davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-04
Product: Credit 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: AMERICAN EXPRESS COMPANY (WA)

I booked a flight for my wife and XXXX children on XX/XX/year> for {$1700.00} with XXXX XXXX using my American express credit card ending XXXX. I was sent one confirmation email with Booking Reference XXXX. Ticket number of the lead passenger is XXXX. 

Two separate charges for the same amount appeared on my statement, each for {$1700.00} with the same date ( XX/XX/XXXX ). 

I disputed the duplicate charge with XXXX XXXX who initially said I had been charged once. I then disputed the charge with Amex multiple times. Each time, the Amex agent I spoke to agreed there had been a mistake and filed a dispute with the " back office '' team. However, the three official responses from XXXX XXXX and this team the did not resolve the dispute. 

The first official response ( XX/XX/XXXX ) provides a refund of {$450.00}. It is not clear why this particular amount was refunded rather than the full amount. 

The second official response ( XX/XX/XXXX ) declines further refund of the remaining {$1300.00}. The second response is accompanied by information from XXXX XXXX on the disputed, duplicate charge. The Booking Reference ( " Confirmation ( PNR ) '' ) is XXXX. Ticket number for the lead passenger is XXXX. I have no record of any booking or confirmation email with this reference or ticket number. The document contains " proof of payment '' ( page 16 ) but this is not evidence that I initiated or approved the transaction ( which I did not ), just the details of the payment they took from Amex. 

The third official response ( XX/XX/XXXX ) is inconsistent and confusing. It acknowledges two separate transactions and claims that the disputed transaction ( ticket number : XXXX ) was paid for on a card ending XXXX. I do not have a credit card ending in these numbers. In contrast, the supporting evidence from XXXX XXXX for this transaction states : " Merchant response type : Accept '' and " The merchant accepts this dispute. No rebuttal documents to be sent. '' But it also states : " No credits to be issued. 

Aside from just messing up on the third response, a key issue here is that Amex does not seem to have a robust process for determining if a customer initiated or approved an internet transaction in the case of duplicated charges ( where, by definition, the merchant has valid payment details ). The third response contains details of the valid transaction ( reference XXXX, ticket : XXXX ) including the IP address used. These details are missing from the disputed charge. The the lack of these details indicates that XXXX initiated the disputed transaction, not me. Amex could have deduced that from their omission ( but probably needs an even more robust process ).
Consumer complaint received 2024-05-05
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (CA)

I am aware of the " School Misconduct Discharge '' form which has been sent out to borrowers from bad actor schools.

The school that I went to, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX was recently included in XXXX XXXX XXXX XXXX broad cancellation of all federal debt due to their gross misconduct and negligence. This was due to strongly documented fraud and misrepresentations that were taking place by the chain of schools under XXXX as a whole. I have applied for borrower defense to repayment and not been paying my federal debt for years due to knowing that it was the product of fraud. I have been strongly opposed to paying my private debt associated with it as well, but have been forced to continue paying it in order to preserve my credit rating. 

I therefore strongly believe that my private debt which is the product of my attendance at XXXX XXXXXXXX XXXX should also qualify for discharge since Navient DOES have a program that is dedicated to this and has already canceled the debt from other colleges such as XXXX, as well as refunded the payments made towards it since XXXX. 

It is very important to me that I do not continue paying towards a school experience that I have never profited from and has been a terrible burden on my life as well as my husbands, who is also a cosigner on one of my private navient loans.
Consumer complaint received 2023-11-14
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

someone tried to open a Bank of America credit card in my name. It was actually a XXXX XXXX XXXX XXXX. It was done on XX/XX/2023. The reference number was XXXX. I received a rejection letter in the mail.
Consumer complaint received 2024-05-04
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc. (GA)

I am wanting to apply to separate my federal Spousal  consolidation loans. I contacted my servicer requesting a forbearance while we wait for the federal government application process to be completed, but I was told there is no forbearance available. The student aid.gov website says that we should file a complaint with your office in order to obtain the forbearance and notify the government of our intent to separate the spousal consolidation loan. My husband is a XXXX XXXX and would qualify for public service forgiveness, but we can not get that while we have the consolidated spousal loans.
Consumer complaint received 2024-02-07
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes — 
Company: CITIBANK, N.A. (GA)

