davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (FL)

Hello ; In XXXX and XXXX I made many payments to clear up my credit. One of my collectors was Comenity Bank holding cards for ; XXXX, XXXX, XXXX XXXX XXXX was paid. 

I am using a credit repair company and under Comenity, my accounts are listed as " CLOSED ''. 
On XX/XX/XXXX I got a letter from XXXX XXXX XXXX , XXXX acting on behalf of " XXXX XXXX XXXX , XXXX Collecting for Comenity Bank for {$420.00}. 
On XX/XX/XXXX I got a letter from XXXX, XXXX XXXX XXXX acting on behalf of " XXXX XXXX XXXX , XXXX Collecting for Comenity Bank for {$640.00}. 
On XX/XX/XXXX I got a letter from XXXX XXXX XXXX XXXX XXXX of IL acting on behalf of " XXXX XXXX XXXX , XXXX Collecting for Comenity Bank for {$520.00}. 

These accounts I paid and are closed. I believe these accounts may have been sold to another collector at this point. These items should not be returned to my credit report.
Consumer complaint received 2022-08-15
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. (MS)

On XX/XX/14, credit inquiries were added to my credit report for what appears to be auto financing. The credit inquiries added were XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX Co, and XXXX XXXX. All inquiries except XXXX XXXX were reported to the Transunion XXXX. XXXX XXXX and XXXX XXXX were reported to XXXX.
Consumer complaint received 2020-11-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (NJ)

As part of my Mortgage Agreement, United Wholesale Mortgage is responsible to make property tax payment to my township. However, they have failed to do so which has put my property under tax sale by the township. Below are the sequence of events that have taken place : XX/XX/2020 : I received statement from township stating that partial payment of property tax is due by XXXX XXXX 2020. 

XX/XX/2020 : Since I have an escrow account with United Wholesale Mortgage, I emailed their customer service and tax departments about same with township tax statement attached. Their customer service acknowledged the email by giving a reference number ( Incident : XXXX ) and mentioned that they have forwarded to their tax department. 

Subsequently, I called customer service and I was told since there is a grace period of 10 days, tax department will be carry out payment by XXXX XXXX 2020. 

XX/XX/2020 : No payment was made so I called customer service daily starting XXXX XXXX 2020. Since no action was taken and only promises were made, I started sending messages to customer service from XXXX XXXX 2020. Since even the grace period given by township was expiring on XXXX XXXX 2020, I called them on XX/XX/2020 and they mentioned that their tax department has taken care of payment on XX/XX/XXXX I personally visited township tax department on XXXX XXXX 2020. They mentioned no payment has been received. Again, I requested United Wholesale Mortgage to send me the proof of payment and mode of payment so that I can take up the matter with township. Though my escrow account is debited on XX/XX/XXXX for the amount, till today XX/XX/2020 XXXX, township has not received payment and have put property on tax sale as well as started charging interest starting from XXXX XXXX 2020. 

I am attaching following : 1. My first message on XX/XX/2020 to United WholeSale Mortgage along with their acknowledgement, asking them to carry out the remainder property tax due on XXXX XXXX 2020. 
2. My township 's snapshot of the proof of payment not received as of XXXX XXXX 2020, with a title 'This Property is in Tax Sale '
Consumer complaint received 2020-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

On XX/XX/2020 I received a credit alert today. I decided to check my credit report. I noticed that XXXX XXXX XXXX has reported an account XXXX as charged off on XXXX XXXX, XXXX, and Experian. I have disputed this with XXXX XXXX XXXX and they advised that I have to dispute with the credit bureau. They have agreed that this is not a charged off account but an open checking account and should not be on my credit report.I have disputed this with XXXX XXXX, Experian, and Experian. This account is affecting my credit score and resulting in credit issues.
Consumer complaint received 2022-02-18
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. (GA)

On XX/XX/2022, I filed a complaint against Equifax about inaccurate and re-aged information on my credit report involving XXXX XXXX, XXXX XXXX, XXXX  XXXX, and XXXX because they failed to investigate and delete these inaccurate accounts. The information i provided in my dispute was factual data pulled directly from my credit report, and yet they still responded to me stating that the information has been verified as accurate, which is a lie. Because if you look at the information I provided, you could see the blatant inaccuracies I complained about. It's plain as day. For example, on the XXXX XXXXXXXX account, How can I be 120 days late on a paid closed account? I mean, the account is PAID. The account is CLOSED. So how am I 120 days late. It doesn't make any sense. And this applies to the four XXXX accounts as well. The XXXX accounts say i'm 120 days late, but they are also closed and paid. Bottom line, an inaccurate account can not be found accurate. It's a total contradiction. Furthermore, I just received their response in the mail regarding my recent complaint stating that their investigation into these accounts is complete and that my credit profile has been updated. The only thing they did in regards to my credit report is update my personal information. The problem here is, I didn't ask for my personal information to be updated, nor was that my reasoning for dispute. They did no investigation into the accounts i disputed. The same information is still there. Even the accounts themselves weren't updated, which goes to show me that NOTHING was actually done nor investigated. In other words, their response is a bold face lie, and i want something done about it. There is no way i can give you proof of something, in black and white, and you just ignore it as if it doesn't exist. This is completely UNFAIR, and i want the accounts deleted from my credit report immediately.
Consumer complaint received 2020-10-27
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. (MI)

