davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I noticed there was a charged amount of {$500.00} on XX/XX/XXXX from a person that I did not know for some reason my Checking account information was compromised. 
I called to CAPITAL One and I spoke to their Supervisor and complain that there was a charged and I told them that I did not Authorized the charge or transfer money to this person. 
I got an email today- XX/XX/2024 and Capital one denied my complain- see attached email. 
This is very frustrating. I need help to get XXXX XXXX money.
Consumer complaint received 2020-08-19
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated (VA)

My name is XXXX XXXX XXXX Phone # XXXX Birthdate XX/XX/XXXX Last 4 numbers on card XXXX I have charges on my government unemployment issued card that I did not make. I had been diagnosed with Covid-19 and believe that it was used while my sister had someone taking care of my place. 
I've contacted XXXX at XXXX And the will not reimburse me due to me not being able to verify an email address but it wasn't my email address which is XXXX The charges are XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  phone # XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX phone # XXXX XX/XX/XXXX {$60.00} XXXX. {$40.00} XXXX {$35.00} XXXX phone # XXXX and XXXX They gave me a claim # and then said they could not refund due to me not being able to verify an email address or a gaming name ( name for online game use ) they also said That they can't stop the {$15.00} a month subscription to my card. 

All are for XXXX XXXX XXXX. {$19.00} XXXX. {$19.00} XXXX. {$9.00} XX/XX/XXXX {$9.00} x 3. ( Three charges ) XX/XX/XXXX {$9.00} XX/XX/XXXX {$9.00} XX/XX/XXXX {$15.00} XX/XX/XXXX {$15.00} XXXX {$9.00} XX/XX/XXXX {$15.00} PMTS CLEAR. Phone # XXXX..they said it's a dating site and the email address was not mine but said they issued a check to me on XX/XX/XXXX however I have not received it so they said they tried refunding my card on XX/XX/XXXX and it was denied. I don't think they even tried. 
XX/XX/XXXX {$39.00}
Consumer complaint received 2018-06-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (KY)

I was on an income driven repayment plan, based on my not working i didt have to pay anything. Then my recertification came up. I wasnt even sent a letter or aware that I needed to recertify it. After figuring out I did, i sent everything they asked only to be told I didnt check this box once then 30 days later I was told I didn't send in the right check stubs only to be told 30 days later I did. Got an apology and on they went. After calculating my husband 's income I now pay XXXX a month and have ever since they got it going again in XX/XX/XXXX. This is where my problem really begins. I was set up on auto pay and have made every single payment on time. Twice since XX/XX/XXXX I have been reported to the credit bureaus that my balance has increased 70 and my score has dropped over 100 points. I called to find out why. The first time they reported and dropped my score 72 points, They said it was because of the change in my payments. Well they just reported in XX/XX/XXXX again, that I have a 70 increase on my loan. Twice now. My score dropped 48 points this time. I called them to find out what I could do to stop this. They said they are showing no increase that I was wrong and refused to further help me. I called three times trying to get them to help me all they would tell me is send in a complaint and they'd respond in thirty days. I dont know what to do. I am making my payment they said to make, they said my loan is decreasing when I call, but they are reporting that it's going up. I am getting nowhere with them. My interest is at XXXX with them on a XXXX loan since XX/XX/XXXX. At this rate i might as well give up. I won't have any credit at all in two years time.
Consumer complaint received 2018-06-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PENNYMAC LOAN SERVICES, LLC. (TN)

We received an insurance claim check from our homeowners insurance to repair our roof. Our mortgage company Pennymac Loans will not endorse and release our claim check, while our roof is literally falling down around us. Ours is not an isolated incident. Pennymac is notorious for this practice. Class action lawsuits have been filed against Pennymac for this reason.
Consumer complaint received 2020-07-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (KS)

I recently filed a credit report dispute with all three credit agencies. I filed each dispute online, and asked for the results to be submitted to me online, when I completed each request. Equifax e-mailed me on XXXX that the results of my dispute were finalized, and provided me with a confirmation number and a link to log-in to my account to view the results of the dispute. When I did so, the link in my account under " Dispute Center '' did not work, and I was not able to see any information regarding Equifax 's findings. 

