davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

I made a purchase on XXXX on XX/XX/2024 at XXXX Hrs. I was unable to reach the vendor selling the item, so today XX/XX/2024 ( morning time, XXXX ) I cancelled the order. XXXX XXXX issued a refund for {$690.00}, but my debit card was locked at the time the credit transaction was initiated, so Capital One blocked the credit transaction. I used XXXX to make the purchase in order to be protected. However, Capital One and XXXX are now withholding my funds amounting {$690.00}. I have made several attempts to resolve this issue with all three parties : XXXX, XXXX XXXX and Capital One to no avail, they are refusing to help me and I can not get them to transfer me to their accounting department. They keep saying give it XXXX business days to post, but the transaction will never post since it was effectively blocked by them. It's as if they don't even listen to what I am saying. I cant get them to understand that the transaction was already attempted but declined by my bank due to my debit card being locked. I just want my money back for the canceled order. I have attached screenshots of the transaction being blocked ( email from Capital one ), along with the order cancellation confirmation from XXXX XXXX.
Consumer complaint received 2024-05-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (OH)

I am writing to express my disappointment and frustration regarding the unfulfilled promotional bonus associated with opening a new Chase Total Checking and Chase SavingsSM account, as advertised. 

Last year, in XXXX, I took advantage of chase promotion by opening both accounts and meticulously meeting all the specified requirements outlined in the advertisement. Despite fulfilling these requirements, I have yet to receive the promised {$900.00} bonus. 
The requirement included : 1 ) set up a direct deposit for checking account : {$500.00} biweekly 2 ) deposit and maintain {$15000.00} in my saving account for more than XXXX
Consumer complaint received 2023-11-25
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: EQUIFAX, INC. (NC)

Have been working on this issue since XX/XX/2021. Could not close on my condo and sell it because of this lien. XXXX would not work on this issue with XXXX XXXX. Lost 2 sales
Consumer complaint received 2024-05-07
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: SYNCHRONY FINANCIAL (GA)

I would like XXXX to remove this account off my credit report. This is an old account that was open in or around XX/XX/XXXX and service ended around XX/XX/XXXX and last bill was XXXX. The bill was paid in full, I was in formed it will be taken off my credit report and it's still showing.
Consumer complaint received 2018-08-03
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PENTAGON FEDERAL CREDIT UNION (SC)

On XX/XX/2018 I contacted PenFed via phone to make a domestic wire transfer to fund an investment in XXXX XXXX XXXX XXXX. This was the third transfer to this fund made over the past three months. Previous transfers from PenFed totaled {$92000.00}. After a series of questions and verifications the agent indicated the transfer would be processed and I hung up. 
On XX/XX/2018 I received an email that there was a problem with my account. I checked online and I was able to see that my funds were NOT transferred. I called an agent who said that they could not help me because the wire transfer department was closed and I would have to call back on Monday. 

On Monday XX/XX/2018 I called back almost immediately when the customer service opened only to be told that it would be another 30 minutes before the wire transfer department was open. 

I called back in 30 minutes and after lengthy periods on hold was told that the transfer could not be completed on Friday because the Federal Reserve was closed. I was assured the funds would be transferred quickly. 


I contacted XXXX would said I have missed the investment deadline and would miss out on the profit for this period of investment. I was very upset. 


I have checked my PenFed share account and I see that 7 days have passed and no transfer has taken place. 

I have received no explanation from PenFed or notification that they did not fulfill my request. 

I have suffered monetary damages due to PenFeds negligence, incompetence and deceit in handling my wire transfer.
Consumer complaint received 2023-02-19
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (FL)

The first time an collector called me regarding my account. She told me that this debt would increase and add interest and would negatively impact my credit. I asked her for detail regarding my lease and contract, and told her that this debt could not be increased and nothing in my contact stipulates that. She said that they can do that and will if I dont pay. They have increased my debt multiple times within the past two months and my debt was a rental collection, and i dont owe that amount to my original debtors. This is unfair and she use threaten language regarding my credit score decreases and have since decrease my score by raising the debt owe please origination amount.
Consumer complaint received 2023-03-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Name : XXXX XXXX XXXX SSN : XXXX XXXX : XX/XX/1984 In accordance with the Fair Credit Reporting act The following agencies are violating my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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 fumish 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 itern of information, other than records of convictions of crimes which antedates the report by more than seven years.

In 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. 

I did not consent, so please remove accounts/late payments listed above
Consumer complaint received 2023-11-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit reports effective immediately. 

I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. 

