davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-22
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

My fiancee, XXXX XXXX and I opened a savings account with Capital One 360 in XXXX of 2016. Since it was opened we have put over XXXX dollars of our money into this account for the purpose of a down payment on a home. About 2 months ago, I noticed a warning on our account saying the funds are not available for withdrawal. Both XXXX and I have called Capital One several times to get this resolved. They tell me it is on XXXX side of the account, so they can not do anything for me and for XXXX, they put her on hold for long periods of time ( as long as an hour in some instances ) and then drop the call sending her to voicemail. This is very uncharacteristic of Capital One, but we want access to our own money. At some point, we will need it.
Consumer complaint received 2023-08-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc. (TX)

I notice there was a collection on my credit report from Aargon collection agency. I contacted the agency to see what the debt was for and was told for an electric bill with XXXX  XXXX. I told them I've never had any utilities with XXXX XXXXXXXX and asked for validation of the debt because I've been a victim of identity theft numerous times. I was told there was nothing they ( Aargon Collection Agency ) other than make pay the debt or make arrangements. 
I called XXXX who called Aargon Collection Agency with me on the phone, Aargon Collection Agency told XXXX and myself that I would have to contact XXXX XXXXXXXX. I explained that not only was debt not my responsibility ( due to identity theft ) neither Aargon Collection Agency nor XXXX XXXXXXXX tried to contact me about the bill prior to putting a collection agency flag on my credit report. 
XXXX called XXXX XXXXXXXX with me on the phone. XXXX XXXXXXXX stated that I had opened up an account on XX/XX/XXXX to XX/XX/XXXX and that I owed {$880.00}. The account number is XXXX and at the address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NV XXXX. 
I explained to XXXX XXXXXXXX that not only have I never lived at that address but I never lived in XXXX. That account was opened under fraud, XXXX XXXXXXXX told me that they would send me a form to fill out and once I returned it they will investigate the account be fraudulent. 
Here is the other part of my headache. XXXX XXXXXXXX wants a police report, I've tried getting XXXX online with XXXX XXXX Police. Due to the nature of the fraud XXXX XXXX Police won't allow me to open up a fraud report online. The XXXX options XXXX XXXX Police was to physically go in person to XXXX XXXX and fill out a report or do a report with my local police department. I went to my local police department here in XXXX, Tx and was told I would have to do the report with the XXXX XXXX police department because the crime took place there. 
I honestly thought about flying there ( XXXX XXXX ) for a day just to fill out the report. However I don't have the time or the money to do that. XXXX XXXXXXXX also wanted a photocopy of my driver 's license, passport, XXXX of the following pay stub, utility bill or lease agreement. 
My issue with that request from XXXX XXXXXXXX is that they should have gotten that identity information and proof of residence BEFORE the account was open. Also with the ongoing nightmare of years of identity theft I do not feel comfortable sending out such personal documents. 
NV XXXX should file the police report, XXXX XXXXXXXX should reach out to the management of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX and see who was leaving and the identification they had when leasing the residence. Me having XXXX for years and with XXXX also contacting both Aargon Collection Agency and XXXX XXXXXXXX should let them both know it was not me that opened the that account.
Consumer complaint received 2023-08-10
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: EQUIFAX, INC. (FL)

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2023-08-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (CA)

So I deposited a check into my account and it cleared in 2 days, once it cleared I transferred money into my savings account then 2 days after that they then put a hold on that check and both my accounts, I've called the fraud department and they tell me go into the branch and talk to manager, I go into branch and the manager tells me I have to call fraud department, now they are telling me they are going I close both my accounts which is whatever the problem is I had money in my account before I deposited the check and they won't give me my money and now they are telling me it's going to be all the way until XX/XX/XXXX, it's already been 30 days since this originally happened and they won't give me any of my money, in now homeless and everything I've had set up through automatic payment is defaulted and I'm completely screwed. I don't know what I can do but this doesn't seem right in any way. Please help.
Consumer complaint received 2016-11-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Diversified Consultants, Inc. (KS)

On XX/XX/2016 at approximately XXXX, my mother in law contacted me to tell me that a bill collector called her and threatened to take her to court and garnish her bank account over a bill that my husband and I owe. We have never put our mother in laws name on any bills that we have. She was hysterical believing that this would happen over our bill to her. She gave me the following telephone number XXXX which I called finding out the company 's name is Diversified Consultants. I asked them why they would call an individual who is not on our account and disclose personal information at which time I was told that the individual responsible would be reprimanded and that the phone number was taken off of the account. I asked them how they got her telephone number in the first place since she is never on our bills at which time I was told that the individual may have looked at different phone numbers to find a family member. I was then asked if I wanted to take care of the past due amount where I flatly answered no.
Consumer complaint received 2023-08-09
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. (AR)

My name is XXXX XXXX, and I am an XXXX resident who consolidated student loans with my wife in XXXX. Ive been following the legislation to separate the consolidated spousal loans that President Biden signed into law in XX/XX/XXXXXXXX XXXX 

I have been patiently waiting for the Department of Education to issue guidance on separating these loans. Both my wife and I are public employees for sixteen plus years. We are eligible for Public Service Loan Forgiveness, especially now that the Spousal Consolidation Separation law is in effect. 

