and ect. My car was deemed totaled after someone hit me and the contract was not upheld the balance they say I owed was paid but still no proof provided to me of what the actual balance was when they took over the account and they claim to not have that information but they had a total to give the insurance company harassing me and declining to give me any proof to the amount they say I owe and is still charging me interest on a car thats paid for. And are reporting to you all I owe and I had GAP insurance. This is affecting my credit tremendously bc Im unable to get another car in reference to this.
Consumer complaint received 2024-05-27
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (CA)

I purchased flights from XXXX ( XXXX ) to XXXX ( XXXX  ) and then XXXX  to XXXX XXXX ( XXXX  ) on XX/XX/2024. The flights will be on XXXX XXXX. I made the purchase using points and cash through American Express ( AMEX ). On or around XX/XX/XXXX, I asked to make a schedule change after I closed my card. Now I'm being bullied around by the company and I can not make the change.

Originally, when I made the change request, I tried making it online at XXXX XXXX ' website. It would not allow me and told me to call AMEX. So I did. They told me they could not help me and to call XXXX. So I did. A rep from XXXX  told me they could not help me and told me to call back to AMEX. So I did. On or around XX/XX/XXXX, an AMEX rep created a case saying I'd need to pay {$50.00} or so to make the changes. She said someone would call me back to finalize the change. But it never was resolved. I'm now about 4 hours into being on hold from various phone calls and starting to get frustrated.

I had a friend offer to use their AMEX card so I could pay to make the change. I called AMEX on XX/XX/XXXX for another 61 minutes. They said they can not take my XXXX card ( or any non-AMEX card ), they will not let me mail in a payment, and they will not let me use an AMEX that is not in my name. I asked them how to make the change. They said they could call XXXX XXXX back and see if their answer changes. This time, they told me I have to drive down to the departures gate at my local airport and have them make the change. I'm now 5 hours into calls. 

So on XX/XX/XXXX, I drive to XXXX  and spend another 3 hours in travel and time there. At the airport, I am told they also can not help me. I paid {$9.00} in parking fees and am now XXXX hours into figuring out how it's possible to make flight changes. I've tried using my money, I've tried using a friend 's card, I've tried mailing money, I've tried driving to the airport. How is it possible to make this reservation change? The agent at XXXX XXXX recommended I file this complaint as he said he can not think of any other workaround.
Consumer complaint received 2024-05-27
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: SANTANDER HOLDINGS USA, INC. (TX)

I was offered a settlement for {$2900.00} based on a {$9600.00} balance. There were issues at the end of the loan and payments were not added to the balance. I called after two years of hearing nothing from the creditor and was offered the settlement. I sold the vehicle and the vendor purchased the cars full balance. I want the amount of XXXX honored due to their errors and offer for the settlement. I want the difference between the settlement and the balance owed returned to me. Santander is a predatory lender that focuses on individuals with poor credit and charges interest rates that make it difficult for consumers to pay their loans back. The CFB needs to dig deep into this predator. I want my difference paid back to me once they receive the payoff from XXXX. Again, these predatory lenders ' policies should be looked into.
Consumer complaint received 2024-05-27
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (AZ)

Sorry don't have exact date, but on / around XX/XX/year>, tried buying XXXX tickets on XXXX XXXX from XXXX to XXXX, when I got this offer within XXXX XXXXXXXX XXXX web site to save {$300.00} on the ticket purchase if I opened an XXXX XXXX XXXX Chase credit card. Wanting to take advantage of this offer, I clicked the link ( see my 2 screen shots files ). the link worked, it took me to a Chase site, where i entered my yearly salary, and with a minute I was " Approved '' for the card. From that point, the link back to " Complete Purchase '' failed. I tried 3X more. still failed. I never purchased the ticket, hoping to reach either XXXX  or the Chase folks so they can manually support this offer. Multiple calls over the next 2 weeks to Case failed to grant me the XXXX dollar credit, yet the credit car arrived promptly in the mail 10 days later, revealing an annual fee of XXXX XXXX 

I wrote XXXX complaining of this issue, since it was their site that prompted this misleading credit card promotion but they said it was in the hands of Chase. I finally reached Chase a week ago, had them reverse the annual fee and I then cancelled the card bec of misleading promotions. they offered no apology, no amends to provide me with a future discount should I purchase air line ticket in the future. 

The XXXX Chase card I was promoted to open is : XXXX XXXX XXXX Mailed to XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX
Consumer complaint received 2024-05-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC. (TX)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXHAS VIOLATED MY RIGHTS.
15 U.S.C 1681 SECTION
92 A. STATES I HAVE THE RIGHT TO
FRIVACY.
15 U.S.C 1681 SECTION 604 A SECTION 2: IT ALSO STATES A CONSUMER REPORTING AGENCY CANNOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2024-05-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: U.S. BANCORP (OH)

I started the PMI evaluation / removal process on XX/XX/XXXX with US Bank. They deducted a {$150.00} fee to start the XXXX process. 

