davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-14
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc. (CA)

XXXX : I'm trying to activate a Visa gift card for {$100.00} issued by Blackhawk Network which expires on XX/XX/XXXX using the website listed on the card. The website simply said technical error. I tried again over the next few days with the same result. 

XX/XX/XXXX : I tried activating the card using the phone number listed on the card. The automated system said the card is inactive and hung up. I tried various ways to talk to a live customer representative but their automated system does not have that option. I called Visa who directed me to XXXX who directed me back to Blackhawk Network gift card number which was the same number ( for the purely automated system ) on the gift card card. 

I did some research online and noticed many other complaints lodged against XXXX and Blackhawk Network on XXXX. I decided to file this report.
Consumer complaint received 2022-12-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PENTAGON FEDERAL CREDIT UNION (TX)

In XXXX and XXXX of 2022 I made two small purchases on a Penfed credit card. 

In XXXX Penfed removed my payment account from their system. Repeated attempts to add my bank account and make a payment failed. 

In XXXX Penfed customer service called requesting payment. They agreed that the problem was their fault, and removed some of the late fees and interest. I made a payment that the customer service representative stated would pay my balance in full. 

On XX/XX/XXXX Penfed customer service again contacted me saying that there was a balance on my account. They stated that some fees and interest had accrued on the day that I made my payment in XXXX. They again partially removed fees and interest. I made the second " final payment '' of {$24.00}. Penfed sent me a email with a letter stating that the complete balance had been paid. 

In XXXX I noticed that my account showed an additional balance of {$1.00}. I called customer service and they again stated that additional fees and interest had occured on the same debt that I had paid off, in full, twice. They are refusing to remove the latest balance, or close my account without the balance being paid. 

The original charges were for approximately {$15.00}. At this point I have paid them well over the principal amount, and they continue charging me for a debt that I have attempted to pay in full twice.
Consumer complaint received 2022-11-01
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: Experian Information Solutions Inc. (MA)

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 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 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 I contacted the bureau to inform them that I did not authorize the inquires and that it was fraudulent activitie but they failed to remove the inquiries.
Consumer complaint received 2020-08-14
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. (AR)

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I called IRS and took measures. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknow, suspicious items I am not familiar with. Please remove these items from my report. CHAPTERXXXXBANKRUPTCYDISCHARGED XXXX
Consumer complaint received 2020-08-14
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. (MD)

THE DIPSUTED ACCOUNTS NEED TO BE PURGED OFF MY CREDIT FILE, THOSE ACCOUNTS LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. THE ACCOUNTS ARE INACCURATELY PLACED AND I WOULD LOVE THEM TO BE REMOVED OFF MY CREDIT FILE
Consumer complaint received 2020-08-14
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: EQUIFAX, INC. (MD)

THE DIPSUTED ACCOUNTS NEED TO BE PURGED OFF MY CREDIT FILE, THOSE ACCOUNTS LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. THE ACCOUNTS ARE INACCURATELY PLACED AND I WOULD LOVE THEM TO BE REMOVED OFF MY CREDIT FILE
Consumer complaint received 2020-08-14
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC. (PA)

XX/XX/2020 mailed validation letter to confirm what they say I owe that's on my credit report. I told them I did not agree with the total and please validate based on my enclosed uploaded items. 

Certified mail # XXXX XXXX XXXX XXXX XXXX Delivered on XX/XX/2020. 

Unvalidated Debt Amount : XXXX XX/XX/2020 sent letter to XXXX, XXXX, and XXXX. 

I would like the following to happen : 1. Removal of errant account from credit report.
Consumer complaint received 2020-08-14
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. (AR)

I have the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. XXXX XXXX {$3000.00} XXXX {$4300.00} XXXX XXXX {$11000.00}
Consumer complaint received 2020-08-14
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. (AR)

I have the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. XXXX XXXX {$3000.00} XXXX {$4300.00} XXXX  XXXX {$11000.00}
Consumer complaint received 2020-08-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (TX)

Hello, I am a Veteran and didn't know about certain services being offered for active military personal when I served. I requested that my military benefits be retroactively reapplied if possible. To which they agreed on XXXX XX/XX/2020. Subsequently, on the date of approval FedLoan servicing increased my principal balances on three of my student loans of the five. This includes bringing a previously paid off loan back to life. While FedLoan servicing states that it wasn't an error when apply benefits and that the benefits haven't been applied. I have documents proving the balances of all my accounts on XXXX XX/XX/2020 ( minus all payments made in XX/XX/XXXX  ) and XX/XX/2020 ( minus one pending payment made in XX/XX/2020 ). However, FedLoan Servicing has erroneously stated that the increase was from capitalized interest retroactively. If that was the case, why wasn't it documented on the account so that the employees I have spoke to would have known? The answer is, it didn't happen and that they don't know what happened and are trying to justify it. If you use the excuse provided by FedLoan, the math doesn't add up. FedLoan has already capitalized interest on loans when necessary through out the years and sent out account letters and statements when doing so. Someone has made a mistake or maliciously edited account information when I requested military benefits to be applied. It isn't some wild coincidence that I requested military benefits be applied and the same day they were approved ( I have the letter and original account balances ) my balances increased. It's either an error was made that day XXXX XX/XX/2020 or FedLoan maliciously edited my account balances and payment history in order to profit and protect any lose associated with providing military benefits. 

