davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

Upon discovering Visa 's prohibition related to convenience fees in a XXXX XXXX, I called Visa with a question to clarify. Visa transferred me to Capital One ( my issuer for the XXXX XXXX XXXX  ) and told me to ask for a " Visa payment coordinator. '' Capital One could not answer the question, could not identify their " Visa payment coordinator '' and told me to call Visa. Capital One further stated that I could " write a letter to corporate '' because my question was a " XXXX off '' and something " above their heads. '' The Visa Core Rules and Visa Product and Service Rules XXXX XXXX XXXX XXXXXXXX XXXX includes requirements for convenience fees, surcharges and for transaction receipt content. Visa requirements for convenience fees ( see Table XXXX on pages XXXX and XXXX ) of the aforementioned document states that convenience fees can not be charged if the XXXX operates XXXX in a XXXX XXXX. XXXX XXXX is defined on XXXX XXXX of the document as XXXX where the : XXXX ) cardholder is not present and 2 ) card is not present.

My question is straightforward : is it a correct interpretation of Visa 's XXXX XXXX that merchants who operate solely with an online presence ( no way to appear in person and present a card at point of sale ) can not charge convenience fees even if those merchants offer alternative payment methods such as mailing a check or using XXXX? Furthermore, what is the appropriate Visa dispute / chargeback code in instances where a convenience fee is charged in contravention of Visa 's requirements?
Consumer complaint received 2019-02-26
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (TX)

I graduated college back in XXXX. Back then, my school loan was with NY Department of Education and afterwards Sallie Mae. I was told numerous times that my starting salary in my field would be around $ 50k. With some smart saving I thought I would be able to still pay off my loan while my wife and I lived in a small 1 bedroom apartment. When I was finally offered a permanent job, it was at $ XXXX/hr in my field. A far cry from the $ XXXX that my college said I would start at. I called Sallie Mae and was never offered the income based payback method. Everything was with them was always deferment. This went on for years even after Navient took over. I went from under a $ 30k student loan to $ XXXX student loan because of all the deferments and the high interest rate of 8.125 %. The difference is all capitalized interest and whatever other fees they tacked on through the years. Navient wouldn't let me refinance at a lower rate because they said I was ineligible. They knew what they were doing and never told me I could of paid based on my tiny take home paycheck starting back in XXXX! Fast forward to XXXX. Im finally making a little money hoping to start making payments to bring this ridiculous monster debt that I shouldnt have down. Now all of a sudden they want to do income driven repayment. I told them I cant do more than $ 150/month. Everything they calculated was through my tax returns. Nobody from Navient would work with me regarding what I could actually afford to pay. Jump to XXXX and now Navient wants $ XXXX/month which I definitely cant do. The company seems to forget that I dont get to keep what the IRS reports and that Navient is not my only bill. I have to pay for my vehicles to get me to work to earn my paycheck. Pay for gas to get me back and forth to work as well as insurance. Pay for the roof over my head because in my job, I need to be awake and very alert. Pay for the various personal insurances. Monthly utility bills because heat would be nice in the cold months and a little a/c in the summer since where I live it gets very hot. The credit cards because thats the only way we can afford to buy our food and those are maxed out. My wife packs everything up for me and I dont order out because we cant afford it. Then there are other bills as well. You get my drift. I have told Navient time and time again, even paying $ XXXX/month is pushing it but I can do that on time every month unlike the {$720.00} payment. I want to pay it off, but I simply cant afford that much even though my tax returns look like I can. By the time everything is paid, Im lucky if we have {$5.00} left in the bank. So maybe Navient will step up and work with me since I had no choice but to come on here and complain.
Consumer complaint received 2017-03-07
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: DISCOVER BANK (NM)

In XX/XX/XXXX Discover Card called my number several times claiming to alert me to identity theft. I also received a letter dated XX/XX/2016 stating that Federal Law requires them to verify and record all information that identifies each person who applies for credit. I did not apply for credit from Discover Card. Their letter required me to call their Fraud Department and suggested I notify the XXXX credit agencies. 

