davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-08
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)

FCRA violations : payments never late XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1000.00} Status Open. 
XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$0.00} Status Closed.
Consumer complaint received 2019-09-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (IN)

On XX/XX/2019 my Social Security XXXX check was deposited into my PNC checking account. By XXXX there was only {$1.00} in my account so I called PNC customer service any they explained that XXXX XXXX out of Louisiana had withdrew {$850.00}, from my account. 

I ask customer service how and why and with a few more questions from customer service it was soon realized that I had been part of a scam with someone claiming to be XXXX XXXX XXXX. 

I was applying for a loan with XXXX  XXXX XXXX or should I say people I thought were Cash Net XXXX. 

Customer Service put a hold on my account and on my debit card and advised me to get to the bank ASAP to close the account and the debit card. 

I was at PNC Bank, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX IN XXXX, XXXX, within 2 hours. I met with XXXX, who closed my account and opened a new account, cancled my debit card and issued me a new debit card. Ordered new checks, and filed a report. I explained I would be filing a police report and would return with that report when it was ready. On Tuesday, XX/XX/2019 I returned to PNC bank with the police report and turned it into XXXX assuming she would file it. 

On Tuesday, XX/XX/2019 I contacted PNC Bank and spook with XXXX XXXX questioning as to why my checks had not arrived and what was the statis of my complaint. According to XXXX there was no follow through on XXXX 's part, no checks were ordered, no complaint was filed, no one had any idea what had happened to my police report. Again I returned to PNC Bank and re reordered my checks and finally filed a report with XXXX. XXXX saw no need to have a Police Report, I brought a police report by on Wednesday evening anyway. 

By XX/XX/2019 PNC Bank had resolved that I am not intited to any type of refund. I am disputing this. I have never had any contact with XXXX XXXX. The check is a fraud because it is not my signature and looks nothing like my signature. I never saw this check until XXXX showed it to me as part of the investigation into the scam/fraud case. 

XX/XX/2019 started like any other day with my Social Security check being deposited, it is the money I have to live on all month long and by XXXX that money was gone. It was gone because XXXX XXXX of Louisiana, a company I had never done business with had decided to electronically take it from my bank account. Please help me restore that money to my account.
Consumer complaint received 2021-07-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Guidance Alum LLC (CA)

On XX/XX/2021 I received a call from Guidance Alum stating that I was eligible for President Biden 's Student Loan Forgiveness Program. Because they had information that was relevant to XXXX, I thought the call was legitimate and authorized future loan payments. On XX/XX/2021, Guidance Alum deducted {$260.00} from my checking account ; however, no changes were made on XXXX and I was still expected to make a payment for the month of XXXX. On XX/XX/2021 I unauthorized future payments and verified with XXXX that Guidance Alum is a scam and I am to continue my loan payment arrangement with XXXX.
Consumer complaint received 2019-09-09
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Earnest Inc. (VA)

Why do you ( Earnest ) keep taking payments from my checking account without telling me when you will take them out of my account? It says my next payment isn't due until XX/XX/XXXX! I've taken a screenshot as proof. I know I signed up for biweekly payments, but you need to show those dates if you want me to have money in my account! I only have {$4.00} left in my checking account now because of you. Not cool. It's like you're making the payment process purposefully non-transparent.
Consumer complaint received 2019-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (TX)

Experian allows the use of any username when signing up but only allows certain characters when signing it. If you have a character that isn't approved you can not log in to find out your data or make changes. They will tell you the username is invalid and then send you and e-mail with the same username and say it is your username but you can use it to log in. Communication via e-mail are ignored. The phone automated system will simply send you the invalid username and tell you to use it.
Consumer complaint received 2024-05-17
Product: Credit 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: CAPITAL ONE FINANCIAL CORPORATION (OH)

I am writing to provide an update on the ongoing dispute concerning the charge from XXXX XXXX XXXX XXXX, which appeared on my Capital One Bank statement dated XX/XX/2024, totaling {$110.00}. 

Upon discovering this unauthorized charge, I promptly initiated a dispute process with Capital One Bank. In response, Capital One promptly commenced an investigation and requested additional information from me. Despite my timely and comprehensive response to their inquiry, it seems that the information provided did not meet their validation criteria. 

In my efforts to resolve this matter, I attempted to directly engage with the merchant, XXXX XXXX XXXX XXXX. However, despite my repeated attempts to communicate via phone, XXXX XXXX has been unresponsive. Its worth noting that their cancellation process is solely facilitated through their app, which I adhered to, and I possess email evidence confirming the cancellation. Curiously, despite my repeated attempts, XXXX XXXX seems adamant about communicating only with Capital One Bank regarding this dispute, rather than directly engaging with me as their customer. 

I am deeply concerned about the handling of this situation by Capital One Bank. Despite previously issuing a credit for this disputed charge, they have since reversed it, leaving the unauthorized purchase still reflected on my credit card statement. 

