davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-25
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: SYNCHRONY FINANCIAL (MS)

XXXX XXXX from XXXX wanted me to transfer funds starting at the amount of XXXX XXXX to as much as {$350.00} which he claims would be deposited in my father debit account XXXX I remotely provided debit card information no pin number however they also have my debit card information I'm do have our XXXX XXXX XXXX codes
Consumer complaint received 2022-04-29
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: CLGF Holdco 1, LLC (NY)

There are charges from XXXX and XXXX on my genesis card services account from XXXX totalling over XXXX. I have contacted both XXXX  and genesis several times and Noone seems to know what's going on. Im told I will receive a call and never get one. Mean time I'm paying XXXX a month when I should only be paying XXXX and it's affecting my credit score because of how high my income to debt ratio is higher. I don't know what else to do Noone is helping me resolve this issue that's been going on for months. Old card these charges are on is XXXX. A new account number has been issued since which is XXXX
Consumer complaint received 2022-01-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: EVERBANK, NATIONAL ASSOCIATION (MO)

My lender is TIAA Bank, the loan is serviced through something called XXXX. They are both utterly XXXX. On multiple occasions they have attempted to unilaterally change the terms of my loan without my consent. Among other things, they went out and purchased homeowners insurance at 4x the market rate and then attempted to pass that cost along to me ( I already had homeowners in place ). They mistakenly paid my real estate taxes even though it was not set up to be paid out of escrow, and then tried to use that fact to restructure my entire loan. And on and on and on .... 

I have attempted to contact them literally dozens of times to discuss and rectify this. Literally dozens of phone calls, emails and letters over more than a year. It is IMPOSSIBLE to get anyone on the phone. They purposely wall themselves off from borrowers to prevent anyone from engaging with them in a meaningful way. 

They are truly an ugly, XXXX, XXXX  organization and I hope they will be held accountable for their unethical behavior.
Consumer complaint received 2018-02-06
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (FL)

XXXX XXXX XXXX is collecting a debt that I am not aware of and the license number XXXX is expired to collect in the state of Florida the account number for this debt is XXXX .... 
The amount trying to be collected is XXXX I would like this collection to be deleted from my recent credit reports Last 4 of my social are XXXX
Consumer complaint received 2022-04-29
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # 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 an account without my written instructions
Consumer complaint received 2021-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (CA)

My Barclay XXXX  XXXX  credit card account ( XXXX ) was opened in XX/XX/2021. Since the opening the account, I did not receive any paper monthly statements or any paperless monthly statements ( i.e. email notification ) from Barclays Bank since XX/XX/2021. The only notification from the bank was a text message on or around XX/XX/2021 regarding the account. I immediately contacted the bank and was informed of the past due balance in the amount of {$49.00}, including late fee of {$39.00}. I immediately sent in the full payment in the amount of {$49.00}. The payment was posted on XX/XX/2021. 

Since Barclay did not provide any paper or paperless statements ( e-notification ) for the period from XX/XX/2021 to XX/XX/2021, I did not received proper notice of the amount due and the payment due dates. When Barclays reported that my account status was " delinquent and past due for 30 days '', such reporting was inaccurate. Had I received proper paper or paperless statements, I would have paid the outstanding balance before the due date. Based on the fact that no paperless statement was sent to notify me of the balance due date, the negative information reported to the credit reporting bureaus is incomplete and unverifiable information. 

I believe that it is unethical for Barclays Bank to report such negative information when the bank mistakenly did not send me any paper or paperless statements, to properly notify me of the outstanding balance and the due date. 

I have excellent payment record for the last 40 years. I always paid my balances on time, as long as paper statements or e-notifications are properly sent to me. Such negative information from Barclay is detrimental to my credit rating, with a substantial credit score drop of XXXX points, from XXXX to XXXX currently. 

Your prompt attention to resolve this matter is greatly appreciated. 

