davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-26
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 (CA)

Capital one is decreasing credit limits on a mass scale without notice. I have been a customer for many years and pay an annual fee for my credit card. Without notice my credit limit was decreased from {$9000.00} to {$2000.00} on XX/XX/2020. I called Capital One today and they stated that my limit was reduced because I was not using the my available credit. This is in direct contradiction to our original agreement where I was told my account would be reviewed every 6 months for a credit line increase. As a result of this change my credit utilization will significantly increase and my credit score will significantly decrease. This will cause irreparable harm to my financial status. Moreover, it is socially irresponsible for Capital One to reduce limits in a time when people will need to depend on their credit the most, when CapitaXXXX Once has been afforded the opportunity to make massive profits in our economy.
Consumer complaint received 2020-08-05
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I had opened an account with 1st Franklin financial back in XXXX for a secured loan. I had fell behind on payments due to me losing my job. I put my car as an collateral and they took it and havent heard from them since until now saying I owe them XXXX and that they are taking legal action against me and are sending the cops to my home and my mothers home trying to sue me. And on my credit report it says the account was opened I XXXX of XXXX which is not true I have proof it was in XXXX.
Consumer complaint received 2022-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Hilco Receivables LLC (NC)

I am a XXXX XXXXXXXX veteran who had dealings with USA Discounters. They went out of business and I found an article that there was a lawsuit which offer their military customers a debt forgiveness of their account. My wife and I started an account with them in XXXX  while I was XXXX in XXXX while on XXXX XXXX. 
For the past few years I have dealing with the law law firm XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX who threaten to put a lien against me and my wife unless I pay over {$20000.00} for what's owed on the USA Discounters account and legal fees. I need to know am I protected from under the lawsuit?
Consumer complaint received 2020-09-03
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. (MO)

I have a charge-off from 2016 that has already been removed by XXXX   for inaccuracies in the reporting. The creditor is XXXX XXXX / XXXX. 

I have sent multiple letters with documentation and Experian refuses to remove it but does not offer any valid reasons why. I have demonstrated over and over that it has clear errors. Please help.
Consumer complaint received 2024-09-20
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My husband and I open a joint account, I started to notice that someone was taking money out of our account I call the bank and They didnt say that they wanted to talk to my husband, I told them that thats my account too, I decided to open a savings account from the same bank, and I told them that I didnt want nobody else on that account, and if my husband ask tell him the same thing you told me. 2 months later I was working as soon I deposit my check, someone was taking my money, I call the bank they told me that I was the only one in that account. I told them If they can check out who is that person who is taking my money, the say that they were going to do something about it, but they didnt it happen over and over again, we went back to deposit on our account our check s but my sister move with us for 3 to 4 months I saw on her papers tha she had the same account number as my husband s and I. I call the bank ask they did say it was her and I told them that she did not have any permission to take money out of our and my account they didnt do anything
Consumer complaint received 2022-08-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Choice Recovery, Inc. (FL)

I began questioning this organization in XXXX of XXXX into XXXX and this supposed obligation has been influencing my credit. The obligation authority hasn't given verification that the supposed obligation has a place with me. This is the fourth time this obligation was sold in the wake of demonstrating that this supposed obligation isn't mine because of the organization 's deficient evidence and a duplicate of a printout bill isn't verification this is influencing my capacity to get another home. I don't have any idea why I'm being dealt with this way.
Consumer complaint received 2022-09-20
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: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

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
Consumer complaint received 2024-09-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIRST CITIZENS BANCSHARES, INC. (SC)

First Citizens bank would not give over the person who retrieved the check sent from Bank of XXXX to First Citizens bank to pay off a high interest credit card with a 28 % interest to a 0 % interest credit card issued by XXXX XXXX XXXX XXXX XXXX XXXX sent the payment to the XXXX XXXX on my credit card statement on XXXX and XXXX XXXX XXXX check the XXXX XXXX XXXX XXXX to inquire as to its receipt, thereby overcharging me interest on the XXXX credit card. 
I called XXXX XXXX, branch manager, and she stated I should put a stop payment on a check I didnt draft. I contacted FCs fraud dept. on 5 occasions to enlist their help to no avail. I contacted A Mr XXXX Bland, a purported bank manager and he took from the previous Thursday until the following Thursday to try to resolve this, while interest was accruing, to no avail. He still hasnt called me back about his own banks XXXX XXXX and a contact so I could call and expedite the pay off checks whereabouts. The fraud department wouldnt give over a vice presidents name or contact to take ownership of my matter and resolve it, while interest accrues on the XXXX owed to XXXX. Ive rarity experienced such incompetence and lack of regard for solving a mistake from sending to a XXXX XXXX they own and stated on their credit card statement. Not only does it speak of bank fraud, deceiving, its speaks to increasing bank fees for their own incompetence which I stated I would call and resolve for them. Complete and egregious incompetence and lack of regard for good business skills..
Consumer complaint received 2021-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process.I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX-XXXX-Balance {$0.00} XXXX  XXXX-XXXX-Balance {$0.00}
Consumer complaint received 2022-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (IL)

