davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

when i opened my credit report i saw an offer that indicated that i should put my information to accept an offer that was suppose to check my final qualification without affecting my credit which turn out to be false because it immediately affected my credit as an inquiry, it is a false advertising and confusing at the best
Consumer complaint received 2019-05-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

XX/XX/2019 Deposited a check for {$4000.00} I wrote from a business that I own into my personal account at Bank of America via the ATM. The ATM must have scanned the check as reading {$9000.00}? I have not been able to confirm the ATM 's error with anyone at Bank of America, this is just my theory? 

XX/XX/2019 Bank of America debits my account for {$5000.00} leaving the pending deposit equal to the {$4000.00} amount of the check. 

XX/XX/2019 they {$4000.00} is subtracted from my business account at XXXX XXXX XXXX. 

XX/XX/2019, I notice a hold on my account at Bank of America for {$4000.00} that will be released on XX/XX/2019. 

I called and spoke to customer service. They explained that the error of the check being scanned at {$9000.00} has caused the check to be held to confirm funds. There is nothing that can be done to correct this situation. 

I understand that errors happen. I'm guessing the technology of the ATM didn't scan my check accurately. BUT, they can correct the mistake immediately by debiting my account for {$5000.00} but can't verify the funds are available in less than 11 days! 
During this process I had to make a cash deposit of {$4000.00} so that I may pay my bills! Mortgage payments, auto loans, XXXX, etc etc. This has now tied up {$4000.00} in the check amount on hold and caused me to use {$4000.00} additionally in the cash! Operating a business that is 100 % dependent on cash this is causing revenue loss. I am more than understanding that I should have more closely looked at what the ATM scanned the check for, but holding thousands of dollars for 11 days seems excessive. With the technology to move funds the way they are today this seems very unnecessary!
Consumer complaint received 2019-05-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMERICAN EXPRESS COMPANY (FL)

AMERICAN EXPRESS CHARGED PENALTIES AND LATE FEES-AFTER DEBT WAS PAID. ACCOUNT WAS CLOSED. THE SMALL WINDOW OF A COUPLE DAYS HAD THEIR SYSTEM CHARGE A CLOSED ACCOUNT AND AFTER NOTIFICATION ADD ON A PENALTY, THEN IN SUBSEQUENT MONTHS CONTINUE TO CHARGE A LATE FEE-SEND IT FOR COLLECTION ; ALL AFTER THE MORE THAN $ XXXXWAS PAID AND RECEIVED BY AMEX. AFTER 45 YEARS WITH AMEX-THAT DID NOT MEAN ANYTHING. THE LANGUAGE BY CUSTOMER SERVICE WAS INTIMIDATING ; AND ATTEMPTS TO BARGAIN FOR EXTRA PAYMENTS MADE.
Consumer complaint received 2019-05-09
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. (NY)

To whom it may concern I had a XXXX XXXX account opened XX/XX/XXXX. Had over a 8 year relationship with them. Account was closed by XXXX due to them not being able to get a hold of me to confirm if it was me or not. 

Since I always paid on time and never had any problems with them they agreed to remove this closed account to all the credit reporters which was closed XX/XX/XXXX. 

After speaking with them several times this has still not been done. I always asked them to put in there notes. This way no one is confused as to what was said.
Consumer complaint received 2019-05-09
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. (NY)

To whom it may concern I had a XXXX XXXX account opened XX/XX/XXXX. Had over a 8 year relationship with them. Account was closed by XXXX due to them not being able to get a hold of me to confirm if it was me or not. 

Since I always paid on time and never had any problems with them they agreed to remove this closed account to all the credit reporters which was closed XX/XX/XXXX. 

After speaking with them several times this has still not been done. I always asked them to put in there notes. This way no one is confused as to what was said.
Consumer complaint received 2019-05-09
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. (WA)

XXXX  and Transunion are reporting an incorrect coding of the XXXX XXXX partial account number ****XXXX. This account is being coded as an M5 when actually this needs to be coded as an M1. ( Please see pages 6 and 7 of the attached credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2018-10-30
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (FL)

I have contacted Navient my student loan server beginning XX/XX/XXXX regarding my student loan debt. I continue to get the same response of high interest and lack of non payment. I informed Navient that I was a public service employee since XXXX and have not received any loan forgiveness or loan reduction. I request loan information from the school and the Department of Education. It does not show how my loans have matriculated to more than XXXX. I believe that Navient formerly Sallie Mae steered me towards multiple forbearances and deferment due to my low income and provided unclear information about how forbearances and deferment would affect your student loan debt over a period of time. They were misleading to incur additional dollars from interests from student loans. I also I indicated I sent in several public service applications and up until last year I was advised to contact the department of Education to again consolidate loans. It is a game of catch up by Navient in advising the borrower to consolidate loans to start the process all over again.
Consumer complaint received 2018-10-30
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