Best regards, XXXX XXXX
Consumer complaint received 2018-02-06
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (MI)

I've been in daily contact with Navient, XXXX XXXX, and XXXX XXXX since this past Thursday, trying to find my students loans. I've submitted a request for a hearing with XXXX XXXX with no response yet. I enrolled in a rehab program with XXXX XXXX and made my first payment to them 5days early only to be pulled from the program and told my loan was " recalled '' back to Navient. Navient says they do not service my loans. I'm in a never ending vicious circle and don't know what to do or who to attempt to repay. Until 2 years ago I was a single mother of XXXX with a job that was not paying well. I was able to eventually find a better job ( not even in my field of study ) with no help from my now useless XXXX XXXX degree. My wages are in garnishment and I currently receive XXXX dollar paychecks although I gross about 1000 biweekly. Between 200 and 300 are garnished for educational loans, I pay XXXX towards health insurance the government says I have to have, as well as XXXX for auto insurance the law says I have to have. I'm left broke by my choice of XXXX XXXX and clueless as to where to find my loans that I'm told are over {$28000.00}. I now spend my time calling loan servicers which send me in circles and are not forthcoming of the amount of debt they tell me I owe nor do so receive any statements of how the amount of debt came to be. The worst decision of my life was attending XXXX XXXX, it has ruined my life.
Consumer complaint received 2021-05-04
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. (CA)

There are 6 accounts that are on my credit report that do not belong to they are not mine I have not signed or approved these. They are not mine!!!! I have been disputing these since XX/XX/XXXX XXXX  XXXX XXXX - Acct # XXXX XXXX {$0.00} XXXX/XXXX  - Acct # XXXX XXXX {$2600.00} XXXX XXXX XXXX XXXX - Acct # XXXX XXXX {$21000.00} XXXX XXXX XXXX  XXXX - Acct # XXXX XXXX {$9900.00} XXXX XXXX XXXX  XXXX - Acct # XXXX XXXX {$0.00} XXXX XXXX XXXX  XXXX - Acct # XXXX XXXX {$0.00} INQUIRIES Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XXXX XXXX  XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX/XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX/XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX/XXXX  XXXX XXXX Date : XX/XX/XXXX Reason : I don't recognize this inquiry
Consumer complaint received 2018-02-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (MN)

I had my card number stolen. Upon speaking to a representative that contacted me they informed me that they would just send a new card and that nothing was ever charged. As a result, there was a charge. Now they are requiring a police report, which was not what I was told. This is a simple lie to a customer and I have it recorded. I am leaving for an extended vacation and they said that this has to be done in two weeks. I understand that the rep was " not trained correctly '' but that is still lying to a customer. 

The representative stated that the charges were all stopped. 

All my cellphone calls are recorded in compliance with Minnesota State Statute.
Consumer complaint received 2018-02-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

My name is XXXX XXXX. 
I am requesting Capital One to correct the mistake that it made, and remove the hard inquiries on my credit file that were performed in XXXX and XX/XX/2018. The timeline of the events is as follows : I have received in XX/XX/XXXX a " You already pre-qualified letter for the XXXX XXXX, reservation # XXXX and access code : XXXX. 
Signed by XXXX XXXX Senior Vice President, XXXX XXXX P.S. Don't miss this exclusive offer. Get the NEW XXXX Card and watch your points add up! Reply today. 

Since I already have 2 credit cards with Capital, I wanted to make sure a third application will be favorable, and therefore I called Customer Service and I was rest assured the application is pre-approved and it would be no problem to apply. I have also stated to the Customer Representative that I have changed my address from XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX to XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX, and again the representative stated it should be no problem with the application. 

After the conversation with Capital one representative, I have temporarily removed the security lock on my credit file, and completed the application on-line for the XXXX XXXX, and I have received the message that I am conditionally pre-approved and I must call for more details. In the call, the Capital One Customer Rep stated I need to send additional information about my identity to prove that I am the person making the application. 

I have noted that Capital One have accessed my credit file, and made 3 hard inquiries with all 3 credit bureaus. After the inquiry has been made successfully, the credit file security lock was activated again. 

As a response to the request, I have sent few faxes with all documents requested, but with no success received. I have called again multiple times to confirm if my documents were received, but Ive been told the Fax images are not clear and I must send the documents again and again. In total, Ive send 3 different faxes ( in color and black-white ) and also Ive mailed an envelope with copies of my documents. 

On XX/XX/XXXX and XX/XX/XXXX, Capital One has made unauthorized attempts to access my locked credit file, only succeeding with XXXX. 
The result was my application for XXXX XXXX was declined.I am very disappointed with the Capital One and the overall application process for XXXX XXXX. 