After being denied for a credit card, I accessed a copy of my credit report, and found accounts reporting on my credit report in my name that I did not open or authorize ( XXXX  XXXX {$460.00}, IN FRAUDULENT CHARGES, XXXX XXXX XXXX  {$1900.00} IN FRAUDULENT CHARGES ). After contacting local authorities I was told that Due to the covid-19 I was not able to physically go to my local police station to file a report, but was told to file a police report online, and I would receive a police report number., And was also told to make an identity theft report with the FTC and send the documents to the 3 major credit bureaus and to each creditor. Transunion has not investigated nor responded to any of these fraudulent claims. I have included a copy of my FTC report, to support my claims of identity theft, I XXXX XXXX XXXX XXXX  XXXX, also have included a photo copy of my Michigan state identification, and social security card so Transunion can successfully identify me and not close this claim because of identity reasons. This complain was sent and is authorized by me XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-09-21
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. (FL)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/account/information below : XXXX XXXX XXXX Open Date XX/XX/2019 Balance : {$0.00}
Consumer complaint received 2020-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Santander Consumer USA Holdings Inc. (NJ)

On or about XX/XX/20 the consumer submitted to the creditor a notice of billing error, pursuant to and in compliance with 15 U.S.C. 1666 and 12 C.F.R. 226.13.

The creditor and Experian failed to send a written acknowledgement of the consumers billing error notice dated on or about XX/XX/20 within 30 days after receipt of such notice, as required by 15 U.S.C. 1666 ( a ) The creditor and XXXX  both failed to make any appropriate corrections to the account of the obligor as required by 15 U.S.C. 1666 ( a ) ( 3 ) ( B ) ( i ) and failed to send a written explanation or clarification of the reasons why the account of the consumer was correctly shown on said statement error within two complete billing cycles of the consumer after receipt of billing error notice sent XX/XX/20, as required by 15 U.S.C. 1666 ( a ) ( 3 ) ( B ) ( ii ).
Consumer complaint received 2022-04-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

B of A decided to close all of my accounts and credit cards. I have 2 credit cards with over XXXX miles each and the bank is telling those points and miles are null and void now. Those points are worth {$1100.00} and they wont pay me out or let me access them to redeem them. I earned those points and miles and they should be mine. They are stealing money from me essentially
Consumer complaint received 2020-10-15
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

This refers to XXXX # XXXX with Capital One. 
I have been a CapitalOne Quicksilver Credit Card customer since XXXX of 2006 and held that account in good standing with a credit line of {$30000.00} since its issuance. All payments on the card were made on time and the {$30000.00} credit line is important to be available for eventual emergency spending while on international travel. 

On XXXX XXXX, without cause or reason, I was informed that my spending limit on this account was reduced from {$30000.00} to {$10000.00}. Obviously such a dramatic reduction in available balance will have an immediate effect on my otherwise excellent FICO Score. I did write a complaint to Capital One asking for a reversal of that decision as there is no reason to punish my FICO score with the lowering of the credit limit, rendering the card practically useless for its intended purpose. Lowering a customer 's credit limit should be based on increased credit risk or a failed performance in accordance with the agreement, and not simply some short term, average balance consideration as it does have an immediate negative consequences on the financial status of a credit card customer. 

My letter was answered with a request to call customer service. The call itself today was basically useless, because the agent on the phone was in no position to address the real issue. The agent just suggested to wait for 6 months and then apply for a credit increase, which with all due respect is ridiculous, considering the facts of this case. 

I consider this practice of CapitalOne to be misleading as they offer customers for the first 5-10 years a reasonably good credit line, then, once the card use is established and the cc number used for a lot of recurring purchases, the credit limit is randomly lowered without cause or reason, making it hard to change all recurring charges back to a different card. The decrease of a credit card limit must always be based on an increased credit risk for the lender and not just a random occurrance without cause. If the lender can not support the credit risk posed by a customer, then the bank should never grant a high credit limit from the outset. It must be taken into consideration that the reduction of a credit limit has an immediate effect on a customer 's FICO score and therefore his financial standing. This practice is in my opinion wrong and should be investigated by the CFPB.
Consumer complaint received 2022-11-01
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (AZ)