I called and asked for a copy of the application and I was told I had to " prove '' who I was by sending certain documents, including a police report of identity theft. All these I did. I also sent a letter dated XX/XX/2016. Still I did not receive the copy. I began calling asking for the report. I was told that it was " in archives ''. I asked why it would be in archives if we were currently working on it. I was told it would only take anywhere from 24 hours to two weeks to bring the document out of archives and send it to me. I called in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and talked to various individuals, all of whom told me the document was in archives and they would bring it out and send me a copy. 

On XX/XX/2016 I spoke with a supervisor, XXXX XXXX who once again told me the application was " in archives ''. I asked how that could be since I had been calling for two months. He said he would take care of it. But no. I called on XX/XX/XXXX, and was told one day. I call on XX/XX/XXXX, XX/XX/XXXX and talked to XXXX in Utah, XX/XX/XXXX talked to XXXX and finally was transferred to the " security department '' where I talked to XXXX, and was told that they " never received the documents. '' This makes me very concerned. Discover Card initiated the call and the letter and the fraud alert. Yet, its representatives have consistently given me the proverbial " run around. '' I believe that someone within the organization is perpetrating this scam, but I doubt that I will ever get to the bottom of this. 
I do not believe that in the entire nation I am the only person who has encountered this.
Consumer complaint received 2022-08-09
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. (TX)

TO WHOM IT MAY CONCERN I HAVE A FEW ACCOUNTS IN MY NAME THAT DO NOT BELONG TO ME IT SEEMS MY INFORMATION HAS BEEN COMPROMISED THE FOLLOWING ACCOUNTS ARE XXXX  AMOUNT {$33000.00} OPENED XX/XX/2020 ACCOUNT # XXXX AND THE OTHER ACCOUNT IS WITH XXXX ACCOUNT # XXXX
Consumer complaint received 2021-10-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harris & Harris, Ltd. (CT)

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX and XXXX Data breaches. I decided to look at my credit reports and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Remove this following collection account immediately : HARRIS ( Original Creditor : XXXX XXXX XXXX XXXX ) -XXXX-Balance {$6800.00} HARRIS ( Original Creditor : XXXX XXXX XXXX XXXX ) -XXXX-Balance {$160.00} HARRIS ( Original Creditor : XXXX XXXX XXXX XXXX ) -XXXX-Balance {$720.00}
Consumer complaint received 2015-09-13
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CREDIT ACCEPTANCE CORPORATION (VA)

My complaint is that I purchased a truck back in XXXX 2009 from a dealership I put down on a down payment to get the truck, during my time with the truck from the start I was having mechanical problems, After maybe 3 mo I had credit card fraud which caused me to not be able to make the payment for that mo. So they then remotely XXXX the start engine on the truck so I could not drive it. So within a couple of weeks they repossessed it, an offered me in a letter to buy it back at auction which I could not buy it back because I did not have the money to make the payment let alone to be able to purchase it back for the remaining balance after auction, so in further complaint they sent a garnishment summons to my job stating that I owe them {$3100.00} less the amount they sold the truck at auction. Ok now the question I would like answered is what physical money did they loan me ( put money in my hands check or cash ) that was paid towards the purchase of the truck, an did they not get there property back when they repossessed the truck an sold it at auction. So what warrants me to owe them physical money an for them to hide behind the courts to have them issue a judgment against me for physical money they never give me any way an to take money from me, here is something to think about : when you need to rent a car you have to put down a deposit. when you retain the car you then pay for the usage of the car, you return the car you get your deposit back. physical money an property is being exchanged I feel it is the same concept as leasing a car.
Consumer complaint received 2022-08-09
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)

TO WHOM IT MAY CONCERN I HAVE A FEW ACCOUNTS IN MY NAME THAT DO NOT BELONG TO ME IT SEEMS MY INFORMATION HAS BEEN COMPROMISED THE FOLLOWING ACCOUNTS ARE XXXX AMOUNT {$33000.00} OPENED XX/XX/2020 ACCOUNT # XXXX AND THE OTHER ACCOUNT IS WITH XXXX ACCOUNT # XXXX
Consumer complaint received 2023-07-27
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Credit Karma (NC)