It is of utmost importance that Capital One Bank takes decisive steps to safeguard its customers ' interests, particularly in cases involving disputed transactions following service cancellations. I urgently request Capital One Bank to conduct a thorough reevaluation of this dispute and to promptly take the necessary actions to rectify this situation.
Consumer complaint received 2019-01-14
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (OK)

Over the past 5 or more years we have requested that Navient work with our daughter ( a single mother  of XXXX ) and us ( co-signers who are retired ) to buy some time and reduce stress so our daughter could eventually be in a situation to make regular payments on her student loans. We have made several regular and partial payments over a long period of time and yet continue being harassed by Navient with phone calls and with refusal to work with our daughter.

When we do ( which is rare ) answer one of their calls and request repayment based on discretionary income basis, etc. we are denied any assistance and get hounded about making full and immediate payment.

Our daughter is working hard to support her family but does not make enough income to make full, or at times, partial payments. My wife and I are both retired and social security benefits are our primary source of income for paying our bills, etc. We are confident that with time, our daughter will be able to repay what she can as she can but, Navient doesn't seem willing to work with her or us. They are rude over the phone and unresponsive to written communication.
Consumer complaint received 2020-10-29
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Omnipoint Capital (FL)

I have some old retail credit debt appx XXXX k that I have put in a debt relief program however the debt collector to whom it was sold, omnipoint, is threatening to sue me calling me from multiple numbers atleast 10 times a day asking very personal questions leaving threatening vm and trying collect money from my veterans compensation.
Consumer complaint received 2022-08-17
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Credence Resource Management, LLC (MI)

They call multiple times a day to our office even on weekends. 
We have been calling them for weeks and asking them to stop calling- they claim that we are not on their list but we continue to get calls. 

It's very obtrusive on our work staff to have to constantly stop working to answer a call just to be hung up on by them multiple times a day! Every day!
Consumer complaint received 2019-09-12
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. (NV)

I have made several attempts to dispute incorrect information on my credit reports regarding XXXX. I sent several letters to all 3 credit bureaus as well as XXXX asking for this account to be removed from my credit bureaus. XXXX never responded to my complaints. They, nor XXXX, XXXX  or Experian provided proof that I ever had an account with their company but they all continued to report the account as accurate. I would like these companies to provide me with written proof of any contract that I ever signed with them. If they can not provide me with proof, I would like it removed from my bureaus.
Consumer complaint received 2019-01-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Onity Group Inc. (CA)

I am being trafficked for debt bondage. I do not owe this purported creditor.

XXXX XXXX XXXX  Account # XXXX was reported to XXXX as being a mortgage. XXXX XXXX XXXX  also reports it is a Real Estate Type of account and the account was transferred to another lender or claim purchased.

Require XXXX XXXX XXXX to provide the loan documents involved in this account which was opened XX/XX/2005. Include the information regarding the purported construction loan attached to this account and the transfer to another lender or claim purchased. State specifically who it transferred this debt to ( name the lender ) or the party that purchased the account.
Consumer complaint received 2022-07-27
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: EQUIFAX, INC. (NJ)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2019-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (WA)

I have always paid my account on time every month thru the website that the company provided and i always received notice that they received the payment. However, one month they notified me 30 days later that they never received the payment. i tried disputing it because i had paid it and it was their websites problem and not mine but they refused to remove it. Please help
Consumer complaint received 2019-09-09
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. (GA)

Equifax and XXXX are incorrectly reporting a collection in the amount of {$16000.00} on the XXXX/XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) The vehicle was sold at auction and sold for more than the balance owed so consequently, there is not outstanding balance due and owing and therefore nothing to send to collections. This incorrect reporting of a collection is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these items however, I have not been successful.
Consumer complaint received 2019-09-12
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: CITIBANK, N.A. (FL)

I made purchase an on XX/XX/XXXX for {$350.00}. 

I returned item to the vendor under an issued XXXX number by that company. 

There was a small gasket and a large pool pump motor in my returned package. i have proof of package receipt by the vendor. The vendor only credit me {$2.00} for the gasket and did not credit me for the XXXX pound {$350.00} motor. 

I went round and round with the credit card company for months and they would not protect my purchase and issue me the credit for which I am entitled.
Consumer complaint received 2023-08-15
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: DISCOVER BANK (NC)

Payments made to XXXX XXXX XXXX 
I went to the XXXX branch to print documents and also called in to customer service to Discover credit card. Credit card does not have a branch. 
I also made a dispute with credit card on fraud activities, stop payments but they will not acknowledge it after verification 5 times. I'm now paying XXXX XXXX  a month on closed account.
Consumer complaint received 2019-09-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ideal Collection Services, Inc. (FL)

Ideal Collection Services is attempting to collect a debt that has not been properly validated.

The debt to which ICS is attempting to collect was compiled XXXX/XXXX/2018 and faxed to ICS on XXXX/XXXX/2018 for carpet replacement on a rental i vacated on XX/XX/2018. 

