davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-10
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 (TN)

I am complaining about Venmo. I opened an account and in order to send money, a bank account or debit card must be linked to your Venmo account. I tried to link my bank account the first time on XX/XX/2022. It was declined, raised a red flag and my Venmo account was frozen. I contacted support who asked me to upload my photo ID and bank statement showing the account number and a recent transaction. I did that and was told my account was unfrozen and that I could add my bank account now. The same thing happened when I tried again. I contacted support and went through the same process just explained several more times. Screenshots of all email communications are attached. They tried to say it was just my bank account that was the issue and suggested I try another card not associated with that bank account. I tried two other debit cards not associated with my bank account and got the same result. 
My case was escalated to someone else after many failed attempts. Their final response was that their system is declining my attempts to link my bank account and debit cards and they can not override the decline. This is absolutely ridiculous. I have my bank account linked to many other payment apps and have never had a problem like I have had with Venmo. I use PayPal, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXXy, XXXX XXXX, XXXX payments, etc. My cousins XXXX XXXX XXXX daughter just passed away from XXXX and donations for the memorial fund were being collected through Venmo and I wanted to donate along with the rest of the family. I was the only one in my family who had an issue. I feel like Venmo does not care and that is no way to treat a customer. There has to be something they can do. I have never had to jump through so many hoops to try to use a service before.
Consumer complaint received 2023-02-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Berlin-Wheeler, Inc. (Kansas) (AR)

i moved from my address in XXXX XXXX to a new address XXXX. I called XXXX XXXX in XXXX XXXX XXXX to transfer the service, everything was set up to transfer and I moved to my new address. In XX/XX/2021 I started to get calls that I owed a bill for XXXX XXXX XXXX. I called my account and it showed XXXX $ owed. so i called cox and they advised that my services at my old address was still open and they made a error in setting up my transfer. They set up a new service account and left the old one open, they advised me they had fixed the issue and credited all the unused services at the old address closed it. I just recently received a report on my credit appthat cox as filed a derogatory mark on my credit for none payment. I attempted to call and get the matter resolved, and they did with to do so. I advised they can pull the own recorded calls and the notes from my full account should show when i moved and the errors in the account set up. They still refused to removed the mark. 

I notified berran wheeler by letter that this was not my debt and I disputed it. And to no longer reach out to me. They have continued debt collection efforts and will not validate the debt with XXXX XXXX.
Consumer complaint received 2019-03-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (CA)

I am on the Public Student Loan Forgiveness Plan, and using the Pay As You Earn option so my payments qualify. XXXX is my servicer. I have three main issues : 1. I have to manually enter all my payments to specific loans, otherwise the loan company applies my payment only to the lowest interest loans, thus making it so my loans will NEVER be paid in full, no matter how many payments I make. This seems illegal. 
2. I had to re certify my payment plan and PSLF a few weeks ago, and my payment has gone up over {$200.00} per month. They are saying it has to do with our XXXX going up, as well as my husband 's student loans being paid down by the XXXX. I spoke to a representative to see about options on XX/XX/XXXX, and even though I did NOT approve it, I had a letter stating that my loans were placed in forbearance on XX/XX/XXXX. I don't know how they are allowed to do this without my consent, but they did. 
3. I have been in the public sector since XXXX, yet XXXX is saying I only have 19 payments so far. I've asked them and they're answer is partially because some of my payments didn't qualify because I was on the wrong payment plan, and that the payments under my current employer aren't counted until I have an end date. I had said numerous times that I was in the public sector, but was never informed that my payments would not qualify on the old payment plan.
Consumer complaint received 2024-03-02
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC. (MO)

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 XXXX XXXX XXXX XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I have the right to privacy. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 

