davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (DE)

I have had a Barclays AA card for 16 years. My husband and I share the account but I am the only one that uses the card. Every time there is an issue with the card they need to speak to him, even though I am authorized user and have been assured that now they have that information and it will be noted. 6 weeks ago I noticed fraudulent activity on the account, I called immediately and they shut down the card and said they issued me a new card. That card never came and my online statement was never changed. I called a second time, they had no record of my previous call, went through the entire process again, waited for my card only to receive a card with the same number and security code. Seemed like a mistake since whomever frauded the card would have all the information. I call again, no they say use the card at which point I check on line and the people using the card fraudulently have beaten me to it. So I spend another 90 minutes going through all the charges and getting a new card issued and expedited shipment. Receive new card do not activate it bc I have no confidence left in Barclays the issuer of the card. Today got on the phone to pay my bill its due today gave them weeks to reconcile the numbers and I wanted to pay adjusted statement balance in full to avoid interest ... no one could help me I sent what I believe is proper amount to cover last months statements but have no confidence that I won't have interest. They wanted me to pay XXXX to avoid that when what I feel I owed after fraud was XXXX. The card is issued through Barclays and it is the AA Mastercard XXXX that accumulates Air travel points through XXXX XXXX ... consumer beware their customer service is awful.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

On XX/XX/22, XXXX XXXX XXXX, added a derogatory mark on my credit report per Experian. Upon further research, this account was transferred/sold and I am no longer responsible for the account. 

They did not verify this collection and there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it belongs to me. 

According to the FCRA, XXXX XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately
Consumer complaint received 2024-02-20
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc. (GA)

I CURRENTLY HAVE STUDENT LOANS AND I AM TRYING TO ENROLL IN THE IDR PLAN. BUT MY APPLICATIONS KEEPS GETTING REJECTED. I APPLIED 4 TIMES. FIRST TIME I APPLIED ONLINE AT FASA.GOV. AND I DID NOT SUBMIT MY PROOF OF INCOME SO IT WAS REJECTED. THE SECOND TIME I APPLIED OVER THE PHONE WITH NELNET REP. SHE SUBMITTED MY APPLICATION AND INFORM ME THAT I DID NOT NEED TO SUBMIT MY PROOF OF INCOME. ( I THOUGHT THAT WAS ODD ) SO I RECIEVE AN EMAIL THAT MY APPLICATION WAS ON HOLD. I CALLED NELNET AND THEY DID NOT KNOW WHY MY APPLICATIONS WAS ON HOLD. LATER DURING THAT CALL, THEY TOLD ME IT WAS REJECTED AGAIN. SO, THIS TIME I SUBMITTED MY IDR APPLICATIONS ONLINE AT NELNET.COM WITH MY PROOF OF INCOME. NOW I GOT ANOTHER EMAIL STATING THAT MY APPLICATION HAS BEEN REJECTED BECAUSE I AM MISSING PAGES. SO, I CALLED NETNET AND THE REP TOLD ME THEY DO NOT KNOW WHAT PAGES I AM. THE REP ADVICE ME TO SUBMITTED ANOTHER IDR APPLICATION AGAIN. THIS IS THE FOURTH TIME. I REALLY NEED HELP! I AM ON A STRICT INCOME AND JUST WANT THE LOWEST MONTHLY PAYMENT AS POSSIBLE. THE NELNET REP HAVE BEEN GIVING ME THE RUN AROUNDS AND I REALLY DON'T WANT MY APPLICATION TO BE REJECTED.
Consumer complaint received 2023-05-12
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. (NC)

I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2023-11-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

My phone and wallet were stolen in XXXX XXXX on XX/XX/XXXX around XXXX XXXX PST. I was without a phone until Saturday XX/XX/XXXX at XXXX XXXX. I reported fradulent activities on my capital one account. On XX/XX/XXXX they said that my claim was denied due to electronic activity or login history. I was unable to log into my account until I was able to get home on XX/XX/XXXX. There are numerous charges that I need the company to reverse on my capital one checking account. there are as follows : XXXX charges in the amount of {$300.00}. XXXX are investigating it is an incarceration company to where you can pay imates. I have no one that I know that is in prison. The other charges are XXXX resorts in the amount of XXXX, XXXX for XXXX, XXXX in for XXXX charges of XXXX and XXXX, XXXX charges of XXXXXXXX XXXX XXXX XXXX  of XXXX and XXXX and lastly XXXX in the amount of XXXX. All I would like is to get my money back. I was able to get with Capital one to change all my accounts to new checking and savings accounts so that no other transactions are made. The are XXXX disputes numbers : XXXX and XXXX.
Consumer complaint received 2024-02-20
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo is charging what amounts to close to a 5 % fee on an international wire transfer that I sent today, XX/XX/XXXX. I sent XXXX XXXX  at a conversion rate of XXXX XXXX XXXX XXXX XXXX This represented XXXX  {$6700.00}. This transaction should have been XXXX  {$6400.00} for a difference of XXXX  {$240.00}. This should just be a flat international wire transfer fee. 
Additionally and potentially worse, they are quoting an availability date of XX/XX/XXXX. This is completely unacceptable and I feel that Wells Fargo is taking advantage of me. I have spent hours on the phone trying to work through they're automated options and I am frustrated with their useless phone system and customer service.
Consumer complaint received 2024-03-29
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company (TX)

