davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-16
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (MD)

My credit limit was recently decreased from {$2300.00} to {$100.00}, on my XXXX XXXX acct and from {$2400.00} to {$200.00} on my New York & Co Comenity acct due to an interest non payment oversight on my New York & Co Comenity acct. of {$8.00}. I paid off my XXXX acct back on XXXX, the full statement balance of {$400.00}. On XXXX I was assessed interest of XXXX unbeknownst to me and due on XXXX. On XXXX I was assessed a late fee of {$8.00} plus minimum interest of {$1.00}, which brought my balance to {$17.00}. Again, I was unaware my acct had a balance since I paid off the account in XXXX and never used the card since. Once I received the XXXX notice I called in on XXXX to pay balance. The representative, removed the fees & took the payment of {$10.00}. Both my accounts have been in good standing for many years, payments on time as well as the rest of my debts. To say my entire credit reporting was viewed in this decision is completely untrue and false. I have had XXXX creditors double my credit limit and XXXX increased significantly just within last month due to my excellent payment history. I have also paid off XXXX balances in full. My XXXX XXXX has increased on avg XXXX in the last month across the XXXX bureaus. 

The decision to decrease my credit limit on the XXXX referenced accounts was solely based on the late interest payment of {$8.00} on the XXXX acct because the XXXX acct has a $ XXXX credit from overpayment. This seems like a retaliation to the complaint I filed against Comenity back in XXXX, for non refund of returned merchandise. 
This is an absurd business practice & completely unethical. Apparently, this has happened to many consumers of Comenity Bank as I have read many of the same complaints online. The FDIC has also issued fines for similar practices to Comenity. The only negative impact on my credit in years is now {$8.00} of unknown interest, multiple fees from Comenity bank on interest and the dual decrease in my credit limits will also adversely impact my credit score unfairly.
Consumer complaint received 2018-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

Transunion is selling a " rental screening program '' that they rate applicants and provide credit and background screening on for landlords. After being turned down by 2 landlords, they provided me with the report they received from " Transunion SmartMove '' program and found out much of the information was wrong! Here are the items that were wrong and had a negative affect on my Transunion " scoring '' system they use and provide to their landlords using the service. 
-Current Employer, and income amount WRONG and state the landlords that I'm not being truthful on my employment and amount of income I make. 
-Current credit discrepancies ( loan balances, monthly loan amounts due, open credit amounts, and use " inquiries '' as a negative whether any loan or credit has been opened from any institution who may have " inquired '' ) With today 's online application companies, one online app can get sent to MANY co. for review, etc and it should be a negative just because of that. 
- Transunion told me it is NOT their responsbility to provide accurate information to their client for which their landlord " smartmove '' service, but rather everything is up to me to ensure that their information they have about me is correct -even though I wasn't given that chance prior to them providing all of it to their landlord and providing their service of rating and recommendations as well - all based on inaccurate information, and information that they claim to not have the responsibility to verify the validity or correctness of.
Consumer complaint received 2024-05-05
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. (TX)

I did not authorize these companies to run my credit. I want these inquiries deleted. 

JPMCB Card XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 Bank XXXX XXXX XXXX
Consumer complaint received 2015-11-12
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: NATIONSTAR MORTGAGE LLC (MN)

When I refinanced my current home loan in 2013, I was told by my mortgage agent that I can cancel my pmi when LTV reached XXXX %. Today when I contacted my servicer Nation Star I was told there was a note in the documents I signed that I agreed to cancel PMI until it reached XXXX %. Which is totally outrageous and against the law. I called my investor XXXX XXXX and they stated that XXXX % LTV is their guideline to remove my PMI. The fact my agent lied to me and that XXXX XXXX used a guideline of PMI which is against law make me very upset.
Consumer complaint received 2023-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: FirstPoint Collection Resources (SC)

I have never gone to XXXX XXXX XXXX XXXX XXXXXXXX, I have contacted XXXX XXXX  several times and they find the account or show me were I have been there. I have filed a police report and files small claims against XXXX XXXX  and firstpoint collect resources inc for report fraudulent account to my credit file with knowledge this wasn't my account. I live in XXXX South Carolina not NC
Consumer complaint received 2024-05-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc (DC)

On XX/XX/2024, I attempted to withdraw money from an ATM in XXXX, XXXX. I received a transaction cancelled message on screen. No money was dispensed nor was any paper record issued by the ATM of the attempted transaction. 

After noticing an unauthorized charge of my account for {$400.00}, on XX/XX/2024, I initiated a case with PayPal ( Case ID XXXX ). 