To whom it may concern, On Saturday, XX/XX/XXXX, approximately XXXX XXXX   Central Standard Time, I visited the Capital One branch located at XXXX XXXX XXXX, XXXX, TX XXXX. Due to technical issues, the branch employees were unable to pull my account information for an auto loan payoff transaction. One of the bankers was out in the main lobby with her laptop attempting to verify customer information and proceeded to ask for my personal information to assist. She asked me to verify my last name, address, and social security number out loud. I proceeded to verify verbally in a hushed tone, however, she loudly repeated my responses of my personal information to verify accuracy while there were other people in the vicinity and including the person that was with me buying my vehicle by paying off my auto loan. This is a clear and blatant breach of my privacy and my personal information. The person with me buying my vehicle heard her clearly and could easily recall my personal details after the fact. This banker completely disregarded and violated my privacy while being aware that we were in the middle of a busy lobby with people only a few feet away from each other that could listen in on her repeating my personal information out loud. Not only is this unprofessional behavior, it is unethical and illegal. 

1. I want to know if bankers conducting verification of customers personal information by repeating this information out loud is standard procedure at Capital One. 
2. What remedies are available to me now that my personal information has been compromised by Capital One? 
3. What actions will Capital One take to mitigate this failure to protect my privacy and undoubtedly the privacy of other customers? 

Additionally, based on the response by Capital One, I will consider legal remedies to my loss of privacy due to the negligence exhibited by this capital one employee. I also feel that the local public needs to be aware of these practices as they are risking their private personal information by conducting business at this branch with Capital One.
Consumer complaint received 2019-05-09
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: BARCLAYS BANK DELAWARE (TX)

I went to XXXX XXXX in XX/XX/XXXX and assist to a metting for timeshare with XXXX XXXX, they made us an offer of XXXX points per year that we could use for Vacations at any place USA or National The Hotels or Resorts for {$8500.00}. When we made the first Payment we where available to see the value of the points. What they have available are for XXXX points per night ( with the original cost of {$75.00} - {$100.00}  regular price for public ) in Three Days the XXXX points will be gone, is a fraud we have to make payments of $ XXXX  monthly {$1500.00} per year plus like {$600.00} taxes per year total cost per year {$2100.00}  my husband and I where thinking in somenthing nice they show us a beutiful Resort in XXXX XXXX. When we try to look for our vacations nothing is true with the only options that we have are worth like {$300.00} and they still charge other fees. They are a scam How is posible that they want us to pay more than {$2000.00} dollars for something that we could pay for {$300.00} or less and only when they have something available. Plus they used our information for a Credit Card they never tell us That we where applying for a credit Card. XXXX/XXXX XXXX check our Credit with OUT our ahutorization for Credit card ( BARCLAYS BANK DELAWARE ) in XX/XX/XXXX. And they Check my CREDIT again in XX/XX/XXXX ( XXXX XXXX XXXX ) I never ahutorized that. I TRY to CALL them the phone that they Have is incomplete the same for the credit Card I have no Idea how to talk to them. Could you Please help me. 
I freeze my Credit and I change my Accounts numbers
Consumer complaint received 2018-10-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (MD)

My family ( XXXX  travelers ) traveled from Washington, DC to XXXX on XX/XX/2017 and all our bags were lost in that flight. We received the bags days later and some items were missing from the bags. We filed a claim with XXXX XXXX and XXXX XXXX carrier of last flight ). We also called American Express on XX/XX/2017 and the representative indicated that expenses incurred because of delayed bags were covered by our travel insurance with the credit card that we used to purchase airline tickets. We opened a claim with American Express ( number XXXX ) and to our surprise it was closed unilaterally by American Express months later. We have been calling and writing to the XXXX repeatedly and American Express as well. The XXXX are not responsive and American Express is asking for an airlines letter rejecting coverage before proceeding with the claim. I find my situation helplessness as I am submitting this complaint against American Express for failure to provide travel insurance coverage.
Consumer complaint received 2018-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (GA)

have had Experian credit monitoring services for more than 15 years. Begginning about XXXX of 2018 I could no longer log on to my account. Have followed all protocol on Experian site to correct problem with no success. Have called - can not get to a person - only ends in dead end. Have emailed and have written letters to their XXXX   Customer Care address. No response going back as far as XXXX of 2018 ( earliest email ) and as recent as yesterday ( last email ) and 4 letters in between. Sent another letter today with cc to CFPB - XXXX XXXX.
Consumer complaint received 2018-10-29
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. (LA)

XXXX XXXX XXXX Bankruptcy cas no XXXX date of birth XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX la XXXX date XX/XX/XXXX My complaint is with Experian and XXXX credit bureaus the problem is Experian and XXXX   are reporting information they obtained from a third party. That not report accurate ( XXXX, pacer XXXX XXXX XXXX, ( XXXX, XXXX XXXX, I contact these company to freeze the account. I disputed the information of the bankruptcy with Experian and XXXX, I have supporting documents to support the information. The US BANKRUPTCY COURT dose not report to Experian and XXXX they refused to remove the reporting bankruptcy. this is violation of credit reporting third party, Disputed this information this month XX/XX/XXXX XXXX attachment thank you your assistant sincerely XXXX XXXX XXXX
Consumer complaint received 2018-10-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One closed my credit account arbitrarily and without notice in XX/XX/2018. I never received a letter and was never sent an email giving me notice that my account would be closed. This was my oldest credit account, and as a result of the closing, my average credit age has suffered and my credit score has decreased significanty. This has directly monetary impact to me due to interest rates.
Consumer complaint received 2018-10-30
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Waypoint Resource Group, LLC (FL)