My husband and I have an escrow account surplus of {$2100.00}. We are current on our mortgage. We are in XXXX  XXXX bankruptcy. Freedom Mortgage REFUSES to release our escrow surplus amount to us until our bankruptcy discharges. I have looked at the law and as long as we are current on our mortgage payments they can not hold the check.
Consumer complaint received 2024-05-31
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (OH)

Subject : Formal Complaint Against LVNV Funding LLC for Violations of Consumer Rights Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against LVNV Funding LLC for multiple violations of my consumer rights under federal law. Below are the specific issues and corresponding legal references regarding LVNV Funding LLC 's unlawful actions : 1. Failure to Provide Validation Information ( 12 CFR 1006.34 ( b ) ( 5 ) : LVNV Funding LLC has placed a collection account on my consumer report without providing the necessary validation information as required by law. This failure to provide validation information impedes my ability to verify the legitimacy of the debt and constitutes a clear violation of my consumer rights. 



2. Denial of Dispute Rights ( 12 CFR 1006.34 ( c ) ( 4 ) ( i ) : I have not been given the opportunity to dispute the account, as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This lack of opportunity to dispute the account violates my right to challenge and verify any alleged debt.

False, Misleading, and Deceptive Practices : LVNV Funding LLC has employed false, misleading, and deceptive means in their collection practices. They have misrepresented the status and validity of the alleged debt on my consumer report, which constitutes a violation of my consumer rights. 



4. Unauthorized Furnishing of Account Information ( 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ) : LVNV Funding LLC has no authority to furnish any account information to consumer reporting agencies without providing all required disclosures by law. Their actions are in direct violation of 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ). 



Given these violations, I am formally disputing any and all debts claimed by LVNV Funding LLC. Additionally, I am exercising my right to revoke all communication permissions, including email, text, and phone calls. 



In my previous correspondence with LVNV Funding LLC, I have requested the following without receiving any satisfactory response : 1. Debt validation.

2. The purchase agreement between LVNV Funding LLC and the original creditor.

3. Proof that LVNV Funding LLC is licensed and bonded. 



I respectfully request that the Consumer Financial Protection Bureau take immediate action to investigate these violations and ensure that LVNV Funding LLC complies with all applicable laws and regulations. Furthermore, I request proof of certified mail receipt for my records. 



Thank you for your attention to this matter. Please contact me if you require any additional information. 



Sincerely, XXXX XXXX
Consumer complaint received 2024-05-31
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: JPMORGAN CHASE & CO. (FL)

XX/XX/XXXX my wallet was stolen, since then I have had XXXX  hard inquiries on my credit report, for various credit cards that I have not applied for, please help
Consumer complaint received 2024-02-20
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (NY)

I recognize that from time to time credit card companies can review your usage etc. BUT WHY are they allowed to check without your knowledge or consent and reduce your credit limit enormously so you go from a 40 % debt to credit ratio to a 90 % or worse? Why are they allowed to single handedly decide and destroy your credit score, especially when you are below your credit limit and making payments ON TIME. 

This has happened to me with two issuing companies - Citi and XXXX. I am beyond annoyed and want to know how I, as the consumer, can rectify this practice. Again I would understand if I was delinquent or past due. If I was spending very close to my credit threshold but the fact that I wasn't and they reviewed and CUT MY CREDIT in half especially in the current economic environment is enraging.
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (CA)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-02-23
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (DC)