Citibank 's response to complaint XXXX was unresponsive and appears to be intentionally deceptive. 

1 ) There was no response to refund of over {$500.00} in credit card fees. 

2 ) No valid reason was provided for the closure, which appears to be discrimininatory and illegal. The response to contact XXXX XXXX is unresponsive as the orginal complaint not only noted, but provide the letter sent to XXXX XXXX what was sent and Citibank unresponsive. 

3 ) Citibank cites " we may close your account or suspend account priveledges at any time for any reason. '' However, Citibank may not discriminate or illegal close any account, whcih appears to have happened here. Not only is obtaining any reason being obfuscated, Citibank illegally seized credit card fees that were paid, but did not provided benefits according to the terms for the period in question. 

XXXX XXXX 's letter of XX/XX/2022 is unresponsive and appears to be intentionally unresponsive. There are deeper legal issues here that need to be moved up the heirarchy to investigate and resolve. 

There is an intentential pattern of obfuscation with Citibank on this issue and gives the appearanace of unlawful conduct to consumers.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc. (TX)

Procollect contacted me on the phone XX/XX/XXXX and told me I had a debt from a lease. I told them that I was the victim of Identity Theft and to check my credit report where I had reported it in XX/XX/XXXX previously. They told me to prove it and pay my debt and then reported me to the credit bureaus two days later as being in default. I contacted them after that and explained the situation again- they lied to me on the phone and told me they had sent me written notification on how to dispute the bill, when they had not, they also told me that it could not be IDTheft because the person submitting the lease had used all of my correct information. I spoke to the landlord and this was false they used incorrect information and different information from what Procollect told me. Procollect has been informed by phone, in writing by email, and in writing by the form on their web site this is IDTheft and they refuse to take it off or provide me with any information with which to dispute their claims. They also refuse to talk to the police and cooperate with them.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.

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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2021-08-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (NY)

Comenity Bank, XXXX Visa credit card. Opened in XXXX, and XXXX I send my payment in 2 weeks ahead and they credit day after due date, say they are aware of a delay in there receiving of mail payments. Refund late fee, but I then send payment by XXXX or XXXX of each month for due date of XXXX and even 17 or 18 business days mail and they still credit day late everytime. Only once did they do my payment processing properly, XXXX, sent on XXXX received on XXXX like normal mail should work. today XX/XX/2021 again they say not received and will waive my late fee after speaking with manager XXXX. But I say the problem is not the mail system, as that is impossible, it is not me, as I am sending payment in beyond early, but is there predatory practice of purposely holding payments to just after due date for fees and causing credit damage to good customers always paying on time.
Consumer complaint received 2021-08-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2021, I personally deposited the amount of {$66000.00} consisting of 8 checks and cash ( payments for work ) in the amount of {$25000.00} at the Bank of America location on XXXX in XXXX. This amount is shown in the month of XXXX statement provided to me by Bank of America ( attached ). The same day, however, the bank readjusted the amount and deducted {$25000.00}. When I inquired ( again in person ) I was told that the deposit had not included any cash but only checks. This is false. I filed an official complaint with Bank of America number XXXX to the XXXX XXXX XXXX but there has not been a satisfactory resolution. The bank is refusing to provide the video. I was given about ten images to see but this is inconclusive. I am confident I deposited the cash and checks. A bank does not make a mistake of this magnitude when recording a deposit. Yet, without explanation or investigation, they are refusing my money. I own a XXXX XXXX XXXX and this money is the result of this labor. I am an XXXX  and don't speak XXXX and I believe the bank is not taking my claim seriously as a result.
Consumer complaint received 2021-08-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (MD)

