davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Medical Administrators, Inc (TX)

I had contact with a fake company through spam texts, which lead to me to a website offering free samples. This company appears to be fake, and I was unable to get in contact with them through the numbers they provided. Months later, National Medical Administrators ( NMA ) Inc reached out trying to collect a fake debt. When I asked them to provide the company information, they provided a fake name and address. When I pointed out to them the company name was fake and there is no real company named that, they hung up on me. I confronted them by phone several times about the fake company name, and each time they hung up on me. When I looked at NMA 's XXXX profile, there were multiple complaints about the exact same company ( XXXX XXXX ) which appears to be a fake company, yet NMA is still collecting fake debt even though they have been notified of these scams.
Consumer complaint received 2023-01-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO. (SC)

I discovered on XX/XX/ that a Chase Total Checking account was opened in my name on XXXX I had received an email notifying me of the account being opened on XXXX at XXXX. After I discovered the email the following day ( XXXX ), I called Chase to inquire if the email could be fraudulent. After providing my SSN, I was informed that the email was real and an account had indeed been opened using my information. They informed me that the account would be frozen and stated that I should contact all 3 credit bureaus to freeze my credit which I promptly completed on XX/XX/. 

Additionally, I discovered that I had also received an email on XX/XX/ at XXXX from XXXX thanking me for opening an account as well as two additional emails from Chase Online Service Team notifying me of my Online Contact change for my address and phone number. 

I went to chase bank on XX/XX/23 to complete their fraud packet and get more information about the account to provide to the police for their investigation. I worked with banker XXXX XXXX ( XXXX ). There I was told that I could only be provided with the account number but no other information about the account ( address or telephone number on file ). I was told to provide number of the banker to the police who could then be given this information. 

I then went to the local police department in XXXX, SC on XX/XX/23 and began the process to file a report of identity theft. I initially spoke with an officer XXXX and an investigation report with case number XXXX was created. I have since been in contact with Investigator XXXX who has been trying to contact Chase banker, XXXX XXXX to provide additional information about the fraudulent account that could not initially be provided to me. Since our last communication, he has still not been able to speak with banker XXXX. 

I also requested a credit report from XXXX and discovered a phone number associated with my credit that I did not recognize ( XXXX XXXX XXXX ). I have since disputed this contact information and have had it removed from my credit report. On this credit report, I also noted several consumer report views/soft inquiries of companies Ive not had any personal dealings ( XXXX XXXX XXXX XXXX JPMCB, XXXX XXXX XXXX XXXX XXXX ). I do not have any hard inquiries on my credit report or potentially negative items on my report.
Consumer complaint received 2021-12-30
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: Advanced Resolution Services Inc. (NY)

XX/XX/2021 To Whom It May Concern : It has come to my attention that continued requests for removal of items that do not belong to me are still entered as accounts on my credit report. Negatively affecting my credit/life. You also have incorrect names and variations listed, which is not normal. This is an immediate request for removal and blockage of incorrect and mis-represented information. It seems that a new account not belonging to me is appearing every few days. There seems to be a high-level of incompetence at this company, as I have continued to submit a dispute every 30 days with part of the disputes being removed and the other half remaining. This is unacceptable! Please remove the incorrect information immediately from my file.
Consumer complaint received 2024-04-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (FL)

I was ruined by XXXX, and for a long period of time I was using my savings to maintain my payments on credit cards. Eventually I just ran out of savings and making payments were not possible. However, I was hoping that your financial institution would eventually sell off my debt to a third-party debt buyer. Or at least make an offer in compromise to resolve the account. That has not happened. Accordingly, I am reaching out to see if a reasonable offer is possible. I have no other recourse but the reach out through the Consumer Financial Protection Bureau ( CFPB ). I do realize that bankruptcy is an option, but I wanted to see if there was an alternative. Please reach out to me through the CFPB. XXXX XXXX
Consumer complaint received 2021-12-30
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NY)

On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2024-04-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (CA)

I spoke with someone who said they we an ombudsman and they refused to give me the information on how to submit an official request, they refused to consider my verbal request, they refused to give me information on an appeal process and only wanted to explain what I already knew, that this is federal a loan with simple interest. 
I don't care what type of loan it is. I only care that my request for how to get information on getting interest reversed or appeal some decision I never received notice of could be filed!! How can a decision be made and final without a notice? How can someone say they are an ombudsman be so rude and not help the student loan recipient? 
I applied for the SAVE program before my son who is with a different loan servicer and they reversed his interest without being asked, AND sent him a notice that they were doing that! I XXXX XXXX XXXX  to hundreds of people a month, why can't someone be kind to me for a moment? I'm a XXXX XXXX XXXX  giving back, why aren't the Billionaires paying their fair share? A few XXXX dollars for me is food on the table, for them it's parking the 3rd jet. At their 4th mansion.
Consumer complaint received 2024-04-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (MI)

I did a job for a client. They endorced a check to me. I deposited chance made it available but wont let me access me account or money. I been calling them off and on now for 2 months. Morning. Apparently they can verify the # I give them but cant get anybody on the phone. So theyve closed my account and my funds are unavailable. Ive talked to several people and was told to contact you guys hopefully u can help.
Consumer complaint received 2021-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

my rights have been violated according to the FDCPA, 15 usc 1692. As the original creditor and natural person i did not give this company permission to report any of my personal information to any consumer reporting agencies. According to 15 usc 1692d ( a ) ( 2 ), a company can not report anything negative to my consumer report that will ruin my reputation. The FCRA, 15 usc 1681, states our consumer reports represent us. Therefore, they are ruining my reputation. This is false and misleading.

