davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

On XX/XX/2020, I used the Capital One pre-approval site to see if they would approve me for a credit card. The response indicated I would be approved for a card. 
On XX/XX/2020, I formally applied for the Capital One Savor card on the Capital One website, and I was declined, although I was offered a different card with a {$1000.00} credit limit. I declined, as this was not the card I wanted with the features that I wanted. 
Later that day, I received an email from Capital One that provided me a copy of the credit card rejection letter. The reason provided for the decline was, " number of bank cards tradelines opened in the last 24 months. '' It did not provide an actual number, however. The letter did note my XXXX credit score being XXXX. 
On XX/XX/2020, I wrote and mailed a letter to Capital One, requesting more information about the reason for being declined. Specifically, I wanted to know what the maximum number of tradelines that could be opened in the last 24 months, so that I would know what steps could be taken to get approved for this card in the future. 
On XX/XX/2020, I received an email from Capital One that provided me a copy of the same rejection letter with only the date of the letter updated. I did not receive any reply to the questions I sent in my letter. 
On XX/XX/2020, I sent a 2nd letter to Capital One, requesting the same information as before. 
On XX/XX/2020, for the second time I received an email from Capital One that provided me a copy of the same rejection letter with only the date of the letter updated. I did not receive any reply to the questions I sent in my 2nd letter. 
Since XX/XX/2020, I have tried to contact Capital One by phone to get answers to my questions several times, trying various phone numbers. Those calls have been futile, as either I get a recorded message that the application team is unable to take calls, and I am disconnected, or customer service tells me application team is unavailable, and the customer service representative could not tell me when they would be available. 
This is very frustrating as I have excellent credit and I am not being provided any guidance on the steps that I can take to be approved for this card. It feels like I am being discriminated against as no one is providing answers to my questions.
Consumer complaint received 2022-12-28
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. (TX)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY UNDER 15 USC 1681. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-02-25
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc. (MD)

Recently I checked my credit reported and noticed and saw accounts that I do not recognize. Under U.S.C 1681 section 602 A and U.S.C 1681 Section 604 A Section 2 I have a right to privacy and t also states a consumer reporting agency can not furnish a account without my written instructions. The creditors failure to reflect properly.
Consumer complaint received 2020-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (TX)

I miss three payments with navient student loans. And they posted 30 missed payments. My account came off of forbearance and I was unaware to me. After realizing the three missed payments called in and my account was placed back in forbearance. I was told it was retroactive forbearance but it was just forbearance. and they refused to remove the 30 missed payments from my credit report.
Consumer complaint received 2020-03-23
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: WELLS FARGO & COMPANY (OH)

In XX/XX/XXXX there was a advertisement for a secured credit card with a new bank account with a Wells Fargo credit line. I deposited {$1000.00} into that account after the Credit card was issued the account was closed. I was unable to make deposits or payments to the account at the bank. When I tried to dispute the facts of the account The account was abruptly closed and has remained on my credit bureaus for 8 years. It has been done with malicious intent. My first Complaint to you slipped through the cracks when my mother died  and someone in your office typed in the wrong zip code on the complaint and I was unable to be identified and you closed the complaint. CONSUMER FINANCIAL PROTECTION COMPLAINT # XXXX I also filed my complaint for the Wells Fargo Fraudulent Accounts Class Action Lawsuit to no avail it is still reporting on my credit bureaus and I was denied credit XX/XX/XXXX I am taking this seriously because they are NOT correcting our credit and the Credit Bureaus are refusing to correct the age of the debt by removing it. THEY CONTINUE TO BREAK THE LAW & YOU LET THEM. Its horrible to the consumer.
Consumer complaint received 2020-04-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (OK)

Earlier this year, my property was incorrectly listed as being in two counties simultaneously. After waiting over a month for " research '', Freedom Mortgage concluded that this was indeed their fault. Also, during one of my MANY contacts with both your tax department and customer service dept, I was told that XXXX county ( the incorrect county on my escrow ) was erroneously sent a 6 month tax payment amount totaling near {$1500.00} on XX/XX/XXXX. 
In addition to this problem, my payments have fluctuated from {$1300.00} all last year, ballooning to {$1800.00} on XX/XX/XXXX, which I was FORCED to pay, even though Freedom made the error. Fast forward to my last payment, which was {$1400.00}. I called your customer service yesterday, and was told that it increased from {$1300.00} to {$1400.00} because my taxes and insurance increased by nearly {$100.00} eachthe math here DOES NOT add up. 
In addition, I was told by someone in the tax dept that XXXX county was refusing to return the {$1500.00}, and Freedom did not feel that using lawyers to recover that money was going to be in their best interest, so they are eating the {$1500.00} sent to the wrong county from my escrow. 
SO, where do we go from here? 
1. What is my ACTUAL NEW PAYMENT?! I need to know EXACTLY why I have increased from {$1300.00} to {$1400.00}. I understand small yearly changes, but given your companys lack of accountability and errors within this 2+ month ordeal, I need answers! 
2. Where is my overpayment that is sitting in my escrow? I was told by EACH employee in the tax depot that it will be returned to me immediately after this latest escrow analysis. What is the status? Where is this extra money that I was FORCED to pay due to your mistake? 


