davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-24
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. (NY)

On XX/XX/2020, I made a significant payment on my citicard. I paid XXXX dollars on a XXXX dollar limit. On XX/XX/XXXX, Citibank reduced my limit to to XXXX dollars resulting in an increase in utilization. I have never made a late payment. After making a good faith effort to pay down this card, they reduced my limit significantly which resulted in an adverse effect on my credit score. On XX/XX/XXXX I asked them to reinstate my credit limit and they declined and would not provide me with a reason. They had me speak to a manager named XXXX from XXXX who barely spoke English and repeatedly said that she had no additional information. This is unbelievably unfair. I deserve an explanation. I deserve to understand why after making a XXXX dollar payment that my credit score was actually adversely impacted. Every person I spoke to could not speak English well  enough to communicate with the consumer.
Consumer complaint received 2024-10-25
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (NY)

Midland Credit Management has been harassing me over an old debt on and off for a few years now. I tried to set up a payment arrangement with them initially in XXXX but they stopped sending me the payment coupons. In XXXX when they contacted me I tried again to work with them but they were very aggressive about the amount they wanted me to pay, making demeaning comments about the amount I could afford to send each month and trying to insist on automatic payments, which I am unwilling to do. I simply do not trust them to have the authority to automatically make withdrawals from my checking account, which they insist on. Additionally, their system would refuse to take a card payment by giving you error messages and their representatives would then try to bully you into using your checking account. I was able to get XXXX payments to go through in XXXX. I have not heard from them since, until late XXXX when a fake XXXX  envelope showed up at my home telling me I was in Pre-Legal Notification and if I didn't pay the full amount they would have a judgement entered against me and it would be enforceable under state law. This debt is so old it is in my maiden name. I have been married for XXXX  years. I have never received proof I owe this debt despite requesting it from Midland. I believe this falls under XXXX XXXX  year statute of limitations. Additionally, Midland has never provided an itemized breakdown of the alleged debt, which is also required in XXXX. All correspondence from them simply lists a current balance or payoff amount.
Consumer complaint received 2020-08-24
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Capital Accounts, LLC (PA)

I previously sent a CFPB complaint about this collection agencies communication tactics, basically that this company will not transfer you to a manager and rather would just hang up on you. Last week I filed a CFPB complaint requesting validation of the account and requesting a cease and desist. Capital Accounts mailed the attached letter to me, stating enclosed is the itemization you requested, however, this letter did not include validation, but rather a blank document with the QR scanner square in the upper right hand corner. This does not constitute validation, this letter does not have the MRD Call may be monitored or recorded.. on it either, nor is there return information. I called to speak with a manager, XXXX XXXX laughed at me and stated that he doesnt believe his company did anything wrong and that I can see why my collectors hung up on you ; these are not professional statements and this manager should be fired for incompetence. Consumer request validation and your staff should understand what to do and how to mail documents. 

Pair the fact that they hang up on consumers when requesting validation and then when there are issues with the documentation they sent, you cant even get them on the phone ; this company should be put out of business.
Consumer complaint received 2020-12-15
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (CA)

I applied for an Amazon Store Credit Card in the beginning of XXXX. I believe it was in XXXX, but I can not recall the actual date. I applied online, through my Amazon Account, when I was offered a promotion to get {$50.00} off the current total cost. I received the {$50.00} discount although I never received any notification in my personal email or in the mail about the credit card. 

Synchrony gave Amazon my credit card information before sending me the card, and Amazon went into my Amazon Account, removed my Prime card from default charge and replaced with the new synchrony store card. There was a letter with the details, dated XXXX XXXX, in message Center of my Amazon Account. This letter mentions that I " will '' receive my card at a future date, pointing to the fact that the past mentioned actions have taken place prior to my having received my physical card. The letter also states that the store card was automatically added to my Amazon.com account as my default payment. 
I have attached a copy of transaction sheet listing charges two charges totaling {$63.00} for two items and the late fees of ( {$38.00} per month ) up to the current date come to the account balance of {$340.00}. 
XX/XX/XXXX - {$7.00} XX/XX/XXXX - {$56.00} Complaint Amazon and Synchrony violated CA law by distributing a card in CA and to a CA resident that does not require activation, and by not divulging this information to me before I signed up for the card. If I had known the card did not require activation prior to use, I would not have applied for it. Both companies put me at risk for fraud and identity theft by violating CAs credit card law. 

Both Synchrony and Amazon took part in committing financial fraud when Synchrony gave Amazon my full credit card number and the three digits on the back, enabling the card to be charged without my permission and before the card was in my possession. Amazon not only entered my personal Amazon account without my permission, they manipulated the credit card arrangement, changing the default so that any charges made to the account would automatically go to the Synchrony Store Card. This was something someone at Amazon did with the help of someone at Synchrony. 

