davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-25
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 (LA)

Capital One has failed to provide me with a detailed understanding as to why I have not been given any credit line increases on my credit card accounts with them. I have paid my Quick Silver and Platinum accounts on time each month and have also paid more than the monthly required payments. I have contacted Capital Ones ' CEO and other members of executive management via email numerous times, asking to contact me, in which they have all failed to do so. I have spoken to a few analysts from the executive office and requested the full payment history on both accounts since they have been opened, in which I have not received. I spoke to a manager of one of the analyst and was treated very harshly. In the letters that I have received from Capital One in regards to the credit line increases, the reasons for denials include, " average monthly payment is too low, and recent use of this account 's history is too high. '' All of which is false information, as I have not used the accounts much in the last months and have always paid more than the required monthly payments. I have asked Capital One analysts what are the required monthly payments to receive a credit line increase, in which they have not been able to do so.
Consumer complaint received 2018-11-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (GA)

This company is trying to collect a debt that is not mine, they are also reporting this in my credit without been properly verified as require by the FCRA 15 USC 1681 they are require to have properly verified this debt before placing this item on my credit report and have a hard copy with the original application with my signature on it as well as name, number, address, position held by person contacted to verified this debt. Note that a scrren shot is not unacceptable validation proof in a court of law. I am a litigious consumer and intent to use my right to clear my good name.
Consumer complaint received 2018-12-13
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. (MO)

This account was opened without my permission and several fraudulent charges were applied to the card. I disputed with XXXX XXXX and opened an investigation the account was CLOSED by XXXX XXXX This account was opened XX/XX/2017 account balance {$1000.00}
Consumer complaint received 2018-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Monterey Financial Services LLC (GA)

Monterey Financial continues to Re-Age a delinquent account, as well as increase the amount owed. The account was originally reported on my credit on or around XX/XX/XXXX. The account now reflects the open date to be XX/XX/XXXX. It also has increased by approximately {$2000.00} dollars from what was originally reported. I have provided information to the company that proves that the account should no longer be open, but they refuse to investigate with the original creditor as well as the business where the product was returned to and contract cancelled. The account number also continues to change within several emails and dispute inquiries.
Consumer complaint received 2020-02-25
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (NY)

My name is XXXX XXXX my XXXX XXXX card number is XXXX XXXX XXXX XXXX and my PC penny account number is XXXX XXXX my care credit account number is XXXX XXXX XXXX XXXX. My complaint is that I send in documents to update my social security number there told me that they received it and it will be updated by the XX/XX/XXXX. Then a week later they put a block on my credit cards never contact me at all. Then when I call them they tell me I have a full out a research paper to verify my social security number. I already did this and it was verified. But they never updated my accounts correctly I send in faxes to update accounts.
Consumer complaint received 2018-11-25
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 (IN)

Capital One refusing multiple requests for paper statements & status of claim filed with previous account holder ( XXXX XXXX XXXX ). Capital One is strong arming me into submitting them copies of drivers license, birth certificate or other copies of sensitive, identifying information. I refused, requested account be closed ( they refuse to confirm whether or not they've closed my account ) & questioned their claims of security due to them possessing the account less than 24 hours. ( I called the day capital one took over XX/XX/XXXX this year ). I will not submit these sensitive documents. I never had an issue when XXXX XXXX XXXX held the account. Regardless, every time I call inquiring about paper statements representatives ( 6+ so far ) keep repeating their demand for these documents & tell me they " will not address ANYTHING regarding account until they receive '' said documents. Total shutdown. I JUST WANT PAPER STATEMENTS, I don't know what my balance is, interest rate or minimum payment due. I JUST WANT MY PAPER STATEMENTS & capital one is refusing. 

I didn't ask to be Capital One customer, nor did I agree to their terms. However, denying me paper statements is unethical & irresponsible. Capital One wasn't too worried about security/fraud when they issued me their credit cards & cashing the guestimated checks I've been sending them in the mail. I JUST WANT PAPER STATEMENTS so I can pay them off asap & be done with them.
Consumer complaint received 2018-12-13
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

Back in XX/XX/XXXX or XX/XX/XXXX I called to set up a verbal payment arrangement that if I made XX/XX/XXXX payment that they would add my XX/XX/XXXX and XX/XX/XXXX payments to the end of my loan. Well since then at I file Bankruptcy but re-affirmed on my car loan to keep my vehicle. I have made my payments since then and this morning I went out and my car was reposed!! so I called them this morning and spoke to someone in the bankruptcy division and they told me that all I needed to do is pay XXXX and I would get my car back, so they transferred me over to the payment department. Well they told me that no I needed to pay them XXXX to get my car back- which I paid because I need my car to get to work!! But then I proceeded to ask them about the verbal payment arrangements I made back in XX/XX/XXXX and  they told when I filed bankruptcy that that became voided, but that was never told to me at the time of that agreement. My bankruptcy has been discharge and they came and got my car!!! But I was never notified that I was that far behind as I thought I had that agreement in place and was still making payments? I contacted my bankruptcy attorney as well and he said that this is not good business practice and that the time I filed my credit showed I was only XXXX behind on my car payments which would have been the tow that they agreed to add to end of my loan!!!
Consumer complaint received 2018-12-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BARCLAYS BANK DELAWARE (PA)

