davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-29
Product: Credit 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: CAPITAL ONE FINANCIAL CORPORATION (MD)

I was a victim of fraud on my credit card. I found out after going though my account history on merchant apps and found a discrepancy between my my account and the service order history. These charges were unauthorized and are fraud, I put in a dispute with capital one 's Fraud department. I had received a letter for a investigation being opened on XX/XX/XXXX then received a letter 2 hours later saying I lost the investigation and the claim is close. MIND YOU I NEVER MADE THESE TRANSACTIONS, and credit cards are by the Fair Credit Reporting ACT have 0 liability [ 15 U.S.C. 1681i ]. I don't know what kinda investigation can happen in 2 hours but clearly not a reliable one. Today I spoke to a customer rep about the issue and the rep informed me that, they will not be reopening the case. And, when I asked for the evidence to support that the transaction would be done by me they ignored me. These are to violations to my rights, as reinvestigation is required by law, and I also am entitled to the evidence that allowed the determination of my claim. Case # : XXXX
Consumer complaint received 2024-02-29
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: SOP Pioneer Partners LP (VA)

Pioneer Military Loans is not honoring Louisiana SCRA, Louisiana statute XXXX to my loan and declined. I have had used the above statue on other loans companies and have credited my account and adjusted the new rate.
Consumer complaint received 2022-06-16
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-06-16
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. (TX)

I noticed several collection accounts on my credit report that does not belong to me. 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 2024-02-29
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: BARCLAYS BANK DELAWARE (MD)

I XXXX XXXX and my wife XXXX XXXX, have been trying to receive to pay off our time share with XXXX. We have not been able to receive a payoff or response in reference to what we need to pay to satisfy the debt. We are trying to make a major financial purchase for our own betterment, and this is standing in the way. 



Thanks,
Consumer complaint received 2024-03-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (DE)

I have disputed this with the credit companies as well as sent certified mail requesting documents and proof of this debt I requesting the original contract with signature, payment history how the amount was calculated, proof of assignment and bill of sale with amount paid, proof it was not involved in a tax right off or insurance claim
Consumer complaint received 2022-06-16
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. (TX)

I noticed several collection accounts on my credit report that does not belong to me. XXXX XXXX XXXX... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX  ... XXXX
Consumer complaint received 2023-04-08
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (CA)

I've sent Nelnet written instructions on how to apply additional payment amounts ( i.e., apply my additional funds to principal only ) and they continue to ignore my instructions. They reply with a canned response and state they will apply additional funds to interest first. I sent them communications on XX/XX/XXXX and XX/XX/XXXX. It is unacceptable and violates my rights. Below is what they send in their canned response to my written instructions : " When each payment is received, it is first applied to outstanding fees ( if applicable ), then accrued interest, and finally to principal. If your account is on an Income Driven Repayment plan, your payment will be applied to accrued interest first, then fees ( if applicable ), and then to principal. Once any outstanding and accrued interest has been fully satisfied, any additional amount received is automatically applied to principal. 
If you pay more than your current amount due : Any payment amount higher than the current amount due will be allocated across loans in repayment status with the highest interest rate. * Once the loans in repayment status with the highest interest rate are satisfied, any remaining payment amount will be allocated across the loans with the next highest interest rate. 
If none of your loans are in repayment status, payments are first allocated to outstanding fees ( if applicable ) and then to interest beginning with loans with the highest interest rate. Once all outstanding fees ( if applicable ) and interest have been paid on the loans not in repayment status, remaining payments will be allocated across unsubsidized loans and then subsidized loans beginning with loans that have the highest interest rates.

*If two or more loans in repayment status have the highest interest rate, the payment will be allocated first to the unsubsidized loans and then to the subsidized loans, in proportion to each loans regular monthly payment amount.