I had to submit a list of significant improvements that we have made to our home in order to get an appraisal approved. 

Since purchasing the house in XXXX of XXXX we have completed the following : Windows and Doors - XXXX Driveway/Patio ( Concrete ) - XXXX Electrice Panel Upgrade XXXX XXXX XXXX ) - XXXX Chimney Liner and Cap/Crown Rebuilt - XXXX Radon Mitigation System - XXXX Fence - XXXX Hot Water heater size upgrade - XXXX Level XXXX Car Charger and XXXX Install - XXXX Roof and Siding - XXXX ( this was completed before close of house by previous sellers but after appraisal ). 

Excluded the Roof and siding, I have personally spent XXXX worth of upgrades to our home. 

These were provided to US Bank originally and they came back and said there wasn't enough significant improvements. I asked the representative on XX/XX/XXXX to check and see what $ amount they were seeking and she came back and said it was only XXXX. She was confused because the amount of upgrades we had exceeded that amount so she assisted in resubmitting the list again. 


My loan is coming up on XXXX years in XXXX and I am trying to get the PMI removed so that I can be appraised with a XXXX at 80 %. Once XXXX years have passed, it will drop to 75 % making it hard to remove PMI. 

US Bank seems to be dragging their feet, as I call nearly every day asking for an update and so far it's been that I should be receiving a call to schedule an appointment or my appraisal request has been denied.
Consumer complaint received 2024-05-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (NY)

On XX/XX/scrub>XXXX XXXX XXXX XXXX noticed a suspicious charge of {$280.00} from my Citibank checking account from a XXXX XXXX XXXX XXXX XXXX XXXX. I immediately reported the fraudulent charge but it was denied based on the fact that the charge was made with my pin and I stated my card had not left my possession. I have never been to XXXX state or any other state beside XXXX XXXX in more than 2 years. On XX/XX/XXXX, I filed a new fraudulent complaint on the same transaction.
Consumer complaint received 2024-05-26
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (GA)

I currently have an American Express Blue Business Plus credit card. Via an online promotional offer, I added two Employee cards, one on XX/XX/XXXX, one on XX/XX/XXXX. The terms of the offer were as follows : spend {$4000.00} per card within 6 months, earn XXXX Membership Rewards points. 

The spend for each card was completed around XX/XX/XXXX. On XX/XX/XXXX, I received only XXXX bonus points for each card. The code attached to each bonus reads : XXXX a XXXXXXXX XXXX XXXX XXXX. This is the incorrect offer. I should have been awarded XXXX bonus points, not XXXX. 

On XX/XX/XXXX, I called about the missing points and was told that a case would be opened and I would hear back within 48 hours. I never heard back. I called again on XX/XX/XXXX and spoke with a different customer service agent, who was able to see the case in the system. However, nothing had been done. This agent told me the case would be escalated and I would hear back within 7-10 business days. 

As of today, XX/XX/XXXX, I have had no communication regarding this incorrect bonus from American Express. 

The page I clicked through clearly stated the terms of the bonus. I never would have added an employee card with the terms of the bonus received because American Express frequently offers better bonuses. In fact, just 3 months later I added three employee cards through another promotional page. The terms of the second offer were : spend {$2000.00} within the first 6 months, receive XXXX additional XXXX XXXX. I have completed the spend for one of the cards and did in fact receive the correct bonus points. 

I do not have screen shots of the original offer because frankly, I shouldn't have to take screen shots of every single action I take with every single bank. Banks should honor the terms of the contract they enter into, and are in fact legally obligated to do so. I have upheld my side of the contract ; now American Express needs to do the same.
Consumer complaint received 2024-07-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (OK)

I am XXXX XXXX Total and Permanent XXXX veteran through the Department XXXX XXXX XXXX. I was told no action is needed from me and that NelNet would automatically received confirmation from VA that I was totally and permanently XXXX. My request to discharge my student loan application was approved and on NelNet website it says that my loan has been XXXX but NelNet has failed to contact my loan servicer ( XXXX ) so they can also discharge my loan in their system. I have been receiving conflicting information from NelNet that they did communicate with my loan servicer. But when I call my loan servicer they tell me that they never gotten any information to discharge my student loan. This has been very stressing to me. I have been communicating back and forth with both organization since XX/XX/year>. I still do not have a resolution at this time.
Consumer complaint received 2024-05-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

The account associated with this CAPITAL ONE AUTO FINANCE repossession shows significant inconsistencies across my credit reports from XXXX, XXXX, and XXXX. These inconsistencies include : * **Payment History : ** XXXX reports no payment history, XXXX reports a repossession in XX/XX/2024 and a charge-off in XX/XX/2024, while XXXX reports an on-time payment in XX/XX/2024 and a repossession in XX/XX/2024. 
* **Account Type : ** XXXX and XXXX report the account as an installment account, while XXXX reports it as an auto loan. 
* **Original Balance : ** XXXX and XXXX report an original balance of {$39000.00}, while XXXX reports no data for this field. 

