davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-23
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 (VT)

This is my 2nd complaint against Capital One for the exact same reason. 

I have been repeatedly denied a credit line increase on my Capital One credit card account. I have made all payments on time ( aka no late payments ) the life of the account and have paid my account in full the past few months. I have made several inquires into why I 'm being denied a credit line increase via email, chat, and phone. Each time I inquire as to why I 'm being denied a credit line increase I am told that the customer service/customer service supervisors can not help me and to read my letters of denial. The denial letters I 've received give no explanation as to why a credit line increase is being denied except that my " account is currently being reviewed at the current credit limit ''. I have contacted the company via chat - I 'm giving 'canned ' responses, I 've contacted consumer affairs for Capital One - no one responded. 

I filed a Better Business Bureau on this same issue about two years ago, and again I 've filed another complaint this past week. I am not being provided with a valid reason why this credit line increase is being denied, nor is Capital One providing acceptable customer service on this issue. I believe I may be being retaliated against by Capital One because I filed a complaint with the BBB two years ago, and fear this retaliation has and will continue as I was forced to file yet another BBB complaint and now another CFPB complaint as well.
Consumer complaint received 2023-01-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2017-08-23
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: JPMORGAN CHASE & CO. (MI)

Chase sends emails out to its customers offering a promotion to sign up for " Chase Pay '' and use it on XXXX and receive 10 % cash back on up to {$250.00} in purchases. However, as soon as one goes to use Chase Pay on walmart.com, Chase instantly freezes the user 's credit card account. I 've never had a problem with this credit card ( the one tied to chase pay ) being declined or had a fraud alert placed on it and have made significantly larger purchases using the card, but as soon as I attempt to make a small purchase with Chase Pay tied to this card, it gets frozen? This freeze by Chase requires a lengthy set of phone calls talking to numerous departments at Chase and answering dozens of questions. Then they often put a review on the account that can take up to 10 calendar days to respond to you. This happened to not just me but is attested to by at least a hundred users on various financial forums such as XXXX. It seems this is a form of false advertising as Chase offers a promotion and then when you attempt to use, they freeze and even lock your account so you 're unable to use the promotion before it expires. I just had my account frozen and the anticipated removal time is conveniently enough 2 days after the promotion ends. Very deceptive marketing by Chase.
Consumer complaint received 2017-03-08
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Tower Loan of Mississippi, Inc. (LA)

I had medical issues and got behind on my payments on a loan secured by furniture and a signature loan. I kept in touch with the loan company, however they continue to call me and threaten me. They have said that they want to know what time they can come pick up the furniture, told me repeatedly that they would sue me, garnish my wages, and put a lien against my home on both loans. They try to force me to come in on a particular date and I tell them I do n't have the funds and can not come in on that day so then the threats start. They have come to my home ( I was n't here ) and left a card. They called my sister and told her to contact me and tell me that I had 10 minutes to call them back. This was approximately four days after I had been in their office and made a payment. They ca n't use the excuse that they did n't know how to locate me and needed to 'find ' me since I was in touch with them the week before. When I talk to them they can never tell me how many months I am behind. They say that my payments are n't full payments and when I ask why, they say that late charges are being taken out. I have asked them repeatedly to send me a print out of my payments and how they are applied ( this is especially important because they told me I missed a payment in XXXX and I see where I made it ). I have yet to get anything to verify the dates they 're saying I 'm behind. One person says I 'm behind since XXXX, another person says I 'm behind since XXXX. I 've even asked for the amount of late charges so I can pay them and they can be applied to the months they say I was short. I was n't short, I paid the required amount, they allocated it and make it appear that I 'm months behind on payments. Yesterday I was told that my account had been sent to an attorney for collection a month ago but I made a payment and they pulled it back. The manager said she was sending it yesterday to the attorney because I told her I did n't have the money and could n't come in before the XXXX. Then today she calls my job and leaves a message requesting employment verification ( I saved the voicemail and attached it to this complaint ). I 'm at the point where I do n't want to talk to them since it does no good. And all they do is threaten me with lawsuits and garnishments. Is it even legal for me to send in a payment for the month and they only apply part of the payment because of a late fee and then say I 'm behind in that month 's payment?
Consumer complaint received 2023-01-25
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (NY)