At this point, I'm simply asking my account be returned to it's previous state, which I have documented on XXXX XX/XX/2020 plus all payments made from their forward. Because clearly, FedLoan Servicing doesn't care about Veterans or people and are largely incompetent.
Consumer complaint received 2024-04-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Since XX/XX/year> Portfolio Recovery Associates LLC has been calling and sending me letters about a debt they have yet to validate. I expressed to them to stop calling my phone I had to keep blocking several numbers after repeated harassment. They kept sending me bills of said debt which they never validated, on XX/XX/year> via certified mail I asked them to send me validation that such debt belongs to me as I have had several other companies and debt collections agencies try to contact me about said same debt. Thirty ( 30 ) days later after receiving my request they never responded, but still keep calling.
Consumer complaint received 2024-04-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: August Real Estate Investments, LLC (TX)

Consumer Financial Protection Bureau, I am writing to file a formal complaint against my loan servicer, August Re, located at XXXX XXXX XXXX. XXXX, XXXX XXXX TX XXXX, for significant issues related to negligence, lack of transparency, and potential predatory lending practices.Despite my continuous efforts to address concerns regarding insurance coverage for my property, August Re has repeatedly failed to fulfill its obligations, resulting in a lapse in insurance coverage and subsequent cancellation of my flood policy back in XXXX due to the lapse of homeowners I called the carrier and was told that they tried to get payment multiple times no response. This negligence has left my property vulnerable and exposed to potential risks.Furthermore, August Re has refused to provide me with essential lender information, denying me the ability to directly address these issues with the appropriate parties. When requesting lender information, I was told that I couldn't have access to this private information and was only provided with the name " XXXX XXXX XXXX XXXX. '' This lack of transparency has hindered my ability to effectively manage my mortgage and address critical issues impacting my property.Moreover, I am deeply concerned about the predatory lending practices allegedly carried out by XXXX XXXX XXXX XXXX, the company associated with August Re. It has come to my attention that they are engaging in practices that target and exploit the XXXX  community in XXXX TX XXXX They offer loans with flexibility but set borrowers up for failure, ultimately leading to the loss of their homes and the company 's gain through resale.I believe that these actions constitute a violation of consumer protection laws and demonstrate a clear disregard for the well-being of borrowers. Such predatory practices have severe consequences for vulnerable communities, leading to financial instability and housing insecurity.Therefore, I am urging the Consumer Financial Protection Bureau to conduct a thorough investigation into the practices of August Re and XXXX XXXX XXXX XXXX. I request that appropriate enforcement actions be taken to hold them accountable for their negligence, lack of transparency, and potential predatory lending practices.Furthermore, I seek assistance in obtaining the necessary lender information to address my mortgage concerns directly and ensure that my rights as a homeowner are protected.Thank you for your prompt attention to this matter. I trust that the Consumer Financial Protection Bureau will take swift and decisive action to address these serious concerns and protect consumers from predatory lending
Consumer complaint received 2020-08-14
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: EQUIFAX, INC. (AR)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible.XXXX  XXXX {$250.00} XXXX XXXX {$0.00} XXXX XXXX {$1300.00} XXXX  XXXX {$1300.00} XXXX XXXX XXXX {$410.00} XXXX  XXXX {$450.00} XXXX XXXX {$1600.00} XXXX XXXX   XXXX {$100.00} XXXX XXXX XXXX {$18000.00}
Consumer complaint received 2022-11-01
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO. (CA)

I filed a prior CFPB complaint on XX/XX/2022 regarding a situation with Chase Bank ( the XXXX XXXX XXXX, XXXX CA Location ) where I dealt with significant financial and emotional hardship due to discrimination. 

In that complaint, I stated that my funds were not released to me in a timely manner and my finances were negatively affected as a result of Chase Bank 's actions. Due to the discriminatory and cruel actions of their XXXX, XXXX XXXX, I had requested that they close my account ( ending in XXXX ) after they had cashed out my funds. 

At the end of that interaction, XXXX XXXX asked me if I wanted her to destroy the debit card linked to that account and I asked XXXX to verify if the account was closed. She stated that it was so I told her I would dispose of the debit card myself, which I did. I assumed what she told me was true and I checked online that day to verify that it was indeed closed. 

