davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-16
Product: Credit card or prepaid card — Store credit 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 (NC)

On XX/XX/XXXX XXXX was taken out of my personal account twice. I requested the additional XXXX to be credited back to my account and Kohls stated they had to sent it in a check form. As of XX/XX/XXXX I still had not received the check for the XXXX as when I requested the check on or around XX/XX/XXXX my account balance for Kohls was XXXX. I called back in the middle of XXXX to ask where the check was and was told to wait till the end of the month. I called again in the middle of XXXX as I still had yet to receive the check and they stated they would be sending it again. On XX/XX/XXXX My payment due balance.was XXXX. As of XX/XX/XXXX they recharged me XXXX two times and added late fees to my account on top of a purchase I had made for XXXX XXXX  sales. I never received the XXXX XXXX  sales purchase as it never left the warehouse. I called to request a refund and never received one and also also called to ask about why I was charged twice for XXXX. The issue was not resolved and I was told to fax my bank statement showing I was charged XXXX from my bank account. I faxed that information. They then in return took off one of the XXXX charges but not the other one. I have called every month since then asking for the check to be sent and each time I am told it is being sent. As of today, it has not been sent and I am not being charged late fees on top of the money that I never owed. I have called to try to find a solution but they do not offer one. I need this fixed asap.
Consumer complaint received 2021-10-02
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: CCS Financial Services, Inc. (NY)

This company refuses to validate the debt. I have sent a letter to them disputing the validity of the said debt. I requested that they send me information proving that I owe what they say I owe. The did not comply. This is in violation of the FDCPA. I have disputed the debt with the 3 major credit bureaus and they continue to report an invalid debt. This is in violation of the FCRA. I will have to peruse litigation if they continue to report this invalid debt.
Consumer complaint received 2021-01-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (AZ)

On XX/XX/XXXXmy husband called ERC for account XXXX. The letter had a debt from XXXX  or XXXX essentially asking that half be paid to resolve the debt. I have been married for 10 years and the debt is under my maiden name. I have strictly had XXXX on my dad or husbands plan since XXXX grade. At no time have I ever had XXXX or XXXX XXXX. ERC refused to talk to my husband on my behalf. It is absurd and wrong that I have to jump through hurdles on a charge that I have never made. While I understand the need for collections when bills are not paid I also do not understand why they refuse to talk to my husband about this issue. As I have stated previously I certify my consent to talk to my husband directly.
Consumer complaint received 2024-05-10
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: SYNCHRONY FINANCIAL (WA)

As of XX/XX/year>, Synchrony bank disabled my loggin user name and password. Consequently I have been unable to access both my saving and money market accounts online or app. I have no access to transfer of funds, my deposits and statements. 

Both my saving and money market accounts were restricted from transfer of funds since XX/XX/year> but I was able to monitor the status. I was notified for saving account activity review on XX/XX/XXXX. It was strange because there wasnt any unauthorized activities on any of my accounts. 

I called the support center several times. Some of them documented my inquiries and submitted to the back office/fraud department/security department XXXX My request to speak to fraud/security department was denied because there was no such an option. Neither back office nor a manager would be an option to reach out to. 

Now I have been completely locked out of my own account and money. My access to online banking has been wiped out. I have no way to access or monitor my accounts or documents.
Consumer complaint received 2017-03-27
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Portfolio Recovery Associate has no right to collect on a debt delinquent from XX/XX/XXXX. Nor have they provided validation information as required by the FDCPA. I have requested a validation of the debt your company claims I owe. In response, I received a letter noting the amount {$710.00} on or about XX/XX/XXXX. Consumers have the right to request a validation of debt to ensure the company collecting the debt has not made an error. Sending me notice of the amount I supposedly owe does not prove that I owe the debt ; it merely proves that your company seeks to collect the specified amount. Please note I am not requesting a verification of your records. I am requesting proof that I incurred this debt, how much was incurred, and that you have the right to collect it. Proof of my liability is my legal right under the Fair Debt Collection Practices Act. Furthermore, based on the information regarding this debt provided by your representatives, I believe this debt to be in error partially or wholly and request proof as stipulated by the FCRA. I request proof XXXX XXXX XXXX XXXX is licensed to collect in the state of Georgia.
Consumer complaint received 2016-11-29
Product: Debt collection — Federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Nelnet, Inc. (TX)

Nelnet is reporting incorrect information to my credit report, payment history, account number, loan amount, loan date, and type of account. I have contacted Nelnet multiple times and they continue to report incorrect data. and they are reporting the information multiple times ( XXXX times )
Consumer complaint received 2016-08-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (NV)

XXXX XXXX XXXX shows on my EXPERIAN credit report that we filed for a CHAPTER XXXX Bankruptcy and that {$1200.00} was written off. The account history states : Filed Chapter XXXX Bankruptcy on XXXX XXXX, XXXX - THIS IS INCORRECT. 

When we advised XXXX XXXX Bank of the error in the Experian Credit Report they responded on a XXXX XXXX, XXXX letter that the ownership of this account had been transferred to XXXX XXXX and if I wanted more information on the account to contact XXXX. 

