davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (MD)

American Express upgraded my card from Gold to Platinum which gives me a spending limit of {$30000.00}. Since my credit history was perfect and I never missed a payment, I was offered credit with a higher rate. So I decided to make a purchase and use the card, I even called them before making a purchase and I was told and verified that it's okay and I can use it for my purchase. 

However, credit is denied but not given a reason why and was refused credit even though I'm qualified for it. They disabled my Platinum card and I was told that my spend limit was downgraded from {$30000.00} to {$7000.00}. Called them but they discriminated me, I was treated differently on the phone as they were having a hard time pronouncing my name. 

Afterwhich they sent me an email downgrading all my other credit cards. 
I have a {$12000.00} spend limit which they downgraded to {$4600.00} and the other card was downgraded from {$12000.00} flexible to {$15000.00} down to {$6000.00}. ( will attach the emails ) It is very unfair that all my other cards were downgraded when they were the ones who purposely upgraded my card and there is no basis for the downgrade. It was clearly credit discrimination because of my name.
Consumer complaint received 2021-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

TransUnion will not correct personal information which is inaccurate and incorrect. 
TransUnion has an incorrect address. I have written several times to remove this address and nothing happens. They are aware of what I request.
Consumer complaint received 2021-06-15
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. (UT)

Experian continues to report a debt on my credit file that needs to be removed. I have contacted XXXX via letters multiple times and they continue to report XXXX XXXX. I have been disputing this account with them for some time and they have never been able to validate this debt to me, and they keep telling me to contact Experian if I believe its wrong. I have tried multiple times to get this resolved with XXXX and have gone as far as trying to pay them to get this removed from my file and it's impossible to talk to anyone there. This debt has never been validated to me, and this debt is past the statute of limitation in CA. Please remove immediately.
Consumer complaint received 2021-06-15
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (DC)

I have contacted KIA at least seven times since XX/XX/2021 asking for them to send my title for my paid off car loan. I need to register my car in XXXX so that I can legally drive it. They have not sent the title after numerous requests and several hours on the phone with their customer service department. They claim to have mailed it on XX/XX/2021 but were not able to provide any sort of tracking number for the mailing. I have provided my XXXX account number and asked for them to send the title, to no avail. I need to have my car registered so that I can legally drive it. My car is used as transportation for my XXXX treatments. I am unable to take public transportation and have no other access to transportation. This has caused undue hardship and stress. I don't think that I am asking for something unreasonable. I have been treated horribly by Kia customer service over something that should be a quick and routine process. Please provide assistance if possible. Thank you in advance.
Consumer complaint received 2021-06-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I received bill from XXXX XXXX XXXX XXXX, {$1700.00}. then i got explanation of benefits from medicare, an my secondary insurance.That was XXXX over a year ago. XXXX accepted the charges an paid their share, an my secondary picked up the remaining, they was responsible for. then i seen where XXXX  XXXX XXXX had turned the account over to a collection agency, I called medicare they gave me the physician phone number of the doctor office that turned the account over to collection. XXXX told me i didn't own that doctor anything. I then called the doctor an they said they would remove the collection. will it should up again this year, XXXX. To me it was possible XXXX XXXX XXXX XXXX was trying to collect more money, by selling the account to collection agency. That i never owned.
Consumer complaint received 2021-06-15
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd. (WA)

