davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-28
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 (NJ)

On XX/XX/XXXX, I received an email from Capital One stating that my credit limit changed. Without any prior warning, Capital One reduced the credit limit on my credit card by 67 % ( from {$15000.00} to {$5000.00} ). The reason? Because I've " only been using a portion of my credit limit ''. I have been essentially punished for being a responsible spender of my money, and for paying off my balances every month, on time, in full. In addition, not only did they not give me any warning or grace period before this reduction, they are reducing my credit 10 day before I close on a house! The mortgage lenders will be running a final credit check before closing and even though I have done nothing but be careful and responsible this entire period prior to closing, Capital One will negatively impact my credit score and credit utilization percentage because they felt I wasn't carrying a high enough balance on my credit card and spending heavily during a national pandemic. When I called their customer service line, I was told there is nothing they can do to move the credit limit back up, nor can I submit the request for 6 months. They also indicated to me that my average monthly spending has gone down this year compared to last year, in which I had to remind them, due to the pandemic, I am no longer spending $ XXXX dollars commuting to work among others expenses I need to cut back on during this time. I received zero empathy, understanding, or help from their company. I have had credit cards since XXXX at various issuing banks and I have NEVER in my life encountered this. I always pay my bills on time, in full, and as a result am punished rather than rewarded for my efforts. Without warning.
Consumer complaint received 2020-08-28
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: SYNCHRONY FINANCIAL (TX)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days. I am also aware that the credit bureaus have been given and additional 15 days due to Covid-19 to reply to investigation. That time frame has also pasted. I haven't received any investigation results.
Consumer complaint received 2022-11-19
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. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

On XX/XX/2021 I sent a very detailed affidavit of truth with evidence of all the issues I had with my credit report with evidence. I have attached that below. Experian responded back with a generic response saying " the debts were validated '' but they did not ever show me any original documents from any of the creditors that are on my credit report. I am the natural person thus the original creditor. I entered a consumer credit transaction with these organizations and extended them my credit and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, in which constitutes fraud, the alleged interest not included in the finance charge ( sum of all charges ) Pursuant to federal law, they have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that they claim I owe. Not one single account that I requested proof of validation was ever sent to me. I have expressed this issue to Experian, and it is well over 30 days since then and I am demanding that the invalidated debts be removed from my credit report.
Consumer complaint received 2020-08-28
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC (TX)

I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files.
Consumer complaint received 2022-12-14
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. (NJ)

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute accounts in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CLGF Holdco 1, LLC (FL)

I applied for a credit card in XX/XX/2022 in the process of the card being shipped out i moved to a new address I called milestone updated my address they told me they had already mailed a card for me so o they were going to cancel it and mail me a new card to my new address I didnt receive the card till like a month and a half after they said they had issues with the plastic company who does cards and there was a delay so I finally receive the card in the process of activation the card was blocked so I call again to see whats going on then they tell me that the card was blocked for fraud they ask me to send several documents over to verify my identity I sent over a fax with my bank account statement a bill and my drivers license several weeks pass by and I call again and they said my DL was unreadable so I re fax it a few days pass by again and so I called to verify if it was readable and today for my surprise they say my DL is not valid and Altered and they closed my account permanently my DL is not Altered in any way all i did was capture a photo and fax it over I use this DL everywhere i have never had any issues anywhere this is not my first credit card Im feeling like the company is just a scam
Consumer complaint received 2021-12-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

My name is XXXX XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The 3 Credit Bureaus are reporting inaccurate information on XXXX XXXX  XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

XXXX XXXX XXXX XXXX Opened : XXXX/XXXX/2017 Balance : {$13000.00}
Consumer complaint received 2020-08-28
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (MO)

Closed my account with insufficiently. Due to virus my employer was behind on payroll. He did agree however to pay monthly bill in addition to my monthly payment. Past history shows this was done successfully thru past year. Last few were unsuccessful but note these were in addition to my regular on time every month payments. These that didnt clear were additional payments. Ive had XXXX accounts over the years and paid first XXXX in full and always paid on time every month on this account. Employer was behind on payroll and offered to make extra payments to compensate to the account. I had no idea these didnt clear until now
Consumer complaint received 2024-08-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (HI)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2022-07-02
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. (TN)