I received a letter from Barclays Bank in XXXX DE regarding an application that was placed in my name for a XXXX XXXX Credit card. I DID NOT apply for this credit card. The application number is XXXX
Consumer complaint received 2018-12-27
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. (NY)

I have a total title loan with XXXX XXXX that was made fraudulently and despite presented evidence they won't take it off my report
Consumer complaint received 2018-07-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC (TX)

Hi there, On Thursday, XXXX XXXXI used the XXXX app to transfer funds ( {$170.00} ). When I was placing this transaction I obtained an error through the XXXX app and the funds were never received by the recipient. I went to the XXXX app and there was no record of my transaction, but the money was still drafted from my account. On Tuesday, XX/XX/2018 I called my bank ( The local federal credit union in XXXX, TX ) and they stated that the transaction actually posted and was not a pending transaction or authorization. I then reached out to XXXX customer support and they informed me that the transaction failed and that they money should have been returned to my account. I then spoke back with my credit union and they told me that was not the case, that it was actually debited to my account and that there was no way to cancel the transaction, that it completed. After that, I spoke back with XXXX, this time on conference call with my bank. XXXX informed my bank that transaction failed and the money shouldn't have been debited from my account. My bank followed with that transaction did complete and there was no way to return the money, without XXXX issuing a credit. After about 15 minutes of back n forth conversation the XXXX representative said she would need to call me back after they looked further into it. I didn't receive a call back in what I would consider a timely matter so I called back. This time I was transferred to Tier 2 support where I was told the same things I had been told before, just in a more educated way I would say. The XXXX representative told me she would reach out to my bank and contact me within 48 hours. Thursday, XX/XX/2018 I call my bank and there is no record of anyone from XXXX calling them or any credits, so I reach back out to XXXX. I'm now told that, they don't contact banks and the funds should be returned to my account in 14 days. XXXX says they don't know where the money is and can't offer me any real solutions or even answers. I'm just exhausted after all the phone calls, waiting on hold, and even been hung up on. I hope there is something you can do Kind regards, XXXX XXXX
Consumer complaint received 2018-11-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc. (CA)

promised me lower monthly fees by allowing me to make interest only payments and not explaining that this would increase the total cost of the loan. Told me I could trade the car in in six months. XX/XX/2018 was my purchase time.
Consumer complaint received 2018-11-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: NAVY FEDERAL CREDIT UNION (FL)

Navy Federal Credit union is charging us over 14 % interest in credit card. We have asked them to support SCRA for military and was turned down. With 14 % interest we will never pay down our debt. This bank is suppose to support military but instead only wants money. Other companies who are not Military affiliated supports SCRA.
Consumer complaint received 2018-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I noticed that two credit cards were opened under my name in XX/XX/2018. I'm working with a financial counselor now to correct these mistakes as they negatively impacted my credit and I am now receiving statements regarding these debts. We filled out a report on Identitytheft.gov and contacted the credit bureau and creates a security freeze on my accounts. An account with XXXX is under my name now with a balance of XXXX and an account with XXXX with a balance of XXXX.
Consumer complaint received 2018-11-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

i am having this credit monitoring issues from XXXX. i have been already filed some complaints on trans union, XXXX and other credit bureau companies , because of these companies am paying my car interest APR is 18 % and my car insurance XXXX , where every one used to pay XXXX . i have asked many of customer care persons of that particular companies but no use. those companies holding grudge and taking very personally and making me to face very hard time, because of these companies i am not getting any credit card and good credit score. new persons just came united states are able to apply credit loans and i am staying here from XXXX i can not even apply just one single credit card in USA this is weird .i have some issue with XXXX XXXX XXXX in XXXX still am having problem and facing very hard time with family because of these credit bureau companies. trans union person told even i can complain to Trump but no use it seems. that means they are holding government or what, i don't understand. i thought people can stay safe in America but because of these problems people are failing in their life.
Consumer complaint received 2018-11-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Omega RMS, LLC (NJ)

I am XXXX XXXX XXXX, currently residing in XXXX XXXX XXXX, XXXX, XXXX XXXX, NJ-XXXX. I had signed up for a Gym membership with : XXXX XXXX XXXX located atXXXX XXXX, XXXX XXXX ; which advertised for {$580.00} for 6 months, sometime in summer XXXX. When I signed up their contract and came back home and checked the contract, I found they misrepresented and they wanted to charge me an exorbitant amount of {$580.00} for a month! I rushed in the next day in the same physical location and wanted to cancel my account. They did not cancel my account. I asked them how come you put me in a contract but can't cancel my contract. They said there is no way to cancel the contract! They gave me an address and told me it is up to the discretion of the Account manager to cancel my contract or not! I sent a certified mail at that address ( I neither have that address or the proof of that certified mail now, it's been so long ) but did not get any response. They did not even have a phone number where I could call to cancel. They basically posted a fake number, which automatically went to voicemail. They already charged me {$580.00} for the first month on my XXXX XXXX XXXX Credit Card. I called XXXX XXXX to dispute this charge and they also couldn't deal with XXXX XXXX XXXX. They blocked the charge. Every month XXXX XXXX XXXX tried to charge my XXXX card unsuccessfully. Soon after, I had lost my job and was going through tumultuous times and had to move to XXXX for my next job and before that had to go to my home country XXXX to get my visa stamped. I kept on calling the number, but no one would pick up. In XXXX XXXX XXXX XXXX   put ~ {$3500.00} on collection. After I tried to resolve it with Omega RMS, the debt-collection agency ; they couldn't get it resolved with XXXX XXXX XXXX. Then I had filed a consumer complaint and the account went away from my credit report. In XXXX, again, the account came back out of nowhere and again went to my credit report as a collection and again hammered my credit score!
Consumer complaint received 2018-11-23
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. (VA)

