davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I have banked with Capital One for roughly 2 years. This morning for the 3rd and FINAL time in the last 2 years I attempted to use my debit card only to have it be declined. After several more attempts I broke down and called their customer service. For the third time I was informed that my debit card was stopped/canceled over suspected fradulent activity 0 notice was given. No email. No phone call. No letter. Nothing. Just canceled. And not only did they cancel it, but on the 2 previous occasions that they did the identical thing. I specifically told them DO NOT flag, or do anything else with my card. If I somehow get my card stolen for the first time in my 35 year life I promise Ill give them a call. Otherwise, if I go to use my card. It should work. Every single time. Seems like a pretty simple concept. But apparently thats just too much to ask. So after sitting though 20 minutes of hold time. And another 10 minutes getting a card sent. I hung up thoroughly angry. I set out to open a new account elsewhere and I when i opened my email I noticed a message from capital one stating I could get their mobile app and have access to a digital copy of the card being issued to use online. WONDERUL I thought! Exactly what I needed. I hurried. Downloaded the App and started searching. 20 minutes, multiple XXXX  searches, and 0 progress later I again called. Thinking surely Im just missing it. 20 more minutes on hold. I explain the situation to the representitive. I tell him i received the email. I go over step by step on speaker opening the app. He then puts me on hold for another 10 minutes. Gets back on the phone and informs me, This is a pilot program and we believe you recieved the email in error. You arent eligible or able to get the card information online. So 2 hours of my time GONE. Over sheer incompetence with 0 fault of my own. The policies are a joke. The website is so incredibly jumbled and unintuitive to navigate. And as if to mock me, I was selected in error to get my card.
Consumer complaint received 2018-01-02
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. (FL)

I have written to Experian, XXXX and XXXX regarding an account they have published on my credit report from XXXX XXXX XXXX. I have gone through the proper channels of disputing this account and have only received a " account verified '' response from them. I DO NOT NOR HAVE I EVER had an ACCOUNT or CONTRACT or anything of the sort with XXXX XXXX XXXX and therefore DO NOT OWE this company ANY debts. Experian, XXXX and XXXX have FAILED to properly investigate the validity of this claimed debt that is damaging my credit.
Consumer complaint received 2018-01-02
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (NE)

I received a letter from Citibank ( which I found out later is Sears ) stating that due to an agreement between Citibank N.A. and certain of its subsidiaries and the CFPB, I am due a refund of certain fees previously billed to my account for a discontinued credit monitoring program previously offered by Citibank. This amount is {$120.00}. This is for people that were enrolled between XX/XX/XXXX and XX/XX/XXXX. First of all, I have not even had a Sears credit card for @ 10 years and they stated that they applied the amount to my account. Friday, XX/XX/XXXX, I called the toll free number on the letter to see if I could just receive a check, since I no longer have this card. I was transferred AT LEAST 6 times, each time being on hold for AT LEAST 5 minutes. The first person I talked to said it was a Sears card, and gave me phone number XXXX to call, which I did. They did n't seem to know what I was talking about, and transferred me to another department. They did n't know anything either, so I was transferred again. AND THIS WENT BACK TO THE FIRST PERSON I TALKED TO. I believe her name was XXXX. She then had me talk to XXXX? who gave me the phone number XXXX, # 4. This took me to probate, which I guess you only call them if someone is deceased. Then they transferred me to someone else, who transferred me to a 3rd party administrator by the name of XXXX. They informed me that they applied to the account because I still had a balance. How can that be if I have n't had the card for years? I asked them this, and I was told there is nothing to be done. I was so frustrated by then, having been transferred numerous times, being on hold each time, and by spending almost an hour on the phone, that I told XXXX that they could stick the money ... ... .Normally, I would n't say something like that, but I WAS SO FRUSTRATED!!
Consumer complaint received 2021-04-22
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 scam on my credit report and Experian said to contact said vendor see below. 
XXXX XXXX  phone number XXXX XXXX XXXX tell how in XXXX XXXX name that's possible.
Consumer complaint received 2019-10-28
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ad Astra Recovery Services Inc (CA)

I have an unverified account from Ad Astra Recovery. I had previously disputed this account. I have never done business with Ad Astra Recovery. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that Ad Astra Recovery provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account.
Consumer complaint received 2022-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2022-01-05
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. (PA)

I am writing this letter to simply delete the following information in my credit file. The items I need deleted are attached. I am a victim of identity theft and did not make those charges. I ask that the items be deleted to correct my credit report
Consumer complaint received 2018-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

After reviewing my credit report, I found that my account had a medical obligation from XXXX  XXXX XXXX, XXXX for {$210.00}. I am very aware of any payments that are due and make timely payments, so I was shocked to see this account. 

