davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Reports on XXXX XXXX by Capital One Bank, reporting to XXXX   listing dark web information found on the credit report. Being denied employment through credit check processing indicating misleading and inaccurate personal behavior misstatements from non financial reporting. In 2018, reported dark web information found to FBI and filed a report as information is incorrect, improper use of email address, identity theft as email address. There are no billing statements, transaction of financials with the Capital One Bank or any other crediting bank. The email listed is registered on job boards, public websites such as XXXX  for employment. Currently, XXXX XXXX provided by XXXX is reporting as a Negative on the credit report on personal information found on a dark web search. I have taken the necessary steps in reporting to the authoritative agencies about this event and have filed claim to the FBI claiming Personal Identifiable Information, Defamation, and Identity Theft. 

The right to privacy is an element of various legal traditions to restrain governmental and private actions that threaten the privacy of individuals. No one shall be subjected to arbitrary interference with his/her privacy, family, home or correspondence, nor to attacks upon his honor and reputation. Everyone has the right to the protection of the law against such interference or attacks.The right to privacy is alluded to in the Fourth Amendment to the US Constitution, which states, " The right of the people to be secure in their persons, houses, papers, and effects, against unreasonable searches and seizures, shall not be violated, and no Warrants shall issue, but upon probable cause ''.
Consumer complaint received 2020-11-25
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CREDIT ACCEPTANCE CORPORATION (NC)

Credit Acceptance- The vehicle was purchased in late XXXX for {$9000.00}, to accommodate my XXXX  / XXXX needs at that time. Within a 6-month period I experienced multiple electrical malfunctions which were reported to the dealership. Company refused to repair any damages and malfunctions ; these issues resulted in a fire starting under the dashboard. At that time, I chose to tow the vehicle back to the dealership which resulted in a Voluntary Repossession In XXXX, I reached out to Credit Acceptance was redirected to XXXX XXXX XXXX XXXX XXXX - a statement agreement {$6900.00} was made nut not yet collected on my credit reports
Consumer complaint received 2020-11-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (CA)

I received sudden emails from Citi bank credit card department that they have lowered my credit limit due to the followings : -Your payments were low on one or more of your accounts with us. 
-Your credit report shows your balances on your revolving accounts are too high in relation to those credit lines. 
-One or more of your accounts shows a late payment or bad check with us. 

Even though I knew that none of the above are correct, still I reviewed my credit reporting and ensured that, - I have always paid my payment in full, if not more. 
-Based on the XXXX  , which is the credit bureau that Citi based their decision on, is only stating that I have used XXXX  % of my credit. 
-All of my credit payments were made on time, except one that I only paid couple of days late, which was not delinquent i.e. 30 days late. For which, I thought bank might have a grace period, which they didn't and paid the late payment fee. 

I talked the citi bank credit department rep, and she stated that she doesn't see any late payment in the sense that I paid 30 days late, and even she was surprised as why this happed. She submitted a credit limit reinstatement, but the credit department / underwriting didn't bother to review it and reinstate my credit limit and stated that they cant change their decision. 

Citi bank 's decision can impact my credit negatively and it could ruin my credit with other company. I have been working hard to keep my credit in a good shape and have never had any late payments, or credit limit drop in my life, except this one that is entirely unjust, unfair and completely discriminatory as I couldn't find any actual reason for their action.
Consumer complaint received 2020-11-25
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. (AL)

Im having trouble with equifax I have 19 Fradulemt hard inquiry that dont belong to me. I have tried to file a dispute with Equifax about these fradulent inquiry but I never heard any thing back and I want them to be removed. I also see a couple of item that was removed show back up on my credit report and thats not right and I will like those to be removed because those are also fradulent those account are 1. XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX XXXX  And XXXX XXXX  was removed and show back up on my credit report Im taking action and my own hand because inaccurate information is on my credit
Consumer complaint received 2023-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

XX/XX/XXXX Me and my husband went to the car lot, we asked the dealership to only pull from 3 places. When we realized we went to them, I advised I would sue them but anyway I had them print out a letter stating they fraudulently ran our credit. I called the bureaus, XXXX removed it, transunion has been giving us the run around. XXXX removed it for us no problem. 
We sent a letter to all 3, matter of fact it was the same documents, transunion admitted they received the paperwork, butthen sends me a stall letter stating that it seems to be coming from a 3rd party, I begin to question what indication do they have when I submitted me and my husband 's dispute letter, the letter from XXXX of columbia, ftc reports packaged together ... I told them they need to stop trying to correct people 's reports sending that letter just to prolong the process, they said I have to send it again because they got my ID the next day following ... Im like what does it matter you have every piece of document you asked for. It's gon na be the same info again which is costing me monies to resend. I sent the documents certified at that. 
According to 15usc1681a ( 1 ) ( A ) violation of rights It has been over 30 days nothing back yet they have 30 days to respond Also I reported two negative accounts Progressive I disputed, it was marked late 15usc1681a ( i ) 2transactions history is excluded from the consumer report, 15usc1666b timing of payments shouldnt be reporting after the first dispute they removed it from XXXX to XXXX when it should be removed permanently XXXX is reporting and I have no business with them. I sent them a stop and decease letter and i disputed this as fraud and to remove the account from my credit reports... this has dropped my scores tremendously...
Consumer complaint received 2020-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (MI)