I received a letter back from XXXX XXXX XXXX XXXX dated XX/XX/XXXX. The letter indicated that I didn't not provide the requested documentation which was a police report. As of XX/XX/XXXX, I have submitted a copy of the police via certified mail. The certified mail tracking number is XXXX XXXX XXXX XXXX XXXX. A copy of the certified mail receipt is included with this correspondence. The police report is dated XX/XX/XXXX. To date, I have not gotten a response back from XXXX XXXX.
Consumer complaint received 2018-07-12
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: Experian Information Solutions Inc. (FL)

Re : Unauthorized Credit Inquiry I recently received a copy of my XXXX, XXXX  and Experian credit report. The credit report showed a credit inquiry by XXXX that I do not recall authorizing. I understand that they are not allowed to put an inquiry on my file unless I have authorized it. I contacted the bank to inquire about closing my auto insurance, savings and checking accounts. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. I have decided to close all of my accounts with this institution next month after i acquire a new auto policy with XXXX. I have already closed the savings account and will be closing the checking account via phone as well.
Consumer complaint received 2018-11-25
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. (SC)

I made a call to Experian as well as faxed them inquiries that needed to be deleted due to Fraud. They were not deleted and it has been over 45 days since the requests have been made. Please see the attachment which I have done over that needs to be removed from my account immediately. I am closing on my home soon and this needed to be addressed. 

DO NOT PLACE A FRAUD ALERT ON MY CREDIT REPORT AT ALL. 

Remove XXXX XXXX XXXX AND XXXX XXXX XXXX
Consumer complaint received 2018-12-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

During the month of XXXX, I canceled my subscription to credit monitoring with Transunion, which was {$20.00} per month. In retaliation, Transunion reduced my credit score by 89 points, from XXXX on XX/XX/2018 to XXXX on XX/XX/2018. During this time, I had no inquiries or new accounts opened, the credit use percentage on my credit cards only fluctuated about 2 points, between 22 % and 24 %, and I actually paid down about {$40000.00} in long term debt. I contacted Transunion to discuss why they reduced my credit score by 89 points in 1 month, and they refused to talk with me. I contacted the dispute department, and they refused to file any dispute for me. Both departments I spoke with only gave me the option to reinstate the {$20.00} per month credit monitoring service, and only after paying for the service would they be willing to help me. This is blatant extortion and fraud on the part of Transunion, and clearly a violation of the FCRA.
Consumer complaint received 2018-07-12
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: WELLS FARGO & COMPANY (CA)

I have previously submitted a complaint regarding this matter unfortunately I wasn't able to follow up on it on time. 

Both XXXX and XXXX  have been reporting inaccurate information on my report.. 
The are listing an Account with XXXX XXXX and a second one with XXXX as being good standing and pay as agreed when it's not the case. 
The account with XXXX is not mine and was fraudulently opened. I have contacted XXXX probably 10-15 both personally and via regulating agency without any success. 
The Account with XXXX XXXX is legitimately mine ; however they never reply or acknowledge any request to help assist how the fraudulent charges were committed in order to assist me with filing a police report. 
I have contacted both reporting agency multiple without any success, Both agency are claiming that I am paying on those account which is also false. The last time I make any charges on payment on the XXXX XXXX Account was probably in XXXX or XXXX and the Account with XXXX is not mine. 

I spent hours initiating dispute with XXXX online only to find out at the end that this service is currently unavailable and I always end up sending everything by certified mail. I am requesting that both agency investigate this matter seriously and remove the incorrect info from my record. 

Also there are numerous discrepancy with my Mortgage payment history since XX/XX/XXXX, always payed my Mortgage ahead of schedule I have also provided both agency with a payment history regarding this matter.
Consumer complaint received 2018-12-13
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION (AL)

On XX/XX/2018 I made a purchase to XXXX for {$5.00}. That transaction was pending on my account. At the time, I had enough money to cover the transaction. On XX/XX/2018, Regions rearranged the order of the transactions which cause me to overdraft my account by {$100.00} in NSF Fees and another {$15.00} for overdraft protection transfer. Regions took the {$150.00} check 1st and then split the XXXX purchase for {$4.00} and {$.00}, taking them second. Please keep in mind, I made one total purchase for {$5.00}. This caused all the fees above. The XXXX transaction should have been processed before the check. My card was used prior to the check coming through.