1. XXXX XXXX  ( Double Cash Card ) ( Account : XXXX )
Consumer complaint received 2018-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PMAB,LLC (NC)

In XX/XX/2018, I sent a validation letter to all three credit bureau 's. XXXX responded back stating this debt was not valid, and would be removed. I sent a follow suit letter to XXXX, along with XXXX. They as well agreed that this debt was not valid. Upon recently checking my credit report, Both XXXX   and XXXX have NOT removed this debt off of my report.
Consumer complaint received 2024-05-07
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Freedom Mortgage Company (MD)

This is XXXX XXXX, I have been trying to sell a property in Florida since XXXX of last year, and Freedom Mortgage continues to neglect my sensitive time frame and urgency. This property was an investment property and I have been out of income since XXXX due to tenants moving out as a result of me selling the home. I call them daily or every 48 hours to get an update and it's like I have to walk them through their job process. For example, we are on the final stages of underwriting at the moment, and we're waiting on paperwork. Paperwork that should've been done months ago and has been known about for months, but is being waited until the last minute. Due to this I have lost a combined total of roughly {$6000.00} of money that I will not get back even with the sale of my home. We have even lost a vehicle due to the inability to pay 2 mortgages. Their lack of care in this matter is getting to a point where it might be costing me both of my homes as I can not afford to pay both of them at the same time. Is there anything you recommend or can help me with in the situation?
Consumer complaint received 2024-05-07
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. (CA)

In 2006 I graduated from XXXX XXXX, run by XXXX, who is now being sued in a class action lawsuit for misconduct. I ended up with around {$60000.00} in Private Loans with Navient ( plus double that amount in Federal Loans ). 

Navient jacked up my interest rates as soon as I graduated, and there would have been absolutely no way for me to ever make a dent in these loans which had interest rates around XXXX  % and higher. My parents ended up having to refinance their house, even though it was a hardship for them, to pay off my Navient Loans, otherwise I would be drowning in debt for the rest of my life. My parents still owe a lot of money on their mortgage because of this, and it has made life difficult. Even though my loans are paid off, I feel as though Navient should be responsible for reimbursing my loans so that I can pay off the debt my parents took on for me. 

XXXX XXXX, XXXX, and Navient all played a part in raking us  students for everything we had, and lying to us about everything! They should be held responsible!
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Cascade CISS Holdings, LLC (CA)

I found below inquiries on my credit report which are not associated with any of my open account, I did not authorized these inquiries to credit report. Hence these inquiries should be removed from my credit report : XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX ( XXXX ) XX/XX/year> XXXX AVANTUS ( THE FEDERAL SAVINGS )
Consumer complaint received 2024-05-07
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (WA)

To put it short. I graduated from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> with my XXXX XXXX XXXX XXXX. 

I have never defaulted on a payment but still owe over {$140000.00} due to fluctuating interest rates, and non-flexible repayment plans that continue to capitalize on my loan with interest. And pretty much pay them over {$800.00} a month not to harass me. 

Since I graduated, all of XXXX XXXX XXXX XXXX have been shut down and recently the XXXX XXXX XXXX have deemed the institution a fraud. Canceling all federal loans for my demographic. The only issue is I have private loans that they continue to take which is bad of the {$140000.00} owed to them. I am buried. I need relief. 

I need to find a way to get my private loans XXXX because I am paying back a debt from a fraudulent school recognized by the government.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I found below inquiries on my credit report which are not associated with any of my open account, I did not authorized these inquiries to credit report. Hence these inquiries should be removed from my credit report : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Bank of America XX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX ( XXXX  XXXX XXXX ) XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX  ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) XX/XX/XXXX > XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) XX/XX/XXXX > XXXX XXXX  ( XXXX XXXX ) XX/XX/XXXX XXXX XXXX ( XXXX XXXX XXXX )
Consumer complaint received 2024-05-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (WI)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and XXXX. Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.
Consumer complaint received 2024-05-07
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

XXXX XXXX XXXX KOHLS/CAPONE XXXX XXXX XXXX XXXX XXXX XXXX Dear KOHLS/CAPONE I am writing to dispute a recent credit inquiry made on XX/XX/2024 regarding an application for credit card. Upon reviewing my credit report, I noticed the inquiry listed under KOHLS/CAPONE. 

This inquiry was made in error or without my consent. I HAVE NOT authorized any new credit card applications or inquiries within the timeframe. 

Please correct this on the credit bureau. 