DOE has failed to provide any guidance on how to separate our consolidated loan and so we can transfer it to the DOE for PSLF eligibility. 

DOE has published a one-time IDR Account Adjustment for which I feel we qualify under the terms listed. However, because our loan is a spousal loan we can not complete the required steps because DOE has not provided the path to consolidate FFEL loans to XXXX XXXX
Consumer complaint received 2023-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference,
Consumer complaint received 2021-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have filed several disputes on removing this Bankruptcy that is NOT mine and everytime the dispute is complete, it shows that XXXX  AND TransUnion keep verifying a Bankruptcy on me that does NOT exist. I have a Letter from the U.SXXXX XXXX Bankruptcy Court stating that they do not verify anything that I have been having since XXXX of XXXX and I have a letter from XXXX stating that they have removed this off of my Consumer Report as of XX/XX/XXXX. 

NOW Both Credit Bureaus, Transunion AND Experian keep saying they were able to verify my bankruptcy as of XX/XX/XXXX and will not delete it off of my credit reports. Please help me, because both bureaus insist on keeping this Bankruptcy on my credit report and I want it off of Both my reports immediately! Thank you so much in advance. 

Respectfully Submitted, XXXX XXXX
Consumer complaint received 2016-05-25
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Advance America, Cash Advance Centers, Inc. (AL)

On Friday, XXXX XXXX, at approximately XXXX, I entered the location of Express Check Advance, located at XXXX XXXX XXXX., XXXX, MS XXXX and received an Advance Payday Loan in the amount of {$400.00} ( XXXX Dollars ). I wrote them a check in the amt of {$480.00}, on my legitimate checking and open acc't at my Credit Union . The next business day which was Monday, XXXX XXXX, 2016, I ret 'd to this same location to return and/or pay off the loan. I was not allowed to pay back the {$400.00} without paying the {$80.00} fee. This was also, done against my Wife, which I attempted to pay off both our loans. I was told that I had to do this kind of transaction on Saturday, XXXX XXXX, 2016. They have a sign posted in their place of business, stating that you can return or pay off the loan, without paying the fee if you do so on the next BUSINESS DAY. Saturdays, Sundays and Holidays are not BUSINESS DAYS ... .PLEASE CORRECT ME IF I 'M WRONG. I have been trying to call their Main Office and the Association that they are a member of since XXXX XXXX, 2016, and no one has returned my call nor answered my email to settle this matter ... The Loan is coming due again on XXXX XXXX, 2016, but I do not get paid until XXXX XXXX, 2016.
Consumer complaint received 2015-04-24
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A. (OH)

I had XXXX bank accounts with PNC Bank. I closed them in XXXX this year. I used online statements. When I went to access my statements they were no longer available and the bank wants to charge {$10.00} a statement.
Consumer complaint received 2023-08-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (VA)

On XX/XX/XXXX I initiated a transfer for {$1200.00} to my checking account at XXXX XXXX. The chase mobile app said the transfer would be completed on XX/XX/XXXX. 

On XX/XX/XXXX the money was still in my chase account and not in XXXX XXXX so I called chase and was transferred to fraud team. Fraud team sent a 2FA message, verified basic info and then asked me to hang up the call and call back as they could not verify.

3 calls to fraud and one visit to my local branch later, the branch instructed me that they could not close or modify my account due to the hold. 

Thankfully, I was able to empty out the account using XXXX, XXXX XXXX and XXXX to stop chase from stealing my funds and holding them XXXX during the complaint process. 

I would like Chase to close my checking account so I do not have to worry about potential fees. I saw an advertisement about banking with chase and got referred by my dad to open an account but I now realize that was a mistake.
Consumer complaint received 2023-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: JPMORGAN CHASE & CO. (LA)

XX/XX/2023 Received an approval letter which I didn't request nor applied for application. Days later received a credit card ( XXXX XXXX ) that I did not request nor applied for. Requested for the bank to cancel and completely close account and remove the account from my credit history.
Consumer complaint received 2015-10-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ERC (WI)

XXXX continues to send fraudulent debt charges to a new debt collector. I severed my service after working with their c/s to improve service outages, dropped calls and roaming when I was local. I worked with them by using new phones and repeater antenna. None of their failed solutions were successful so I was released by them from my service. I was not under contract any longer. I returned all phones, and paid my last bill. They are charging me for returned phones and service long after I had ported my phone numbers. I have contacted them, and each of the debt collectors by phone and in writing. They continue to harass and lie about the charges.
Consumer complaint received 2023-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (CA)

Paid amount owed in full per the statement + online statement transactions. 