A credit card was opened in my name, and was due to identity theft. I contacted all three credit bureaus to put a freeze alert on my credit. This card is still showing up on my credit report and is inaccurate. I need it removed.
Consumer complaint received 2024-05-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (VA)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. The account they are reporting does not belong to me. I have no knowledge of it and they are refusing to provide documentation verifying this account. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on The credit bureaus have no respect for the laws. Someone needs to hold them accountable for this I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this investigation within 30 days of receipt of this letter.
Consumer complaint received 2023-06-06
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Apex Mortgage LLC (MD)

I am a single mother and I needed a mortgage loan to enable me to get a house for my kids. XXXX XXXX XXXXXXXX promised me that he can help me get the mortgage loan but before he can help me, I should put some money upfront to be held in Apex Mortgage LLC. 
Escrow account and that the money will be returned at the time of closing the house. I have saved for 4-years and came up with {$62000.00}. I finally found a house and I needed {$7000.00} out of my {$62000.00} to be given to the Title company. He started giving me excuses and changing his story whenever I asked for my money. That was when I realized that, I have been scammed. I then came to realize that, Apex Mortgage LLC. does not have an Escrow account, he was depositing my money in his personal account. XXXX XXXX  ( XXXX ) XXXX frauded me with {$62000.00} and he does not want to pay my money. He gives excuses and changes his story for the past two weeks whenever I asked him for my money. 
I have been calling the Apex Manager and sending him messages but he is not responding. All effort to get my money back has proved futile. 

Please, I would like to advise the general public to desist from using Apex Mortgage LLC. located in XXXX to prevent being scammed by this company. I have already contacted the XXXX XXXX Police Department to file a complaint. 

I have also filed a complaint with the FBI, the Federal Trade Commission, and now the Consumer Financial Protection Bureau. Hopefully, they can help me retrieve my money back.
Consumer complaint received 2024-05-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ARVEST BANK GROUP, INC. (OK)

In XX/XX/XXXX a paycheck was deposited by accident and XXXX accounts. The first account was XXXX XXXX. The second account was arvest bank. XXXX XXXX  immediately sent the money back to XXXX  XXXX XXXX and cancel the account. I have proof of the account being in active since XX/XX/XXXX. XX/XX/XXXX for the same amount of {$XXXX} was taken out of my Arvest account. The amount should not have been taken out. Arvest was unable to tell me exactly where the amount went and that I need to speak to the remitter. The remitter is XXXX  XXXX XXXX through my work, XXXX. I have tried to get information and this problem solved for a month now. Arvest says talk to XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Arvest Arvest. Im at a XXXXe. Please help me resolve this. This is money I need to live off of.
Consumer complaint received 2024-05-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (IL)

I started receiving letters in the mail in XXXX from Jefferson Capital, a debt collection agency, claiming that I owed {$1200.00} from a XXXX account. I have never had a XXXX account, so I ignored it assuming it was just a scam. I later find that this debt is showing up on my XXXXredit score. Great. 
I recently disputed the debt through XXXX, and the dispute results come back that the debt is " Verified As Accurate '' so completely useless.
Consumer complaint received 2024-05-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (FL)

Delete this account because you can not furnish any documentation that would verify ownership. Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-05-04
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I responded to an advertisement to open a new " XXXX XXXX XXXX '' account with Capital One. The terms of this offer included a {$XXXX} bonus for depositing, and maintaining, {$XXXX} in the account. 

I completed the terms of this offer, opening the account on XX/XX/2023 with the promotional code " XXXX ''. I was able to deposit just over {$XXXX} to the account within the timeframe indicated ( approximately XXXX weeks ), and held those monies in the account for the duration indicated ( in fact, all of these monies remain in this account, as I write ). 

I became concerned, earlier this week, that the {$XXXX} bonus hadn't posted, per the terms of the agreement. I contacted Capital One ( by phone ) on XXXX, and spoke with a Customer Service Representative named " XXXX, '' who informed me that I had failed to complete one particular component of the bonus requirements, which I will explain below. 

This particular account opening bonus was for individuals without an open XXXX XXXX Savings Account. I was able to successfully open the account ( online ), and have the promotional code applied. In the next day or two, when I was initiating online access for my ( new ) account, I noticed that there were two existing accounts ( XXXXne for each of my ( now ) adult children ), with a penny in each. These accounts had been opened, and essentially abandoned, approximately 12 years prior. Realizing I had these abandoned accounts still " hanging around, '' I immediately closed them. 