I made multiple calls, sent faxes and mail, and lost a lot of time trying to clarify what I was told to be a sure thing. Above all, I am perplexedly disappointed that Capital One made another ( unauthorized ) enquiries on my credit file, without asking my permission. 

I had applied for this credit card in good faith, however it was done under the false pretense that I was " pre-approved '' - in the end all I have got was 4 hard inquiries and a lot of frustration and time lost. 
Respectfully, XXXX XXXX
Consumer complaint received 2018-03-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Bridgecrest Acceptance Corporation (PA)

I brought a 2013 XXXX XXXX from XXXX XXXX  which I'm turn turned into bridgecrest and that's who I was paying the car note to I was on XXXX XXXX and it was traffic I came to a stop and when I went to put my foot on the gas pedal the car wouldn't move I did several things to get it to go finally it started to move slowly I made it home but mind u my children where in the jeep it could've been very deadly with big trucks and others cars if it wasn't traffic, I took it to thedealership and they explained to me the transmission had never been changed that the vehicle should never been sold to me in that condition mind u I had several problems where I had to take the jeep back because of them not having a new battery in the jeep and it stalling out on me and everything so basically I as sold a lemon I was told the trans would cost XXXX  amd bridgecrest claimed I still owed XXXX  on the vehicle I have a problem with that and then u won't correct the problem for me. I don't think that's fair or right to do to a consumer.
Consumer complaint received 2021-11-07
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: DISCOVER BANK (DC)

XX/XX/21 - Submitted online application for {$35000.00} personal loan ( XXXX {$870.00} monthly 8.99 % ) XX/XX/21 - Received denial on the bases of " Unable to Verify credit references '' Checked all credit reporting agencies and Discover had inquiries to all three reporting agencies with an XXXX credit score across all three XX/XX/21 - Sent a letter per the denial email to Discover requesting detailed information of the unverifiable references. 
Approx. XX/XX/21 - Received a phone call from a representative of Discover who stated that they could not give me more detail past the explanation in the letter. After being pressed, the representative held to the position that their could be no additional information released.
Consumer complaint received 2018-02-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (MD)

Account Name ERC Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$1300.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$1300.00} Balance Updated XX/XX/XXXX Recent Payment Amount $ XXXX Monthly Payment {$0.00} Original Balance {$1300.00} Highest Balance {$0.00} Terms 1 Months On Record UntilXX/XX/XXXX
Consumer complaint received 2021-11-07
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: Experian Information Solutions Inc. (DC)

Fraud department for each bureau has been called several times in regards to someone breaching my SSN. Each bureau assured me that they would remove the inquiry for XXXX XXXX off of my credit report. This inquiry is still reporting and has shaved points off of my score for the hard inquiry. I even put a freeze on my XXXX account back in XXXX and the agent never actually successfully froze my account. This inquiry is not attached to an account. I spoke with XXXX XXXX as well for removal and was informed it would be removed almost a month ago. 
I DID NOT RECENTLY OPEN AN ACCOUNT WITH XXXX XXXX THIS ACCOUNT INQUIRY DOES NOT BELONG TO ME!
Consumer complaint received 2021-11-07
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc. (FL)

On XX/XX/2021 I placed an order with XXXX and paid with my XXXX.XXXX  prepaid Visa card. The order amount was for {$26.00}. However, when I checked my account history at XXXX I saw that {$31.00} was charged to my card. I called XXXX on the same date, XX/XX/XXXX, to inquire about this. I spent close to an hour on the phone with them but they could find no record of a {$31.00} charge and suggested I reach out to XXXX 

I called the customer service number for XXXX, XXXX after hanging up with XXXX. At that number there is no option to reach a human being. I tried every option they had but could not get a live person on the phone, and none of their prompts were able to help me with this issue. 

Thinking that maybe there was some other fee that XXXX could have charged me I consulted their fee structure for the type of card I have. I saw the {$1.00} transaction fee that I already knew about and was charged to my account separate from the {$31.00} charge but XXXX has no other listed fee that would explain the missing money. {$5.00} is not an amount typically used for a fee anyway. 