Also, when you pay more than your current amount due, your due date on loan groups in repayment status will advance by one month each time you satisfy the regular monthly payment amount for that group. Your monthly billing statement will show {$0.00} due for that loan group. Because your excess payment will continue to be applied to the loan group with the highest interest rate, you will continue to have an amount due for loan groups with lower interest rates. ''
Consumer complaint received 2024-02-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION (FL)

I deposited a check on XX/XX/XXXX. Bank places it on hold until XX/XX/XXXX. Then locks it again. Asks for bill of sale and check reciept ( which I provide on XX/XX/XXXX ). Today - account is still locked and have missed rent payment, car payment and more due to the illegal lock being placed to my funds. No resolution provided and customer service representatives tell me a different thing each time calling.
Consumer complaint received 2022-06-16
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2023-04-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Elevate Recoveries, LLC (FL)

I received a notification from my credit monitoring service that a debt appeared on my credit report on XX/XX/ from XXXX XXXX XXXX for {$2000.00}. I have never delt with this company or have this debt.
Consumer complaint received 2022-06-16
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXXXXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2024-02-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Synovus Bank (AZ)

I paid my bill for XX/XX/year> on time via thru there App connected to a debit card account, everything went fine. In XX/XX/year> I opened the APP to pay my bill, which was the entire balance of {$45.00}. and change and did as I always have done and after clicking submit payment a " Banner '' popped up from this Credit Card APP ( First Progress Card ) that stated payment received. My account should have been at XXXX. 

XXXX weeks later as I checked my credit reports as I always do this account then stated I owed some {$75.00} dollars! They added a late fee. 

I called the company and after my identity was verified, before I could say anything the rep stated, " We never attempted to take your payment! '' Clearly they jumped the XXXX and gave away the scam. They don't want my account paid off, they don't make money that way. 

I sent a letter, NO REPLY. 

I got a XXXX XXXX Money Order and sent the payment to them that way and followed that up with another phone call, They state they never received my letter or my XXXX XXXX payment of course they kept adding late fees. 

I then had to do a trace on the Money Order and it was not cashed. That took time and had to pay for the trace, I sent that info to to the company and of course this is the only company that mail just disappears when sent to them. 

This was a {$200.00} secured account. I had asked them repeatedly to verify that I agreed to pay an annual fee for this " SECURED '' account, they never replied. I don't remember signing up for this low level account and agreeing to pay a annual fee for? 

So now they have dinged all XXXX credit bureau files in my name and have added late fees to the account total of {$200.00} If payment was stated that it was not received because they had an internal, problem with there APP, how about a Phone Call? Text, email or letter? NOTHING .... 

This card is a scam. Please help me They have violated the XXXX XXXX XXXX that states anything mailed is considered received! They have violated the XXXX Fraud Act! They have violated the FCRA and as I have been XXXX for XXXX years they have violated all these things including my rights under the Americans with XXXX XXXX. 

To this day after every contact I have made and letter sent they have NOT RESPONDED AT ALL. 

Please help me
Consumer complaint received 2024-02-28
Product: Credit 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: CAPITAL ONE FINANCIAL CORPORATION (GA)

I rented a car with my capital one credit card with a {$750.00} credit limit. The total charge was {$740.00}. XXXX illegally charged the credit card {$1900.00} which was significantly over the credit limit and Capital One approved the charge and I am now {$2800.00} over the credit limit of {$750.00}. Capital One allowed this fraudulent charge even though my credit limit is not that high and I disputed the illegal charge multiple times and Capital one failed to investigate the consumer fraud that was happening even after being notified multiple times that the charge was not valid and that no charge over the credit limit should have been approved.
Consumer complaint received 2021-02-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (MD)

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for weeks but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''
Consumer complaint received 2020-05-20
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: Experian Information Solutions Inc. (FL)