Request It is my desire that all charges involving this Amazon Store Card through Synchrony that are connected to either or both companies be cleared along with any and all late fees.
Consumer complaint received 2020-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

XXXX # XXXX To Whom It May Concern, The reason for my dispute is XXXX XXXX XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports , in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX   # XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809,807 ( 1 ) XXXX # XXXX Validations of date and Mini-Mirandi under Section807 ( 1 )  XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XXXX # XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where XXXX # XXXX is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. XXXX # XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Consumer complaint received 2022-02-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: MUFG AMERICAS HOLDINGS CORPORATION (CA)

On XX/XX/2022 My card didn't work-I went to get gas 2 times. I'm told by customer service there's a hold. I call branch, XXXX, supv. who said call Customer Service back. I had to pay rent and my money was there. Also I noticed a false charge of {$28.00} customer service said was XXXX  XXXX and a " Debit Memo '' for {$50.00} that I tried to put disputes for both through with Supv. XXXX, customer service but she left me on hold.
Consumer complaint received 2020-08-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Kentucky Higher Education Assistance Authority (MO)

Kentucky loan authority bought the loans from New Jersey. I did not sign the contract and they are trying force me into a contract. My loans are current and now they demand payment of the loan balance in full. Even though under the Cares Act I could defer my loans I have not. I continued to make loan pay me ts in time. Strong arm tactics and threatening.
Consumer complaint received 2020-08-24
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. (OH)

XXXX # XXXX To Whom It May Concern, The reason for my dispute is XXXX # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports , in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX   # XXXX failed to give me my " Mini-Miranda '' five days  prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809,807 ( 1 ) XXXX # XXXX Validations of date and Mini-Mirandi under Section807 ( 1 )  XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XXXX # XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where XXXX # XXXX is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. XXXX # XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Consumer complaint received 2021-06-10
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)

According to 15 U.S. Code 1681b ( a ) ( 2 ), my consumer report must only contain information in accordance with my written permission for it to contain. I have not given permission for any of this information to be on my report. 

I spoke with XXXX, an agent of the Experian consumer reporting agency, and informed her there was information on my consumer report that had been unlawfully validated and deemed true. As the consumer, I am the only person who can validate a debt and informed her that this alleged debt was not mine and that it needed to be removed. 

She then stated they'd completed an investigation and found that the information was accurate. However, according to 15 U.S. Code 1681a ( e ), that means they'd conducted interviews with my family, friends, and anyone who would be able to speak on my character as the consumer. They did not do this. Therefore did not complete a lawful investigation and these items must be removed. 

XXXX then preceded to hang up on me after informing her that this information was incorrect and should be removed.
Consumer complaint received 2020-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

On XX/XX/XXXX I noticed items on my credit report that didnt belong to me. I sent in a dispute letter to have the negative items investigated and removed from my report on XX/XX/XXXX. On XX/XX/XXXX I sent in a 30 day demand to comply letter and its now XX/XX/XXXX and ive yet to receive any investigation results.
Consumer complaint received 2020-08-23
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. (AL)

I have sent 4 letters to Experian asking them to validate some collections, charge-offs and a bankruptcy with the associated accounts on my credit report. I have asked them to provide written contracts and any proof these are mine. To this date, I have not received anything from them and no explanation on how they " validated '' these are mine. I sent a letter on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I am getting ready to send them my final letter with the intent of filing a lawsuit.
Consumer complaint received 2022-02-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Mitchell D. Bluhm & Associates (MD)

After noticing the collection on my pristine credit report for {$350.00}, i called the creditor identified on the report " Law Offices MBA " with original Creditor as " XXXX XXXX '' on XX/XX/2022 and informing them of the wrong assertion being made against my credibility report, i was asked to file a police report to correct their error.
Consumer complaint received 2020-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (NY)

I was approved for a forbearance on my home equity line in XXXX. Since I paid my XXXX payment I asked them to start in XXXX. According to the papers sent they said it would not be reported to the credit bureaus as late, it will be reported as current. Upon checking my credit they did report as late and my score went down 100 points. I have written to TD many times and i get no response. This is very disturbing for I am XXXX year old and always had excellent credit. Now with this report I will not be able to buy a car in the future ( I am driving a 6 year old car now ) nor get another mortgage and many other things. I was so upset about this I brought the account up to date in XXXX but I need TD to correct the credit report. I am including the approval letter which indicates that it will be reported as current also including a letter I sent to XXXX   where I was able to get a free copy of my report
Consumer complaint received 2020-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Capital One bank has submitted false information to all three credit bureaus under my name. I have contacted Capital One numerous times to discuss these accounts that were marked as late payments. Not one of 4 agents could locate any account in my name or by my social security number. There are 2 accounts in question on my report. Both accounts are from Capital One. XXXX reports an account # XXXX with 24 on time payments and 1 late payment. Credit limit {$18000.00} and with an opening date of XX/XX/09 of the account. 