On XX/XX/2024, PayPal sent an email update saying it had contacted the seller XXXX XXXX XXXX for more information. On XX/XX/XXXX, PayPal issued a provisional credit to my account for {$380.00}. On XX/XX/2024, I sent PayPal a message saying that the disputed amount in my case is XXXX which includes the transaction fees the seller charged my account. 

On XX/XX/2024, PayPal denied my claim based on the merchants records and ATM audit tape. On XX/XX/2024 I sent PayPal a message via the app insisting my claim that no money was dispensed to me by this merchant at this ATM and asked for an appeal and copies of the audit tape and other evidence used to deny my claim. 

On XX/XX/XXXX, PayPal debited my account {$380.00} and closed my case.
Consumer complaint received 2023-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

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 items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. Please delete the following ASAP. Thank you. 
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
Consumer complaint received 2024-05-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Subject : Complaint Regarding Account Closure by Capital One To Whom It May Concern, I am writing to express my deep dissatisfaction with the recent decision made by Capital One to close my account. On XX/XX/year>, I received a call from Capital One informing me of their intention to close my account due to perceived risks associated with receiving payments via XXXX. 

As a freelancer, I rely on receiving payments through various channels, including XXXX, from clients with whom I have established contracts. In the past, I have cooperated fully with Capital One when they contacted me regarding a deposit received via XXXX, providing all necessary information to verify the legitimacy of the transaction. Despite this, I was informed that my account would be closed without any specific reasons provided, other than a vague assertion of risk. 

It is deeply concerning to me that Capital One would take such drastic action without concrete evidence of any wrongdoing on my part. I have a long-standing history with Capital One credit cards, spanning several years, with no instances of chargebacks or suspicious activity. Furthermore, I have diligently complied with all security measures and provided any requested documentation promptly. 

I find it particularly troubling that Capital One seems to disregard the verification process for payments received via XXXX, even when they have the means to contact the individuals sending the funds to confirm their legitimacy. This arbitrary decision to close my account undermines the trust and confidence I had in Capital One as my banking institution. 

I urge Capital One to reconsider their decision and provide me with a detailed explanation for the account closure. I request transparency regarding the criteria used to determine account risks and a review of my account history to demonstrate my compliance with all terms and conditions. 

As a loyal customer, I expect to be treated fairly and respectfully by Capital One, and I trust that this matter will be resolved promptly and satisfactorily. 

Sincerely,
Consumer complaint received 2023-09-03
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. (IN)

In accordance with the fair credit reporting Everything has to be 100 % accurate on my credit report. 

The Credit Bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, balance owed is reported but it is showing as a closed account, and date reported is not accurate. Some account don't even show a closed date!! This is grounds for removal, they also violated my rights under 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.

Also the credit bureau took more then 30 days to complete my investigation here is my certified mail tracking # XXXX XXXX XXXX XXXX XXXX- Equifax # XXXX XXXX XXXX XXXX XXXX - XXXX  # XXXX XXXX XXXX XXXX XXXX - XXXX
Consumer complaint received 2018-12-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pendrick Capital Partners Holding, LLC (NC)

XXXXXXXX XXXX XXXX 

XXXX XXXX XXXX, NC XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX VIA U.S.P.S. CERTIFIED MAIL/RETURN RECEIPT REQUESTED # Re : XXXX XXXX XXXX XXXX Account Number : XXXX Debt Collectors Account Number : N/A Dear XXXX XXXX XXXX : I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt. Please be further advised, I dispute the validity of the alleged debt in its entirety. Be further advised that I request the name and address of the original creditor, along with an agreement with my original signature binding me to the alleged debt. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. Promptly request deletion of any prior credit reporting to credit reporting agencies. This letter may be provided to the Consumer Financial Protection Bureau ( CFPB ), XXXX XXXX XXXX ( XXXX ) and office of attorney general. The CFPB is authorized to investigate this matter and receive related information. If you fail to comply with this letter, I may turn the matter over to an attorney. 



Sincerely, XXXX XXXX
Consumer complaint received 2024-05-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (MI)

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 three Bureaus, XXXX, XXXX, and XXXX. Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.
Consumer complaint received 2024-05-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (GA)

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 three Bureaus, XXXX, XXXX, and XXXX. Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.
Consumer complaint received 2023-10-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (FL)

I am part of the Borrowers Defense post-class. I was placed on Forbearance and have called in and asked to be taken off of Forbearance. I still have not been taken off. I am going to be accruing interest that I do not/should not be accruing.
Consumer complaint received 2023-11-16
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. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2018-05-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (CA)

I purchased a purse from XXXX XXXX XXXX that arrived on XX/XX/XXXX. The purse was a fake so I returned it on XX/XX/XXXX. This is well within the 30 day return policy. It arrived back to merchant on XX/XX/XXXX. This can be verified via the tracking information from USPS. 