I called customer service. After a very long wait, I was told the dispute finding was NOT available on the website using my log-in after all, but the findings could be provided to me in another manner. I asked the agent on the phone to provide the findings to me in the manner in which I requested when I completed the dispute request to Equifax, which was online. I then had to ask about 10 times to be transferred to a supervisor or someone who could resolve what appeared to be a technical issue with Equifax 's website. I was finally transferred to another supervisory agent who told me the issue could not be resolved. 

All that I am asking is for the findings of my dispute to be provided to me online, so I can take the action necessary to address the findings in a timely manner. Snail mail is not a manner that fits my need, which I communicated to Equifax at the time the dispute was filed. 

I have included a PDF of the notification email from Equifax, and also a screenshot of the online " Dispute Center '' after I enter log-in credentials, showing there is nothing available to view regarding the status of my dispute and how it was resolved.
Consumer complaint received 2018-06-12
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc. (CA)

On XX/XX/XXXX, I informed the finance company ; XXXX XXXX that I was refinancing my home and that they would pay off the remaining balance of the vehicle. In XX/XX/XXXX, XXXX finally responded and sent me the wrong payoff balance for the XXXX XXXX. The title company tried repeatedly to get the correct balance to no avail. Finally, I XX/XX/XXXX, the title company sent me a hard paper check in the wrong payoff amount to which i sent to XXXX XXXXl, since the amount was wrong, I still owed a small balance and I paid that off in XX/XX/XXXX. In the meantime, XXXX marked me late 30 days for the month of XX/XX/XXXX, reported the late to the credit bureaus, then marked the account paid in full in XX/XX/XXXX!
Consumer complaint received 2020-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

This is my 3rd time trying to fix the errors of this alleged account. I wrote two letters both XXXX and XXXX of XXXX, but yet inaccuracies still remain. I have attached a photo proof below of the inconsistencies and inaccuracies that have been continuously verified. The date of last activity in different across three bureaus. Equifax shows XX/XX/2020, and XXXX  has XX/XX/2020 and XXXX  HAS NOTHING CHANGE! Please tell me how this information was verified by the same creditor but still report inconsistently across three bureaus? I have a right to an accurate credit report please delete this unverified inaccurate account immediately. 

Account Name : XXXX Account # XXXX
Consumer complaint received 2020-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (NJ)

I went to XXXX XXXX XXXX XXXX to get my credit report from all three agencies. 

XXXX stated " online delivery unavailable '', stating I had to fill out additional paper work to get my credit report. 

XXXX XXXX and Experian did not provide credit scores and had additional steps to retrieve these scores.
Consumer complaint received 2016-03-24
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: NCC Business Services, Inc. (TN)

I recently checked my credit report and discovered that this company has reported that I owe them a debt. To my knowledge this company has never sent me a letter informing me that I owe them anything. I was not afforded my rights under the FDCPA to validation
Consumer complaint received 2017-01-26
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: GREAT LAKES (TN)

I have Parents Plus loans that we 're taken out between XXXX. Loans were at 8 % and 8.25 %. Started repayment in XX/XX/XXXX. Went into Chapter XXXX bankruptcy in XX/XX/XXXX. Servicer, Great Lakes, put loans into forbearance. In 2 years accumulated interest became an extra {$20000.00}. I was not aware that this would happen and was not told by the servicer. I now owe a total of {$160000.00}. Some money is being paid through Chapter XXXX but it only goes to interest and is not enough so the interest keeps accumulating. I would like to refinance the loan at a lower rate but ca n't because Congress has to change the rules. I am almost XXXX years old. This loan will never be paid off. Is there a way to stop the accumulated interest at such a high rate. Is there a way to forgive that extra interest? I feel trapped. This feels like a mafia shakedown. I ca n't even discharge this in bankruptcy. Even after Chapter XXXX payment will be way to high. If I apply for Social Security, they will garnish that. Please try to do something about this. Thanks.
Consumer complaint received 2020-10-16
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc. (TN)