Account was frozen for no reason and now for about 2 weeks I have been getting the run around and no access to my funds, all documents have been submitted to Credit Karma, but they continue to keep my money XXXX while they receive interest off of it.
Consumer complaint received 2015-06-19
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: TRANSWORLD SYSTEMS INC (MD)

I was in the hospital XXXX of 2014. I received XXXX statement from the hospital. I called the hospital to make them aware I had no insurance and they understood. In XX/XX/XXXX I was accepted for XXXX Assistance. A social worker contacted me and made me aware all previous medical bills will be taken care of up to XXXX months. I gave all information for hospital bill and the woman said it will all be covered. I never again received a statement from the hospital and never received a collection letter or pre list letter. I am very upset and would like this resolved.
Consumer complaint received 2015-09-18
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation (CA)

I asked my mortgage company, PHH Mortgage, if I could make bi-weekly payments. I was told that their company no longer accepts bi-weekly payments, and that even if I sent them it would not accelerate the amortization of my mortgage -- i.e. they would still treat my bi-weekly payments as monthly.
Consumer complaint received 2016-05-31
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (MN)

There is a judgment listed on my Equifax credit report that is not mine. The case number listed is XXXX and this does not exist in XXXX XXXX Court records. I have gone up to the XXXX XXXX Courthouse now 3 different times in person to try to get this incorrect information removed as well as calling. I have disputed this twice through Equifax , yet it still remains. I spoke directly to multiple people who stat that the case number XXXX does not exist in their system. I have also done a statewide search through our online inquiry database for this case number and each time it comes back with nothing. I originally disputed this on XXXX/XXXX/16 and again on XXXX/XXXX/16. They state that this has been verified by XXXX XXXX and when I have gone up there to speak with someone at XXXX XXXX they have given me phone number to have Equifax directly contact them as well as stated that they would not have confirmed this case number as the format of the case number itself is not XXXX used in their systems. I am a XXXX minute drive from this courthouse each way so in total I have driven XXXX mile attempting to correct this as well as missed 3 days of work. I am upset at being denied a mortgage wrongly and at the out of pocket cost of correcting this error and I am not able to get anywhere with Equifax. This case number simply does not exist according to XXXX XXXX. Equifax claims they received verification electronically and do not have a specific contact person at XXXX XXXX that they received this incorrect information from. I would like this incorrect information removed from my report immediately and would like to be reimbursed for my lost wages, time and gas to pursue correction of this matter in the amount of {$2000.00}.
Consumer complaint received 2019-02-26
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: Experian Information Solutions Inc. (CA)

I have noticed that XXXX XXXX have placed an inquiry on my Experian credit file dated XX/XX/2017. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC? 1681b ) for an entity to view a consumer 's credit report without a " permissible purpose, '' I am writing to inquire as to your alleged purpose, for doing so since I did not apply for employment with your organization nor did I request credit from your organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC? 1681n ( a ) ( 1 ) ( B ) states, in part, " in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure are { {$1000.00} }, whichever is greater ; ''
Consumer complaint received 2015-04-21
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BB&T CORPORATION (FL)

I have been a customer of BB & T bank now for about 4 months and from inception, it has been a nightmare. I believe their fee processing borders on the unethical. Recently I was in a situation were BB & T charged me {$250.00} in fees for a returned item and overdraft situation. Because their systems are so inadequate, I received {$140.00} in unnecessary fees that I flat out refuse to pay. That said, I do accept responsibility for {$100.00} in fees ( XXXX returned item fees and an overdraft fee ). The worst part is that customer service has been almost antagonistic in dealing with me, and totally unhelpful. I have already moved on to a new bank and am willing to walk away completely from my current negative balance of {$450.00}. But to avoid a negative reporting on my credit and elsewhere, I would like to settle my current {$450.00} negative balance for {$310.00} and close my accounts. The difference being the previously mentioned {$140.00} in unethical fees.
Consumer complaint received 2016-07-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (GA)

