davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I have held several capital one credit cards for about three years now and have been on auto pay with payments coming out of the same XXXX XXXX checking account to cover the minimum payments for each credit card. 
Between XX/XX/2022 and XX/XX/2022, Capital one was accepting payment on two of my credit cards but rejecting payments from two other cards ( platinum and Quick Silver ) thus returning the payment and charging late fees ; moreover, reporting late payments to my credit report. They took zero accountability and blamed XXXX XXXX bank claiming that XXXX XXXX had blocked payments on the two cards that had never had any issues before receiving payments unless it was due to insufficient funds ( in this case my account had money available to cover the bill ). The other two cards received funds from the same account without incident. 
When I spoke to two XXXX XXXX branch managers an bout my account they assured me that there werent any blocks against Capital one nor was it due to any insufficient funding. Capital one refused to refund the late fees and to update the credit bureaus on the error. payment on two of my credit cards but rejecting payments from two other cards and charging late fees ; moreover, reporting late payments to my credit report. They took zero accountability and blamed XXXX XXXX bank claiming that XXXX XXXX had blocked payments on the two cards that had never had any issues before receiving payments unless it was due to insufficient funds ( in this case my account had money available to cover the bill ). When I spoke to two XXXX XXXX branch managers an bout my account they assured me that there werent any blocks against Capital one nor was it due to any insufficient funding. Capital one refused to refund the late fees and to update the credit bureaus on the error.
Consumer complaint received 2023-07-24
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (MI)

I already sent a complaint on XX/XX/23, but the response I got was not right. The university that was stated in the response was wrong. The correct school is XXXX XXXX XXXX not XXXX XXXX. I stated I received a letter that explained how I was ineligible for the loan and there is no record of it at XXXX XXXX XXXX. I never received a single XXXX. Also, I had to have a co-sign when I tried applying for this loan. Somehow none of this is on the co-signers record? How is that possible? Please take me off this loan, I NEVER RECEIVED IT. THANK YOU.
Consumer complaint received 2020-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ONEMAIN FINANCE CORPORATION (TN)

XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, Tennessee XXXX Acct # XXXX OneMain Financial XXXX XXXX XXXX XXXX XXXX, TX XXXX CC : Consumer Financial Protection Bureau XX/XX/2020 To Whom It May Concern, I am making a formal complaint regarding your credit inquiry process. 

I am distressed that you have reported multiple hard credit inquires to my XXXX  credit report when it was communicated to me by your representatives that OneMain Financial offers via XXXX XXXX were soft inquires and therefore would not appear on my credit report at all. It was also communicated to me that once I already had loan from OneMain Financial that any additional loan inquires would only be soft inquires. 

There should be only one hard inquiry on my credit reports for OneMain Financial. As it stands today my XXXX  credit report shows a total of FIVE hard inquiries from OneMain Financial which negatively impacts my credit rating. This is especially distressing because I was a great customer, always made my loan payments on time and even paid off my loan in full early. I did this thinking that OneMain Financial would definitely see me as a great customer if ever I needed to get a loan in the future ; however its a slap in the face to see that my great stewardship and diligence to build a positive credit trade line ends up actually hurting my credit score.

Therefore I contend that OneMain Financials processes for credit inquires exceeded expectations and was performed without properly informing me, the customer that these were hard versus soft inquires to my credit. I also contend that OneMain should do more to properly educate their representatives and potential customers on the difference between hard versus soft inquires as it was clearly not communicated to me that all credit reporting benefits of obtaining and properly paying on a OneMain Financial loan would be negated due to excessive inquires. Had this been properly communicated Im quite sure I would not have applied at all. 

Under federal law, you have 30 days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your re-investigation.
Consumer complaint received 2023-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WELLS FARGO & COMPANY (IL)

Got email from Wells Fargo that an application for a credit card was submitted on XX/XX/2023. Multiple emails alerts were also received from XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX about a new inquiry/credit card application. 

Soon, someone contacted me from WF and went through the whole nine yards asking questions and validating information etc. Then they hung up saying that they will investigate and close the account/application that was not opened/submitted by me.

In the afternoon of the same day, another person from the same institution WF called and once again verified and validated a sequence of information and once again they confirmed that the fraudulent application was submitted and they will deny the same.
Consumer complaint received 2020-03-03
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: AMERICAN EXPRESS COMPANY (NJ)

i have been a customer here Am ex 30 years. In the past with other banks when we have gotten sick from food at restaurants disputed the item when the merchant does not resolve it-here i did the same thing, and got a ridiculous response. To talk to merchant which i called with no response. Both daughter and i got violently ill after XXXX XXXX meal. i do not need to have explained to me what a tort is i am in law school anyway i will now be unaable to use any of my 3 accounts i have had for years. all over XXXX dollars. this was not handled properly The restaurent was not contacted by you either i did with no response I want my money back
Consumer complaint received 2022-12-13
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. (OH)