Calls were made to either the tax dept or general customer service line on the following dates and times XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2020-03-23
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: SLM CORPORATION (PA)

I am currently at school and starting XXXXl school this fall. I work as a XXXX XXXX to sustain myself in the interim. Due to the COVID-19 outbreak, all of my hospital interpretation assignments got canceled. In light of the pandemic, I reached out to my private student loan issuer Sallie Mae to ask for forbearance. I have two loans with them. They did give me a substantial time, however XXXX! ), they refused to remove the interest rate which now stand@ 10.375 % and 10.875 %, respectively. Considering that the government has dropped the interest to ZERO, I deem Sallie Mae 's usurious interest gouging as unconscionable and un-American. You have the authority to investigate any such immoral behavior and I urge you to do it and advocate on behalf of the American people who are working tirelessly to put bread on a table and pay taxes. I don't know where to start about my frustration and am fully aware of the term " private '' loan, but to charge interest at such dire economic downturn is absurd. Please please stand up for us.
Consumer complaint received 2022-12-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (OK)

i filed a complaint with chime bank immediately when i was notified that {$77.00} DOLLARS WAS SENT OUT OF MY ACCOUNT WITHOUT MY CONSENT I called customer support and was told nothing can be done because the transaction has been completed.After the rep clearly took my statement and was aware that my card details had been compromised did not even offer to close my account and issue a new cardi had to put the rep on hold while i transferred whatever money was left in my acct to another acct so the rest of my funds would not be funneled out there was clearly fraud done on my card with a old customer of mine that did have my card number from a transaction months prior however this person had no authorization to send themself money the way they did in the past it wa a charge to their business this was clearly money sent to this persons acct with my card details i asked to send me the investigation details how they came up with no error accord they said that the decision is permeate. and cant be reversed they have failed to notify meow they came about these results they have not provided me with ip address of device used to send money nor have they even looked at the other persons acct to see if what im saying is correct they are very incosiderate this is 2nd time this happened to me first time i letit go i was travelling but right when a charge came up i called chime andwas told nothing can be done charge is pending now nothing can be done charge posted so how is my money protected they carry the visa logo that clearly states in their slogan not responsible for unauthorized charges [ please hereis the letter i get over and overAccount Number Ending In : XXXX Claim ID : XXXX Dispute Type : Pay Friends - Unauthorized Transfer Date Error Reported : XXXX Claim Amount : {$77.00} Hello XXXX XXXX, This letter is to inform you that we have made a final determination regarding the claim referenced above. 

Based on our investigation, we have concluded no error occurred. Therefore, no funds will be credited to your account and this claim is considered closed. 

You may request a copy of the documents we used in determining the final outcome of the investigation. If you would like to request copies of the documents, or have further questions, please contact us at XXXX. 

Sincerely, Chime XXXX XXXXXXXX
Consumer complaint received 2024-04-16
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (CA)

I am the co-signer on student loan with Firstmark Services XXXX XXXX XXXX. The month following the date the XXXX student loan repayment was due, I started receiving past due notices from the lender. Each consecutive month I get a past due that adds the amount from the previous month. The student has been paying the loan XXXX XXXX of the required monthly repayment amount agreed upon in the contract. 

The student contacted Firstmark advising them that the loan payments are not being applied appropriately to the XXXX loans on the account indicating that the loan is current and up-to-date with payments. The student was advised they would resolve it in XXXX weeks and send him an email. Neither has happened. 