I guess my concern is how could I have possibly known that there were two ( decade old ) savings accounts " on my record '' with Capital One, if I had received no communication regarding these accounts in 10+ years? Furthermore, I think it unfair ( and perhaps predatory, I'm not sure ) that Capital One would allow me to open my new account, accept the bonus code ( as one of my attached photos will show ), and not inform me that there was this technicality that would prevent me from receiving my bonus until months later, when *I* initiated a phone call. Frankly, it appears that Capital One would have had to have known that I would ( ultimately ) be ineligible for this bonus from the start, and let this whole affair play out for months on end. It seems rather inappropriate and unfair to me.
Consumer complaint received 2022-10-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CLGF Holdco 1, LLC (FL)

The company CB Indigo is reporting inaccurate and misleading information to my consumer reports. Ive contacted the company regarding a validation notice for inaccuracies and have not received any written correspondence. CB Indigo failed to maintain reasonable procedures regulated by law and ignored my consumer rights.
Consumer complaint received 2023-10-25
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. (CO)

Ive made extensive efforts to have inaccurate information to be removed from my credit report. This includes inaccurate phone numbers, names, social security number and addresses. Ive sent Experian a copy of my FTC report they fixed most of the issues except the wrong addresses. Ive made phone calls, sent multiple letters to address this issue. I plan on taking legal action against Experian damaging my reputation and financial status.
Consumer complaint received 2023-03-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NV)

After a year and half of trying to resolve the issues with this mortgage, I filed a complaint here late last year ( XXXX ) and on XX/XX/XXXX I received a reply from PHH Mortgage stating that I had been granted a new loan modification and I would be receiving documentation detailing said new modification in the following days. It is now XX/XX/XXXX, and despite several phone calls over the last few weeks, and speaking with a few PHH associates I have not received any further information on the loan modification I was promised. Currently my account is in forbearance that ends on XX/XX/XXXX. I will be requesting an extension. And I will continue to call to try and speak with someone. But at the end of the day, this entire saga has been exhausting, frustrating, and scary. I'd like resolution.
Consumer complaint received 2023-04-21
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. (IL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2018-04-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Early Warning Services, LLC (GA)

I started using XXXX as a company I deal started using this as the only form of payment. The app work great for the first 2 months. On XXXX18 I was notified that a payment sent to me was returned. I contacted XXXX and talked to several Reps who stated they did not see a problem but would " tweek '' the account. Several hours later I was unable to log into my account. Again, after speaking with several reps I was told I was no longer eligible to use the service. When I inquired as to why was there a problem with my bank account or debit card so that I could try to correct the problem. I was told they could not/would not tell me only that I could not use the app. I was totally surprised as they did not want to help, only cancel my account. This is the only was the company will pay me. They treated me rude and would not tell me why they deleted my account. They also first refused to let me speak to a supervisor. When I finally did speak to one she stated she could not go into detail with me and there was nothing more she would do.?? I was wondering if my account was hacked or compromised, but again she would not tell what the problem was, only that " I '' could not use the app. I have good credit and am financially sound. There are no reasons I know of to be treated this way
Consumer complaint received 2024-05-04
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions (NJ)

I don't recall having a contractual relationship with this collection company RENT RECOVERY SOLUTIONS. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-05-04
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: U.S. BANCORP (MA)

Went to a XXXX dealership to buy a new motorcycle ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX and as expected they asked my information for a credit check, I filled all the documents and to my surprise, after I left the dealer I saw an email that I got approved for a new credit card for XXXX. I did sign a credit application, but at that moment my understanding that was related to a Motorcyle loan NOT a credit card.
Consumer complaint received 2024-05-04
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: CL Holdings LLC (SC)

I sent a cease and desist to Jefferson Capital systems demanding the accounting and all documentary evidence of this alleged debt & they failed to do so. Any alleged debt transferred only transfers the debt, not the ownership nor obligation of the consumer. Im demanding them to immediately cease and desist through all mediums which includes reporting to the consumer reporting agencies. I am opting out of furnishing this information on my consumer report.
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: World Acceptance Corporation (SC)

for over 4 years i have been trying to remove this off my credit report but they just refuse to remove it off my report, this was fraud because i never signed a credit report my next step is a arbitration because this was fraud and its been reported but they refuse to remove this off my report i never received a loan from the is credit central company please have them remove me