Yes, I have disputed several inaccuracies on my credit report to XXXX, XXXX, and Experian about several derogatory items on my report as well as late payments that have been added to my report inaccurately. I have reached out to them to verify and remove these inaccuracies over 30 days ago. Based on the letters that I have sent them this was on XX/XX/2020. As I explain in my letter to them my previous letters haven't gotten a response either. Now they are not responding to the ones I have sent 35 days ago. The copy that I sent them were signed and attached was a copy of my driver 's license and copy of my social security card
Consumer complaint received 2020-05-20
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. (FL)

Yes, I have disputed several inaccuracies on my credit report to XXXX, Equifax, and XXXX  about several derogatory items on my report as well as late payments that have been added to my report inaccurately. I have reached out to them to verify and remove these inaccuracies over 30 days ago. Based on the letters that I have sent them this was on XX/XX/2020. As I explain in my letter to them my previous letters haven't gotten a response either. Now they are not responding to the ones I have sent 35 days ago. The copy that I sent them were signed and attached was a copy of my driver 's license and copy of my social security card
Consumer complaint received 2022-06-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am having trouble believing that an investigation was done regarding an account I disputed with the credit bureaus. Transunion put a personal statement on my credit report acknowledging that the account was disputed, but I have yet to receive anything validating this account. The account that I am requesting to be deleted is XXXX XXXX. I've never had an account with this company. The original creditor is XXXX and I have discussed payment plans. The balance I have with XXXX is not even the correct balance that is showing on my credit report. I am demanding the removal of this account until further investigation is done. Please provide the original contract where it includes XXXX XXXX as the company to remit payment to. Also inform me of the amount of which the debt was purchased. If you can not provide this information please remove this permanently from my credit report.
Consumer complaint received 2024-02-28
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (CO)

XX/XX/XXXX - Checking account balance was approximately {$140.00} ( positive/available ). 

XX/XX/XXXX - {$220.00} was authorized by Wells Fargo to draft from my account from XXXX. Transaction should have been declined due to not enough funds in my checking account. {$35.00} overdraft fee was issued. 

XX/XX/XXXX - Checking account balance was negative. {$9.00} was authorized by Wells Fargo to draft from my account from XXXX. Transaction should have been declined due to account now being negative. {$35.00} overdraft fee was issued. 

When I called Wells Fargo- they did reverse the over draft fees ( totaling {$70.00} ). But they would not refund/reverse the {$220.00} payment or the {$9.00} payment. I was told it is up the the banks discretion to pay these transactions on my behalf. I disputed this and talked to two supervisors who told me it is up to Wells Fargo to pay the transactions on my behalf or not to pay them. That it is up to the discretion of the owner and that it is Wells Fargo policy. When I asked to have this policy sent to me in writing, they said they did not have it in writing. I was then hung up on twice.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

According to the fair credit reporting act 15 1681 section 602 states ( There is a need to insure the consumer 's reporting agencies exercise that gave reasonably with fairness, impartiality, in a respect for the consumer 's right to privacy ) XXXX, XXXX, XXXX which are consumer reporting agencies and they violated my rights as a customer. The CRA is in violation of 15 USC 1666 B timing of payments ( a creditors may not treat a payment on a credit card payment account under an open end consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 B of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.Also 15 USC 1681 ( a ) reporting containing information solely as to transactions or experiences between the consumer and the person making the report ; The CRA 's is reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Capital one XXXX XXXX XXXX XXXX XXXX XXXX According to 15 USC 1681s-2 ( a ) ( 1 ) states ( a person shall not furnish any information relating to a customer to any customer reporting agencies if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX, XXXX, XXXX shall maintain reasonable procedures designed to avoid violations of section 1681c and to limit the furnishings of consumer reports to the purposes listed under section 1681B. In conclusion 12 CFR section 1016.7 states that ( a consumer my exercise the right to opt out at any time. ) and I'm exercising my right to opt out.
Consumer complaint received 2024-02-25
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Around XX/XX/year>, I fell victim to two multi-layered scam operations run by XXXX, under the domain name XXXX  which involved me making deposits for a total amount of XXXX USD from my Capital One account to fraudulent investment firm ( s ).