This company told the CFPB that they followed procedures an provided correct information which was not proof of verification and validation the account they only mailed me a copy of a bill that supposedly had my name on it. They did not showed me any documents were I signed a contract or made any business arrangements with them which is another violation of the FCRA laws. 
Down below are the documents they mailed me and me also showing how they reporting inaccurate inaccurate on my credit file which is damaging my credit and my life.
Consumer complaint received 2023-02-01
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: NCB Management Services Inc. (GA)

After reviewing my consumer reports, I noticed this account NCB Management Service Inc. I have not received any goods or service from this company : nor have I ever done any business with the company. I am unsure of how this company illegally obtained any of my information as far as my name, ssn, and DOB. As I know that only a contract/signed agreement between NCB Management Service Inc. and myself would make me legally bonded to any debt that they may claim. I am very sure that I have never provided any wet signature or provided any of my personal information to this company or any agreement. 

I continue to receive emails and phone calls from this debt collection company.
Consumer complaint received 2022-04-26
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: JPMORGAN CHASE & CO. (GA)

I am a long time customer of Chase and I have a credit card with them that was used fraudulently. There were four charges made at XXXX around XX/XX/XXXX that I did not make. When I saw these charges I notified Chase about this and they did a dispute review for fraud. When the dispute was over they only gave me credit for one of the charges but not all four charges. This doesn't make sense to me, if all these charges were made on the same day at the same place ( XXXX  ) how does Chase only agree one of these are fraud? This is also a credit card, per the terms and conditions when the credit card is used without my knowledge if I report it within a timely manor ( which I did ) they aren't supposed to hold me responsible. I also have XXXX so when the bank denied my fraud claim I got XXXX involved. We called Chase on XX/XX/XXXX, they said they will open another dispute, but also admitted to throwing out supporting documents that XXXX sent them on my behalf. This is so frustrating as a customer that Chase would throw out documents that come from them. I have signed off on Power of Attorney for XXXX to do follow-ups on my behalf and they have a copy of that, they aren't honoring the Power of Attorney or accepting documents from XXXX. Chase is also convinced that my child or husband is doing this. I assure they are not, they have their own cards to use, they don't use my account. Chase also doesn't understand that SKIMERS are out there to steal people 's account numbers and make counterfeit cards. Chase claims the chip was used for these purchases, therefore I did them, AND I DID NOT DO THIS. I am requesting this be documented and looked into further for unfair business and banking practices.
Consumer complaint received 2019-03-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (FL)

In re account : XXXX XXXX XXXX XXXX Enclosed you will find two checks : one in the amount of {$92.00} ( the original XXXX XXXX XXXX  purchase ) and the other for {$160.00} for fraudulent and usurious charges related to the incompetence of XXXX XXXX XXXX and Synchrony Bank.

Under protest, these checks satisfy the unprofessional and incompetent actions of all parties.

To review the events leading up to this incredible circumstances : 1. I purchased {$92.00} worth of merchandise at the XXXX XXXX store in XXXX XXXX XXXX OH in XX/XX/XXXX.

2. At checkout, the clerk asked if I would like to have an XXXX XXXX   credit card since it would give me a discount on the days purchases.

3. I agreed and the XXXX XXXX  clerk filled out the application on her computer. That apparently included my address in Florida, and I included my condominium unit number. Without the unit number, the Postal Service can not /will not deliver mail. Apparently the XXXX XXXX XXXX   clerk failed to enter the entire address.

4. At some point in the XXXX XXXX/Synchrony Bank billing process, there was a failure to include my condominium unit number ( see attached bill and highlights ) 5. Due to XXXX XXXX/Synchrony Bank failure to include the condominium unit number, the Postal Service did not/could not deliver the bills from XXXX XXXX.

6. Consequently, I could not pay bills that I never received.

7. Beginning in XX/XX/XXXX I began to receive calls from XXXX XXXX XXXX XXXX. that I had an outstanding balance due Synchrony Bank.

8. I immediately called Synchrony bank ( a singularly frustrating process in itself ) and was told that there were no outstanding charges with Synchrony Bank. Synchrony Bank could not/did not identify their relationship with the XXXX XXXX credit at that time.