I have requested clarification on several aspects of this account, including : * Details regarding the vehicle 's repossession and sale, including the date, auction sale price, and any information related to Gap coverage or claims. 
* A copy of the original signed agreement to verify the accuracy of the reported information and ensure that the repossession adhered to the terms of the contract. 

I believe these discrepancies are negatively impacting my credit score and overall financial well-being. I kindly request your assistance in resolving these inconsistencies and obtaining the requested information.
Consumer complaint received 2024-05-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (CA)

This alleged debt is does not belong to me, and under the FDCPA you have not validated this alleged debt and therefore should not be furnishing the account on my report without following the laws. I have asked for specific documents and full disclosures for me to review. Please respond with each request in full. 

If this persist I will escalate matter to Attorney General and any other FDCPA regulation company necessary.
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (MN)

I already paid this account, but they continue to report incorrect information on my credit report. As you know, the Fair Credit Reporting Act ( FCRA ), as described in 15 USC 1681, requires that I provide accurate information about my account.
Consumer complaint received 2024-05-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Nelnet, Inc. (FL)

I was looking over my consumer report and I saw the account listed below. I am confused on why this account is showing on my consumer report. I do not remember receiving any disclosed information about this account being able to report to such third parties as XXXX, XXXX, and XXXX. 
Account Name : XXXX : NELNET Account Number : Could you please send all my disclosures per XXXX XXXX ( b ) that should have been conspicuously disclosed to me before reporting my non-public personal information to an unaffiliated third party ( XXXX, XXXX, & XXXX ). I understand I have an obligation to pay on this account, but I do not want my personal nonpublic information displayed to third party consumers.

I do not mean to come off too forward, I am just exercising r rights to opt out of having my information reported per 15 U ; 6802. 
Could you please either send my disclosures showing my written permission to display my personal nonpublic information to these third parties or delete these accounts from my consumer report? 

Respectfully, XXXX XXXX I they have all my loans in DEFAULT DUE TO INCOME except these 3. They have also changed the loan providers name.

I have contacted them time and time again to explain to me why these 3 are not in forbearance or default as well.
Consumer complaint received 2024-05-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (FL)

A collection company XXXX XXXX XXXX XXXX XXXX, is currently sending me collection for {$490.00}. They sent me records indicating that a person called XXXX XXXX ( my name ) with address XXXX XXXX XXXX, XXXX XXXX, MI XXXX ( not my address ) owed this amount and they cite a charge-off date of XX/XX/XXXX. The original creditor is Comenity Capital Bank XXXX account number XXXX. This is the latest incident on a serious of issues that began back in XXXX when a data breach at the University I work for happened. I told the collection office about this and they asked me to send a police report, an affidavid, which I did. This was of no use. They still are trying to collect the money. The police office in my university is aware of this as it is the victims services at the university who are trying to help me. The police XXXX asked me to file this report with you. Just this morning ( XXXX ) the XXXX at the victims office told me that she had received a word from the police XXXX telling her that I had to file a complaint with police in the city I live. Which I will do.
Consumer complaint received 2024-03-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (FL)

I have a checking account with Wells Fargo. I was to make a payment of about {$320.00} to XXXX, but I called them prior to the payment being sent and told them that I needed to cancel the payment because of emergency vehicle expenses I needed to pay for. XXXX told me they could not do that, as they need XXXX hours minimum notice. They went ahead and took the ACH payment, and then I contacted Wells Fargo informing them that this transaction was not approved by me. They issued a temporary credit, and informed me that I would hear back from them in a maximum of 10 days. About 21 days passed, and they took away my temporary credit and refused to give it back. XXXX also never received my payment. I called Wells Fargo several times asking where my money went, and they said they would initiate a trace to figure out what happened to my money. I never heard back from them. As of today, XX/XX/2024, they closed my checking account without my knowledge or approval while I was still waiting for them to issue back my money. Neither XXXX nor Wells Fargo can figure out where my money went, yet they didn't issued me a permanent credit to my account, and now my checking account is closed.