davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (MI)

Hello. These were the actions taken... 
XX/XX/22 I downloaded the Venmo XXXX XXXX and created an account and added my bank XX/XX/22 I added my gift card then removed my gift card XX/XX/22 I pressed " close my Venmo account '' in app and it wouldn't. It said contact venmo XX/XX/22 I requested that my Venmo account be closed via email. Their return email bot sent me a email saying my account was frozen XX/XX/22 I requested that my Frozen Venmo be closed via email. Their return email bot once again sent me a email saying my account was frozen There has been no money received or sent from my Venmo account. I simply changed my mind about having an account with them Venmo used a 3rd party system called XXXX to link my bank to Venmo
Consumer complaint received 2019-01-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Let me first demonstrate the landscape, the canvas that has been existant for several years now and repeatedly shown in CFPB complaints towards both Capitalone & XXXX ... 

CapitalOne ; a financial institution ; has a combative relationship with XXXX ; a financial institution ; and because of an obvious behind the scene grudge, animosity.. the consumer is damaged, harmed and suffers repeated problematic situations needy of babysitting matters where the banking institution is to remedy, seamlessly and without consumer intervention as a practice. Cap1 can research and find I've had 2 accts with them and the first was short lived when I discovered this behind the scene combative relationship only to discover it was not the specific card, program or theme of the credit line ; but rather followed over to the current Cap1 '' Buy Power '' card/program ... It was this animosity that had me leave the first Cap1 offering, evidencing the longevity of the existing problem. 

XXXX Now for the current chapter of this problem .... 
Because of this existing relationship, XXXX can not /willnot establish a digital bill pay relationship ; as it does with all other financial institutions and other large companies and Cap1 must be paid with alternative method, a check cut and mailed by XXXX   personnel. This issue, distinction of online billpay has always created lengthy delays in payment to Cap1 and has been the source of several complaints regarding an assortment of burden to me as a consumer. Upon immediate need for payment to secure a specific balance adjustment, I've been forced to deviate from XXXX 's bill pay and must go directly to Cap1 and make payment there by some sort of digital transfer directly from my checking acct. 

In my defense, XXXX does have a deficiency showing the option for me to put a hold on those funds after this snail mail check payment vs the immediate pull from the acct that normally occurs and the available balance is reduced from the digital payment.. 

Currently, Cap1 has a check in hand and is refusing to apply the funds to my account and creating further frustration, seemingly as a retaliatory politics to alienate XXXX customers, XXXX flinging as XXXX  does in return with me in the middle. 

I'm sick and XXXX tired of this XXXX, ya 'll grow the XXXX up and treat each others customers ( whom are also your customers ) with respect and timely handling of their financial matters.
Consumer complaint received 2019-01-15
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: CITIBANK, N.A. (NC)

I have begin paying my Citibank student loan since XX/XX/XXXX, religiously. The only times I have ever missed a payment is if I was having financial difficulties or was ill. In XX/XX/XXXX, my account was closed and transferred to XXXX which is a XXXX extension and still under Citibank. How are they allowed to close accounts and move around under different shadow names without being noticed. The original loan amount was {$6400.00}. I have now Paid over twice the amount of the original loan plus XXXX extra. I have noticed that every 3 months they increased my interest rate by .25 %. Not only that, but I printed my account payment for XX/XX/XXXX from my online account portal for one amount in late XX/XX/XXXX after XXXX and I received my bill in the mail for same amount due on same date for a different amount. On my credit report they have placed remarks such as affected by natural disaster and I have never disclosed anything of that nature to them. I'm just at my wits end with what they are doing. I want to know if this is right and/or legal? It can't possibly be!!! It states on my credit report for this account that I'm in a repayment term of {$110.00} x 240 months which equals {$27000.00} for a {$6400.00} loan which equals XXXX times the amount borrowed. Furthermore, if I even called to ask for some sort of leeway, there was no compromise and always an excuse as to why I couldn't get an valid extension. I can not access my Citibank account whatsoever to print out all my prior payment information. I have done this on my XXXX account to investigate why have my loan really not done much going down. I have realized that not only are they increasing the interest every 3 months but they are also not applying all my payments to my Principal balance but instead are apply most of my payments to interest. Please help me figure this out, because this XX/XX/XXXX makes 8 years with no end in sight. I honestly feel like something is not right. I am disgusted and desperate. 

These are the actual payments made each year. I have proof of everything. 