I contacted Firstmark Services and spoke with a XXXX demanding that the issue be resolved since the erroneous system glitch stating there is a delinquency is causing me to get past due notices as the co-signer to the account, along with a threat of late fees and reporting me as delinquent on the accounts. The XXXX acknowledge that there is a ticket submitted by the student but that the matter is still in limbo with no XXXX on when it will be fixed. The only resolution that was offered was that they would " SUPPRESS '' the notices I would receive regarding my credit and being late, not that there wouldn't continue to be an indication on the account that I am, in fact, showing as erroneously delinquent per their online accounting system.
Consumer complaint received 2020-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent in letters XX/XX/20 and called XX/XX/20 to have unauthorized inquires removed. I never received anything back and when i called XX/XX/20 i was told i could not dispute or have the inquires removed. I reiterated I did not authorize the inquires, they are inaccurate and i have several. Also i said i read online if anything is inaccurate on my credit report i can dispute or have it removed by calling the bureau, i was still denied.
Consumer complaint received 2022-12-28
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: Experian Information Solutions Inc. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX XXXX Last reported XX/XX/XXXX {$3900.00} Open balance XXXX XXXX XXXX   Original creditor XXXX  OpenedJun XXXX, XXXX ( 9 mos ) XXXX XXXX XXXX Last reported XX/XX/XXXX {$530.00} Open balance XXXX XXXX XXXX XXXX XXXX XXXX   Original creditor XXXX  OpenedXX/XX/XXXX ( 5 yrs, 3 mos ) XXXX XXXX Last reported XX/XX/XXXX {$470.00} Open balance XXXX XXXX XXXX XXXX XXXX Original creditor XXXX  OpenedXX/XX/XXXX ( 8 mos ) XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$190.00} Open balance XXXX XXXX  Original creditor XXXX OpenedXX/XX/XXXX ( 6 mos ) You have missed a payment on this account. 
XXXX XXXX Last reported XX/XX/XXXX {$3500.00} Reported balance Highest balance {$3300.00} You've paid off -5 % of this loan Checking for errors? Review your full report details. If you find any issues, we can help. 
OVERVIEW Highest balance {$3300.00} Monthly payment {$32.00} Opened XX/XX/XXXX ( 2 yrs, 8 mos ) Term 120 months ( 10 years ) XXXX XXXX  Last reported XX/XX/XXXX {$650.00} Reported balance Credit limit {$550.00} You're using 120 % of your account 's limit OVERVIEW Credit limit {$550.00} Minimum monthly payment {$15.00} OpenedXX/XX/XXXX ( 1 yrs, 6 mos )
Consumer complaint received 2024-02-25
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: Experian Information Solutions Inc. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section XXXX XXXX XXXX  ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2022-12-28
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

Chase is now lieing to you. They been closed my account. The same day I filed my claim. And the took my only means of income my XXXX check case I'm a XXXX citizen of the United States. They closed it because I know that the bank let someone into my account my personal account to learn things about me that was later used against me to gety XXXX check taken away from me. But it did not work but they had no right to let someone in my account and find statements in my account from XXXX  months ago. And they would not let me get my money out of my account. They are lieing and changing my account If it's closed why are they going into my account and changing things. Why are they placing and taking money from my closed account and most of all why are they holding on to my money if I go any money left they are also taking you withdrawal slip and using the same slip and using on money that there taking out my account. And the XXXX XXXX that was taken from my saving account was taken out without my .Knowledge. I was never told of any finding on my account but has had money taken from it and then being hung up on when asking them about it. They are also sending me emails of a letters that they have sent to my online account. Knowing for a fact that I Can't get into it because the locked me out, They are not placing nothing but lies on my account and my money somewhere else. They are making it look like I spent money off a card that I never had. They make sure that I can't have any of my own money and there not being honest with me. I can't put it in another account and can't get any money from the closed account that's been closed since XXXX.. XXXX I haven't had any rent, personal, or spending money for over a month now. I have paid my phone, rent or storage at all. Who are these people that gets to drain us dry, comit t crime after crime and take our money and run our life and none of this is my fault. XXXX them for the proof they so call have that say I spent. They can't because they know it was them.
Consumer complaint received 2020-04-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

I had deposit my uncles check from work because he is not going out because the virus check was clear in my account now the account is frozen and I cant do nothin in my account. We contacted his boss and the check was clear in his bank and he send email with check crear on his end. I really need help Im also getting my irs refund anytime and bank told me they will hold that also and that they could hold it for 2 years.
Consumer complaint received 2020-04-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credence Resource Management, LLC (DE)

XX/XX/XXXX Credence Resource Management put an account into collections on my credit report. I dont recognize Credence as a company that I have a contractual relationship with. I wrote Credence Resource Management a letter asking for contractual proof that I owe them. Credence Resource Management responded with a letter stating they verified my account with the original creditor and said I owe the payment. I called Credence Resources Management and spoke with XXXX XXXX ( XXXX ) in reference to my claim. He informed me that the account was closed by the original collector in XX/XX/XXXX. I informed XXXX that the account is time barred and Id like him to remove account from my credit report. XXXX stated he couldnt remove account without permission from original debater. 
Had I not monitored my credit report I would not know that Credence Resources Management was out to collect a debt from me. Because they put this unconfirmed debt on my credit report, my score has decreased and it hurts my credit rating.
Consumer complaint received 2022-12-28
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. (NY)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.