Harris & Harries started calling XXXX XXXX until present XX/XX/XXXX. These are the numbers they use : XXXX, XXXX, I have a listing from XXXX XXXX of how many times they have robo called me already. From XXXX XXXX to XX/XX/XXXX. All robo calls that they did. I belong also to XXXX. This company have been blocking them for me. It's every single day almost. Not even a real person. 
Here is the list that I copied : XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX Si I didn't get anything in the mail or whatever. Also caller id said something about being Spam? HARRISAND XXXX Yesterday XXXX XXXX This might be because of my wife or my dad. Thanks
Consumer complaint received 2022-06-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On Tuesday XX/XX/22 I received a text message from what had appeared to be from my Bank that a fraudulent charge was made but declined at XXXX in the amount of {$970.00}. I quickly panicked and replied No to the text message. After that my phone rang and the person on the other line said they were from Bank of America and they were able to catch this fraudulent charge before it hit my account. However they said that a pending XXXX Transfer was scheduled to leave my bank account at XXXX XXXX and they wanted to try and reverse it. At this point I had completely questioned everything but they reassured me with confidence that they would get it straightened out. I sent a XXXX transfer in the amount of {$3400.00} to myself but it went to the scammers. I was a complete victim of a Scam that I was not aware about and didnt even realize that it was a scam until I called my Bank the following day. I filed a fraud claim with Bank of America and it is still in process. From what I have read people have had a hard time getting their money refunded back to them who have been struck by this horrific scam. I am a hardworking individual and Bank of America customer for over 16 years who certainly did not deserve to have this happen to them.
Consumer complaint received 2021-06-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENOVA INTERNATIONAL, INC. (MN)

I have not been notified of this collection, I have never received a message nor have they provided me with any proof that I owe them, this collection that appears in my credit report affects me directly since it damages my score and my credit history, I consider this a violation since they have not contacted me and only uploaded it to my report.
Consumer complaint received 2021-06-15
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc. (IN)

I have been trying to get a copy of my student loan payment history since XX/XX/2021. As of today, XX/XX/2021, Firstmark Services has still not been able to provide me with a copy of my loan history. I have been calling frequently, lately on an almost weekly basis. Today, the customer service supervisor stated that she had " no super good timeline to offer me '' about when I might receive a copy of my student loan history. This did not sound super good to me. 

My original request was to XXXX XXXX in XX/XX/2021. I believe my loan was transferred to Firstmark iat the beginning of XX/XX/2021. I followed up with both XXXX XXXX and Fitrstmark in XXXX, but Firstmark claims I requested my student loan payment history on XX/XX/2021. This is false. I requested this information several times from them between XXXX and XXXX.
Consumer complaint received 2021-06-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: McCarthy, Burgess & Wolff, Inc. (MI)

XXXX, XXXX XXXX XXXX sent me a collection letter ( attached ) offering to settle a bill i owe to XXXX. I have not had an account with XXXX for the past XXXX years and have no outstanding phone bills of any type. 

This is not legitimate as I have an unusual name and there could be no mistake here. This can not be a bill owed by someone with the same name - there is no such person. Searching online, I found numerous allegations that this debt collection company commonly makes false claims and any attempt to contact the company will result in their phishing for more information to attempt to obtain payment or harass people for payment. There are even allegations of them recording calls and cutting and pasting a " yes '' answer to a statement acknowledging the debt.
Consumer complaint received 2021-06-15
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Wakpamni Lake Community Corporation (AL)

I was at work today and my employer notified me they had received a fax from a company calling themselves Apex Servicing of Utah representing themselves as XXXX XXXX. The fax stated I had agreed in a court order to repay a loan to this company. I have never been to court on this matter and I am unfamiliar with the associated charges and actions. Therefore that brought up red flags. I did a quick search online for the company and discovered it was tied to several fraudulent related claims by consumers including claims of fraud from the XXXX XXXX XXXXXXXX XXXX XXXX and uses this tactic of false court proceedings as a tactic to trick employers into providing payroll deduction on unsuspecting employees. I attempted to contact the company at the number on the fax XXXX and was asked for personnel information such as social security number and date of birth which I refused to provide. I did not ask for case details but rather asked was the business licensed to operate in Alabama and what was their state licensing number with the XXXX XXXX XXXX XXXX XXXX? I asked this on repeated occasions in a call that they state was recorded. The operator on the other end stated she could not provide me that information and that they were a tribally licensed company. The company would not provide me any information and has falsely used the court system as a pun to try to steal wages through a false wage garnishment. This action seems fraudulent and illegal and I feel reporting it to the FTC since it appears this company is hiding behind tribal law was the best measure. A search of the company also revealed the following similar instance with a filed complaint XX/XX/2020 : Complaint received, file # XXXX. This company appears to be an illegal operation and trying to hide behind tribal law as a way to justify its fraudulent actions.
Consumer complaint received 2021-06-15
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. (MI)