XX/XX/XXXX Fed loan servicing reported a late payment. After speaking with the representative it was concluded that a representative neglected to process a loan repayment application I completed XX/XX/XXXX. No notifications were sent to me that this application was not processed. This is the only late payment that I have and it is not my fault. I was told by the representative to dispute it through the credit bureaus which I did and it still was not corrected.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MS)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-12-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: UNITED COMMUNITY BANK (NC)

I have attached a copy of the e mails exchanged between myself and United Community Bank. United Community ( XXXX, GA ) recently acquired XXXX XXXX  which I have dealt with for a number of years. Everything seemed to be going well until I used United Community 's bill pay service. You will see from the attached e mails, I never got a satisfactory answer as to rationale for debiting my account prior to the check they issued had actually cleared. I believe that they use XXXX for their bill pay service and the check they issue is drawn on XXXX XXXX and not United Community. Someone other than me is benefiting from having these funds on deposit for the period between when they take the money and when the check is actually presented. This may be either United Community or XXXX. I plan to use their bill pay service minimally for payments that are not processed electronically in the future but many others may be oblivious to this practice. You can add to this the difficulty in determining whether the item has cleared. In my case the funds they debit before the check clears are not that significant however across United Community Bank 's or XXXXXXXX XXXX customer base, this could be millions of dollars.
Consumer complaint received 2022-09-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (AZ)

On XX/XX/XXXX I paid off my student loan balance of {$8000.00}. I did a lump sum payment to clear the debt. 

On XX/XX/XXXX I read about the COVID relief program and how any payments made towards a federal student loan after XX/XX/XXXX could be refunded. I then called EdFinancial on XX/XX/XXXX and requested a refund for my payment. They told me I was not allowed to receive a refund since I paid off my debt. I asked for an email copy of the policy they were following and they would not provide it to me. 

I called again on XX/XX/XXXX after Biden announced the loan forgiveness program. I requested the exact same thing, a refund of my payment made on XX/XX/XXXX. The representative told me she submitted it for me and it would be processed. 

I am frustrated that I was told no and treated extremely poorly on XX/XX/XXXX only to have it done two weeks later. The representatives are not knowledgeable on the policies and are telling people mixed answers. I could possibly not receive my refund in time for loan forgiveness due to having to find a representative who would actually process my refund request.
Consumer complaint received 2020-11-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF THE WEST (CA)

Between XX/XX/XXXX and XX/XX/XXXX 2 charges was posted on the account for which 3 fees of {$35.00} a piece was charged for a total of {$100.00}. One of the charges was for a {$25.00} transferee to savings! The other was to XXXX. Don't know why there was a third {$35.00} charge. I have been here before. Complaint # XXXX was filed on XX/XX/XXXX and in it I strongly objected to these overdraft charges and asked that they not be charged again. That was after a trip to the bank and having a discussion with the branch manager. But here we are again. DO NOT PAY ANY CHARTGES IF THERE IS NOT ENOUGH MONEY IN THE ACCOUNT! I was told that the bank does this as a benefit to me but the only one benefiting is the bank with these $ XXXX charges. STOP IT!!!! I even received a letter from the bank dated XX/XX/XXXX saying that if you do not want the overdraft service please let the bank know. Really? How many times do I have to tell you?
Consumer complaint received 2020-11-25
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. (MI)

I have disputed 2 publuc records that are not mine and the credit bureau did not remove the error. Both XXXX  and XXXX removed this incorrect information from my report. I can not reach anyone by phone even though the information im inputting is correct. Its only giving me an option to correspond by mail. I contacted the court and they also could not give me any info on these inaccurate records.
Consumer complaint received 2022-09-20
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL (PA)

Synchrony Bank I received a letter on XXXX XXXX, XXXX, recording my Amazon Prime account. The letter stated that I owed a {$230.00} payment. As is custom I pay all my monthly expenses the day my Social Security check hits my account. I paid Amazon {$200.00} in XXXX and left a balance of {$39.00} which would be paid in XXXX. On XX/XX/XXXX, and XX/XX/XXXX I received calls from Synchrony Bank regarding this {$39.00}. I have always made my monthly payments ahead of schedule and almost always the monthly account in full. The account balance has gone up to {$2700.00} which is higher than a month or so higher. 
I pay all my bills beforehand so as not to have anyone harassing me about payments. 
Being on Social Security doesn't mean I should be hassled. Sacrificing to make all my expenses paid before keeps my credit score in good shape. It is my hope that those who work at Synchrony will become more sensitive to those they are supposed to serve, in person, by phone, or by letter. 
Sincerely,
Consumer complaint received 2022-02-04
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: America's Mortgage Center, LTD. (GA)

case number XXXX was closed jthe mortgage company never gave you the letter from FEMA about the flood Insurance The company has a copy on file that iI sent it to their office. They choose not to send the documents to you so i will send it with this commplaint
Consumer complaint received 2020-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX, a collection company, re-aged an account and reported inaccurate and false information to XXXX and Experian credit bureaus which is damaging my credit. 