9. At that time I assumed this was another internet scam and did not respond to XXXX.

10. Subsequently, in XX/XX/XXXX I received another call from XXXX   about a past due amount that had been turn over for collection. I again called Synchrony Bank and this time was told this was related to unpaid XXXX XXXX  charges.

11. I sent a letter on XX/XX/XXXX ( copy attached ) to XXXX XXXX  outlining the issues and requesting confirmation of the bills. I received these on XX/XX/XXXX. As you can clearly see from the billings, there is and was no apartment or unit number on the bills the result of which is that I never received the bills. Once again I called Synchrony Bank and talked with an offshore representative ( in XXXX ) and he indicated that he could do nothing since Synchrony Bank had turned the account over for collection. A clear error in business practices on the part of XXXX XXXX and/or Synchrony Bank.
Consumer complaint received 2021-10-12
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (NC)

Name of Company : Nelnet Account Number : XXXX I enrolled in and have been a member of Nelnet 's Income Based Repayment Program since I graduated college where the amount owed per month is XXXX dollars. I re-enrolled in the program via phone where again my monthly payment was XXXX per month. for 12 months in XXXX XXXX and again in XX/XX/XXXX which was one month prior to the reported late payments. XX/XX/XXXX I enrolled in covid relief via phone as I suffered a job loss due to XXXX. I frequently called Nelnet asking why I was receiving late notifications and I was told their system was down and the account would be updated, however it never happened. Once I saw it on my credit I requested that the phone records be produced and Nelnet has yet to produce them. I called again recently requesting help and I was told yet again that their system was down and they are unable to assist me. This is extremely unfair to me as a consumer and it has severely impacted my credit.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
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 XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-04-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (CA)

On XX/XX/22 I filed a dispute with my bank for {$73.00}. The reason for this is I was scammed through XXXX XXXX and I had reached out to XXXX XXXX 1st and they told me since I didnt receive the products I paid for I would have to dispute it with my bank especially because the person was refusing to send a refund or send what I paid for. Yesterday after contacting the bank for a update in my dispute claim I was denied. They wont let me open rebuttal claim and say there was no error which I dont understand because its an error and I should have my {$73.00} back.
Consumer complaint received 2020-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Dovenmuehle Mortgage, Inc. (NC)

XXXX  resolved a mistaken dispute that was verified as accurate by both myself and the lender, Dovenmuehle. Now that account is reporting, it's missing information. Such as loan balance, and payment history. Please update missing information.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OH)

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-26
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC (PA)

This was not sent in error XXXX XXXX XXXX consumer by law XXXX XXXX XXXX XXXX XXXX XXXX  misused at XXXX I have some false at not 100 % accurate XXXX XXXX XXXX. Unauthorized use of my credit report. 

Here again is the incorrect information being reported : FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX This Account is inaccurate and I'm seeking litigation. Please delete at once.
Consumer complaint received 2021-02-11
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: CAPITAL ONE FINANCIAL CORPORATION (WA)

I signed up for XXXX XXXX and it is showing me all my hard inquiries. I have never applied for a capitol one card or went to a car lot to get a car in my name.
Consumer complaint received 2021-02-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: U.S. BANCORP (MO)

We are a 100 % XXXX  owned XXXX XXXX. We had to wait until other XXXX businesses got a loan due to us having a account with us bank. When it was time to apply we were told we would receive a response within 3 days and did not. When we did we got another response that said 10 days. It has now been 14 days and we still have not received a reply from us bank.
Consumer complaint received 2020-07-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I was shocked when reviewing my credit report and found a late payment on the dates below : 30 days late as of XXXX 2019 XXXX XXXX XXXX XXXX  XXXX My accounts are set up on automatic withdraw. I believe I made my payment to you when I received my statements.
Consumer complaint received 2021-10-12
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NY)