I have sent XXXX cards a validation letter disputing the debt on XXXX. Pursuant to the FDCPA. XXXX cards failed to provide me any evidence within XXXX  days that they have a right to collect on this debt. Therefore by law the account is errant and must be zeroed and removed from my credit report. XXXX closed the account but failed to zero it and also reported negatively on my credit report. I also sent another round of letters to their headquarters in New York. Still no validation response from them. Also sent letters to all three reporting agencies along with all correspondence i sent XXXX cards saying that the creditor has not validated the debt, the account is errant and needs to be removed by law. The reporting agencies failed to remove the account and follow the law as well. XXXX removed the account at first from my report but then put it back on after the validation time was over. I believe that is also a violation of the law to remove an account and then put it back on.
Consumer complaint received 2020-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Army and Air Force Exchange Service (TX)

My name is XXXX XXXX XXXX XXXX on XXXX XX/XX/XXXX, I emailed in a copy of my XXXX Orders to XXXX XXXX dated XXXX XX/XX/XXXX. I received a confirmation email on XXXX XX/XX/XXXX, saying that my accounts were placed under the AAFES XXXX Benefit program which stated, We have applied the 6 % XXXX benefit to your MILITARY STAR account, which is set to expire XXXX XX/XX/XXXX. You will continue to receive statements during this time for as long as the account has a balance. Also, payments will be deferred and are optional. Although payments are not required while the account is coded for the XXXX benefit, it is in your best interest to make monthly payment to lower your account balance and take advantage of the lower interest rate. 

On XXXX XX/XX/XXXX, when we were able to gain access to the internet here, I received a notice that both my AAFES Account ending in XXXX and the one mentioned about ending in XXXX were both being reported as 2 payments past due and my leadership was notified. I immediately contacted AAFES customer service who stated that the accounts were annotated, but that for some reason the deferred payments benefit was not input and that they would correct the issue immediately. 

The benefit for deferred payments was applied to the account ending in XXXX, but evidently it was not applied to the XXXX account and it was reported to the Credit Bureau as 30 days past due when it should have been due to the entire account being eligible for the Deferred Payments as listed under the AAFES XXXX account benefits section which I have attached to this email as well. 

I emailed again on XXXX XX/XX/XXXX and received a response from XXXX XXXX XXXX XXXX Operations on XXXX XX/XX/XXXX stating that the benefits were applied to the account and started on XXXX XX/XX/XXXX, however I am unsure if it was applied to both the AAFES Starcard and the Take It Home Account. 

I had this account paid in FULL a few days later, but was not aware that it had already reported as past due to the credit bureau. Now, I am requesting that the account mentioned above ending in XXXX be correctly reported to the Credit Bureaus and never having been late for this 30 day period because now incorrect reporting my AAFES has impacted my credit rating and my leadership is considering removal of my security clearance because of this oversight by AAFES. 

If possible, I will also like to request a letter stating that the account was erroneously reported as past due and that the issue will be resolved and reported correctly to the credit bureaus immediately. 

This is a serious matter for me and my career as I am sure you are tracking and countless other Soldiers and Families count on the accurate reporting and establishment of XXXX related benefits from AAFES because they provide a tremendous service to our troops, so please understand my concern for this issue and in getting it resolved as quickly as possible.
Consumer complaint received 2020-03-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (NY)

I have a Amazon Rewards Chase VISA card. I have the " auto pay minimum balance '' feature turned on for the account so the minimum payment is made in case I can't pay off the current balance. 

On XX/XX/XXXX, I used my smart phone app to schedule a payment to pay off the current balance of {$630.00}. I selected the amount to pay ( {$630.00} ), I scheduled the payment for that day, I authorized the payment. I then closed the app. 

On XX/XX/XXXX, I used my pc to log into my credit card account. I saw that the balance was not yet paid, and then I logged out of the account by closing my browser. 

On XX/XX/XXXX, I checked my account balance, it showed a credit of {$630.00}. I looked at the payment history, and it showed ( 2 ) payments of {$630.00} from my checking account. 

I have to add that the auto pay is not scheduled to pay the minimum until the 7th of the month. 

I called the credit card customer service department, they said the activity time stamps show that I made the XXXX payments on XX/XX/XXXX and XX/XX/XXXX. 

I REPEATEDLY TOLD THEM I DID NOT GO THROUGH THE PROCESS OF PAYING THE CARD BALANCE ON XX/XX/XXXX. 

They would not listen to me and refused to immediately refund the {$630.00} credit back into my checking account. The only recourse I had was to elect to receive a reimbursement check that would take 2 weeks to receive. I would not be allowed to use the credit card during this time. This recourse makes no sense to me. 

This is not the first time this has happened. This same sequence of events also occurred the previous billing period. 2 payments of {$200.00} were made on XXXX & XX/XX/XXXX, and I ended up with a credit. At the time, I couldn't remember going through the process of making the 2nd payment, but chalked it up to my making the mistake. I didn't report this to Chase at this time.