The vendor did not respond to my emails and they do not list a phone number of their website. A internet search on this company shows a history of selling fake items and ripping off consumers but not refunding payments. 

I disputed the charge with Chase as their credit card was used for this transaction. I have provided them with the tracking information several times and have spent hours on the phone with their dispute department. It has been more than 5 months and they still refuse to refund this transaction. This is completely unacceptable.
Consumer complaint received 2023-11-16
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bridgecrest Acceptance Corporation (TX)

On XXXX XXXX XXXX, an auto loan account was fraudulently opened in my name, resulting from identity theft. I have taken steps to dispute this information with both XXXX and XXXX, including sending written letters, but no action has been taken to address the issue. Furthermore, the information on my credit report is inaccurate. The reported closing dates differ, and the account is incorrectly marked as charged off a long time ago. Additionally, there was recent activity on XX/XX/XXXX, further highlighting inconsistencies in the dates of account opening. I urgently request the immediate removal of this fraudulent account from my credit report due to its fraudulent nature and the discrepancies it presents in my consumer report.
Consumer complaint received 2023-11-16
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: OneMain Finance Corporation (NC)

XXXX  OneMain Financil location called from XXXX ( XXXX ) XXXX XXXX from OneMain Financial called. My car payment was one day late and I did cancel my payment. There some other things that took place with my family that week and I had to take care of that. I explained that I would call back to make the payment before the holiday. XXXX continued to be pushy and started to use language like the loan is secured by your vehicle as if to intimate me. I told her I am aware of that and I will be sure to do this before the holiday. She continued to pressure me and I continued to say I have something going on with my family might at that moment and I finally had to hang up on her. 

I went online to pay the payment because OneMain already called me earlier that day about two hours before. I knew if I did not submit the payment today they would continue to call because sometimes they call XXXX times a day. This is not first time someone from one of their offices has called be being a total jerk. They have no tact when speaking with customers and treat us like a collection cases of people with no value. This is why I dont like talking to them on the phone and ignore the calls if I can not make the payment right then. They make consumers feel worthless and they are very aggressive. 

I called back and asked to speak with XXXX supervisor and they were busy. I told her I did not appreciate her tone and her response was she was just doing her job. Admittedly, I told her that she did not have to be an ahole when doing her job. I was very upset to be interrupted while at was dealing with a family emergency. I should not have said that, and I do apologize for it. She made me feel bad about myself and had no empathy. She does not know what is going on in my life and I dont have to disclose it. People should be treated with respect instead of a task to collect money on their dialer. How does she know if someone did not die in my family that week? She didnt, all she could do was worry about the payment so she could do her job.
Consumer complaint received 2024-05-04
Product: Student loan — Private student loan
Issue: Getting a loan — High pressure sales tactics or recruiting
Company: Navient Solutions, LLC. (MT)

Navient is a predatory lender. I was scammed into taking out loans with Sallie Mae now Navient to attend the art institute of California XXXX XXXX from XXXX to XXXX. XXXX and sallie Mae/Navient preyed on student that didnt know any better. The debt that Navient put myself and other students in was intentional on their part, they knew we would never be able to pay it back. Navient never would offer any kind income based repayment plans until they got in trouble recently and then they forgave loans only for people who were NOT paying on there loans. The people who were paying their loans got nothing. During recruitment at school I was told my loans would be about {$300.00} a month. But when I started having to pay them they were {$1200.00} a month. {$1200.00} a mo for a freshly graduated college student that cant get a job in the field of study because the school is a joke. I paid {$1200.00} a month from XXXX to XXXX and no dent has been made on paying it down.
Consumer complaint received 2023-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

n accordance with the Fair Credit Reporting act XXXX Account # 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 2023-11-16
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. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2018-12-14
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I signed up for a Capital One 360 Money Market account XXXX, with the offer code XXXX attached. I was able to confirm I had the offer code attached to my account ( please see chat transcript ). The terms of the offer stated " Heres the full scoop on how to earn your {$500.00} bonus : Open a 360 Money Market account and deposit at least {$50000.00} between XXXXXXXX XXXX. ET on XX/XX/XXXX, and XXXX XXXX  ET on XX/XX/XXXX. '' I did cumulative deposits of {$50000.00} between XX/XX/XXXX and XX/XX/XXXX. That should have triggered the bonus. 

According to the terms, " Capital One will deposit the {$500.00} bonus money into your account within 60 days after completing the above conditions. '' Now, 60 days after the last deposit, I contacted Capital One to inquire about the bonus. On XX/XX/XXXX, I contacted them both via chat and phone. They are now saying that a balance over {$50000.00} was supposed to be maintained, but that was never indicated in the terms of the offer when I signed up. They are saying that was the intent of the offer, but was not indicated in the terms.