Received copy of credit report due to COVID-19. Account with XXXX credit limit {$1500.00} is an open account that I did not authorize. I am a victim of identity theft this account by XXXX Bank, Account # XXXX is a result of fraud. I have notified XXXX Bank and they have failed to properly investigate and resolve the issue. I believe XXXX is opening accounts in people 's names illegally.
Consumer complaint received 2022-11-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

I have returned an item back to XXXX back in XXXX but then XXXX charged my capital one credit card again for XXXX dollars on XX/XX/2022 so I disputed the charge with capital one but then capital one charged my credit card again for XXXX dollars claiming that XXXX gave me a credit for that dispute which is WRONG. I did NOT receive a credit for XXXX dollars from XXXX for this dispute. The credit that XXXX gave me was for a different item from a different order which I also returned back to XXXX so that credit of XXXX dollars from XXXX is for a different item returned back and has nothing to do with this dispute so capital one needs to reverse the charge of XXXX dollars that they charged me on XX/XX/2022 My dispute for the XXXX dollars should still stay open and I should still get this dispute resolved to my favor because the item was returned back to XXXX as shown in the tracking number that I am attaching to this complaint and I will also attach the other item that XXXX gave a refund of XXXX dollars which is completely different item and order and has nothing to do with this dispute Capital one should have never charged me back for this dispute because I did not get any credits from XXXX for this dispute Capital one dispute case number XXXX The dispute for XXXX is for a XXXX XXXX Shoes And the credit given by XXXX is for a different returned item which is a XXXX XXXX  so these are completely different orders and returns and have nothing to do with each other
Consumer complaint received 2021-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX Bank & all 3 credit Bureaus are reporting me late in XX/XX/XXXX & XX/XX/XXXX, I paid 3 payments ahead anticipating major surgegy. XXXX or Credit Bureaus have not been of any help The one account due to neglience dropped my score 100 points.
Consumer complaint received 2021-12-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Capital one refuses to allow me to charge over the {$10000.00} credit limit they have given my small business, even when I have paid credit balances in advance for known future purchases. Never has any balance amount sat on my account for more than 1 month. I constantly use and replenish the amount, so that I do not suffer the indignity of a declined card, despite having the money on the card - prepaid. 

capital one sent me a {$4300.00} check in late XXXX. I shredded the check. I instructed them to put the money back on my card balance, because I had thousands of dollars of charges forthcoming. Also because they had reduced my balance by nearly {$4000.00} dollars because of charges, after they had made the refund. 

I spoke with XXXX who said she would see if I had to cash the check. Capital one can not force me to cash a check. I had shredded the check and unless I cash the check the money remains on my account. XXXX placed me on hold and after several minutes, disconnected the call without coming back. 

Capital One can not force me into arrears, etc by sending back a check that paid for charges before hand. I am not going to cash a check only to send the funds back to them. 

I called back and spoke with XXXX. XXXX said I had to cash the check and then resend the funds. This is not acceptable. The call was recorded and can be provided.
Consumer complaint received 2020-09-04
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 (CT)

ON Sunday, XX/XX/XXXX, CapitalOne sent me an email advising i had a secure message to read regarding my Capital One Credit card accounts The message advised that Capital One was lowering my credit limit to {$5000.00} ( from {$13000.00} ) because i was " only using a portion of my credit limit. '' I subsequently received a letter vis USPS I called Capital one to question the decision - i ... I have been a customer for 7 years, i used their car every month and NEVER missed a payment. 
They told me they could not help me, to reapply for a credit increase in 6 months I filed a complaint on social media with the same response I will be XXXX this month - I believe this is an age discrimination issue
Consumer complaint received 2020-08-28
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: CAPITAL ONE FINANCIAL CORPORATION (AL)

On XX/XX/XXXX, CAPITAL ONE requested and obtained my XXXX consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, et seq. I have attached a copy of the subject inquiry.  Under the FCRA, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title XXXX, imprisoned for not more than 2 years, or both. 15 U.S.C. 1681q. 

CAPITAL ONE conduct has violated my privacy and I am very upset by the privacy invasion. I am prepared to sue CAPITAL ONE for statutory and punitive damages, costs, and fees. However, I am open to resolving this matter via a prompt, amicable resolution. Accordingly, I offer to settle my alleged legal claims against CAPITAL ONE for {$1000.00} U.S. To accept, {$1000.00} U.S. must be delivered to my address above by XX/XX/XXXX. Note, settlement of this claim shall carry no implication of liability or culpability. Your failure to accept this amicable demand herein may result in me filing a lawsuit. 