This alleged debt has not been validated, according to 15 usc 1692g it has to be validated for it to be put on a consumer report.
Consumer complaint received 2021-12-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (TX)

Chime closed my deposit account, savings account, and credit-builder account without explanation. The funds I have in the account can not be accessed and you can see below that I will not receive them for the next 30 days. Chime doesn't allow you to speak to a rep or see the account for recurring transactions that are billed to the checking account, which will have ripple effects on other bills. This should fall under the XXXX umbrella especially since Chime restricts access to my own funds. Which by the way all come from payroll direct deposit. 

" Hi XXXX, Following a recent review of your Spending Account, we regret to inform you that we have made the decision to end our relationship with you at this time. Your Spending Account will be closed on XX/XX/2021. 

Once your Spending Account is closed, a check for any remaining balance will be mailed to you within thirty ( 30 ) days of XX/XX/2021, to the address we have on file for you ... '' XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2024-04-14
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: CITIZENS FINANCIAL GROUP, INC. (VA)

Attempting to log in to my account even with the correct info will tell me the username and password do not match up despite it working days prior. 

If I try too many times with the correct info, it will then lock the account and prompt me to reset the password out of security concerns even though again, I am 100 % certain I have the correct username and password. 

At times, even when I reset the password. I will still be unable to log in and be given the same issue, telling me the username and password do not match up.
Consumer complaint received 2024-04-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc. (NJ)

Cash app is holding a deposit I made to XXXX XXXX XXXX. The told me in a live chat that XXXX was holding my money up and I spoke with XXXX and the assured me they were not holding my money and even provided documentation which I sent to cash app. They are holding {$150.00} for a week now. The agent said he could not do anything for me
Consumer complaint received 2021-12-30
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. (MI)

my rights have been violated according to the FDCPA, 15 usc 1692. As the original creditor and natural person i did not give this company permission to report any of my personal information to any consumer reporting agencies. According to 15 usc 1692d ( a ) ( 2 ), a company can not report anything negative to my consumer report that will ruin my reputation. The FCRA, 15 usc 1681, states our consumer reports represent us. Therefore, they are ruining my reputation. This is false and misleading.

This alleged debt has not been validated, according to 15 usc 1692g it has to be validated for it to be put on a consumer report.
Consumer complaint received 2021-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (SC)

Reporting information that should not be reported on my credit. 

I do not owe XXXX XXXX {$1200.00}. I got a letter from them stating my balance is {$0.00} WHY ARE THESE CREDIT REPORTING AGENCIES REPORTING THIS INFORMATION? 

UNDER 15 U.S.C. 1681c ( a ) Information excluded from consumer reports ( 6 ) The name, address, and telephone number of any medical information furnisher that has notified the agency of its status... 

THE NAME HAS NOT BEEN EXCLUDED FROM THESE REPORTS.
Consumer complaint received 2017-01-04
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

Opened my Capital One credit card never was late on a payment. After I start noticing issues with my bank I still never missed a payment closed that account and opened XXXX Bank. In XX/XX/XXXX I called to make a payment and the customer service rep told me just pay out of my account and I was explaining to him I did n't want to do that with all the issues I was having and I did n't want my payment late he assured everything was ok. I went to my bank had them send a letter to Capital One verying my account and number to make the payment I call back to Capital One and I 'm told my account is closed within XXXX minutes. I have called severs times talking with managers account XXXX and collections and have gotten nowhere. I feel what they did was so wrong especially since they were aware of my issues and I asked not to try and take the payment out my account. They closed my account and has not returned my security deposit to the date. I would like a fair chance and investigation and to fix my credit.
Consumer complaint received 2023-01-21
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (NY)

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX in XXXX XXXX Major, put an account balance on my student loan account hold to prevent me from registering in college me to finish my program already had completed XXXX college credits only XXXX credits left only need XXXX credits to get an XXXX Degree they refuse to give me my Degree working toward my XXXX Degree, and firce me to taje out student loans, had to withdrawl because the colkege says I used up all of my ungrauted money up, how? Left an balance on my account? This isnt my fault, someone mis mangage these funds from the Goverment finicial aid?
Consumer complaint received 2024-04-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Penn Credit Corporation (CO)

Penn Credit Corporation account # XXXX, XXXX I am unaware of this debt. I didnt have an opportunity to dispute this debt. I didnt receive proper notification of this debt. If in fact you believe you gave me proper notification as required by federal law, please send me the certified mail receipt with my name and signature validating that I received proper notification from you.
Consumer complaint received 2024-04-13
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (NH)