I was denied credit I KNOW I AM A XXXX PURCHASER I GAVE A SECURITY TO AMERICAN EXPRESS THAT THEY TURNED INTO A RECIVABLE AMERICAN EXPRESS PROSPECTUS STATES THAT THEY CAN NOT VERIFY WHAT MY CREDIT SCORE IS? WHAT FACTORS DID AMEX USE TO DENY ME BECAUSE I GAVE AMEX MY SSN COMMITING FRAUD WILL CAUSE AMERICAN EXPRESS TO LOSE THEIR BANKING LICENSE, I WOULD ALSO LIKE TO KNOW WHAT FACTORS DID YOUR UNDERWRITER UTILIZE? WHAT DID YOUR TREASURY UNDERWRITTER DEPARTMENT SAY? AND IF CAN NOT GET MY CREDIT CARD GIVE ME MY SECUIRTY BACK. I BARTERED A SECUIRTY WITH YOU WITH THE FOLLOWING CUSIP NUMBER AND I WILL REPORT YOU TO THE IRS FOR NOT BARTERING WITH ME.
Consumer complaint received 2024-04-12
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: Experian Information Solutions Inc. (MD)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-02-23
Product: Prepaid card — Government benefit card
Issue: Advertising — Changes in terms from what was offered or advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I received an email on XXXX XXXX stating that there was suspicious activity on my account. I checked my account and noticed there were several charges on my account that were made in New York while I reside in California. I contacted the bank and informed them on XX/XX/XXXX about these charges along with additional charges made on my account. They informed me that they would stop the ongoing charges as they havent been processed yet and will initiate a claim for the posted charges. When I checked back a few days later they had not stopped the charge and the money was taken out of my account. They told me that the claims process would take up to 90 days. I contacted them again a few days later and they informed me that the claim was denied. When I asked for the reason why my claim was denied they refuse to provide any additional information. I faxed them bank statements from my other cards showing that I had made purchases in XXXX XXXX when those charges were made on my account in New York. When I asked about the fax it was clear they had not reviewed them. Bank of America Prepaid is not actually reviewing claims as it took them about three days to deny my claim. I reached out to the merchants in New York and they stated that no one from Bank of America reached out to them. Bank of America falsely advertised that they review these cases when its clear they dont.
Consumer complaint received 2024-05-31
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (IL)

Chase Bank closed my account because an unperson sent me {$300.00}, which is still in the account, with my personal money of about {$180.00}. The bank says that the unknown person reported me to be a fraud. They closed the account for over XXXX  months now and they never sent me my {$180.00}. Thank you.
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc. (CA)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2018-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Bread Financial Holdings, Inc. (TX)

This company shows as doing a hard inquiry into my credit report. 

I have never deal with this company and I have no accounts with them. 

It appears on my credit report on XXXX, XXXX and XXXX
Consumer complaint received 2024-05-31
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: TRUIST FINANCIAL CORPORATION (TX)

I had a line of credit with my bank that's terms state if 2 missed payments the account would be closed. I got an alert a payment was missed. I went to make a payment and it rejected my payment. Spoke with a representative that stated I missed a payment in XXXX but paid in XXXX and missed a payment XX/XX/XXXX ( these are automated payments ) to my knowledge prior to this my account was in good standing, the representative said my missed payment for XXXX was because the account had already been closed on the payment date.
Consumer complaint received 2023-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

on XX/XX/XXXXXXXX  i attempted to disupte my address information online with experian. I waas unable to, but directed to call a phone number instead. I spke with a XXXX rep with XXXX accent. I told him that I wanted to delete all my old addresses and add my new address. He told me that I could not delete my old address as they are tied to accounts and told me to contact those accounts and have them update my address. I protested and told him that I dont think that was right and asked to speak to supervisor or someone in fraud department. The second XXXX  who sounded XXXX  XXXX assisted me. I told him that i lost my home in foreclosure back in XXXX and I need that address deleted. It was the XXXX XXXX  XXXX  location. I also asked for XXXX XXXX XXXXXXXX to be deleted and for my name to be shown as XXXXXXXX XXXX XXXXXXXX. He claimed he disputed everything. I gor an email about the update. However, when I went back to check, only 1 of the 3 addresses were disputed and no of the names. I recorded this call as well. please email me at XXXX for copy of recording
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, # XXXX, # XXXX, has violated my rights. 
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
Consumer complaint received 2024-05-31
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Management Holdings, LLC (NC)

I have a debt with XXXX XXXX for unpaid restitution from XXXX with a balance of {$680.00}. After reaching out to the clerk of courts in XX/XX/XXXX, I was advised that Collection Management Company now owns the debt. Upon going in person, I noticed that the office looks abandoned, no one to speak with in person, and the hrs of operation are very limited. I called their number on XX/XX/XXXX and spoke with XXXX. XXXX told me that I owe balance of {$850.00}, which includes a 20 % fee. After I begun to question XXXX about the fee and balance, she became very irritated and and began to do some math on her end to better explain. I advised XXXX that I can't just take her word for it and that XXXX needs to send me a itemized bill to reflect this fee. I received a letter date for XX/XX/XXXX. In that letter, there are multiple line items that include but aren't limited to " As of XX/XX/XXXX, you owned XXXX '', " You were charged this amount in interest, XXXX '', You were charged this amount in fees, XXXX '', etc. My concern is that the the legal court docket, shows a balance of XXXX. I called after receiving the doc and XXXX told me that they didn't receive the account until XX/XX/XXXX, I'm confused on why they would send me a bill with a balance date prior to when they received it but somehow added a fee in there. I advised XXXX that they can't just tell people there's a fee without providing proof of it. I then received another letter that was typed out to me stating that they charge 20 %. In any case, 20 % x XXXX, is NOT XXXX. I would like all alleged fees waived/removed. This is much more impactful than everyday credit collections, Credit Management Company is collecting on behalf of XXXX XXXX, ultimately keeping people on probation/parole due to unpaid court fee, fines, etc. This is a form of systemic oppression when people are given made up fee to increase the amount they actually owe.