I was laid off an unable to pay. I receive 10 calls per day on each phone number on the account everyday. I have communicated with them and attempted to set a payment plan they offered, {$140.00} a month until the account is paid off. They modify what they are willing to accept as a repayment plan and change the terms. The calls continue and Im told they will only stop if I authorize a payment today, not when I agreed upon.
Consumer complaint received 2020-06-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (PA)

Our XXXX non profit just concluded a fund raiser with XXXX XXXX   XXXX through XXXX. We raised over {$4000.00} and I tried to set up electronic transfer and it will not go through due to some of the protocols at PNC bank. We have a business non-profit account. I called pnc bank and they told me it was because of their security measures and there was nothing they could do about it. This is frustrating. I should be able to set up electronic deposit of funds to my account.
Consumer complaint received 2024-03-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

There was a check of {$190.00} I deposited electronically into my checking account with Chase back in. XXXX That account was later closed but that check remained pending because according to Chase the picture was blurry and they couldnt verify the company. I tried to redeposit after opening a new account and I was told I wasnt able to. I still havent received that money. I called several times and was told to speak to my payroll department and to go to a chase branch as well as giving payrolls phone numbers to Chase in order to have them verbally confirm that check was issued to me. None of these options have helped me.
Consumer complaint received 2020-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I just paid down all my credit cards to 70 % level. My score went up by 14 points by 1st week of XXXX. Just checked it again today XX/XX/20 and it dropped 14 points. I have not used the cards again. I am just tired of the credit bureaus manipulating my credit scores.
Consumer complaint received 2020-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Recently I again unsuccessfully tried to have Bank Of America remove the incorrect entry on my XXXX credit report. Its been challenged numerous times, and BoA keeps saying its correct without any investigation. I didnt owe any money to BoAand was never late on any payment yet to date ( according to the XXXX credit report ) yet BoA repeatedly refuses to remove this. 

If this entry from 2013 were correct, it would also be on XXXX and XXXX, which its not. Ive worked very hard to rebuild my credit after I had XXXX XXXX XXXX and a divorce that caused the bankruptcy and now Im entirely fed up with nonsense. 

If this isnt taken seriously, my next step will be legal action. Thats not a threat, but a promise. Fix it now!
Consumer complaint received 2020-06-26
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: AMERICAN EXPRESS COMPANY (CA)

See the attached documents. Also, I attached screenshots of the previous options from steps one and two of this complaint process, because Amex is guilty of everything listed and it only let me select one option.
Consumer complaint received 2024-03-21
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO. (TX)

{$4300.00}, On XX/XX/year> I deposited a check via picture through the Chase app on behalf of my father I had his full authorization to do so. XXXX weeks later I call Chase to ask for the check status and I find out that my account is being closed for potential fraud and the check funds will not be released unless my father has a verified phone number. I asked if there was any way I could go to a chase branch with my father so he could present his Id and get it verified that way. The answer was no he had to have a verified phone number tied to his name. He has a phone number but the records dont show his name tied to his number therefore he cant get his funds. 
My father and I have tried opening new phone lines to see if we could get XXXX to his name but weve had no luck. They say if after XXXX years I can not get the check verified they will send the money to the government. I feel like this isnt fair to my father or me if the only way to verify is through a phone number l, it would be logical if we can visit a branch and verify it that way.
Consumer complaint received 2021-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (NC)

I was denied for a mortgage loan and came to find out there is a charge of account on my personal report from American express that I never remembered being a guarantor to. This has totally damaged my credit report and i have disputed this and nothing has been done. They are not able to validate or show any proof that I was a guarantor to this loan. 
This credit report shows the account was opened XX/XX/XXXX and was last reported on XX/XX/XXXX. It has a current balance of {$22000.00}. Original balance was for {$66000.00}. Their remarks states " Charged off as bad debt|Canceled by credit grantor. '' The account number is XXXX. This report can not not be possibly accurate base on the events even stated on the report. You can not report anything on anyone 's report if there is any errors. This has destroyed all my life of getting a home after having been working on my credit for years. This should totally be unacceptable.
Consumer complaint received 2020-07-13
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. (AR)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible.
Consumer complaint received 2022-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: OneMain Finance Corporation (IN)