Concern # 1 : Alteration of previous purchase agreements ; change to promotional offer to include extra fees that did not exist when credit was lent which will be applied against purchases prior to change ; specifically : " We are adding a 2 % Promotional Fee to your account... This fee may be applied to any part of a purchase that was initially made before the effective date of this notice but that posts to your account after the effective date... The following Promotional Fee terms will be added to the How Fees Work provision of your existing agreement. '' " Promotional Fee. We will charge this fee, which may be referred to as a promo fee, for promotions 18 months or longer with no interest and required equal payments. The promotional fee will be calculated based on the total promotional transaction amount, including taxes, deliver and other applicable charges. The promotional fee will be included in your promotional purchase balance used to calculate your required equal monthly payments. '' This appears deceptive in practice to apply to purchases after the date of sale, which could not be considered when making the decision to utilize the credit offer. 

Concern # 2 : Charges for paper statements if chosen in lieu of electronic communications ; specifically : " We are adding a {$1.00} monthly Paper Statement Fee to your account. We will charge this fee as described below... The following Paper Statement Fee terms will be added to the How Fees Work provision of your existing agreement. '' " Paper Statement Fee. We will charge a {$1.00} monthly Paper Statement Fee to your account. We will charge this fee in any billing cycle in which your balance is greater than {$2.00} and you are sent a monthly billing statement in paper form, even if you also are provided it in electronic form. You can avoid the fee each billing cycle you are provided your monthly billing statement only in electronic form. '' This describes an unfair fee for individuals without access to electronic mail, or those who are unable to access, read, or operate electronic devices due to an illness, disability, or other impairment. This may also violate multiple state or federal laws that protect these types of consumers. No remedy is provided for these types of consumers to avoid the impact of these fees due to their inability to access or read documents in electronic form, without impacting their continued utilization to the account due to rejection of the changes.
Consumer complaint received 2021-07-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I've been disputing my credit file with Transunion, XXXX and XXXX to correct the errors found on my credit file that they disseminate. The 3 credit reporting agencies have received my certified letters and have not corrected the inaccurate accounts listed in this complaint. XXXX comments in the creditor remarks that Consumer Disputes after resolution when in fact the account is still inaccurate ... .The 3 credit bureaus reports inaccurate accounts that has either not been investigated, no notice of dispute recorded, verified but still reports inaccurately, duplicate collection accounts, Re-Aged accounts, {$0.00} Balance closed accounts reporting a delinquent payment status, {$0.00} Balance closed accounts reporting an open account status, missing fields of closed dates, High Balance lower than Balance Owed, collection accounts that reports an open account status and past due amounts. This is unlawful reporting! After a year of disputing the credit bureaus remain in non-compliance and blatantly records negatively, this is damaging to my credit score and report ... ..Moreover the open accounts Payment data history does not coincide on any accounts, Revolving accounts creditor remarks reports amount in H/C column is credit limit. Revolving account high balance does not coincide, XXXX reports {$0.00} HighBalance on all my revolving accounts. TransUnion Last payment does not coincide with TransUnion payment data history, XXXX does not report my monthly payments made in the historical payment data history on any of my accounts. This type of recording is negative and damaging to my credit score and report and is in violation.
Consumer complaint received 2021-07-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

OnXX/XX/XXXX Mr. XXXX XXXX XXXX noticed that his XX/XX/XXXX Credit Report contained fraudulent information from the Credit card section of the report. This illegal illegal activity occurred without Mr. XXXX giving his permission or authorization and allowed me to contact Law Enforcement ( FBI and Secret Service ) in the XXXX XXXX, Texas jurisdiction that is the physical address of XXXX XXXX XXXX XX/XX/XXXX. 
The company ( XXXX ) is not cooperating with the police investigation and recently was notified that the Consumer Financial Protection Agency was also involved with Law Enforcement on multiple accounts opened in my name and I require a written response from the President and CEOi about what the immediate action to stop this harassment by criminals that do not care about my 30 year membership and exceptional credit rating that is being destroyed without my permission. 
I want answers to this distasteful message from XXXX and investigation with Impunity that will give much needed closure and Cash Settlement!
Consumer complaint received 2021-07-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

My Name is XXXX XXXX, I work for the XXXX XXXX XXXX XXXX. I was traveling to XXXX from my XXXX in XXXX and tried to use my credit card three times on date XX/XX/2021. The bank closed the account stating that they thought it was fraud, after I paid them XXXX on my credit card. I can totally understand this, but I was talking to the customer service representative and they stated to keep on trying to use the card while I was on the phone with them. Every time the card got declined she said I can see what is happening on her end, she proceeded to reactivate the card and try again. Finally they wanted my live Passport Photo, SSN card photo, Driver license photo and a bill/payment that was in my name. I provide all of relevant documentation to them and they still closed my credit credit, it was the fault of the customer service representative telling me to try over and over when she was trying to see why my account was being flagged as fraud. I got stuck in XXXX because that was the only card I had at the time on me. My balance with the card was in great standing with credit card XXXX balance. Please assist, now my credit went down as well due to the XXXX credit credit being closed.