davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I had my checking account restricted on XX/XX/XXXX. I called Capital One at XXXX and was informed that my account would be closed because I used XXXX for XXXX XXXX, although I had previously verified XXXX transactions for Capital One and had the restriction lifted once before. On XX/XX/XXXX, I received an email notification that my account would be closed, and my funds would be sent to me via check or an externally linked checking account. It has been over 6 weeks since my account was restricted, and I still have not received my funds, despite visiting a Capital One branch without any assistance. Lucky for me I had some money in other accounts so I can pay my bills. The frustrating part is that I have to use another account to pay my Capital One credit card 's bill. Another frustrating aspect is that there is no recommendation in Capital One 's policies for customers not to use XXXX for cryptocurrency. Now I have money frozen in my capital one checking account and have no idea when can I get my money back. 
Sincerely,
Consumer complaint received 2024-03-29
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: Experian Information Solutions Inc. (NC)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-04-25
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A states I have a right to privacy.

15 U.S.C. 1681 Section 604 A Section : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2024-01-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC (HI)

My Destiny Card payment was due on XX/XX/24. I logged in to access my account at Destinycard.com to make my payment on the due date at XXXX PM XXXX. Their system would not allow me to make the payment on the due date and instead forced me to schedule the payment for XX/XX/24 thus rendering my payment late and incurring a late payment fee. 

On XX/XX/24 at XXXX AM, I called their customer service phone number at XXXX. I spoke to a customer service agent who identified herself as XXXX. I explained the issue to her XXXX times. She told me that the payment was late because it was made at XXXX PM XXXX time. I explained to her that I live in the Hawaii XXXX XXXX XXXX and that I attempted to make the payment on time. After XXXX hour and XXXX minutes on the phone, they refused to resolve the issue. I asked XXXX XXXX time to allow me to speak to a XXXX, after which she finally told me that her XXXX XXXX would call me back, but he never did. 

My concern is that they are charging customers late fees for payments submitted on time in the customer 's time zone, thus fraudulently forcing late fees and added revenue for their company. 

I checked their billing statements and their website, and I could not find any disclosure stating that payments made after a certain time in the XXXX XXXX XXXX would be recorded as late or that those payments would incur a late fee. 

I looked up the company XXXX XXXX XXXX XXXX XXXX on the Better Business Bureau 's website and there have been XXXX complaints against this company in the past XXXX years. This company should be held this company accountable for unfair, misleading and fraudulent business practices.
Consumer complaint received 2018-12-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: URS Holding, LLC (NC)

I have requested validation from XXXX XXXX they have failed on numerous occasions to provide this information. I have recently been informed that there is negative information reported by XXXX XXXX. Upon reviewing a copy of my credit report, I see a derogatory account with a balance of {$580.00}. This account was previously removed from my credit file. ( PLEASE SEE THE ATTACHED DOCUMENT ). 

I challenge the accuracy, compliance and reportability of this listing. XXXX XXXX has yet to provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted again from my credit file. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including  documentation of any potential small claims action. Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
Consumer complaint received 2024-01-08
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I received a credit monitoring alert as to XXXX inquiries furnished on my credit profile which was done so without my written or verbal consent. Per 15 USC 1681 I have the right to privacy and also fair and accurate reporting to my consumer credit profile and in this case my consumer rights were violated.
Consumer complaint received 2023-06-21
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: BANCO POPULAR DE PUERTO RICO (NY)

In accordance with the fair credit XXXX XXXX act, this company has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 U.S. Code 1681a - Definitions ; rules of construction - Exclusions. -Except as provided in paragraph the term " consumer report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose
Consumer complaint received 2022-02-24
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Block, Inc. (GA)

I took a loan from XXXX XXXX, a XXXX XXXX XXXX XXXX subsidiary. I owe the company the debt. The debt negotiation was made on my behalf by another credit relief company called XXXX XXXX. the negotiation was completed, and I made the complete payment for the debt. Then XXXX XXXX XXXX XXXX gave me a release letter for the account, which shows I have completed my payment. But t XXXX XXXX XXXX XXXX refuses to authorize the release of my withheld account. These accounts are Cash App and XXXX XXXX. 
Today, XXXX, the cash app sent me an email that XXXX XXXX has not sent them a release letter. my account with cash app and XXXX XXXX is still held because XXXX XXXX  refused to send the release letter to the cash app and XXXX XXXX for my accounts release please help me to tell XXXX XXXX XXXX XXXX to release my accounts. 