XXXX XXXX took my inactive account and turned it over to XXXX XXXX XXXX. Way point contacted me several times about this debt and they continued to call often. I told them that I would handle this debt as soon as possible. I called Way point and made arrangements to pay this debt and asked if I could get a receipt that this debt was a one time payment and the amount that they settled on was {$800.00}. I did receive a receipt from them that it was paid, this was XX/XX/2018 abt XXXX. I then contacted XXXX XXXX and stated that I had paid the debt and wanted see if I could get a letter or email from them that stated the bill was taken care of that they had turn this matter over to Waypoint. The supervisor on XX/XX/2018, Mrs XXXX stated that that not something they could do and that I would have to wait 90 before they could give me anything, I stated that all I needed was a email or letter from them so I could reference them giving Waypoint the account on my credit report so I can move forward on getting a loan for a house. Waypoint stated that the letter or email I was trying to abtain would have to come from XXXX. I spend all day on the phone XX/XX/XXXX going back and forth between the two and no resolution. Please help with this matter.
Consumer complaint received 2018-10-30
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: BRite Financial Services, Inc. (WI)

This is NOT a duplicate it is a response to complaint # XXXX. 

I still have NOT received an itemized statement including pay off to date. Extended warranty amount should be subtracted from principle. 

What is the actual amount due the documents attached to the complaint # above have a different amount. 

The 15 days hadnt been allowed per WI cure to default laws. 

XXXX XXXX
Consumer complaint received 2022-11-29
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. (PA)

In XX/XX/2022, Experian investigated a debt collection on my credit report and the debt collection and hard inquiries was removed from my credit report after investigation. However, it has been 30 days and my credit score is still poor and did not increase after the errors were removed.
Consumer complaint received 2020-12-06
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: Experian Information Solutions Inc. (DE)

I have filed a dispute in regards to inaccurate information reporting on my credit report. It has been well over 60 days and I haven't received any investigation results. I have accounts that are reporting inaccurate on my credit report. There are accounts that I will list that says I have missed payments when I have always paid as agreed. Also my information has been exposed In the XXXX data breach and I need the accounts that have been opened due to my information being exposed deleted. This is a violation of the FCRA and they have to be reported correctly.
Consumer complaint received 2023-11-21
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NE)

I've never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind. I respectfully ask for an immediate correction to my account and hope you understand the urgency of this situation.
Consumer complaint received 2018-10-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

On XX/XX/XXXX I was approved for a Bank of America Premium RewardsCredit Card, with a sign-up bonus of XXXX points if you spent $ XXXX in the first 90 days of the account being opened. They have denied my sign-up points for not spending the $ XXXX, even though I have spent $ XXXX within 90 days of my statement balance date, which was XX/XX/XXXX. 

They have said that the time starts when you apply for the credit card, however I believe that your statement balance would be the start of your 90 days. If the application date was your open date then shouldn't that be when my statement date begins? this seems to be misleading that your account is considered open but your statement dates do not match these. I spent the $ XXXX within that time frame but have still been denied the bonus points. 

I have called them multiple times, the first time I called, after I met the $ XXXX, the representative said I had met the requirements and the balance should be credited soon and to call again if I do not see the credit. When I called because the points were not credited I was told that I did not meet the requirements.
Consumer complaint received 2018-10-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (VA)

In XXXX of this year I called Bayview Loan Services and ask why, when I call to make my mortg payment, they keep stating that I am a month behind on my payments. Then they started sending me threatening letters to take my house if I don't pay the late month due. I did my research just to prove that I was not the crazy one here - then called Bayview and ask them to send me proof that I was behind and when it started. They sent me the info and if the person that printed it out had bothered to read it they would have seen that they were proving my case and not theirs. Nothing was late! So I called them back and spoke with XXXX and she looked into it and got it all straightened out. And even told me I had a credit on the books that I ended up using toward the next months mortg pymt. Then in XXXX of this year I noticed my credit score had taken a deep plunge because Bayview had reported me 30 days late on my mortg. I  contacted XXXX XXXX and they investigated the issue and BAM! - my score increased by 60 points because Bayview had once again acknowledged their mistake. Now, I have started getting late notices again and letters threatening to take my house. HERE WE GO AGAIN!!!!!!!! Again I called and spoke to XXXX and she acted like she was clueless. I ask if they take notes on previous issues! Why do I have to go over this again! She said I missed XXXX of 2017s pymt. Well - that was the month they took out an extra {$500.00} from my account. Yes - for a reason they have yet to explain, they took from my bank account an extra {$500.00}. Made some considerable hardship for me but they didn't care. Took me over a month to get the money back. How can a financial institution be so inept at keeping their records straight. They have not gotten back in touch with me after this last threat. Why are they allowed to conduct business like this and make so many mistakes and threaten constantly to take my house.