Thank you.
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSWORLD SYSTEMS INC (TX)

I am filing this complaint to TRANSWORLD SYSTEM INC for allowing fraudulent account on my credit report and for no corrective actions taken on this fraudulent information. As I checked my recent credit report, inaccurate account is reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX for your reference and as proof.
Consumer complaint received 2024-05-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Helvey & Associates, Inc., Warsaw, IN Branch (SC)

HELVEY AND ASSOCIATES IN is falsely reporting on my credit. I have never had any accounts with them. Per my research HELVEY AND ASSOCIATES IN is a debt collector. They are falsely reporting to my credit! 
Account # XXXX are falsely reporting to my credit file and are against my rights and fair credit act. Under 15 U.S. Code 1681d - Disclosure of investigative consumer reports ; you are in violation. I have attached the definition so you can see the violation! ( a ) Disclosure of fact of preparation A person may not procure or cause to be prepared an investigative consumer report on any consumer unless ( 1 ) it is clearly and accurately disclosed to the consumer that an investigative consumer report including information as to his character, general reputation, personal characteristics, and mode of living, whichever are applicable, may be made, and such disclosure ( A ) is made in a writing mailed, or otherwise delivered, to the consumer, not later than three days after the date on which the report was first requested.
Consumer complaint received 2023-11-24
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: EQUIFAX, INC. (FL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (NY)

My student loans are showing up duplicated on my credit report. I took out an approximately XXXX loan to pay for XXXX XXXX XXXX XXXX XXXX XXXX, graduating in XXXX. I began payments in XX/XX/XXXX when the freeze ended. Sometime in XX/XX/XXXX, my loans were transferred from Nelnet to XXXX. My loans then began appearing duplicate in XX/XX/XXXX. I now have approximately XXXX remaining on my XXXX  balance, which is correctly showing up, but there is also a XXXX balance incorrectly showing up for NelNet on my credit report. 

I called NelNet and XXXX on XX/XX/XXXX, complaining of the issue. Each company blames the other, but all agree I do not owe the additional XXXX loan. I have now filed XXXX disputes with XXXX, all of which have been denied ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX. XXXX ). I have received emails from XXXX and NelNet confirming that I do not owe this duplicate balance which I can send along. I thought NelNet had resolved, but I spoke again with a representative who disclaimed responsibility. XXXX tells me edfinancial is responsible. All parties agree this reporting of the XXXX loan is in error, but NelNet and XXXX refuse to take responsibility for correctly reporting that balance as closed to XXXX. 

I can attach documents but the attach window coding is currently not working on the website.
Consumer complaint received 2023-06-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ALLY FINANCIAL INC. (MN)

I bank with Ally bank and someone hacked/stolen my debit card and used to make purchase on XXXX and XXXX costing around XXXX dollars out of my bank account. Ally bank refuse my fraud claim stating that I have authorized it. All of these transaction was for the same amount and on XXXX and XXXX and I did not authorized it. I have contacted both XXXX AND XXXX and both agree that it is fraud and I have to contact my banking institute to get my money back. Both XXXX and XXXX both stated they are willing to reverse the transaction as long as my bank initial the chargeback on their side, yet Ally bank is refusing to do this and is denying my claim. 

Please help me contact AllyBank and get this resolve. I have screenshot of this from both XXXX and XXXX. All of these screenshot are from XXXX. They agree to refund me and Allybank is not allowing my claim so my money can come back. 

Here I have picture proof the XXXX sent to me the that the merchant of XXXX agree to reverse the transaction and refund me the money back if my Bank Allybank allow it. 
XXXX have asked that I dispute with my bank, but Ally bank is not honoring my claim. 

My bank have not asked me to send in any information and yet just denied my claim and not giving me a answer.
Consumer complaint received 2023-02-19
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. (NY)

XXXX XXXX XXXX  account should be closed after 7 years. 

XXXX and XXXX have closed XXXX XXXX. This is 7 year old account. Additionally, the account has been reported as fraud. The account information is not correct. The Florida address does not belong to me. 

XXXX XXXX is providing equifax with falsified information. They are misrepresenting my information. XXXX XXXXXXXX XXXX is not accurate.
Consumer complaint received 2023-04-20
Product: Credit card or prepaid 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 (NM)

I applied for a new American Express Delta Airline branded credit card. The welcome offer was XXXX Delta 'skymiles ' upon acceptance and {$4000.00} in purchases. I was approved for the credit card. I made a {$4300.00} purchase on Delta and paid American Express for the purchase. I needed the XXXX miles for upcoming travel. 

Two months later the XXXX miles was not credited to my account. I contacted American Express and was told that the welcome offer review usually took 8-12 weeks and to be patient. 

I waited another two weeks and contacted American Express again. I was told that the welcome offer was still in review and to contact them in another two weeks if the miles had not been credited to my account. 

I waited another two weeks and contacted American Express again. I was told that the welcome offer was not available to me because I had previously had an American Express Delta Airlines branded card. I was told that it was American Express policy to notify new applicants if they were not eligible for the welcome bonus during the approval process. I mentioned I was not notified. Further, I mentioned that I was not notified that I was not eligible for the bonus the first and second time I called ; and was only notified on my third call. The customer support agent ( XXXX ) told me she understood and asked me if I wanted to cancel my credit card. I did cancel it, without receiving the welcome bonus and losing the annual fee.