Due to the nature of this allegation, I have copied, and this letter shall also serve as a formal complaint to, the Consumer Financial Protection Bureau ( CFPB ) and the Alabama Office of the  Attorney General Consumer Protection Division.
Consumer complaint received 2020-08-28
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: Bread Financial Holdings, Inc. (TX)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days. I am also aware that the credit bureaus have been given and additional 15 days due to Covid-19 to reply to investigation. That time frame has also pasted. I haven't received any investigation results.
Consumer complaint received 2022-07-01
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. (CA)

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

XXXX/TD # : XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX CO L ( Original Creditor : XXXX ) XXXX, US DEPT ED XXXX, DEPTEDXXXX 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : that no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of conviction of crimes which antedates the report by more than seven years.

15 U.S.C 1681S-2 ( a ) ( 1 ) Section States : That a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-06-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: HSBC NORTH AMERICA HOLDINGS INC. (NJ)

I used this credit card 4 a balance transfer ... b4 it became due I paid them off ... however I sent too much money ..now they refuse to send back the overpayment back to me. I've called numerous times requesting my close to {$1900.00}. Funds in overpayment back to me ... .this credit card refuses to do so ... please help
Consumer complaint received 2020-09-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY (FL)

I have been trying to dispute fraudulent use of a American Express that I owed. I made all efforts with the company to dispute the charges, Tried to dispute by using XXXX XXXX all that I got from them was previous statements, not the proof of purchase I requested. I got tired of disputing the charges and stopped payments to this account. Them they sold the balance for collection agencies without giving me the chance to dispute the charges and are now tried to collect a balance that I don't owe! It is frustrating and unfair how those companies make huge profit from charges they know people don't owe. They prejudice the lives of people without fear of being bothered. I am fighting for justice. They must stop this!
Consumer complaint received 2020-08-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KS)

I have repeatedly tried to log into my BOA account in order to schedule my payment for XXXX. BOA keeps stating they are sending out a numeric password to validate the login and they never send it. I have repeatedly sent in requests today for it to be sent to the e-mail address on file as well as a text to my cell phone number. Nothing is sent. 

I am requesting Bank of America fix their technical problems so I can properly schedule my payment.
Consumer complaint received 2022-12-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (CA)

We reserved rental car on XX/XX/2022 from XXXX on line and fully paid the amount of {$510.00} using my Amazon-Chase Credit card. Pickup date : XXXX XXXX and return date : XX/XX/2022. Location : XXXX ( XXXX XXXX XXXX ). 
Booking Reference : XXXX. I am XXXX XXXX XXXX and designated by my XXXX XXXX as XXXX due to XXXXXXXX XXXX XXXX and can not walk more than 50 feet. My wife is XXXX XXXX XXXX XXXX and has major knee problems. On XX/XX/2022 ; I received an email from XXXX  changing the pickup location from XXXX  XXXX, inside the airport to unknown outside location where we have to exit the airport entirely and take a Bus with " Parking Go '' logo on the front. They also indicated that they are very sorry about the inconvenience due to this change. I immediately tried to call the number on the reservation voucher and no answer. I wrote an email to the address on the voucher and requested the cancellation of my upcoming reservation due to their location changes and we both have knee problems and can not speak XXXX  language. My email was delivered and my reservation was not cancelled. I protested it with Chase Bank and they sided with the XXXX claiming that I agreed when reserved of no cancellation but, I do have legitimate reason to cancel and be refunded. Pickup location was inside the XXXX as clearly indicated by XXXX, then the location was changed to go by a buss outside the airport with different car rental company. It's totally legitimate and I have the right to cancel. I tried twice with Chase and did not get anywhere. Chase should side with me and return my money. I am requesting your help with this issue.
Consumer complaint received 2020-08-28
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)

The accounts listed are not related to any transactions done by myself. I took the time out to reach out to the listed company and they prompt me to reach out to you guys regarding the inaccuracy/fraudulent accounts listed on my credit report.
Consumer complaint received 2020-11-19
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: Professional Finance Company, Inc. (AL)

Failure to comply on XXXX  and XXXX request. I NEVER received a response or any proof to verify under FCRA 623 ( a ) ( 8 ) on these accounts : 1. ) PROFESSIONAL FINANCE C XXXX Date Opened XX/XX/2020 Balance {$1000.00} 2. ) PROFESSIONAL FINANCE C XXXX Date Opened XX/XX/2020 Balance {$250.00}