I've submitted multiple disputes regarding inaccurate inquiries on my credit report. I've sent Transunion multiple disputes regarding the following inquiries : XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, & XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2021-06-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Outsource Group, Inc (WA)

I went to check my credit and noticed my scores dropped by over 100 points. There was an unknown collection on my credit report that never notified me in writing before reporting on my credit ( this is illegal under FCRA laws ). 

I sent the company a debt validation letter and a dispute letter. They " verified '' the information with the credit bureaus, but wrote back to me saying they need me to call them to get more information. 

They never validated the debt and when I called the medical facility, they said that I never had any debt to them, so they don't know why the collection agency is claiming I owe them debt and verifying it on my credit report. 

The collection agency is breaking numerous laws and refuses to correct their errors.
Consumer complaint received 2022-03-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION (TX)

I have two situations. 

The first situation, every time I have a credit, it is never reflected in the balance. It is almost like the credit is either backdated or the debit is applied twice. Today, XX/XX/22, I disputed a charge with a merchant. The issued a credit for {$58.00}, it was reflected in the ledger but not in my balance. This has happened several times, and I am just noticing that Navy Federal is back dating credits so that they do not actually get applied. THIS IS THEFT!!! 

Second, I called XX/XX/22 in regards to disputing a recurring charge. I was told that I would have to cancel the card, at which I could not do because I have pending things scheduled ( that affect my children 's lives literally ) & if the payment does not process, it will cancel out completely and it was too late to update with a new card ( they require 5 days notice, it is 3 days before the debit date ). I advised I could call back after the payment processed so it would not be in jeopardy. The institution took it upon themselves to cancel my card & did not even initiate a dispute to recoup my funds. The supervisor, XXXX who did this, responded to me saying this is going to impact my kids, & literally begging & crying to not do this until after that payment, by telling me " oh well its cancelled now. You don't have a say. '' So if my kids end up hospitalized, or even worse, I will sue this company and individual. 

This entire bank should be shut down based on the multiple complaints of them baiting & switching and stealing people 's money.
Consumer complaint received 2021-06-15
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: Experian Information Solutions Inc. (FL)

I am not the person to always check their credit but I just check my credit through experian 's website and i noticed a handful of fraudulent account on my credit report along with a bunch of unauthorized credit inquires. Before reaching out to experian, XXXX  and XXXX, i took the time to reach out to each and every company that the fraudulent account and credit inquires was submitted. I did not do business with such company. I always get email from experian stating that my information was on the dark web. I was also affected by the XXXX  breach. I have attached the identity theft report along with my social and drivers license.
Consumer complaint received 2021-06-15
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Halsted Financial Services, LLC. (MD)

Company has called me 6 times in 24 hours. Company refuses to verify the debt as per law, and can not verify whether anything will be reported to credit bureaus if paid off. XXXX reviews show countless fraudulent charges and going back on agreements. Requested to be removed from any and all calling lists as debt could not be verified and multiple phone calls is absolute harassment. Today alone it has been from 3 different phone numbers. Company is Halsted Financial from Illinois. My number is also on the national do not call registry of which I reminded them.
Consumer complaint received 2021-06-15
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.
Consumer complaint received 2022-03-07
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 (GA)

