davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (VA)

I have a credit balance on a closed account in the amount of {$320.00}. I have called multiple times, spent hours on hold, and have been transferred to every department. They keep telling me 7-10 business days but I can't seem to get my money! Going on a month now
Consumer complaint received 2022-04-08
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: EQUIFAX, INC. (TX)

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2022-07-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (CA)

I make a wire transfer to an account provided by my real estate to chase bank but the account was not from chase was a different bank my bank requested the money back XXXX but Chase dont send the money back is over 1 month and dont get why the said that I need to contact the owner of the account and ask him or her to please tell chase to sand the money back buy chase dont Kip me information to contact that person
Consumer complaint received 2022-04-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Security Credit Services, LLC (TX)

This is a formal complaint against Security Credit Services located in XXXX, MS . This company has repeatedly violated my consumer rights under the Fair Debt Collection Practices Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable collection account on all XXXX of my credit reports, XXXX, XXXX and XXXX and not to mention an account in which I've asked for proof of claim and in which they have refused to validate per my request under the Fair Debt Collection Practices Act. Despite my efforts to resolve this unfortunate nightmare for nearly a year now, Security Credit Services has completely ignored my communications and legal submissions to remove this inaccurate information from my credit reports. I am well aware of the many, many other complaints filed against this company for their illegal and unethical collection practices- disguising themselves under multiple business names and using ILLEGAL collection practices all across the country. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Consumer complaint received 2022-10-16
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I am disputing a charge for goods or services that I did not accept or that were not delivered to me as agreed. I am also reporting Capital One for failing to do proper due diligence, siding with the merchant without due cause or process, in direct violation of my rights and the Fair Credit Billing Act. 

On the date of XXXX XX/XX/2022 I was informed by my flight carrier that there was a flight change made. The scheduled flight was to take off on XXXX XX/XX/2022. 

As a result of this flight change, this flight carrier ( XXXX ) offered a full refund ( see EVIDENCE_1.PDF ) for the flight, as indicated by their website, however, it was listed that I must call to receive this refund. Other options, such as a voucher, were available immediately via the website. 

However, XXXX refused to offer the refund that I had full rights to, according to their own terms and their own website. 

On XXXX XX/XX/2022, immediately after learning that XXXX refuses to cooperate, I contacted Capital One to file a dispute ; Capital One assured me that they would " look into it '' and I offered to provide them any and all evidence showcasing the wrong doing done by XXXX. 

Capital One said they did not need any evidence from me. Today, XXXX XX/XX/2022, Capital One decided to side with the merchant, XXXX, without any due process, any collection of evidence from my side, or any email correspondence whatsoever. 

This is fraud and Capital One is not following their obligations under the Fair Credit Billing Act.
Consumer complaint received 2021-05-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (TX)

I submitted my application for public service loan forgiveness on XX/XX/2021 through Fedloans. I received acknowledgement of my application on XX/XX/2021. I received a notice with an updated payment count on XX/XX/2021 confirming that Fedloans had updated my payment count on loan sequences XXXX and XXXX to 120 payments. I reached out to customer service and they said there was nothing to do but to wait and that once the loans passed internal review, they would be passed on to the Department of Education in batches, likely in 2 weeks time. Several weeks pass, I contact customer service again to see if there are any updates. They state that the process is " non-linear '' and that they can not comment what the steps are or which steps have been completed. It is unclear to me ( and hundreds of other borrowers ) currently in this limbo why there can not be more transparency about this process. It is also frustrating to call different customer service representatives and be given a different answer each time. The goal of this program was to encourage people to work for non-profits and governmental agencies for a period of 10 years but in effect, it is actually tying them in place for 10.5 years. I have turned down job offers during this period of time of limbo, decisions which materially impact my family. I respectfully ask for your assistance in increasing the transparency of this process for myself and others like me who feel trapped and helpless in this process.
Consumer complaint received 2023-03-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (OK)

I have called multiple times requesting the original purchase agreement to no avail. 

if the purchase agreement can not be brought forward then i do not see any reason to satisfy the alleged debt. 