My research into the issue revealed that the original medical account with XXXX XXXX  was dated XX/XX/XXXX, almost a year earlier. XXXX apparently sold the debt to XXXX XXXX XXXX  during XXXX. 

XXXX XXXX XXXX  reported two different " Date Last Active '' dates, of XX/XX/XXXX to XXXX  and XX/XX/XXXX to Experian. The two year payment history for this account is blank. 

I do not have knowledge of this account and certainly never consented to or took part in any activity to result in re-aging or any activity to occur during the year XXXX.
Consumer complaint received 2022-02-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

My wife passed away on XX/XX/XXXX and we were reliant on her social security and pension for our monthly income. Those income streams have now stopped so my monthly income is less than half of what it was. After rent I have next to no disposable income for this credit card payment. I contacted Captial One on XX/XX/XXXX and asked if they would consider reducing the 24.99 % interest rate so that I can reduce the minimum monthly payment and so that it will go towards principal repayment. They did not care about any personal hardship or the death of my wife and they would not agree to lower the interest rate. I want to do the right thing and continue to make very small monthly payments on this account, but I can not meet this obligation without Capital One 's assistance.
Consumer complaint received 2020-11-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (CA)

I understand my account is under review for membership rewards with American Express. I am deeply angered by the lack of transparency as to why my account is under review when I have been a customer for 10+ years and have never had any difficulty in redeeming or transferring points before. This has been a huge inconvenience for my family and me. Please conduct a swift investigation so I can resume my immediate points transfer needs. Again, I am deeply angered at the moment by the lack of transparency with my American Express membership rewards review. American Express is currently holding over a XXXX points in my account with no apparent end to the investigation. 

I contacted them earlier in the month, they said it'll take only 5-7 more business days. It's well beyond that now and I still have not heard back from anyone.
Consumer complaint received 2022-07-22
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. (GA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXXXXXX Balance : {$1500.00} ; XXXX XXXX XXXX Balance : {$110.00} ; XXXX XXXX XXXX Balance : {$130.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$52.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$76.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$160.00} ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX LA XXXX, LA XXXX XX/XX/2021 ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2023-03-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (CA)

I opened a checking account in 2014, used the account for about a year or so and then I wanted to close the account but I never received my money back. I received a letter from XXXX XXXX, state controller office stating I have unclaimed money setting in my account with Wells Fargo, provided all the documentation, process, I had a lady helped me but I never heard back. I changed my name now due to marriage. I told them that and provided the back up documents like marriage license but still did not get my money. I believe I have more than {$300.00} balance amount in my account that Wells Fargo took from me. I changed my name and address now. So I am using my current billing address.
Consumer complaint received 2019-04-13
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION (AR)

On XX/XX/XXXX, I received a letter from the Senior Vice President of Regions Bank FDIC, stating that on XX/XX/XXXX Regions Bank recently discovered that I XXXX XXXX XXXX was charged one or more Paid Overdraft item or Return item fee due to an Operational Error in processing certain merchant Check Card transactions made. He further stated it is possible that Assessing the Original fee may have reduced the Available Balance in my account due to one or more overdraft item or returned item fee, See Exhibit-A. This was Multiple Illegal Overdraft Fees carried out against me, with written Documentation from the Senior Vice President, XXXX XXXX XXXX.
Consumer complaint received 2022-09-20
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Global Trust Management LLC (TX)

I received a call from an XXXX XXXX on XX/XX/22, who said she was from Global Trust Management & that she needed to talk to me before she signed off on my paperwork. I have never spoken to them before regarding this loan. I tried to advise her that I did not want her contacting me directly regarding this issue and did not wish to discuss it with her and to call my Attorney, but she would not take the information and kept trying to argue with me. I also told her I was currently under XXXX XXXX ( I will be glad to provide verification of current medical appointments ) & she was upsetting me by not simply taking the information per the Fair Debt Collections practices and call my attorney instead. I also had XXXX  in prior months. I am over the age of XXXX and need to focus on my health issues.
Consumer complaint received 2022-07-20
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

This is XXXX XXXX XXXX, and I appreciate you taking the time to repair and update some accounts from my credit report ; however, there are still accounts that needed to be corrected. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are fixed : XXXX XXXX XXXX XXXXXXXX Balance Owed : {$90000.00} ; XXXX XXXX Balance Owed : {$32.00} ; XXXX XXXX XXXX Balance Owed : {$3800.00} ; XXXX XXXXXXXX Balance Owed : {$5300.00}