My complaint is against XXXX, but am not specifically sure what I should complain about. I do not know if they charged me a hidden fee of {$5.00} or not because I can not get them on the telephone to ask about this. I suppose my complaint is that they do not have live customer service nor an option to dispute a charge on an account, and also that they potentially charge hidden fees. 

Somebody charged me an additional {$5.00} and I want to know who and how this happened, but XXXX has no live customer service. That is not a good way to do business.
Consumer complaint received 2024-05-07
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

My XXXX opened a small business account with Capital One several years ago on behalf of my company. She only made herself signatory. She passed away in XX/XX/XXXX. I contacted Capital One about changing signatory on XX/XX/XXXX. They told me they could not change the signatory and had to close the account ( sounds ridiculous ) and to send in a bunch of paperwork including death certificate and signatory change forms. On XX/XX/XXXX I had heard nothing, so I contacted them again. They told me to send in all the same paperwork. I heard nothing again and called them on XX/XX/XXXX. They said they couldn't talk to me since I didn't have signatory status and someone would call me. I did get a check on XX/XX/XXXX and sent it to a new bank to open an account. When the new bank presented the check to Capital One on XX/XX/XXXX, Capital One told them to Return to Maker ( for a check Capital One wrote themselves ). I talked to Capital One today and they said they can't talk to me about it and one of three departments XXXX contact me. 

I have been on the phone with Capital One for six to seven hours now and each time the supervisor ( second level support ) tells me there is no one else at a higher level that will talk to the public and there is no one else to call. I have to wait and hope someone from one of three unnamed departments calls me. That was the same promise I got in XXXX. 

I feel like I am out over $ XXXX plus interest and will never see the money due to the run around and broken processes at Capital One. Or maybe they are highly effective processes for stealing people 's money.
Consumer complaint received 2021-11-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (NC)

I sent out dispute letters on XX/XX/2021 Which was over 30 days ago to LVDV FUNDING LLC, my complaints was to have debt validated and proof to collect debt in my state. I have never had an account with this complany. I have ask for proof of my wet signature and this company has yet to provide that. 

I also sent a second notice on XX/XX/2021 which also was well over 30 days ago. Failure to provide proof also. I have not heard from this company since then. XXXX is also reporting this information inaccurate information after disputing with them multiple times. They also have failed to provide me proof.
Consumer complaint received 2021-11-07
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: OneMain Finance Corporation (GA)

My identity was stolen by my brother. I alerted you all of this. I filed a police report, placed freezes on all credit bureau 's. The initial response was that an investigation indicated that the account did belong to me and there was no evidence of fraudulent activity on the account. Your company is right about the owner of the account. However, my personal assistant at the time, my younger brother, had access to my financial data. As apart of his job he ran errands for me that included him making purchases. Running to get me coffee, buying a piece of furniture my interior design business, etc. He had access to most of my accounts. This account was a major account that he had access to. I urge you to remove this derogatory remark from my report as I continue to work with the FTC and local law enforcement to protect my identity.
Consumer complaint received 2021-11-07
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Payward Ventures Inc. dba Kraken ()

On XXXX I deposited approximately XXXX XRP ( Ripple ) in the Kraken exchange account identified with public ID XXXX XXXX XXXX  XXXX ( you can see deposit details in the attached file ) My deposit is listed as " on hold '' for more than 3 Months and I have completed all of the verification levels. and my withdrawals are suspended. I created a ticket to deal with the problem # XXXX. No representative of the exchange has contacted me to try to resolve the problem. I have made multiple phone calls and was only told " to watch my email. '' Please Help me. 

my E-mail XXXX XXXX
Consumer complaint received 2021-11-07
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc. (NY)

IC systems added a collection to my credit report in the amount of {$5800.00} with date opened date of XX/XX/2021. I monitor my credit report every month and have never seen this collection. I was never contacted at my phone number or address for this collection either. I'm in the process of closing on a home and I feel they did this on purpose to extort money from me. Literally, I'm days away from closing on my dream home and this random collection pops up out of nowhere delaying everything and running my dreams. I've contacted them directly and of course, they do not respond. How can the credit bureaus get away with this! Apparently, XXXX and XXXX just took their word for it too. They also added a remark " Affected by natural disaster '' what does that even mean?