On XX/XX/2021 - I made a purchase with XXXX XXXX using Paypal Credit a.k.a Synchrony Bank for the amount of {$510.00}. However, few days after receiving the item, I returned it back to the store because the delivery person delivered it outside in a bad condition. I did not want to keep it. I filed a dispute with Paypal Credit hoping it would get refunded faster. 
On XX/XX/2021 - I received a temporary refund from Paypal Credit in the amount of {$510.00}, not from the store. This happened while the dispute is on-going. 
On XX/XX/2021 - I lost the dispute. Paypal credit removed the temporary refund they issued and charged my account for the same amount, now XXXX left with the amount and the item was already sent back to the store. So I filed another dispute because I did not like how it ended up. 
Between XXXX and XXXX, I have communicated with the store and came terms with them. The store asked me to cancel the active dispute I filed so they could issue me a refund directly from them. I did cancel the dispute and they promise me refund in a XXXX business days minus the shipping fees ( non-refundable ). 
Please note I still have the balance at this time that Paypal Credit issued in my account on XX/XX/2021. 
And on XX/XX/2021 Paypal Credit charged me again in the amount of {$510.00}. I called the agent that now they charged me double of the same amount, and they told me it was an error on their part and that happened because I cancelled an ongoing dispute. 
XX/XX/2021 - I got the refund from the store itself in the amount of {$490.00} ( shipping fee non-refundable ) So in short, I got stuck with two charges of {$510.00}. Although one of the charge was cancelled out by the store 's refund. I'm still left with one chared of {$510.00} on my account. 
I have been going back and forth with Synchrony since summer last year and up until now, the issue has not been resolved. They keep closing my dispute and I.m done with their tricks.
Consumer complaint received 2023-02-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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. 


Account Name : XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX, Account Name : XXXXXXXX XXXX  Account # 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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 convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 2023-01-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (AL)

XXXX XXXX sent an account to a collection agency trying to collect debt that is not mine. I have explained to them that me and a family member has the same or similar name. I explained to them this issue, and I was advised to complete a fraud packet. I sent in the fraud packet. I called and spoke with the XXXX department 30 days after sending it in, and I was told " the account would be removed from all of my credit reports. ''
Consumer complaint received 2023-01-25
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: MONEY SOURCE, INC., THE (FL)

At the end of XXXX I turned XXXX years old. My husband has passed away. My husband was a veteran and that is how I have a VA loan. I needed to stay home and isolate during the pandemic out of fear of infection. After the forbearance I requested a VA partial claim on XX/XX/XXXX. The partial claim was sent out XX/XX/XXXX. My memory is not great and I misplaced the documents and did not return them in time. My understanding that since the partial claim did not go through is that I am eligible for another one. I requested an updated partial claim. My interest rate is 3.25 % and a partial claim would have allowed me to keep that rate. My lender refused to send my loan to VA for another partial claim. Then in XXXX, XXXX they ran my loan for a modification and sent me an application. I did not fill the application out correctly and it was denied. I was verbally told the VA was unwilling to help me. I asked for the VA denial in writing and was told they would not provide. My lender is now calling XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They refuse to take my husband 's name off the calls ( even though they have the death certificate ) and they call and ask for my deceased husband. This is very hard on me as his death was very difficult for me. I ask them not to leave voice messages for my deceased husband as it causes stress, they told me no. I feel as though I am in a bad position because my lender did not send me to VA for the partial claim while it was available. Also, they have sent me to an attorney for foreclosure action. How can they foreclose and kick me out when they blocked assistance that would have brought my loan current?
Consumer complaint received 2023-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

This account was not paid late ever because it was part of a rehabilitation plan with monthly payments required. The balance was paid in full on time in XX/XX/2022. Payments from XXXX, XXXX, and XXXX were successfully processed ; however, the company continues to report inaccurate information in partnership with the University. 

The late payments reported on this account are inconsistent across the three bureaus. This company has failed to provide me with documented evidence as requested. Equifax shows a late payment in XXXX, XXXX reports a late payment in XXXX ( and on time payments in XXXX, XXXX and XXXX ), and XXXX does not show a late payment at all.
Consumer complaint received 2017-08-23
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Empowerment Ventures, LLC (TX)

UniRush prepaid card I have been fighting over 2 weeks to have my pay check released from RushCard ( deposited XXXX/XXXX/XXXX ). The run around you get going through management is unethical behavior for any business. I sent statements with my signature as requested, I was told on many different conversations with management that my check would be released over night, and it has been two weeks and still no check!! The unethical behavior is holding a check for the return interest the company receives on the money while the customer suffers with the results of GOOD FAITH/BAD FAITH POLICIES. 


Another response I made to RUSH card a few days after the 1st statement above. 


I am aware of the deposit amount that I ca n't seem to gain access to after 2 weeks of waiting for a canceled dispute. I have been waiting for a suspension on my account to be removed. The Disputes dept. refuses to release my funds even though they have received all requested documents from my husband XXXX. I am about to lose my car because I ca n't use my account. I have been told everyday for the last 2 weeks that it will take an additional 24-48 hours before resolution. It is not fair that I have been with your company since XXXX and this is how you treat a loyal customer. I am not able to sleep which is starting to affect my ability to work or function for that matter when your sitting up all night waiting for a Tow Truck to come and take your property simply because my card company ca n't close out a case that has been ESCALATED EVERY OTHER DAY!
Consumer complaint received 2017-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

SPS services was sold my 2nd mortgage account from XXXX mortgages. I filed bankruptcy and it was discharged in 2009 with XXXX. SPS services refuses to remove it from my credit. The joint on the loan has since filed bankruptcy again. 