Thanks
Consumer complaint received 2024-03-17
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc (TX)

Affirm uses XXXX to link banks and they won't accept my bank but XXXX XXXX XXXXXXXX  forced the link without authorization from me. I reported this to XXXX and Affirm the first time I had a refund on an online purchase NOT GO TO THE LOAN but to this random bank account, without authorization. Clearly they use my bank to take payments, but they claim my bank isn't supported and force a link that the consumer refused to complete because they didn't want that account linked. I habe emails from XXXX proving they forced it because I didn't pick a brokerage account location. Then XXXX automatically completed the linking I didn't want. So I reported it and closed that bank account immediately. Then Affirm did it 2 more times, after being told and reported to fraud department, but the money couldn't go to the closed account so the representatives treated a CANCELLED LOAN like a refund and placed the funds under another loan on my account. It's illegal to force consumers to pay a loam for an item they never received. They admit they know it was canceled and that they made a mistake but insist NO ONE IN THE ENTIRE COMPANY CAN FIX IT and I habs to pay a loan, and its interest, when I never got the time and it was canceled. Then they took another refund and claimed the credited it to the same loan, but the loan amount is now higher than it was, before the {$450.00} refund. So they can't add, they are intentionally violating consumer laws, both state and federal, they are refusing ANY ESCALATIIN AT ALL and keep having regular reps answer escalation matters, with the same " oh so sorry but we can't fix it ... '' there is no way to contact a CEO office or consumer affairs department. This company is a massive violation of multiple laws and you CFPB are just sitting on your XXXX with little weird faces of XXXX... it's shameful. Oh and find reps hung up on me when I was wiating on hold for managers that dont exist.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS (CA)

Lexisnexis was asked to remove an automobile accident from my claims history that was reported to have occurred on XX/XX/2023. I DID NOT HAVE AN ACCIDENT ON THAT DATE. It is reporting on my XXXX XXXX which effects me applying for insurance or for the vehicle 's trade-in value. A fraudulent claim was reported to my policy. XXXX has agreed to have it removed from my claims history since they were the reported, however even after LexisNexis was provided with sufficient proof, they are refusing to remove it from my history.
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

As someone who has consistently adhered to payment deadlines, it is troubling to discover an error suggesting a late payment on my account. This mistake is causing undue stress, and I urge you to promptly correct it by ensuring my records are updated accordingly.
Consumer complaint received 2018-12-23
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: HEARTLAND PAYMENT SYSTEMS INC (CA)

XXXX switched to a new company called XXXX XXXX. My original agreement with the university was to pay quarterly. However this company has decided to make me pay monthly my quarterly amount. I tried to do automatic payments, however they make me pay my quarterly amount monthly which makes it 3x the agreed amount. Additionally they charge large for almost all forms of payment ( including one time payment direct withdraw from checking account ).

They also keep charging me late fees due to their own internal error of not being able to do quarterly payments vs monthly / failing to properly adjust the amount and now they reported my account within 5 days of being past due, despite my payment being only 5 days late.

This has caused undue financial burden and harm to my credit score and well-being.
Consumer complaint received 2024-03-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO. (NC)

today i logged into my credit file to see JPMCB CARD is reporting a debt of {$1000.00} to credit reporting bureaus, i have never done business, signed any contract or documents with JPMCB CARD or anyone they are collecting for, I do not wish to contract or do business with JPMCB CARD.
Consumer complaint received 2024-03-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (NC)

today i logged into my credit file to see EXXNMOBIL/CBNA is reporting a debt of {$500.00} to credit reporting bureaus, i have never done business, signed any contract or documents with EXXNMOBIL/CBNA or anyone they are collecting for, I do not wish to contract or do business with EXXNMOBIL/CBNA.
Consumer complaint received 2024-04-19
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. XXXX Account Number : XXXX & XXXX XXXX XXXX  Account XXXX I did not authorize it. I am a victim of ID Theft please investigate and remove it from my credit report ASAP. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. This is causing great stress and greatly affecting my ability to buy a home for my family.
Consumer complaint received 2023-08-30
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: Experian Information Solutions Inc. (VA)

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 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 2023-09-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: CITIZENS FINANCIAL GROUP, INC. (ND)

I tried switching to biweekly mortgage payments in XXXX and XXXX of this year. The correspondence that Citizens Bank of XXXX XXXX, VA sent me during this process was unclear and not forthcoming. This resulted in me missing a payment and being assessed a late fee of {$56.00}. Once that issue was resolved, the biweekly auto draft started coming out of my account. Fast forward to end of XXXX early XXXX and my auto draft biweekly payments stopped. I called citizens customer service and spoke to several individuals and they have no idea as to why this occurred. I am deeply troubled and concerned with the way this Bank operates. I think they have dishonest business practices and are intentionally making it hard for me.
Consumer complaint received 2024-02-16
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc. (GA)

Sent certified Letters to the credit agencies on 3 different occasions, letting them know that the student loans should have been discharged based on me filing XXXX XXXX Bankruptcy. Netnet is the service provided and I contacted them several times as well to no avail. 