XXXX also has a Capital one account on my credit report. This account # XXXX states 47 on time payments and 1 late payment. Also with a {$18000.00} credit line and also opened in XX/XX/09. 

XXXX  also had a Capital one account on my credit report Acct # XXXX. This states 0 on time payments and 1 late payment. Also an {$18000.00} credit limit and also opened XX/XX/09. 

I have requested statements for these accounts because I have never has a Capital One account. Capital One has not yet been able to furnish any information to me because they have no information on these accounts In the system. 

Due to the lack of response to this matter, I have been unable to obtain a mortgage because of Capital One 's lack of response to my request for information and for falsely reporting inaccurate information on my credit report. I have attached screenshots from all three credit bureaus that appear on my credit report.
Consumer complaint received 2020-08-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (TX)

Filed dispute with convergent outsourcing on XX/XX/2020.requested verification under the FDCPA.the following verification requested were as follows : 1.proof that I either owned or were assigned this debt from the creditors. 
2.proof that you have the right to collect this debt in my state. 
3.proof that your company carries a bond. 
4.proof on how your company assessed the outstanding debt. 
5.payment history from the original creditor. 
6.name and address from the original creditor. 
7.copy of the contract bearing my authentic signature. 
35 days has past and I have not received any correspondence.
Consumer complaint received 2020-08-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

Not to mention that when I did call, the XXXX on the other line asked me every verifying question there was. It got to the point where I asked them '' do you want my blood type too. '' I bring this up because I feel this was XXXX. You are only supposed to ask for 2 verifying questions if someone comes in unverified. I feel they did this because I'm XXXX and I guarantee they don't do this to everyone or they would have many more complaints.My dispute is with Capital one credit card. I signed up for a free trial with XXXX and when I went on their website to cancel the subscription I could not because the page was no there. So I called capitalone and they gave me the phone number. I called that number and the number was non working and that number directed me to the website for issues. So after that, I called capitalone to dispute the charge. I called in multiple times and finally got it fixed. Then the next month I received another charge from XXXX. This was not supposed to happen because capitalone should have blocked the merchant. I called capitalone one again several times to complain then I received a notice stating that I will be charged the XXXX for the XXXX purchase that I did not make. I canceled. The I called a few more times and had to wait a half hour or more for a representative. Then they told me that another letter went out saying that I do not have to pay this charge and I have yet to receive this letter. This is ridiculous I should not have been charged again. I had to get a new charge card and block the merchant again. XXXX is the charge made on XX/XX/XXXX an XX/XX/XXXX. I called several times and received this treatment from several agents.
Consumer complaint received 2022-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

To whom it may concern, I, XXXX XXXX, made an uninformed decision on when I entered into the consumer credit transaction for this credit card on XX/XX/XXXX. There was no evidence of indebtedness, The only evidence of indebtedness was the agreement, however due to the uninformed decision the agreement is null and void Pursuant to 15 U.S. Code 1601. The terms of the agreement were not clear and conspicuous and the account has been charged off since XX/XX/XXXX. I have previously disputed this account and due to the inaccuracy it has been promptly removed from XXXX and XXXX. It is now adversely affecting my XXXX credit score.
Consumer complaint received 2020-08-24
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (OH)

I called them. Told me closed account due too inactivity. But it's a credit for dental office. Did not use credit due too corona viruses and offices closed at that time. They hurt my credit score. Like them too remove closed account. Or give me the credit back. I'm on XXXX going thru hardship too
Consumer complaint received 2020-08-23
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. (AL)

I have sent 4 letters to TransUnion asking them to validate some collections, charge-offs and a bankruptcy with the associated accounts on my credit report. I have asked them to provide written contracts and any proof these are mine. To this date, I have not received anything from them and no explanation on how they " validated '' these are mine. I sent a letter on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I am getting ready to send them my final letter with the intent of filing a lawsuit.
Consumer complaint received 2020-08-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (MN)

Every so for time I out money in my pay pal account or someone wants to pay me they pay me then limit my account so I can get to my money they are constantly taking my money and not letting me take it out I have had this account fir years and im tired of it I want my money
Consumer complaint received 2020-08-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: COLLECTION SERVICES OF ATHENS, INC. (GA)

The aforementioned credit agency representing XXXX XXXX XXXX has violated the FCRA and HIPAA by not providing documents to me in regards to this debt I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from all my credit files : XXXX, XXXX, and XXXX. The business is required to disclose to me all the documents that they have recorded and retained in their files that pertain to this debt. I have not sign or even authorized anything to the company. If Collection Service of XXXX does not have any documentation, they need to remove this from my credit file immediately. 

This debit collector has yet to provide a signed document with myself and them in any agreement and i would like it removed