I do not recall any contractual relationship I had with this organization and all of my medical bills are normally paid by my insurance. 

In my attempts to find out more from this organization, I found out that this company is not bonded in the state of Texas according to Section 392.101. It prohibits a third party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the office of the Secretary of State. XXXX  XXXX XXXX state that they are associated with another company but no designation of this fact is shown in the State of Texas database. Also the company failed to provide information supporting their claim. 

According to the FDCPA, the organization is to validate the debt, but I have not received the documents necessary to prove that this organization is owed the alleged obligation. I 've tried to work this situation out with the third-party collector and no information was forwarded. I needed to see an Exclamation of Benefits ( EOB ) and also a signed document showing proof of services provided to me. XXXX XXXX XXXX, XXXX failed to provide the information but it in violation by ruining my credit by putting on my credit report an unsupported tradeline. I tried to get information from this organization via the Better Business Bureau and received no information to this date. 

I request that XXXX, XXXX and Transunion remove this tradeline from my credit report as the organization in question has not provided information to support their claims of indebtedness, collection, or ownership.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

This is a complaint that this company is in violation of the FCRA. On XX/XX/year> I made my third attempt at requesting the method of verification from this company, to which each time my request has been ignored and unanswered. This is a clear violation of the timeframe allowed by law. As a result the account in question is inaccurate, incomplete and can not be verified so please delete this item in accordance to 15 USC 1681i ( 5 ) ( A ) ( I ). The account is question is Department of education student loans to which each account reflects 6 late payments 0n 7 accounts.
Consumer complaint received 2018-03-26
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: Santander Consumer USA Holdings Inc. (CO)

We turned in the XXXX XXXX XXXX a week early on XX/XX/2018. At the time of returning the vehicle, we forgot the 2nd key to be returned. We were told to bring it back as soon as we could with no deadline outlined or fee discussed. We returned the key some time in the middle of XXXX and yet were sent a bill for the disposition fee, exterior damage ( which did not exist and has since been waived ), and a lost key. XXXX XXXX told us to have the dealer email XXXX to confirm the key had been turned in. They did so. Upon calling back in 6 days after that email to confirm that the account was all paid and resolved, they claimed to have not received the email ( which I can provide ). They then claimed that they could not ask the dealer for money and that somebody needs to pay them for this key, me or the dealer. I've done what was asked of me, and yet they continue to move the goalposts to demand payment despite our completion of our obligations and following of the dealer 's and their instructions to closeout the lease.
Consumer complaint received 2017-07-11
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: U.S. BANCORP (OH)

0n XXXX-XXXX-2017 i Purchased a 123 Rewards Gold Debit Mastercard ... Placed A XXXX Dollar Bill In Cash On The Card at XXXX XXXX, OH Where It Was Purchased ...
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Later That Day I Called The Number On The Sticker That Was On The Front Of The Card And Activated It ... Found Out During One Of The Phone Calls, That The Accounts The Card Originates From Is US Bank ....
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I Tried To Use The Card Twice For Transportation Expenses and It Kept Coming Back Declined ... When You Call And Check The Balance On It It Says The Entire XXXX Dollars Is Showing Still On The Card ... ....
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After A Few Phone Calls ... The Pretty Much Tell Me That The Card Cant Be Used To Pay Bills Or Be Used At An Atm ... .. They Force You To Shop Online With It .... A Total Fraudulent Scam Card Through US Bank .... They Need To Be Reprimanded For Stealing Peoples Money And Making It Nearly Impossible To Aquire The Funds Placed on The Card ... .. US Bank Needs To Be Aware That It Is A Scam To Issue A Debit Mastercard That Wont Work At Any Atm A Total Fraudulent Scam From US Bank ...
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

Im submitting to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any accounts listed on an id theft report. find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 
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 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
Consumer complaint received 2018-01-02
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (GA)

Yes, on XX/XX/XXXX, I sent a Goodwill letter to the CEO, XXXX XXXX XXXX, I explain to him that I was in a consolidation program back on XX/XX/XXXX, and my payments were being made on time, from the time that I started the program I received notices from the XXXX XXXX that my balance was XXXX, I was told during the program that for 1 year I would not own any money for my student loan, I never heard anything from the company that I did the consolidation with so that I could renew the program after that year. I received another statement from the XXXX XXXX XXXX, and it showed that I owed around {$750.00} for a monthly payment, well I was in shock, I tried reaching out to the consolidation company, but with no luck, they had went out of business, I reach out to another company, but in the mean time I was going into default with my Student loans. I sent the CEO a good will letter, because me and my husband want to purchase our first home in XX/XX/XXXX, I poured my heart out to him regarding the situation at hand, now I know that plenty of people have sent goodwill letters regarding their student loans reporting late on their credit reports, and the late payments were removed from their reports. I really need this because, we may not have a chance of purchasing a home with this showing on my credit reports. I received a letter back from supposedly the CEO, XXXX XXXX XXXX, and they refuse to remove it, now if your going to do it for other people, why could n't I have mines remove as well, I 'm not trying to get out of paying, I have joined another consolidation company, and my loans are being paid as suppose to as of this date, I was just asking for a little help to get my credit looking better, I do have the letter that was sent to be regarding their decision to not honor my request, I guess what I 'm saying is show favoritism for others and if you wo n't help someone who took the time to send a Goodwill letter to you regarding needing help so my family and I can become home owners.
Consumer complaint received 2017-12-30
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 (TX)