Back in XXXX, 2016, I received my XXXX XXXX credit card statement with an annual fee of {$190.00}. Since i was n't using my card much I decided to close my account and paid the last bill for {$5.00} and the company agreed to credit me back the {$190.00} and they closed my account. In XXXX, 2016 I received a letter from a collection agency stating that I owe {$260.00} on my XXXX card ( {$190.00} in annual fee, {$27.00} late fee plus financial charges ). I have never used my credit card since I closed and I knew it was paid in full. I explained to the collection agency my story in writing and they agreed to close my case with {$00.00} balance. two weeks later I received my statement from XXXX showing a {$0.00} balance but my credit report is showing 30, 60 & 90 days late on my XXXX credit card and that 's hurting my credit rating due to this incorrect info that XXXX provided to the reporting agencies and that 's unfair.
Consumer complaint received 2023-12-29
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE (NY)

I have had XXXX credit cards opened without my knowledge this past month. XXXX was opened on XX/XX/2023. BARCLAYS BANK XXXX was opened on XX/XX/2023. BARCLAYS BANK XXXX credit card balance increased by {$610.00} from {$0.00} to {$610.00}. Since then my credit score has went down XXXX points. I have never opened these cards and am worried they know my social security and are able to open more cards on my name.
Consumer complaint received 2023-12-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NJ)

Wells Fargo gave me the documents used regarding my claim, but they did not disprove anything I was saying, and the reasons why I disputed the transactions. The merchant whose transactions I was disputing have insisted that Wells Fargo received my money back even though Wells Fargo has not given me back the money. I have tried to email and call multiple times and nobody responds at all
Consumer complaint received 2020-10-19
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: Experian Information Solutions Inc. (GA)

hi, i submitted disputes for personal info on XX/XX/2020 also letters for a 60 day no response XXXX XXXX XXXX  and disputes for collections XXXX XXXX XXXX  with no response.
Consumer complaint received 2020-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MoneyLion Inc. (FL)

I opened an account with money lion back in XXXX and had it paid off by XXXX ; before that I opened an account and closed it the same day. Ive already complained due to the time frame it took for them to repay the escrow and now they are placing an inaccurate credit report which is affecting my score, Im contacting my lawyer.
Consumer complaint received 2016-12-16
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (FL)

Synchrony continuing to bill me for a fraudulent charge which I disputed. I explained that neither had I ordered or received merchandise amounting to the {$350.00} but had only purchased and paid for XXXX trial items totaling {$9.00} which were unsatisfactory and which the company had failed to allow me to return.
Consumer complaint received 2016-05-14
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Paypal Holdings, Inc (WA)

I have a PayPal account. I funded my account with PayPal My Cash card that I bought from a store. I then used PayPal debit card to make regular purchases. Based on those activities, PayPal freeze my account for no good reason. I 've asked them to refund my balance but they refuse to do so and said they will hold my money for 6 months. Please help and make PayPal refunded my remaining balance. They have no right to keep people money for 6 months.
Consumer complaint received 2017-05-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (AZ)

I have  two  consolidation loans with navient. I have been paying for  25plus ye ars. I did not authorize my student loans to be consolidated and yet they were in  XXXX . They are done in  XXXX . However, I have paid over twice the loan amount originally in interest when I could have been done with my loans years ago. I have tried to reach navient and can not get a person to answer a phone call. This is not right or fair.
Consumer complaint received 2019-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CO)

XXXX XXXX has failed to verify that this is my debt. They have chosen to close the account because they were unable to validate. This needs to be removed from my credit report ASAP as it is not my debt and is holding up my mortgage loan.
Consumer complaint received 2017-02-28
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (CO)

Equifax refused to do a proper investigation regarding XXXX item in my account. Since 2016 I 've been contacting Equafax regarding this matter but the last ignored to conduct a proper investigation to verify the account. In my letter I specifically mentioned the statuary law that would make them investigate but every time they would say we did investigation and the account belongs to you and no details were provided.
Consumer complaint received 2016-03-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (FL)

Equifax IS NOT stopping XXXX Funding from improperly and illegally showing a collection action that DOES NOT exist, and that was already remitted before they purchased a BULK File from XXXX. 

XXXX and Equifax , HAS BEEN notified in Certified and Traceable Mailings to Cease their negligent, Willful, and Illegal activities, but they have refused to correct the errors and STOP XXXX from using their services.