Several written attempts have been made to reach XXXX XXXX via correspondence. Phone calls have been met with a request to make payment on the account, despite the fact that the account has been satisfied via our XXXX Bankruptcy.
Consumer complaint received 2015-09-12
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I am under a unlawful, deceptive, and discriminatory foreclosure practices and the company SELECT PORTFOLIO SERVICING INC . 

the system is not taking any attachments at all & gt ;
Consumer complaint received 2015-05-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Pinnacle Credit Services, LLC (IL)

In this case, Pinnacle Credit Services ( XXXX XXXX XXXX XXXX MN XXXX, representing their client XXXX XXXX, refused to acknowledge that I never had an account with XXXX and do not owe said telecom giant {$2500.00}. XXXX wrote back that the entry meets the requirements of the Fair Credit Reporting Act. However, that is impossible given that I never engaged their client and only had XXXX and it 's predecessor. Please assist in preventing them from collecting under a false premise.
Consumer complaint received 2024-05-08
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc (TX)

I am writing to address the ongoing issue regarding my refund of {$2800.00} related to claim number # XXXX with my Chime account that is protected by XXXX XXXX XXXX XXXXXXXX. ON XX/XX/year>, I received documents that Chime uploaded from the merchant that are completely inaccurate and fail to provide any evidence disproving my claims, which are indeed valid. The report erroneously states that I am disputing only {$100.00}, whereas I am actually disputing the full amount of {$2800.00}. 
Furthermore, Majority of the evidence I submitted to Chime was not forwarded to the merchant, and Chime did not complete my intake form correctly. 
The service I expected to receive was a lease takeover for an apartment advertised by XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX I transferred {$2800.00} from my CHIME bank account to my CXXXX XXXX  account on XX/XX/XXXX and XXXX, 2024, to send to $ XXXX as instructed by XXXX XXXX via XXXX for a move-in date of XX/XX/year>. 
I made XXXX transactions from my Chime account : {$2000.00} and {$200.00} on XX/XX/XXXX, and {$200.00}, {$100.00}, and {$340.00} on XX/XX/XXXX to send to XXXX XXXX totaling {$2800.00} for this apartment lease takeover. 
From my XXXX XXXX balance, funded by my Chime account, I sent XXXX XXXX {$2200.00} on XX/XX/XXXX and {$300.00} and {$340.00} on XX/XX/XXXX, totaling {$2800.00}. 
I do not know XXXX XXXX personally ; I was simply instructed to send him the money via XXXX XXXX  which Ive already uploaded that proof/documents to Chime multiple times. 
Ive provided all accurate information proving this was a theft of service and that I never received what I paid for. Chime has the active police report and all evidence. 
I do not feel comfortable that Chime Financial , Inc. is hiding information from the merchant and the disputes amount are not correct and theyve also submitted falsely information. This huge error is suspicious which makes me believe Chime is illegally denying my disputes and hiding information from the merchant.
Consumer complaint received 2023-03-16
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. (MD)

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. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2015-03-24
Product: Debt collection — Payday loan
Issue: False statements or representation — Impersonated an attorney or official
Company: NAM National Arbitration and Mediation (KS)

A man named XXXX said that he was a legal courier for XXXX and XXXX XXXX and he was going to attempt to deliver legal papers to my door and place of employment he left me a number to call to stop this effort XXXX when I called that number I spoke to a man name was undisclosed he had the last XXXX of my social security number he did not read me the mini Miranda when I asked him if the call was recorded he said we do not record our calls mop also informed me that I am not being sued and his company 's name is ADR processing I told him that I will not be paying this debt because I have not had any contact via mail and to many scam agencies out there
Consumer complaint received 2017-03-01
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: Exeter Finance, LLC. (TX)

This company made inquiries to my credit report. I did not authorized the dealership to contact this company for credit approval. in many cases the dealership was told in writing not to do so. 

These companies were sent letters disputing the inquiries and told me to contact dealer. I disputed with credit reporting company and they told me to contact the credit company who requested my credit report. 

Either way this company should not have pulled my credit report and have over XXXX inquires on all XXXX credit reports. 

I want their inquires removed. 

SSN : : XXXX DOB : XX/XX/XXXX1970
Consumer complaint received 2024-05-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP (CA)

I signed up with US Bank with a promo code sent to me via mail. I used said promo code when creating the checking account needed. I took a screenshot of this process. 

The promo was to gain {$300.00} for direct deposits totaling {$5000.00} - {$9900.00} within 90 days. I opened the account on XX/XX/XXXX with a funding deposit of {$25.00}. I proceeded to have direct deposits of {$850.00} from my employer on XX/XX/XXXX and XXXX, XX/XX/XXXX and XXXX, XX/XX/XXXX and XXXX. XXXX deposits of {$850.00} makes a {$5100.00} total deposit. This was also clearly done within 90 days yet I received no reward. 

