davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-12-05
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Auto Trakk, LLC (PA)

This company have been a nightmare since the contact opened in XX/XX/year>. But my car was repossessed okay thats fine. & after they backdated dates to get away with selling the vehicle & I could not redeem it because they did not and still to this day will not talk to me about this account. Ive called today to discuss a billing error and for them to send me documentation of payments & a balance statement. They put me on hold for XXXX minutes and came back and said our management team said we sent documents out before well send an email but they said management said were not sending nothing else out have your attorney contact us. I do not have an attorney. I asked to speak to a XXXX and they put me on hold for XXXX minutes again then the phone disconnected. This is the third time Ive inquired about such information and they refuse to speak to me or mail anything out. & they said theyll email me the the contract but nothing else. I asked for the account statements of all payments made & last payment & also a printed contract & all other information pertaining the loan because of a billing error i suspect. But theyve been denying me for a year now. & today I called again. It is my consumer right to that information as it pertains my private information there is banking laws that states I have rights to documentation from an account and which Ive disputed or believe there is an billing error. & theyve emailed the contract to be in the past but its yellow highlighted that covers the words in a lot of the paragraphs away so it only shows me certain parts of the contract. Seems fishy too like theyre hiding the or misleading me or furnishing a false contract of mines. 

I can not see because of my blurry eye problems that medically have. I can not look at a screen for long. It will burn my eyes and cause me to feel dizzy, headache & strain in my face which hurts alot. Please work with me as I am asking nicely. Non compliance is violation & also XXXX become discriminatory as well.
Consumer complaint received 2022-06-07
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. (PA)

Because the traditional Credit reporting agencies are not the regulated Bureau, nor have they consulted with me to advise me what all would be disclosed to the public nor if did consult with me to see what i want reported. These practices are in violation of my Right to Privacy. The Equal Credit Opportunity Act states that all are equal under the law as all individuals ( the people ) must rely on the full faith & credit of the united states. Its because of these agencies that estoppel hender americans from access to the credit required for a better living experience with their families. Especially since the gold and silver been rules illegal. We can find any remedy. Then the bureau doesn't even respect the will of the consumer. What is this? Please instruct all agencies to cease and desist from reporting on my private business. Thank You.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

A few years ago I cosigned for a car loan For my son and it went through XXXX. Recently, my son refinanced the car so that my name could be removed and he would get a lower interest rate. I got a notification saying that the account was closed which dinged my credit again and it shouldve stated in all credit bureaus account in good standing paid in full. The loan was paid in full and transferred to another bank.
Consumer complaint received 2024-12-05
Product: Credit 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: U.S. BANCORP (TX)

I had a business credit card with XXXX XXXX with a limit of XXXX after a few months, I had a balance of $ XXXX was due XX/XX/XXXX, XXXX days later they reduced my limit from XXXX to XXXX for no reason.
Consumer complaint received 2022-09-22
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDEN 1 CREDIT UNION, THE (CA)

I want to know if I am eligible for the Civil Penalty Fund through the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010 to provide compensation to consumers who have been harmed by violations of federal consumer financial protection law. Golden 1 Credit Union misappropriated funds from my trust account into my stepmothers without my permission. My father was on the trust account with me while the stepmother wasn't. I am the Executor and Trustee of my father 's living trust. Golden 1 Credit Union had a copy of this trust in the branch where the fraudulent transactions took place. The application for the trust account was signed and notarized at this branch as well. This is egregious that Golden 1 allowed these transactions to take place. My father died a month later after the last transaction from XXXX. So Golden 1 allowed an XXXX old man to empty out his life savings to his wife who was never on the account.
Consumer complaint received 2022-11-30
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: TEXAS CAPITAL BANCSHARES, INC. (IL)

XXXX Bank XXXX my account without my knowledge or consent on or about XX/XX/XXXX. As of XX/XX/XXXX, XXXX Bank has not contacted me nor restored access to my account or its funds, despite my repeated telephone calls requesting they restore my access. During the phone calls they refused to transfer the call to a XXXX and also refused to transfer the call to the security department. Others have reported very similar problems on XXXX Bank 's XXXX XXXX XXXX page.
Consumer complaint received 2023-02-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: ARVEST BANK GROUP, INC. (DE)

I received a Marketing solicitation from Arvest Bank. I do not have any relationship with them. When I emailed them to ask me to remove my address from receiving marketing offers they responded to a link where I can do that. Any other bank would have taken care of the request instead of making it difficult to do. 