Was charged {$31.00} in interest after fulfilling the statement obligation. 

I called customer service and they were unwilling to explain or document how I could have paid the account to avoid interest. I asked where it was on my statement that I would owe additional monies after paying the balance in full. They said it wouldn't be on the statement and was " general knowledge ''.
Consumer complaint received 2023-08-09
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX XXXX : XX/XX/1981 RE : You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report.

As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission. 
XXXXXXXX XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXXXXXX XXXX  XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX XXXXXXXX XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 


Sincerely, XXXX XXXX
Consumer complaint received 2017-01-02
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (NY)

Citi bank makes it very difficult to sign in to access credit card online information and pay your bill. On the credit card it states the website is citi.com. When you go to citi.com there is no link to current credit card accounts.
Consumer complaint received 2023-08-09
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. (CA)

I was out of town from XX/XX/2023 I was XXXX XXXX. During that time, my card was being used in XXXX XXXX/ Multiple transactions were made on my credit card. I notified Citibank immediatel when I discovered the fraudulent charges. Citibank is saying that they were made with the physical card and can't credit me back for the charges. ( which total around XXXX ) I then send them vial email my flight itinerary and purchases I made in XXXX  showing them I was out of town and couldn't possibly make these charges. They credited me back for one of the charges..only totaling {$8.00} made at XXXX 's in XXXX XXXX during the week I was out of town. When I asked them why I was credited back and not for the other purchases ... they had no response. Additionally, these are places or places that I haven't been to or haven been in years. I then asked them to compare my signature with the ones made with these purchases ... they would not provide. I have proved proof that I wasn't even in town, yet they can't give me a valid reason for my claims being denied.
Consumer complaint received 2023-08-09
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

On XX/XX/2023, Equifax fraudulently reported that a vehicle, which I did not own, was repossessed. The facts are completely in error, and the credit reporting companies have used my name and information for commercial purposes without my consent. 

I have attempted to resolve this matter, and as of this date, the credit bureaus have either not responded, or they have intentionally refused to provide any documentation to refute my claim, or show proof that my claim is without merit. 

I am prejudiced by this entry, as it is fraudulent, and no company or credit bureaus seems willing to correct their errors of fact. This matter is now more than seven years old and they are still reporting misleading and erroneous fraudulent information. As a result, my car loan interest rate is at an exuberant rate which I need in order to continue to earn a living. I am close to homelessness where I have to choose to find a closer job. 
In accordance with the Fair Credit Reporting Act ( Equifax ), Acct No. ( XXXX ), has violated my rights. 15 U.S. Code 1681 Section 602 A. States I have the right to privacy. 15 U.S. Code 1681 Section 604 A Section 2. States a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-08-09
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: HYUNDAI CAPITAL AMERICA (DC)

I leased a Kia XXXX for 3 years, and returned it at the end of the lease on XX/XX/XXXX. 

I received on XX/XX/XXXX an invoice from Kia XXXX for {$2100.00} for the Excess Wear etc. I am not disputing that. 

I sent XXXX XXXX a check on XX/XX/XXXX. 

On XX/XX/XXXX I sent a follow-up letter asking if the check had been received. I did not receive a reply. 

I called on XX/XX/XXXX, and was told the check had not arrived. I immediately paid {$1000.00} by credit card. 

On XX/XX/XXXX I called Kia Finance again and paid by credit card the balance of {$1100.00} Subsequently I went to a Kia dealer to lease a new car, but was told that my credit report showed a delinquent payment to Kia, which reduced my credit rating by 100 points which meant that I was now not eligible to lease or purchase a car.

I write twice to Kia Finance apologizing for my late payment, but I said I honestly do not feel it was entirely my fault. I explained that my payment was late, but I had not realized my payment had not been received in time. I asked them if they could review my case, with a view to restoring my credit rating so I could go ahead and lease/purchase another Kia. They said they were not prepared to change their decision, and the delinquent payment would remain on my credit report. 

Thank you, XXXX XXXX
Consumer complaint received 2022-08-04
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: Experian Information Solutions Inc. (CA)

I recently reach out to XXXX and Experian Regarding the impact I have suffered due to fraud and identity theft. My Consumer Report has a false score and Experian and XXXX has not helped me and I am suffering through trauma due to my reputation.
Consumer complaint received 2023-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: Neon Newco Corporation (CA)

A company net spend has created a card in my name without my permission, consent, or prior knowledge of. The card has yet to be activated but is still fraudulent as all their company lines go to other fraud offers and contain no real person to person interaction.