When I check on my credit report, it shows that my Bank of America credit card has closed. They [ BoA ] said that I requested closing that account, but I did not request it. They closed without noticing me.
Consumer complaint received 2021-06-15
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I recently tried to dispute my delinquent payments on my credit file due to my XXXX. During the time of the aforesaid hardship i was XXXX XXXX  and XXXX  and was unable to make a payment because my accounts did not have autopay setup. I submitted a signed letter from the physician illustrating that i was XXXX  for the time period in question. I also submitted a letter from the nurse who was assigned to my case that supports everything the physician is stating. I got my dispute results back and they denied my request to remove the late payments. I let them know that i was only late because of my XXXX  and would have not been late if i wasn't XXXX. I tried to dispute the late payments again because i recently got a eviction notice from my current residence. I pleaded with the credit bureaus to remove the late payments because i applied to 10 different apartments in the area with cheaper rent and got denied from every single one of them due to the late payments. I notified them that i will become homeless if the late payments are not removed and i also asked for the investigation to be done promptly because i need to find somewhere to live ASAP. Its been 2 weeks after i sent the notarized letter to the bureaus that gave them 15 days to reply ( 4 weeks in total ). When i pulled my credit file i noticed that their are some inaccuracies on my credit file. Some credit bureaus are reporting the account as delinquent for one month and the other credit bureau is reporting it as in good standing for that same month. This is affecting my ability to find a new apartment or qualify for credit. I would like for my delinquent payments to be removed because i showed them evidence that i was XXXX  and explained to them that i wouldn't have missed the payments if i wasnt XXXX. I will become homeless if something isn't done and im trying my hardest for my nightmare to not come to pass. Please help because the credit bureaus are not emphatic to my situation.
Consumer complaint received 2021-06-15
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I started disputing my Bankruptcy on XX/XX/XXXX. At that time, none of the bureaus responded out or deleted the account. I sent another dispute on XX/XX/XXXX ; XX/XX/XXXX and again today XX/XX/XXXX. During this timeframe, the bureaus have never sent me anything of them validating the bankruptcy nor have they deleted it from my personal credit report!
Consumer complaint received 2021-06-15
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I am writing to file a complaint against the original creditor Walmart Mastercard/XXXX  ( XXXX ) and Capital Credit Card. The reason I am filing this complaint is that the bank closed my account without notice. In XXXX Capital One bought XXXX. Before this occurred, Walmart Sync decided to cut my credit limit from {$8000.00} to just above the balance due. 

In XXXX of XXXX, I sent a payment to XXXX for the minimum amount due. Accordingly, I mailed the minimum payment to XXXX before the due date ; however, XXXX deposited the check 1-day after the due date. Notwithstanding, I asked XXXX Customer Service if they could waive the late fee for that month. XXXX Customer Service agreed to waive the late fee with a confirmation receipt submitted via chat. The following month I received my usual monthly statement from XXXX. I expected to see the late fee removed, even though XXXX confirmed this request was approved via chat. I contacted the XXXX Customer Service Department to discuss the possible oversight. I asked about the minimum payment for XX/XX/XXXX. I also asked about the percentage for the minimum payment. The person I spoke with claimed there is no set amount for the minimum payment each month. I did finally receive a statement for that month showing an amount past due and its delinquency. The minimum amount should not exceed 3 % of the total amount for the principal. 

On XX/XX/XXXX, I was notified by XXXX that they were going to decrease my credit limit, because they received a late payment that was processed 1-day after the due date. Contrary to the fact XXXX confirmed approval for waiving the late payment. I disputed this action with XXXX and Capital One, in addition to all 3 credit reporting bureaus. However, all three credit reporting agencies declined to remove the inaccurate information. 

In XX/XX/XXXX, I received a notification via mail Capital One decided to buy XXXX. I continued submitting minimum monthly payments. On XX/XX/XXXX, I finally gained access to Capital Ones online account management portal and learned that the account was restricted, closed and no new cards would be reissued.

I would like for you to correct the amount on my credit report that shows 3 late occurrences. This is incorrect for the month of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Please correct and reopen my credit lines to {$8000.00}.