I have filed an Identity Theft report on the FTC which I will attach to this complaint also. 

The total amount of the fraudulent student loans = {$47000.00} I legally changed my name to XXXX XXXX XXXX which will be the name listed in the report below.
Consumer complaint received 2024-03-29
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Experian Information Solutions Inc. (GA)

EXPERIAN Report # XXXX XXXXXXXX, is listing an Account with negative and derogatory information on my credit report, I am requesting the below listed account be deleted immediately! And removed from my credit report. And opt-out all together from reporting. 
Account number listed as XXXX ACCORDING TO 15 USC 1666 and its entirety IT IS UNLAWFUL TO REPORT LATE PAYMENTS The Fair Credit Reporting Act or 15 USC 1681 section 602 states There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

Finally, 12 CFR 1016.7 A consumer may exercise the right to opt out at any time. I am opting out of your reporting services.
Consumer complaint received 2024-03-13
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: Chime Financial Inc (NJ)

Claim ID : XXXX Chime strikes once again. This is exactly why I never use them any more for purchases that I know will have even just a 1 % chance of me later on needing to dispute them. Just like with all my other disputes in the past that Chime grossly mishandled, I showed them more than one piece of documentation. I showed them all my communication with the merchant in which case I got nowhere and got no response ( Attached ). More importantly, I showed two photos of the service provided, which prove that still after a year and 3 months the work has not been properly completed ( Also attached ). I provided valid documentation, and I know for a fact that the merchant didnt even respond at all. Because if they did, I wouldve been provided with more than a copy of the intake form. And when the cardholder shows documentation and the merchant doesnt even respond at all, the bank is automatically supposed to go in favor of the cardholder. Chime needs to stop playing their sick games and credit my account for the funds of the XXXX transactions equaling {$1600.00}, so that I can go elsewhere and have this god awful XXXX removed and a new XXXX put in. One that matches the color as the rest of my XXXX, is not bulgy, and is properly aligned according to the rest of the front bottom row of XXXX. Also as you can tell in the photos of my mouth, they removed what they claimed was excess XXXX XXXXXXXX, but obviously removed too much and claimed to me several months ago it would grow back. But it hasnt one bit If Chime refuses to take the appropriate action and credit my account for {$1600.00}, not only will this complaint and the fact they did not resolve this remain on file, but I will be filing a lawsuit against them for the value of this dispute, along with the value of the other disputes I had filed with them in the past against XXXX. These people should not be able to continue to get away with their unethical business practices, and they won't. Not if I can help it
Consumer complaint received 2024-03-29
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. (FL)

The recent changes in my credit report have left me feeling distressed, dissatisfied, and anxious. Despite always meeting payment deadlines, some accounts now show late payment remarks. I haven't missed any payments, and it's essential to resolve this matter promptly. I require your assistance to ensure that my credit report precisely reflects all on-time payments, maintaining its full accuracy.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

So I requested to have my utliization stop being reported and requested to opt out and withdraw any and all authorization given to to report to a third party per law 16CFR313 the privacy of consumer financial information Rule under the Gramm-Leach-Bliley Act they refused and said I CAN NOT opt out and they will still report to the credit bureaus.
Consumer complaint received 2024-02-16
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (IN)

XXXX and Paypal and Synchrony Bank dba Paypal Credit offered me various zero-interest credit with a stated credit limit in the amount of {$3900.00}. They have refused to allow me to utilize the line of credit EVERY TIME, despite that the transactions were only for approximately half the total available credit. They avoid being contacted then only via " chat '' messages contained only on their server and point fingers at one another in a circular route. Finally, when confronted with the fact that both Synchrony Bank ( dba Paypal Credit ) and XXXX insist that Paypal is to blame and can fix it, does Paypal admit to blocking every transaction vaguely citing " security reasons '' which they refuse to identify and refusing to provide instructions on how to resolve the alleged " issue ( s ) ''. 
After each new denial of credit, I have contacted Paypal a number of times, each time being required to first contact one or both the other two partners then once pinned down, returning to the same spurious and unspecified " security issues '' I have used XXXX for decades, successfully selling XXXX and other laptop computers and other high-dollar items I no longer needed after buying the newest model as often as every six months without even a single complaint. Over the most recent two years I've made some sales -- again absent of complaints -- but also some purchases. 
The companies haven't notified me by email of ANY issue, security or other, nor have they instructed me as to how to cure the alleged but unnamed issue. 
The no-interest offers keep being made more appealing, from an initial 4-months to 6-months, to 12 months and now 24-months. 
Yet, though they specifically target me, stating my {$3900.00} avaiilable credit, each time I attempt to utilize the established, approved credit line, I am being unfairly denied credit in a set of circumstances where other similarly situtated persons are not being denied.