I made my full withdrawal on XX/XX/XXXX to close the account. On XX/XX/XXXX, I received a notice from XXXX XXXX telling me that they had charged the chase checking account ending in XXXX for {$89.00} which confused me. I transferred over {$89.00} from a different bank account and contacted XXXX XXXX to resolve the matter and then transferred my funds back the next day. I did not know why the account was still open but I assumed it was a system error of some sort and left it at that. As my wife is fighting XXXX XXXX, researching this was not a priority and I did not follow up with Chase bank. 

I have now received a notice informing me that this account is still open, overdraft and set to go to collections. I logged in to pay my credit card and saw the following activity : - On XXXX XXXX, I was charged for a new monthly service fee of {$12.00}. 
- On XXXX XXXX an automatic payment processed for {$39.00} to a XXXX XXXX credit card I had not switched to my new bank. My assumption was that since the bank was closed that no transactions would be possible. 
- On XXXX XXXX I was charged a {$34.00} insufficient funds fee for the prior transaction. 
- On XXXX XXXX I was charged another $ XXXX  monthly service fee bringing my balance up to - {$97.00}. 

None of these charges should have been processed. I am tired of Chase bank playing games with my finances and their negligence and predatory actions are causing me distress. This account should have been completely closed months ago and Chase Bank needs to be investigated for unethical business practices.
Consumer complaint received 2020-08-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (IL)

In late XXXX, I opened a checking account with Wells Fargo under a {$400.00} promotional bonus offer. The terms indicated that I would receive the {$400.00} bonus after completing the following : 1 ) Opening an account with at least {$25.00} and 2 ) Having at least 1 direct deposit totaling {$4000.00}. 

I have completed both of those requirements. I received a response from a " XXXX XXXX '' within Wells Fargo Complaints department. In her response, she indicated I had not completed the direct deposit requirement which is not truthful at all. I am attaching a screenshot direct from the Wells Fargo banking portal which shows I had a direct deposit from XXXX for over {$4000.00} on XX/XX/XXXX ( more than 30 days ago ). It says that DIRECTLY on the Wells Fargo banking platform. Now if that's Wells Fargo 's mistake, that's on them, not on me. Don't punish the customer for something the bank did incorrectly. 

The bottomline is I fulfilled the terms of the bonus and I want my {$400.00} bonus. I am attaching 2 images to this complaint. One showing the terms of the XXXX bonus and another from Wells Fargo bank that I completed the $ XXXX direct deposit requirement.
Consumer complaint received 2020-08-14
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: JPMORGAN CHASE & CO. (AZ)

I have a refund processed by Chase Travel on XX/XX/XXXX for {$2500.00}, originally purchased using my Chase Credit Card. Since the purchase and when the refund was processed, I had closed my card account. 

I have been reaching out to Chase Travel and Chase card services since that time to have the refund processed. 

Chase Bank claims they do not have my credit card information on file. I have no way of proving them of my account as my statements were online and Chase Bank removed the access to them from the online website. 

All my responses to Chase Bank only revert back with an automated message saying they are busy right now and the request would take more time.
Consumer complaint received 2022-11-01
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. (GA)

I sent my letters off about correcting my personal Information and it is still wrong. 

I don't want this on my credit report. 

According to the Fair Credit reporting Act 15 USC 1681, I have the right to privacy.

Also according to 15 USC 6802. 

No financial institution is not suppose to share my information to any third party people. 

These are clear violation of my federal protected consumer rights.
Consumer complaint received 2023-01-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (IL)

Today, XX/XX/XXXX, noticed an email from Paypal for ID : XXXX, Item XXXX  XXXX XXXX XXXX for 2 yrs. 

I never ordered or received a XXXX XXXX from XXXX. This purchase was posted XXXX XXXX, XXXX, XXXX without my permission.
Consumer complaint received 2022-11-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PatientFi, LLC (HI)

I tried to pay my patientfi debt off thats when they told me my loan went to XXXX XXXX XXXX, I started contacting them for about a week starting XX/XX/XXXX. My means of contact were via phone calls. I have called numerous amounts of time and have left multiple voicemails just trying to pay my debt. No one has contacted me back. I do not know my total amount due or even my account number.
Consumer complaint received 2020-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Consumer Portfolio Services, Inc. (AL)

i notice a inaccurate and incomplete item on XX/XX/2020 from CONSUMER PORTFOLIO SERVICE, INC and sent them a letter on XX/XX/2020 regarding this account asking for information relating to the validity of the account and has not receive anything from them inwhich is a violation of the law and i will be contacting my attorney with this matter.I have a copy below
Consumer complaint received 2023-03-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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 has violated my rights. Or the list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-11-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SERVICEMAC, LLC (FL)

My complaint again about ServiceMac LLC. 
I received a letter from them that my mortgage transferred again back XXXX XXXX XXXX XXXX which is essentially part of ServiceMac. 
My account was just transferred in XXXX and not it back again. 
I don't have access to my new account to make a payment or paid it off which casing a financial loss estimating at {$500.00}. 
I believe ServiceMac discriminate against me because of the numerous complaint I filed against them which is a violation of the Federal Law.