XXXX XXXX  XXXX XXXX DIED, BUT XXXX XXXX IS ALIVE I, XXXX XXXX IS SON GETTING GUARDIANSHIP, ( HAD FAMILY PROBLEMS WITH SIBLING, ETC GETTING INVOLVED ) CAN NOT FORECLOSE IF SHE LIVES THERE!
Consumer complaint received 2020-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

After reviewing my credit reports in XX/XX/XXXX, I requested assistance in resolving continued negative credit bureau reporting that my loan is both 120+ days late, in collection or other negative reporting, all while being discharged under the TXXXX XXXX XXXX XXXX ( XXXX  ) in XX/XX/XXXX, with a current XXXX balance due indicated. 

My XXXX  XXXX XXXX account, listed by the credit bureaus, continued to report false information, while the credit bureaus claim is the direct results of updates from XXXX  XXXX XXXX. It is being reported that my account is 120+ days late in XXXX ( XXXX  ), after the XXXX XXXX  XXXX XXXX ( XXXX  ) discharge process in XX/XX/XXXX. 

My U.S. Dept of Edu account, listed by the credit bureaus, continue to report false information, while the credit bureaus claim is direct results of updates from U.S. Dept of Edu. It is being reported by Transunion, XXXX  & XXXX  that my account is 120+ days late in XX/XX/XXXX. The XXXX  status under XX/XX/XXXX is " CO '' and under XX/XX/XXXX is " 120 ''. All of this, after the XXXX XXXX XXXX XXXX ( XXXX  ) discharge process in XX/XX/XXXX. 

After attempting to find a solution by contacting numerous entities, I was unable to achieve a clear or timely response as to the responsible department ( s ) for reporting a veterans credit status, post-approval of the XXXX XXXX  XXXX XXXX ( XXXX  ) discharge process. 

Offices contacted include : Dep of Edu XXXX XXXX XXXX XXXX ( prompt XXXX w/SSN ) XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Unit XXXX XXXX XXXX XXXX ( prompt XXXX w/SSN ) Debt Mgmt XXXX XXXX XXXX XXXX ( prompt XXXX w/o SSN ) I look forward to this matter being completely resolved by the immediate correction/update to my Transunion, XXXX  & XXXX  ; where this reporting is in error. 

Respectfully, XXXX XXXX veteran Thursday, XX/XX/XXXX XXXX
Consumer complaint received 2021-02-11
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. (NY)

Experian refuses to change the date that a old charge off is to be deleted from my credit report. They will not even look into it. XXXX  and XXXX  have fixed it. Nys law requires paid charge offs to be deleted after 5 years not 7. Experian refuses to do this with a paid XXXX charge off I have. Attached you will see the information I see.
Consumer complaint received 2019-03-13
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Caneel Capital, LLC (CA)

On or about XX/XX/2019, my mortgage bank posted notice of trustee sale on my door. I have done everything up until this time, that was asked of me by the bank in a timely manner. I have in good faith worked with my bank to prevent losing my home and ensure prompt payments. However, the bank appears to not have worked with me in good faith and has dismissed and denied my request and my circumstances. I have informed my bank that I am a XXXX. The bank has ignored my communications and has not been transparent with the entirety of the process.
Consumer complaint received 2017-12-12
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. (MO)

I called XXXX Navient told them I was being double billed. They told me I wasnt. I pulled 6 months on payments available to me online - I was never late. Called back XXXX - asked Navient why I had to pay double then and addironal {$30.00} to get my account to zero! They could n't answer questions talked circle. Said I was two days late XXXX of XXXX. Why would my billing be fine till now and there is a 15 day grace period which it was paid within 3 days - talked more circles. Now I have paid $ {$250.00} for a XXXX payment that should only be {$110.00}. They sent me and email today stating only {$100.00} was applied to my account as of XXXX!!! For real! I have emails, bank statements, printouts from Navient website it 's not correct and when I call them they wo n't fix it.