Year. [ Actual Payment Due ] = Estimated Amts PAID XXXX XXXX XXXX & XXXX = XXXX XXXX XXXX XXXX & XXXX = XXXX XXXX XXXX XXXX & XXXX = XXXX XXXX XXXX XXXX & [ XXXX for late payment ] = XXXX XXXX XXXX XXXX = XXXX XXXX XXXX XXXX & XXXX = XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX = XXXX [ XXXX, XXXX, XXXX ] = XXXX All Extra Payments XX/XX/XXXX _ XXXX, XXXX, XXXX, XXXX = XXXX Total Paid. XXXX If there is any further information needed. I will be sure to send it over. 


PLEASE, PLEASE HELP!!!!
Consumer complaint received 2019-01-14
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Outsource Group, Inc (TX)

I have called XXXX several times detailing the collection they are trying to collect is not correct. I have contacted the original creditor and together they have contacted XXXX and the representative from XXXX told the office manager of the original creditor that first they have to collect the amount even though that was false and then also said they cant delete off my credit report unless paid in full.
Consumer complaint received 2019-09-10
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: Experian Information Solutions Inc. (TX)

We filed a federal lawsuit against (5) major banks on XX/XX/XXXX regarding our mortgage for mortgage fraud which are XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX which later was revised to XXXX XXXX XXXX and XXXX XXXX XXXX   Plaintiffs, vs XXXX XXXX XXXX XXXX XXXX, et al., Defendants ~ Case No. # XXXX XXXX filed on XX/XX/XXXX IN THE UNITED STATES DISTRICT COURTFOR THE XXXX DISTRICT OF TEXAS XXXX DIVISION ~ Judge XXXX XXXX. On that very same day XX/XX/XXXX I requested a flag to be put on both our credit reports for XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX in which I precisely gave XXXX, Experian, and XXXX the Federal Case Number # XXXX XXXX to freeze and stop any derogatory credit reporting until our case would be settled in court. We won our suit and it closed on XX/XX/XXXX. However, all (3) credit bureaus allowed (8) credit accounts to be closed on my wife XXXX XXXX XXXX and (6) credit cards for XXXX XXXX XXXX which negatively impacted us on our credit scores with high interest rates and impossible to get loans much needed. They did all of this damage to us while we had not settled in federal court yet and the flag should NEVER have been lifted while pending matters were in federal court allowing any XXXX to report that we were up to 18 months and greater that we were behind on our mortgage payments while we were in a federal court fighting for our rights by law. This was negligence on behalf of all (3) credit bureaus to have allowed such damages to occur.
Consumer complaint received 2019-01-15
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (WI)

On XX/XX/XXXX I called navient about my private student loans at XXXXXXXX XXXX  to cancel my XXXX payment. I was then told I would be removed from the rate Reduction Program and I would have to call back in XXXX to reinstitute the rate Reduction Program so I could resume payments. Previously my account was put into the rate Reduction Program in XX/XX/XXXX. I called today XX/XX/XXXX as instructed, to reinstitute the rate Reduction Program for my private student loans I was then told a payment had been already posted to my account on XX/XX/XXXX for the agreed-upon amount from the terms discussed in XXXX of XXXX. The navient employee I spoke to said that I had received unclear information from the XX/XX/XXXX phone call, he told me that the agent may have said could vs. would as far as being removed from the program either way the problem was and a payment of {$300.00} was removed from my account without my knowledge when the agent on XX/XX/XXXX told me my payments would be canceled and I would have to subsequently call back to re-enroll in the program. I spoke to navient for 54 minutes discussing this problem there is nothing more to do at the time I want to lodge my complaint and I want this to be evaluated because this is not the first time that I feel as though I have been deceived or misled by this lender as well as other lenders such as XXXX XXXX and Sallie Mae when it comes to my private student loans in the past. I have never had a specific example with dates and times as to my feelings about being misled.
Consumer complaint received 2019-09-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (CA)

I never had an account with Resurgent Cap Services. I had an account that was paid and closed XX/XX/2013 with XXXX XXXX. I asked Resurgent to send me copy of contract with signature owing this amount to this company with is a 2nd or 3rd party and the company has failed to send me copy of contract that money is owed to them. I am asking for this to be removed from all 3 credit bureaus.
Consumer complaint received 2019-01-15
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. (NJ)

Three inquiries were made on my credit report. None of which were me. See below for details. I spoke to all three in XX/XX/2018. XXXX and XXXX submitted retractions and the inquiries were removed from XXXX, but still remain elsewhere. XXXX stated they dont keep a record of inquiries and said they would send a letter. They never did. I called today and they suggested this site. I need all three removed from my credit report across the board ASAP. 

XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XX/XX/2018 XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX, WA XXXX Thank you.
Consumer complaint received 2021-09-02
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 — Investigation took more than 30 days
Company: NAVY FEDERAL CREDIT UNION (GA)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2023-04-05
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. (IL)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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
Consumer complaint received 2018-12-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY (CA)

I have an American Express Credit Card which I am trying to downgrade. I have contacted the company online and also called them but they always say there is error in Amex system therefore they cant downgrade my card. I called again and even chatted online with Amex but I get the same response I am so tired of this. Please help.
Consumer complaint received 2019-09-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

Just got a letter from : XXXX XXXX DBA XXXX XXXX original creditor : XXXX XXXX XXXX XXXX : Cabelas Club Visa saying I owe {$10000.00}, but This was part of identity theft that happened in 2014 and I filed a police report and FTC report, but these people keep going after me.
Consumer complaint received 2019-01-14
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. (GA)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX/XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX   XXXX , Chapter XXXX  Bankruptcy Discharged XXXX
Consumer complaint received 2022-07-27
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: EQUIFAX, INC. (MD)

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

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.
Consumer complaint received 2020-09-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: AXOS FINANCIAL, INC. (GA)

As of XXXX XX/XX/XXXX Axos bank ( XXXX ) are holding my funds due to a unexpected/unexplained review i contacted them twice was told they can not provided me with any info or that i cant close my account and get my funds i need my money i have XXXX kids XXXX XXXX XXXX and XXXX and bills that are due and cant work due to corona and my kids are home doing virtual learning i transferred that money in the bank thinking it was safe and Im protected i have no money as of now rent is coming up they have XXXX on hold with no real explanation on why and no time frame of when review will be over and release my funds its a difficult time in the world right now and no one should be taking money from anyone can you please help me thanks
Consumer complaint received 2019-01-15
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Nicholas Financial Inc. (GA)

I purchased a car in XX/XX/XXXX and financed it with Nicholas Financial. The car was totaled in an accident in XX/XX/XXXX and paid off within 7 days. The payment was not late and was not reported late ; instead reported correctly as " OK '' on all three credit reports. 6 years later in XX/XX/XXXX, they are erroneously reporting that I was " 30 days late '' in XX/XX/XXXX, " OK '' in XX/XX/XXXX and " OK '' in XX/XX/XXXX.
Consumer complaint received 2023-03-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I called Bank Of America customer service in regards to a claimed that was filled. The customer service department argued with me and accused me of being the problem and not the merchant. After I told the lady how unprofessional, judgement, and extremely XXXX. She gets upset and puts me on hold for 20mins. When she comes back, my account and closed and I have no access to my account. I have had several deposits entered into my account. I called Bank Of America several times to receive my funds. Every time I called, you always get some rude and doesnt have any understanding. They never allow you to speak to any form of management. The only options I received was to fill out and application ti see if I qualify to receive my money. Bank Of America needs to be stopped. You cant treat Americans like this regardless of their opinion. I believe the only reason the lady treated me like this was because she was extremely XXXX and couldnt take constructive criticism on her actions.
Consumer complaint received 2023-04-04
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Wilber and Associates, P.C. (FL)

On Thursday XX/XX/XXXX I received a call from XXXX XXXX XXXX XXXX and said they were collecting a debt for an accident I was in in XXXX. I advised her I was not in an accident in XXXX, to which she said I was. I again said, I was not in an accident in XXXX. She said, yes you were, I have the police report right here in front of me. I asked, you have a police report from XXXX of this year and she said, oh, I mean XXXX. She was SO VERY RUDE AND NASTY. She said she was collecting XXXX for injuries not paid for. The conversation was lengthy and I told her they would just have to take me to court, and she said, they don't do that, they'll suspend my license, take away my driving privileges and more. I called my insurance and was told by the adjuster that handled my claim that there were no injuries on this claim, the claim had been closed for over 2 years and to notify them if I received another call from this company. After much research, I found that I am not the only one this has happened to. Yesterday, XX/XX/XXXX, I received a letter of the same. What I did find out was that I could file a complaint. This is abuse, fraud and a fear tactic that unfortunately works. I have to tell you that I was horrified and terrified. I contacted an attorney and it put me in a place of extreme fear.
Consumer complaint received 2019-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (DC)

Customer attempted to log into Experian account. Customer unable to access Experian online service. Online service rejected answers to security questions. Online service provided automated telephone number. Automated telephone number did not provide option to speak with a living person or other option to access online service.
Consumer complaint received 2019-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (DE)

On XX/XX/2018 someone stole my identify and opened a revolving credit line with XXXX. 
They ordered a {$930.00} product in my name. When I was notified on XX/XX/2018 I reported to XXXX, that this was Fraud, I froze all my credit lines, made a police report and reported it to the FTC. They are still claiming it is mine and trying to collect on it. Meanwhile they fraudulently opened a line of credit in my name, without doing the proper due diligence and were neglectful with my information.
Consumer complaint received 2022-07-27
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)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXXXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for XXXX days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXXdays n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2019-01-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Telerecovery Corporation (TX)

Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.