After bringing this to their attention nothing has changed. 

i feel nothing more need be said.
Consumer complaint received 2021-05-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (IN)

I order an item online through XXXX and the sender was supposed to send it to me. He sent it to the wrong address and I never got the item to me. I had already paid and he deleted his website so I can not contact him and he never resent the item and it has been a entire month. I disputed the charge with my bank and my claim was denied. I even have prof that I never received the item and they will not refund me my money. XX/XX/XXXX cant give me information on the package except for it was not delivered to me. I paid XXXX dollars and they refused to credit it back to my account
Consumer complaint received 2018-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (TX)

Experian charges my credit card each month for services. I want to cancel but I don't even know what my account is on their Website. I don't know of any user ID or password I might have used, and It doesn't recognize my email address. I don't know what old email address I might have used, but couldn't access one anyway. I try to call their number numerous times, but the system 1 ) doesn't recognized that my SSN has an account associated with it to cancel, 2 ) will not let me talk to a representative, and 3 ) just refers me back to the Website which again doesn't help me. They clearly make it impossible to cancel.
Consumer complaint received 2019-08-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

my credit card company capital one has been charging my account monthly interest rate, which should be included in my monthly payment plus am being charged a monthly purchase charges in witch they will charge my credit card directly. this is total Froud. 
XX/XX/XXXX XXXX XX/XX/XXXX {$5300.00} XX/XX/XXXX {$3900.00} XXXX {$3400.00}
Consumer complaint received 2022-03-12
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. (MI)

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 a account without my written instructions XXXX XXXX XXXX XXXX & XXXX
Consumer complaint received 2022-04-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: DISCOVER BANK (CA)

I placed a domestic wire transfer on XX/XX/2022, and until now ( XX/XX/2022 ) they are not able to see where the funds are even after placing a trace on the wire transfer. The beneficiary has not received the funds and they already pulled them from my account on XX/XX/XXXX, the day I placed the wire transfer. 

I called almost everyday to check if there has been any update, but every call it ends up being the same thing being either " no update yet '' or " we can place another update request '' and it has been those two responses over and over for the past few weeks.
Consumer complaint received 2020-11-08
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: CAPITAL ONE FINANCIAL CORPORATION (IN)

I received a fraud alert on my credit card. I noticed the card was used and I didnt make the purchase and did not authorize the purchase. Capital One said they would freeze the card and do an investigation. A week later they concluded there was insufficient evidence of fraud and that I or am authorized party may have benefited from the transaction. I do not have an authorized person on the card and I was home at the time of the transaction, I had the card in my wallet 20 miles away.
Consumer complaint received 2018-07-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MI)

I just paid off a $ XXXX student loan over the phone. I asked to pay extra money to cover the interest while the payment was processing so that I could ensure that the account was completely paid off, but the Navient representative said I didn't need to do that. The account continued to gain interest while the payment was processing, so I called Navient back and they said the interest charges would drop off in a couple of weeks. Months went by and the charges never dropped off, and the interest continued to compound, so I finally just paid it off because I haven't been able to reach a resolution with them. I feel that this is a bad business practice and that I should not have owed them anymore money after the original payment I made and the conversation I had with the representative.
Consumer complaint received 2022-07-07
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. (FL)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/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 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 2022-04-08
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: EQUIFAX, INC. (GA)

Almost 2 months later and I havent seen my credit disputes addressed by XXXX, XXXX XXXX and Equifax. This is a violation of thier timelines and is putting me and my family in financial distress.
Consumer complaint received 2017-06-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I was released from prison in  XXXX  and began to work on my credit. I seen someone had a capital one account in my name. This could not be mine because I was in prison when the account was opened and we had no access to internet activity. So a fter Capital One investigated they deleted it. Now I am trying to rebuild my credit and actually apply, they are denying me. How can I be accountable or punished for something I did not initially do.
Consumer complaint received 2015-07-08
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP (GA)

Due to financial setbacks in XX/XX/XXXX, we finally had to file for Bankruptcy in XX/XX/XXXX. We struggled to make all our payments and comply with the trustee guidelines. Throughout the process, US bank tried- on numerous occasions- to file a motion for relief of stay with the bankruptcy court but each time our attorneys fought for us. They even claimed that we did not make all of our payments through the bankruptcy and the attorneys had to go to court & produce records in conjunction with our records that we did. Finally, after XXXX painful years fighting US bank and paying off creditors, our Ch. XXXX was discharged in XXXX of XXXX. Sadly, the harassment by US bank continues. They failed to update their records and clear of a motion to foreclose on our property in XXXX. As a result, on XXXX XXXX, XXXX we received a letter dated XXXX XXXX, from XXXX XXXX XXXX that our mortgage has been referred to their firm for Foreclosure. This was a complete shock and re-opened wounds that we thought were healed! I spent much time on the phone trying to get this new matter cleared up and answers as to why this happened. They said they would take care of the matter. I ca n't put into words how discouraged and tired we are of the harassment by this bank. They have tried repeatedly over the years to seize our property. We are current on our loan! We did receive a loan modification during the Ch. XXXX but only after years of filling out applications and being denied repeatedly. We had to complain to this agency on that matter too. We have much equity in our house but because of the bankruptcy and a damaged credit history, we ca n't pull from it to get needed home repairs. US bank knows this. US bank is one of many banks that use their power to intimidate hard working homeowners and should be held accountable for their actions. We feel they have a vendetta against us and we should no longer suffer this emotional and financial torment.
Consumer complaint received 2021-05-12
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: Chime Financial Inc (NV)