So, I have 2 payment situations that I believe are caused by some software glitch in their system. Even though their data contradicts it, I KNOW that I didn't make the second payment of {$630.00} on XXXX XXXX
Consumer complaint received 2023-07-24
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc. (VA)

I have a XXXX dollar mortgage because interest rates and inflation along with high cost for childcare and diapers and everything that comes with having XXXX children. I do not qualify for a income driven repayment plan that is suitable because I make XXXX a year and my husband makes XXXX but with the mortgage, child care and inflation, when I did the income driven repayment it put me at XXXX when the original payment was XXXX. And then this loan divided all my loans and all the interest rates are different from 5 % to 2 % and it is supposed to take ten years of XXXX to pay XXXX off which makes no since. The payment plans should account for mortgage, current debt, children, and area of living.
Consumer complaint received 2020-03-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Claim Number : XXXX Bank of America is intentionally filing my claims incorrectly to not have to credit me for fraudulent transactions. 

They are also reporting that I lost my card, which I did not ( I did not have my wallet on me at the time of reporting the fraud but it wasn't lost or stolen. ) Someone either took a picture of my card, or picked it up to make the fraudulent transaction and immediately placed it back down. 

I never order anything from the merchant in the dispute, they called me and asked me if I purchased the merchandise, I said no and they hung up ... oddly enough they never credit the money back to my bank. 

Bank of America was notified, and repeatedly reported the incorrect information several times in attempt to not approve the claim. The transaction was never verified by myself and I need my money back!
Consumer complaint received 2020-03-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: PNC Bank N.A. (FL)

My PNC Bank credit card was compromised and my card balance is pretty much maxed out! PNC advertises a zero fraud liability, I am disputing all transactions on my account with the exception of the XXXX Office transaction for {$27.00} on XX/XX/20. 

All transactions made after the XXXX Office transaction for {$27.00} on XX/XX/20 are fraudulent. 

I have tried to contact my bank several times, but I can't get through to anyone because the automated voice system requires me to know my full 16 digit credit card number in order to file a claim! 

My phone and wallet with my photo ID and social security card were also stolen around the time my credit account was compromised, I am only becoming aware of the transactions today because my phone was stolen and I have paperless notifications about my account. 

This is so unfair! If someone has been calling in to verify these transactions, it is not me! They are fooling PNC to believe that they person with me card is me, and leaving me to pay the balance!
Consumer complaint received 2018-03-04
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: Experian Information Solutions Inc. (IL)

Creditor Name : XXXX XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX  XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX. 

Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX   XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX   ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX  XXXX XXXX XXXX Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX  XXXX XXXX XXXX Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX  XXXX XXXX XXXX Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX   ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I have disputed these accounts with all three credit bureaus by letters.
Consumer complaint received 2019-11-21
Product: Mortgage — FHA mortgage
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Freedom Mortgage Company (WI)

In XXXX of XXXX we filed for bankruptcy but did not include the mortgage in the reaffirmation. The mortgage was then sold to Freedom Mortgage from XXXX XXXX XXXX. From XXXX or XXXX of XXXX the mortgage payments were paid in full and on time by automatic payments. Now we find out that Freedom Mortgage is not reporting anything. After repeated request, they still refuse to report to the credit bureaus that we now have no missed payments, and no late payments for over a year and a half. Yes, our credit score suffered because of the bankruptcy, but now, for whatever reason, Freedom Mortgage is obstructively hindering our attempt to rebuild our credit, by refusing to report.
Consumer complaint received 2022-06-06
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. (MO)

I've contacted XXXXXXXX XXXX XXXXXXXX & they told me I've never missed a payment, yet XXXX, Equifax and XXXX refuses to remove me from being listed as 30 days late on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do XXXX, Equifax and XXXX 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile.
Consumer complaint received 2020-03-03
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 — Problem with personal statement of dispute
Company: CITIBANK, N.A. (TX)

Around XX/XX/2014, an unauthorized transaction was made using my Macy 's credit card without my knowledge. Because I was not aware of the occurrence of that transaction, I was under the impression that card balance was {$0.00} and didn't make the payment at the end of billing cycle. After few months this resulted in a charge off. I only realized this when I got the call from collection agency to which credit card company deferred. 
Since 2014, I requested the credit card company many times to consider that transaction as fraudulent transaction and remove the charge off from my credit report. I also paid off the full balance - original transaction amount + interest to the collection agency. Credit card company is refusing the consider the transaction as fraudulent transaction and remove the charge off from credit report. 
My credit score is negatively impacted because of charge off. It is very unfair that credit card company is not accepting a fraud transaction as fraud transaction and unwilling to remove charge off from the credit report.
Consumer complaint received 2020-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: ProCollect, Inc. (TX)

So I went to apply for residency at some townhomes at that point I was denied occupancy due to the fact of some information on my consumer report so when I called in the have the information sent out to me it showed I had a judgement placed on me back in XX/XX/2013 for XXXX for XXXX XXXX XXXX  with inaccurate information which I feel I should not be liable for anything due to the inaccurate information that was placed on my report so when I was finally was able to get in touch with the complex to see what the issue was I received a copy of my rental history from them and the information was alot different from what which was placed on my consumer report and when I advised of the information I was referred to a debt collection agent called pro collect I feel like this was a fraudulent case on my report and on my behalf it has caused me alot of denials and anguish for certain things and issues I would like to have this issue resolved and dismissed if possible I have both copies of the letters if needed to be verified also there are spellings of names on my consumer report that is not me I also summited a copy