ICS provided USPS certified mail Labels ONLY without the original contents, no sender info at all. Just .... XXXX XXXX .... they mailed the certified labels to the apartment that has been vacated where it sat for over a month " knowing i could not possibly of had any knowledge of its existence to respond to the bill obviously ''. This clearly is in violation of my rights under the Fair Debt Collection Act and the state of Florida Statues Law Title VI Chapter 83 Article ( 3 ) ( a ) 3rd paragraph.
Consumer complaint received 2023-08-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc (VA)

I purchase a XXXX XXXX camera in the amount of {$1300.00} using PayPal to pay the seller on my debit card on XXXX XXXX and never received the item and PayPal refuse to help and closed my complaint case against the seller on three different times. The merchant is XXXX XXXX and his info is XXXX and transaction id XXXX. PayPal posted on there site consumer who use the site will have purchased protection but they do not stand by that is saying they are exactly the same as a scammer themselves and someone should put a stop to PayPal doing this to consumer. Thank You.
Consumer complaint received 2019-09-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TD BANK US HOLDING COMPANY (NJ)

I am writing you today as an aggrieved man. My drivers license, social security card and other pertinent information was stolen from me. Several fraudulent accounts were opened in my name without my consent and or knowledge. If those contracts do not contain this wet ink signature ( XXXX XXXX ; XXXX All rights reserved without prejudice ) then they are fraudulent and unlawful.
Consumer complaint received 2023-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (ME)

A number of charges appeared on my credit card that I did not authorize. Citi proactively notified me, but since then it has been a week+ of XXXX. I informed Citi I was traveling abroad BUT did not authorize payments. Citi staff notified me they would mail me a new credit card to my mailing address even though I was not home ; I requested they hold on mailing a new card numerous occasions ( at least XXXX ). The card was mailed and now sits in my mailbox which is unattended. The new card continues to have fraudulent transactions charged to it even though I am in a foreign country. Citi continues to call me and text me to alert me of transactions, however I am unable to speak with Citi as I am locked out of my account until a code can be delivered. I notified the company that the charges processed were fraudulent ( all charges in Massachusetts ) and yet the charges posted- this is a violation of regulation z/e as I had provided the transactions + my account + my name. And now it just drags on closing my accounts when all is said and done.
Consumer complaint received 2022-07-27
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Payfare International Inc. (GA)

I currently work XXXX XXXX XXXX XXXX XXXX XXXX and they have available a prepaid debit card XXXX XXXX XXXXXXXX XXXX XXXX which is operated by Payfare. On XX/XX/XXXX my debit card was charged {$86.00} by a company called XXXX but this charge was not familiar to me and I had never heard of XXXX. I immediately contacted XXXX XXXX customer service to report my card lost/stolen and ordered a new card. I was instructed by customer service to attempt to resolve the charge dispute with the merchant ( XXXX ) first so I did call them and spoke to a rep for about 30 minutes and found out that not only was I charged {$86.00} on XX/XX/XXXX, but I was previously charged {$110.00} on XX/XX/XXXX but never noticed the fraudulent charge to my debit card. After speaking to the XXXX rep we found that the charges came from the payment of a smartphone ( XXXX ) and service payment for a family member that had previously visited my residence during that time period. So obviously this family member obtained my debit card information without my consent and used it to purchase the smartphone. What they did with it I don't know. But XXXX said that they could not refund my money and that I need to file a dispute with my card company. So I contacted XXXX XXXX again with a completed dispute form and screenshot of my call log to prove that I contacted XXXX. After submitting this information via email a representative sent a reply stating " your claim does not qualify for a refund as the transaction ( s ) does not fall within the Zero Liability Protections outlined in the cardholder agreement, which can be found in your app under Legal from the main menu of the XXXX mobile app. '' After reading XXXX that same part of the cardholder agreement, it clearly states that zero liability applies when someone transfers money from my account without my permission. They told me, Zero Liability coverage does not apply where you do not use reasonable care in protecting your card from loss or provide access to your card to another individual. Although the person responsible is a relative I used the same amount of protection that I would use in public. I don't leave my card out in the open, it's in my wallet inside my desk drawer that's located in my study where only I am allowed. I will include a screenshot of the cardholder agreement section that they are trying to twist around in their favor.
Consumer complaint received 2019-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (TX)

I had a home loan that was put into forbearance while being purchased and then paid in full but it is reporting that i have a late payment on my credit report during that time frame. There was never a late pay on my account. I have attempted to get this removed by going to the bureaus but have not been successful. Please help me to get the late pay removed from my credit report.
Consumer complaint received 2023-08-10
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: Complete Credit Solutions, Inc. (FL)

There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instruction for the identified items to be reported on my consumer report. I'm requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction me as a consumer. 

Account Name : Complete Credit Solution Account Date : XX/XX/XXXX Account Name : XXXX XXXX XXXX Account Date : XX/XX/XXXX You are required to do what I'm asking and block these transactions from being reported to my consumer report within 4 days from the date of this notice. I look forward to your response. Thank you
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 — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

My XXXX Visa credit card account should not have a balance of {$3900.00}. Thats a incorrect balance. I should have a recent balance of {$0.00}. Please delete and permanently block the balance reported on my XXXX Visa credit card account.