On XX/XX/2022, I made my first purchase on XXXX XXXX credit card. This card was promoted by Synchrony Bank. The promotional offer was for 10 % discount on initial purchase. 
The XXXX XXXX store where the purchase was made told me the 10 % discount would be applied by the credit card company. 
On XX/XX/2022, I called Synchrony Bank to inquire about the 10 % discount. I was asked if I disputed the balance, I said " Yes ''. They responded that the account was now " in dispute '', and I was not required to make payments until dispute was resolved. I was told this could take up to sixty days. 
Around XXXX XXXX XXXX I received a message from Synchrony Bank. The message was a copy of my purchase receipt. No words, no explanation. 
I ask Synchrony Bank why I was being billed since the account is in dispute. I was again informed that no payment was due, and that they were investigating my claim. 
Subsequent e-mails and chats have produced no response to my claim. 
Currently I am receiving daily electronic notices and snail mail notice that " LATE '' charges have been levied against my account, as well as " INTEREST ''. 
As of today, I have not received a statement with the correct amount listed. 
Synchrony Bank offered a 10 % discount to open this account. This discount has not been applied to my balance. 
I believe this offer was not made in good faith. Synchrony Bank never intended to reduce my balance by 10 %. The tactic they are using - charging late fees, charging interest fees, are a part of their program to intimidate me to just pay and be quiet. 
I have told Synchrony Bank that I will make payment in full when they provide me with a statement that reflects all purchases and discounts that I am entitled to. 
Please look into this matter.
Consumer complaint received 2020-10-16
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$16000.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, S

ection 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- AUTO ACCOUNT 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$16000.00} -This is not my account. 

-- REAL ESTATE LAON 2. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2022-10-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

On XX/XX/XXXX, I applied for and was approved for the Capital One XXXX XXXX card. The application was under a welcome bonus, which offered, among other things, a {$200.00} credit for vacation rental services including XXXX made during the first year of XXXX XXXX. 

On XX/XX/XXXX, I spent {$200.00} at XXXX on a vacation rental. 

It is now XX/XX/XXXX ( over XXXXwo statement cycles later ) and I have not received the promised {$200.00} credit. This is either a technology issue or fraud. Either way, it must be corrected.
Consumer complaint received 2022-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

I am, XXXX XXXX, submitting this complaint against Equifax Information Services XXXX Inc and there is no third party involved. As of Today, XX/XX/XXXX at XXXX XXXX EST your company is entering a binding contract ( Attached below ). Also, your company is hereby to delete these accounts below as of now. If your company does not delete these account within 3 business days I will seek legal for up to {$3000.00} as your company will be committing aggravated Identity theft. Delete & purge these accounts below : XXXX XXXX ( CLOSED ) XXXX  ( CLOSED ) XXXX XXXX  ( CLOSED ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  ( CLOSED ) Delete & Purge all Late payments for these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete and purge all Hard inquiries , & all Late payments. You are hereby Given permission to report NO MORE than 30 % utilization percentage at any time. Should your reporting agency exceed more than that utilization from the aforementioned amount you shall be subject to the fees state in binding contract & above.
Consumer complaint received 2021-06-04
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc. (CA)

XX/XX/2021 XXXX I really, really upset of what Remitly fixed my problem. So this morning, I got the notifcation from the Remitly app said that I'm transfering money, but I didn't do anything, so I guess that was a fraud. So I immediately went on the app, and I saw that the hacker transfered {$40.00}, {$500.00}, and {$1500.00}, and the hacker were about to transfer {$960.00} but I quickly cancelled it. Next thing, I reported to Remitly, and they said they will have a team to investigate my case. After few hours, I got an email said that my account got locked due to unusual activity, then I called them and they said they will try to get a money back. Few minutes ago, I chatted with Remitly again to see how's it going, and they just said I need to dispute a transaction from my bank. Why can't they just call me, or email me what I should do quickly so I don't have to waste my time waiting for them. They just gon na told when I asked. And they also the one has responsibility because they let hacker did into my account and transfer money somewhere, XXXX. I really really angry about this one.
Consumer complaint received 2020-10-15
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: General Motors Financial Company, Inc. (IN)

I had a truck loan that i never missed a payment on. I paid it every month from XX/XX/XXXX- XX/XX/XXXX. It was paid in full and i had even put on new rims and other accessories. The company in question came and took the vehicle and said that i hadn't made payments. I had paid it from different accounts each month and i no longer have the record of it because it was so long ago but it was paid in full. Now i see that it is on my credit as a charge off for XXXX dollars no less. I have tried to get this fixed with the company in question but had no success. At the time we got tired of fighting it with them and didn't know what to do so we accepted that we just lost a vehicle but now that we see they are showing we still owe XXXX it has gone to far and we don't know where to turn short of getting a lawyer. This has been extremely stressful. We owe nothing at the very least. Please help.
Consumer complaint received 2020-10-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Previously had two accounts when I lost my wallet my bank account was compromised resulting in auto payments being returned. I sent the bank police report and bank memo I was advised over and over by multiple reps accounts were being reopened. Then I was advised they are not simply reapply. Based on my experience I wasnt exactly in a hurry to get back on board with Capital One. The accounts are restricted for something that had zero to do with me. I periodically check prequalify to see what I might be eligible at no cost to my credit. 

Today I was advised that I am blacklisted from the thousands of reviews I have seen it basically says I can never use capital one again which is beyond crazy especially for something that had nothing to do with me and if anything life happens maybe ease up like a lot. 

Based on your Pre-Approval form information, we observed activity on a prior Capital One account that is not consistent with our expectations for account usage or the terms of the account agreement. 

Seriously you blacklisted me for life?? I guess we have to cancel all of our other services with you as well for our home and business?