I contacted US Bank via chat on XX/XX/XXXX about this. They confirmed that I met the requirements and that a request was being submitted to review my account and contact me with a determination. I was told to wait XXXX week for a result. Time passed with no contact and no notice of a decision. I called US Bank with the same inquiry. The representative again said that I met all requirements and that she would put in an acronym I can not remember to basically do the same thing as the chat representation : research this issue and get back to me. 

To date, I have not received the cash reward. It appears US Bank does not want to fulfill their advertised terms.
Consumer complaint received 2023-03-16
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 (FL)

I applied for a credit card today XX/XX/2023 from an offer emailed to me from Capital One Bank. I have had a credit card with them for many years now and have always paid on time, and not once have been delinquent on a payment ; in fact I always pay much more than the minimum required. The email they sent was highly misleading. It stated that because of my hard work and excellent history with the company I was " pre-approved '' for a card with 0 % APR for the first 9 months. Here is the cut/paste from Capital One 's misleading email : " You work hard to manage your credit responsibly, and the next step on your credit journey is clearan offer to earn rewards on every purchase with the from Capital One, all with no annual fee. '' Thinking I could get 0 % APR for 9 months was great ( especially compared to what I pay them currently ), and I applied thinking I was " pre-approved. '' I was immediately denied and a hard pull on my credit report is now permanent because of Capital One 's misleading marketing practices. I work very hard to keep my credit history clean and all payments are always on time. I don't need this kind of negative reporting on my report. This kind of dishonest activity practice here by Capital One should be illegal. I attempted to email them at the address they sent my denial letter to and it was kicked back as undeliverable. The federal government needs to take these criminals to task for this kind of deliberate dishonesty. 
Bottom line : don't send out offers that a company does not intend to abide by. Capital One is a company that I will be making great efforts to no longer do business with because of dishonest business practices like this.
Consumer complaint received 2021-01-26
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)

I am formally requesting that you validate all tradeline notations you have submitted to the three major credit reporting agencies as XXXX, Equifax and XXXX  all accounts listed in Identity Theft which are not mine.Due to possible inaccuracies in these CRA reports, I must demand that the validation I hereby lawfully request be in the form of a notarized statement by a person with original knowledge of the debt as it was constituted and who can testify that the debt was incurred legally, was not subsequently disputed as a result of returned, faulty, or recalled consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claimed as a loss with any insuring entity during the period it may have been payable. Please be advised that I am not requesting a verification that you have my mailing address ; rather, I am requesting validation, i.e., competent evidence that I had some contractual obligation sans consumer protection encumbrance which incurred the original claims associated with this tradeline. 

Please know that you have 30 days from the tracked and confirmed delivery of this lawful notice to either answer these demands or to remove the associated negative tradeline notations from the CRA reports. Any other action may constitute evidence of your intent to abridge one or more civil or other constitutional rights. Please be further advised that continued unsubstantiated reporting of possible inaccuracies to third parties may provide a basis for criminal complaints being filed in accordance with FCBA, FCRA, and other federal statutes. 

I look forward to a timely and amicable resolution to this matter.
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CL Holdings LLC (FL)

This is not my account you ; re violating my rights, no proof of validation has been submitted to me, XXXX  - XXXX - 15 us code 1692j - furnishing certain forms - It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. - Please delete. 

XXXX - XXXX 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies XXXX XXXX XXXX - XXXX 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies 5 us code 1692j - furnishing certain forms- It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. - Please delete.
Consumer complaint received 2015-10-23
Product: Prepaid card — Payroll card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC (NJ)

I sent my complaint last week ... I Mentioned how they Dont answer, when they do answer u on hold for XXXX hours, every time I ask for a supervisor they transfer me to another agent, or they transfer me and I get disconnected, they wo n't give me straight forward answers I need answered, i got put on hold without knowing and how they lying on social sites this is all on top of whats going on with my account..I should have receive my paycheck direct deposit on XXXX/XXXX/15 to this date no check and today is XXXX/XXXX/15 no agent has called me or anything. Most of the rep just do n't say anything I 'm tired of this this is so stressful
Consumer complaint received 2020-06-01
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 (VA)

My PayPal account has more than {$4500.00} that PayPal is refusing to allow me to withdraw for 6 months. I have no outstanding refunds or other issues. Last week, PayPal requested more information on routine transactions that I immediately provided to the company. Today, it informed me my account would be closed with no further information and said it would not allow me to access my money for a period of 180 days. There is no legitimate reason for PayPal to hold my money. If they want to close my account, fine, but they need to give me money. There are no outstanding orders, refunds or any other type of transaction that necessitates PayPal holding onto my money in order to ensure there is money to cover any returns or refunds.
Consumer complaint received 2016-04-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Utah System of Higher Education (CA)

The associates at the new servicer Utah Higher Education XXXX refused to allow me to put my loan into forbearance and further, have blocked from using their website. I never had any problems and have never been late on any payment with the prior servicer XXXX. The representative XXXX ID # XXXX refused to let me speak with a supervisor or manager and disconnected me. 
As I am not working, I just wanted to put my loan into forbearance as I have that right but this new servicer comply.