XXXX Contacted by Select Portfolio Servicing Inc. ombudsman dept about a repayment approval XXXX New review opened requesting documents ; I submitted them on XXXX before receiving loss mitigation denial letters XXXX I initiated a third party call with a HUD counselor who witnessed SPS ombudsman stating that they would have to cancel any open loss mitigation reviews and remove any existing protection I felt helpless because prior to XX/XX/XXXX XXXX ; there were no specific details about any loss mitigation denials outside of the investor not extending a COVID forbearance ; the denied this because a conclusion of " income '' determined the denial. This is very unclear because I never denied receiving income. My hardship letter expressed how my medical expenses and distressed home repairs disrupted my budget to have money free for the mortgage. 

XXXX Third party call details included " an in-house repayment plan '' that had to be approved. Different parties like the staff changed the terms on each call like removing protection. I thought the department was already clear on what I qualified for before discussing this plan. 

The only option given was a six month plan appears to be a setup for failure and foreclosure. 

I don't feel like SPS was trying to help me save the home with an affordable plan. For example, during the six month plan on the sixth month they want a total to equal two monthly plans. 

XXXX after hours ; letters were generated. It was odd because I could see the title of the document " awaiting decision letter '' but it was not available until after midnight with a " denied '' decision.
Consumer complaint received 2022-10-12
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: WELLS FARGO & COMPANY (OR)

I went to see about buying a new vehicle. At that point I gave the dealer the authorization to run my credit once to see what I was approved for, but in return they ran my credit with multiple banks and or had the banks run my credit without my authorization. This in turn has given me over 41 hard inquiries on my credit report between XXXX, XXXX XXXX and XXXX which i can not recover from. I would like these hard inquiries removed because they were not authorized by me. From my understanding when you buy a vehicle it is supposed to be counted as 1 single inquiry but in my case it turned into 41. I have not been to 41 dealerships to purchase vehicles. I only own 2 Dates in question are between XX/XX/XXXX XXXX XXXX 2021
Consumer complaint received 2019-01-25
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: CAPITAL ONE FINANCIAL CORPORATION (NV)

A fraudulent charge from XXXX appeared on my Capital One Visa credit card in XX/XX/XXXX, XX/XX/XXXX & XX/XX/2018. I reported the charges and they were refunded and my card was canceled and I was issued a  new card. In XX/XX/XXXX another new fraudulent XXXX charge was added to my new credit card. I called to complain, they explained that the " updater services '' they provide, give the fraud account the new credit card number automatically and that's how they got it. They canceled my 2nd card, and issued a 3rd card. Capital One put a block on the merchant, apparently preventing them from making any new changes on my cards. Now for the month of XXXX, there is another pending charge from XXXX on my 3rd card and the cycle will continue and there's nothing I can do about it. I also called XXXX to inform them of the fraud and they did nothing to help me, because I can't give them the account number for an account I didn't create. How can any of this be legal????
Consumer complaint received 2022-05-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-06-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A. (NJ)

Commencing on or from the XXXX of XX/XX/2021 through the XXXX of XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX ( the Scammer or Fraudster ) DBA : XXXX XXXX with the design, development, manufacture, promoting, marketing, distribution, labelling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. Money was transferred from my account via bank wire in the total amount of XXXX USD utilizing PNC Financial Services Group services
Consumer complaint received 2024-10-30
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: EQUIFAX, INC. (CA)

As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law. 

For this Items Below Please do as what instruction in compliance of the law.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

I have file a complaint to the XXXX credit bureaus regarding to the incorrect information on my credit report. I would like this information be removed from my credit report as soon as possible. If the bureaus do not take action about my complaint, I will file a lawsuit againsts them and demand compensation becuase of the damaged they have cause in my life.
Consumer complaint received 2021-08-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (TX)

I called ERC debt collection and paid in full the debt owed in the amount of {$540.00} in which I had to fight them for a receipt. Then when they sent me a letter confirming that they were going to do a goodwill deletion letter the debt they was dragging their feet on it. Once I filed a complaint with this organization. To reiterate against me I just received another letter from ERC now claiming that I owe an additional {$96.00} which I do not the amount in which I paid was {$540.00} to pay the debt in full with a goodwill deletion and now they are demanding additional payment in which I am disputing and what to bring there unfair debt collection practices to your attention.