One Main financial, and the credit bureas are deliberately reporting inaccurate information to damage my credit profile. I was never 60 days late on any payment as indicated by XXXX. You can not report of XXXX late without a XXXX late payment reflected. This is inconsistency in credit reporting, and deliberate act to sabotage my credit profile Also, One main financial has falsely claimed a XXXX late payment for the month of XXXX. Please see attached screenshot showing proof that the payment was paid before the XXXX XXXX mark. 

XXXX is reporting XXXX consecutive months of late payments, which again is inaccurate, and goes against the fair credit reporting act.
Consumer complaint received 2018-06-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ResidentCollect, Inc. (TX)

I left am apartment complex Account # XXXX XXXX XXXX XXXX, TX. Upon leaving i confirmed with the current management that everything was clean and no charges were due back in XX/XX/XXXX. XX/XX/XXXX i received from ResidentCollect, Inc. Collection notice for amount owed {$350.00} I requested documentation that this is my debt. No documentation was given to this day XX/XX/XXXX. This has been on my credit report all these years and i demand this be removed. This is not my debt and no proof that it is has ever been presented.
Consumer complaint received 2018-06-12
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

I have tried three times to transfer funds to a new Capital One account. Each time it never happens - this equals three hours of work!!!! I am furious! There is no one to email - you have to call customer service, be put on hold and told everything will be fine - they can't even EMAIL A CONFIRMATION! They will give you a bonus if you have a certain amount of money in a savings account, BUT THEY MAKE IT IMPOSSIBLE TO TRANSFER THE FUNDS! It is horrible!!!!
Consumer complaint received 2018-06-12
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)

I have a credit inquiry on my credit report that I have never applied for anything with XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX All Banks - non specific
Consumer complaint received 2020-11-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TN)

In XXXX, I had over {$270.00} in disputes on both checking accounts. I was instructed to send documentation on of before XX/XX/XXXX so that USAA could further investigate. I sent all documentation ( uploaded through the website XXXX XX/XX/2020. One documentation was for items I did not receive from XXXX XXXX. The other document was for ALL XXXX charges. On XX/XX/XXXX, I received a document from USAA ( in my account portal ) saying I would have additional time to upload documents. I thought that maybe they misread my previous documentation, so I sent it again on XX/XX/XXXX, XXXX uploaded to the website ) On the night of XX/XX/XXXX a received notification through the portal that USAA did not receive my documentation and all provisional funds would be withdrawn. I immediately called the next morning to attempt to speak with an associate in the disputes department. While I was on hold, somehow I was placed back into the que, got another associate and that associate stated she would send a message to the disputes/fraud team. Well the next day ( today XX/XX/2020 ) I login to my account to see that my is locked and being closed. When I called to speak to a rep. I was told that the fraud department feels that I am doing unlawful banking practices. From that, I gather that they feel that I am making false statements and/or claims to get money. This is not true. I did not receive goods/services from the merchants in question. USAA also states if you are having a hard time, please let us know. Well we are in the middle of a pandemic in which I have had a household member test positive for XXXX. This is not a game for me. Locking my mother, the joint owner out is not fair at all. She had nothing to do with any of this and now she doesn't have access to her funds to even get meds. That in itself is unlawful. THe least USAA could do is unlock the account so she could have access to funds.
Consumer complaint received 2021-05-22
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (FL)

Midland Credit Management is suing me for a debt that I have proved to them was fraudulent. 

They have failed to verify the debt but states that the debt is accurate. I requested a signed signature showing the debt is mine & they have not provided any proof of this. 

I attached a police report as well as an identity theft report. I'm also including the XXXX XXXX XXXX XXXX. 

Midland has been sued for failing to verify debts in the past ( which I have attached ) & they are failing to verify my debt.