When I went to the link it makes you put your account number and social secure which are mandatory fields. So clearly it was for existing Customers. When I replied back their replay was another link for the Do NOT Call List. Which only asks for phone number which makes sense because it IT a DO NOT CALL LIST opt out.
Consumer complaint received 2022-06-07
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. (MI)

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2024-12-05
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (NY)

I have a XXXX credit card through CitiBank/Best Buy. On XX/XX/XXXX the credit limit was {$5500.00}. On XXXX I made a payment of {$3000.00} to lower my debt on the card in anticipation of a charge that was going to be made. A few days later, that charge was placed on my account for a maximum of {$330.00}, but it could have been lower, it was a lottery charge. On XX/XX/year> I received notification that my credit limit was being dropped down to {$3100.00} where it currently stands. This was immediate and with no warning. I had no room to dispute or ask for delay. I immediately placed another payment of {$500.00} so the charge of {$330.00} would clear, as this would place my account far too close to the credit limit. I had to previously ask credit services to push through the {$3000.00} charge, and they were kind enough to do so. But this time with the {$500.00} it was a total nightmare. I spent a good chunk of the day on the phone being passed around different departments and at one point was even referred to XXXX who had nothing to do with the payments. They eventually pushed my payment through, and I lost out on the purchase. It was declined, and I lost my chance at what I was trying to purchase. I have made 3 payments of {$200.00} since, and not a single one of them has lowered my credit balance. Citi seems to be refusing to apply my payments to my balance. I am not going to go through the process of calling and fighting with them again. I am also worried they will drop my credit limit again out of spite. I have being continuously denied more charges because of this despite clearly having the proper account balance. The discrepancy is in the " available credit '' which they will not lower. Today, my account balance shows over {$500.00} less than the credit limit, but my available credit is negative {$83.00}. I had to fight them again today just to get my account semi-cleared to use for something else, and I still couldn't use it to the full capacity. 

I filed a complaint with CFPB in XXXX hoping for a remedy to this situation. CFPB was able to get a response from the company to me, but the response was very poor and they did not address the initial issue, instead blaming me for poor credit, although my payment history with this card has been spotless. Then this past week they closed my account and card without warning. I feel this is retaliation for filing the CFPB report. Initially I did not want further action taken beyond my account limit being restored and an acknowledgement a mistake was made, but now I am asking for more including a full restoration.
Consumer complaint received 2024-12-05
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ability Recovery Services, LLC (GA)

AccounXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear collection agent, I took a look at my credit report and saw a collection from you reporting on my credit. I am unaware of this debt and why it's even on my credit report. So therefore as allowed under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you allow me to validate the alleged debt. I am aware based on what you are reporting that there is a debt from XXXX XXXX XXXX, but I am unaware of the amount due since there is no breakdown of any fees. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXXXXXX XXXX XXXXor them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore my request is twofold-validation of debt and HIPAA authorization XXXX Please provide a breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until the debt has been validated by me. Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with the above requested proof. Upon receiving it, I will correspond back by certified mail, Letter to collection to remove debt
Consumer complaint received 2022-06-07
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. (IL)

On XX/XX/XXXX I authrized a payment of {$43.00} on XXXX acct # XXXX when XX/XX/XXXX came I found out that my promotional rate had ended taking my {$800.00} balance to {$2800.00} I was very upset to hear this information since I had just paid the bill on XX/XX/XXXX and no letter no email was sent to inform me of these upcoming changes. After learning of these new charges I CLOSED the account without payment on XX/XX/XXXX and to this day never authorized or consent to any payments or payment arrangments on said account. XXXX then started Reporting on XX/XX/XXXX on my credit file payments made from XX/XX/XXXX till XX/XX/XXXX then the account went back into 30 days late status on XX/XX/XXXX the account reached charged off status on XX/XX/XXXX then XXXX started reporting additional payment made from XX/XX/XXXX thur XX/XX/XXXX after the account had been c/o and sold. I have reached out to XXXX several times in regards to this issue and they have continued to make minor changes to my report giving it a updated status when the issue has never been addressed which is ( WHO AUTHORIZED/CONSENTED ) to these payment that's been applied to my account without my consent I have never contacted XXXX to this day about payment when I asked XXXX who how these payment came about they have never addressed my concern only directed me to the debt buyer ( XXXX  ) my concern Is not with who owns the debt. But the information XXXX is reporting on the original debt that only XXXX has reported not XXXX XXXX reporting such payments received has ILLEGALLY changed my date of first delinquency and is FALSELY manipulating the statue of limitation on how long a lender can report a debt. not only that XXXX has flipped flopped so much information so many times including changing my first date of delinquency from XX/XX/XXXX to XX/XX/XXXX from a charged off account to repo account and back to c/o account after certifying with the three major credit bureaus all information is accurate and true each time admitting one of XXXX reps made an error in reporting my information still refuse to delete the trade and still to this day can't explain to me how these payment came bout without my knowledge or consent I have also reported Alphaeon for FRAUD, WASTE, MISCONDUCT so that this matter can be investigated to the fullest of the law. I am the solo owner of this account and I mad no such payments never agreed or consented to many payments, payment arrangements made after XX/XX/XXXX in the amount of {$43.00} which in fact would make my first 30 days late XX/XX/XXXX .... how did these payment come about on my account
Consumer complaint received 2024-12-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NV)

I purchased fake tickets to the XXXX XXXX XXXX XXXX by XXXX XXXX  XXXX and have plenty of evidence to prove the festival didn't happen. The bank first refunded my money for the tickets which was {$260.00} and today I received a letter that the money will be charged to my account on XXXX, the bank will not help me and said I have to figure it out myself.
Consumer complaint received 2022-06-07
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. (GA)

Hi I am submitting this XXXXXXXX XXXX XXXXXXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-11-30
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. (IL)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.