On XX/XX/2021 I noticed fraudulent activity on my Chime credit builder card. On XX/XX/XXXX my card was used fraudulently XXXX times at exactly XXXX at XXXX in XXXX XXXX NV totaling {$1100.00}. On XX/XX/XXXX my card was used once at XXXX at XXXX in XXXX NV totaling {$190.00}. XX/XX/XXXX I noticed this activity and called to dispute these to Chime. I filed the dispute and sent back the dispute form as requested. Chime cancelled the card and stated that they would mail me a new card. On XX/XX/XXXX my card was again used fraudulently at XXXX XXXX  times at exactly XXXX. I again called chime to dispute these charges and again was told that the card was off and that the disputes department would look into this and that it could take up to 90 days. At this point I spoke to a members services agent who told me that the card had been used at multiple different locations around XXXX California at the exact same minute. On XX/XX/XXXX I received and activated my new card and transferred {$1.00} into my credit builder account. On XX/XX/XXXX at exactly XXXX my old card was used XXXX times at XXXX totaling {$820.00} and another dispute was filed with Chime and same steps were taken in changing my passwords etc. On XX/XX/XXXX my old card was again used at XXXX  totaling {$66.00}. I filed yet another dispute with Chime and this dispute was resolved same day. At this point I had both my old card and my new card deactivated. No purchases should have been able to go through and a new card was being sent to me. On XX/XX/XXXX at exactly XXXX just as I was clocking out for lunch at work my first card was charged XXXX times at XXXX  totaling {$2900.00}. I reported this to chime on XX/XX/XXXX. On XX/XX/XXXX I called the dispute department to make sure they had received all documentation and additional documentation that I had including screenshots of my location at the time of every single dispute, my XXXX shopping history both in store and online and my clock in from work. All disputes were closed by XX/XX/2021 stating that my dispute was denied. I asked for more information on why a dispute was previously denied and was sent an email containing a basic printout of the transactions and the time and station ID of transactions. To me this is not proof at all. Today I received an email that my account would be closed as of XX/XX/2021. When I asked the Chime agent the reason he said that it was not listed. I do not want to be held responsible for these fraudulent charges. I have done my due diligence in reporting within a reasonable time. Changing my passwords etc in order to keep my information safe.
Consumer complaint received 2015-12-22
Product: Credit card — 
Issue: Late fee — 
Company: U.S. BANCORP (RI)

I have a credit card through Citizens Bank with a payment due date of th the XXXX of each month. Since XXXX 2015, I submitted my payment at the a branch location on or before the due date. However, the bank assessed a late fee for the following months : XXXX, XXXX, XXXX, and XXXX, on the actual due date. A day or two later, the late fee was taken off my account, but XXXX wonders if the bank is collecting any type of interest for the day or XXXX that it assessed the fee. 
Furthermore, the payment is clearly due " on or before XXXX. 
on the XXXX, '' which begs the question as to why the bank is assessing a late fee on the due date? I feel that the bank is assessing late fees on accounts that are not actually late and is benefitting by having the day or XXXX to accrue interest or other monetary gains on accounts that are are not truly late or in arrears.
Consumer complaint received 2018-11-26
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: SYNCHRONY FINANCIAL (CA)

Their was an fraudulent attempt from an unknown individual out of Florida and applied for a XXXX credit card. 
Long story short this is the second attempted to get this inquiry removed from my credit report still reflecting as of XX/XX/2018
Consumer complaint received 2022-01-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NC)

Portfolio Recovery Associates, LLC at XXXX XXXX XXXX XXXX VA XXXX has been sending me collection notices in the amount of XXXX. The collection has been reported as past due balance. I do not know this company. The company does not have a contract with my signature.
Consumer complaint received 2022-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

i have been writing all XXXX bureaus, about accts and inaccuracies, in my credit file. There is a account, XXXX XXXX XXXX # XXXX, they are reporting, XXXX different negative late payments, i have written them several times, and they still continue, to keep this in my reporting even though it is inaccurate reporting. They are supposed to be a independent agencies, why do they keep doing negative things to the consumer file. i am a single woman, trying to raise a child, the law is clear inaccurate or incomplete, listings have to be deleted, its costing me time and money to try and get something so simple, how do they have so much control over our lives. EXPERIAN, XXXX and XXXX all are still reporting such.