Capital One Will not allow external applications ( personal finance ), that I have granted permission to, access my financial data. I believe I have a right to allow my finances, and all the data that comes with them, to be accessed in a manner that I feel will benefit me the most.
Consumer complaint received 2017-07-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (AZ)

on XXXX/XXXX/17 I was on vacations in XXXX, XXXX I attempted to withdraw in a XXXX ATM ( Non Chase ATM ) {$90.00} DLS around XXXX XXXX. The ATM stated transaction can not be completed and gave my card back, I immediately attempted to withdraw at a XXXX ATM sitting next to the XXXX ATM i was trying. it did not work either so i called Chase to see if my card had any holds because i was traveling abroad. while i called chase i noticed on my cel phone checking the bank app that the 1st transaction was pending for XXXX dls, i told the guy on the phone the ATM did not dispense any cash so chase credited my account immediately, but on XXXX the credit was reversed claiming the owner of the ATM submitted proof the transaction went through, i asked for that proof and chase did not submit a copy to me. this proof is impossible since the ATM did not dispense the cash. This is totally unfair since the ATM did not dispense the cash.
Consumer complaint received 2018-01-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I opened a XXXX XXXX credit card with Bank of America in XXXX XXXX, which I 've never used. The card has a annual fee of {$20.00}. Between XXXX XXXX and XXXX XXXX I moved apartments, my official move in date was XXXX XXXX, XXXX. From XXXX XXXX XXXX Bank of America sent annual fee statements to the incorrect address. Finally, once I noticed the late payment on my credit report I contacted BOA and updated my address and immediately made a payment. I was originally told there should not be an issue getting this removed, but I 've made countless attempts to dispute this both through BOA and the credit bureaus to no avail. About 1-2 months ago I was told by a BOA representative that there was nothing they could do about this and I needed to directly contact each credit bureau. After speaking to a customer service rep at one of the credit bureaus I was notified that I should have never been directed to them and this is an issue that needs to be handled thru BOA. After several disputes, including one through XXXX which has an option to dispute via XXXX XXXX for statement sent to incorrect address please remove late payment, the only thing BOA continues to do is verify that the late payment is correct and no removal is made.
Consumer complaint received 2018-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I was a victim of the Inquiry issue with Transunion. I contacted them and asked to please remove the Inquiries from my credit report and they did nothing to assist me. This was today XX/XX/2018 Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-12-29
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. (FL)

The credit bureau is refusing to delete three collection accounts on my report that are not mine. They are all reporting under the same collection company called " XXXX XXXX XXXX '' for different amounts. The first account is for {$1100.00} with account number # XXXX and an open date of XX/XX/XXXX. The second account is for {$1400.00} with account number # XXXX and an open date of XX/XX/XXXX. The third account is for {$2500.00} with account number # XXXX and an open date of XX/XX/XXXX. I have spoken to representatives at this XXXX XXXX company and the records that they have do not match my personal information. I was directed to dispute these errors with the credit bureau to have them deleted from my credit but the credit bureau is coming back telling me that I need to contact them back. I am being given the runaround when the issue is really with the credit bureau who does not want to fix their mistake.
Consumer complaint received 2018-01-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (AK)

In XXXX of 2017, as a result of having sent a voluntary Public Service Loan Forgiveness ( PSLF )  employment certification form, my federal student loans ( $ 100k+ ) were transferred to XXXX XXXX. It took several months to complete the transfer, resulting in several months of payments that I could not make and could not receive credit for qualifying payments under PSLF, all while accruing interest. Once XXXX XXXX had set up my account, they had set it up incorrectly, not giving me credit for 12 months of eligible payments toward PSLF. I spoke with a customer service agent who acknowledged the errors made in my account and assured me that it was a result of " rushing '' to get my account set up and that it would be corrected. Now, 6 months later, while I have had my monthly payments auto-debited every month, my qualifying payments toward eligibility for PSLF has not been corrected, and has not been accruing as these payments are made. For 60 days I have been trying to reach a customer service agency at XXXX XXXX to no avail, when I call there is an automatic message saying to call back another time, their online chat feature is unavailable, and I have received no response to email.