Account # XXXX The : XXXX XXXX XXXXXXXX XXXX , Customer Support Unit, XXXX XXXX XXXX, XXXX FL XXXX Select Portfolio Servicing, inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX : ( XXXX ) XXXX
Consumer complaint received 2017-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (WV)

Paid my state tax bill and it shows as a lien on my and my husbands credit report. 

XXXX XXXX XXXX XXXX Paid XXXX XXXX 2016 Lien # XXXX Acct # XXXX Amount paid in full XXXX
Consumer complaint received 2017-08-23
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: Experian Information Solutions Inc. (AZ)

My first problem with Experian is that I have filed a dispute in regards to two items on my report. The first one was for XXXX XXXX XXXX. This is a company that I have not done business with. They said they did a re-investigation and found that it meets the Fair Credit Reporting Act. I ca n't see how since I never did business with them. But, they said they " updated the information '' to read XXXX XXXX as the creditor with original creditor as XXXX XXXX. I have not done business with them and do not know what this is. 

The second is a medical collections account for my daughter. The creditor is listed as XXXX XXXX XXXX. This is from a bill that is her father 's responsibility. He has called them and taken responsibility and set up a payment plan with them. We are divorced and he is to pay 60 % of her bills. This is one that was his to pay. Since he has called and taken responsibility, I do not understand why they would put it on my credit. It is not mine to pay.
Consumer complaint received 2016-07-13
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TENET HEALTHCARE CORPORATION (FL)

syndicated office systems also known as central financial control has placed a balance owed on my credit report in the amount of {$750.00}. i sent this agency XXXX notices requesting they validate the debt there claiming i owe. i have yet to received any such document per fdcpa section 623 if debt cant be validated they must remove this account
Consumer complaint received 2017-08-24
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. (OK)

Simple. 
I had a past due account with XXXX XXXX that went to collections in XX/XX/XXXX. 
I paid the collection XX/XX/XXXX. 
I filed a dispute and sent a copy of the paid letter to all three bureaus on XX/XX/XXXX. 
I have received credit updates from all three bureaus showing that I still have a balance, and the account does not show " settled '', " paid in full '', or anything of the sort. 
I have contacted the original creditor and verified that the account is indeed " settled in full '' according to them. 
I am assuming that the bureaus did an investigation, and contacted the original creditor, but obviously not since they are not correctly reporting what I have verified with the original creditor several times myself.
Consumer complaint received 2017-08-24
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Summit AmeriFirst Holdings, Inc. (CA)

I was contacted by my neighbors whom live at XXXX XXXX XXXX that someone by the name of XXXX XXXX from Amerifirst contacted his wife on her personal cell phone trying to reach me XXXX XXXX regarding a personal business matter. Please keep in mind I do n't know my neighbors and never met them. Contacting complete strangers discussing my personal business is a violation of my privacy and just plain unprofessional. 

Amerifirst has done this to several other individuals and continue to disturb and harass individuals whom have nothing to do with my business with them. They have continued to violate privacy and collection laws.
Consumer complaint received 2017-08-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Second Round Limited Partnership, Austin, TX Branch (CA)

I CONTACTED SECOND ROUND AROUND XX/XX/2017 AFTER DOING MORTAGE LOAN IBQUIRY. I WAS TOLD SECOND ROUND PURCHASED ACCT. AND POSTED ON MY CREDIT RRPORT AGAIN LATE PYMT TO XX/XX/XXXX/XXXX XXXX DC. 
1. I NEVER RECEIVED LETTER PURCHASED OF ACCT HAPPENED, WHiCH COMPLIANCE DEPT CONFIRMED AT SECOND ROUND. 
2. CUSTOMER SERVICE XXXX TOLD ME XXXX NEVER TOLD THEM ACCT WAS IN BANKRUPTCY AND I HAD A LAWYER. SECOND ROUND REFUSED TO TAKE THEMSELVES OFF MY CREDIT REPORT. 
I NEVER PAID {$20.00} IN AGREEMENT WITH XXXX  XXXX XXXX. ACCT IN XXXX STATUS. ASK THEM TO PROVE IT WAS MY BANK XXXX THAT PAID. SECOND ROUND JUST KEPT TELLING I PAID AND STOPPED PAYING AGAIN. DID WANT TO INVESTIGATE. TGEY WAS N'T INFORMED WHEN PURCHASE AACT. I WAS IN XXXX STATUS AND HAD LAWYER WHICH XXXX ALREADY KNEW. 
PLEASE TAKE SECOND ROUND OFF MY CREDIT REPORT.
Consumer complaint received 2023-01-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have Fraudulent Accounts on my credit reports for XXXX, XXXX, & Transunion I have disputed these accounts multiple times. 

Fraudulent Account : XXXX XXXX XXXX XXXXXXXX XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status Chargeoff Past due amount {$0.00} Fraudulent Account : XXXX  XXXX  Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status Chargeoff Past due amount {$0.00} Fraudulent Account : XXXX  Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status Late 90 Days Past due amount {$0.00} Fraudulent Account : XXXX  XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Open Status Late 90 Days Past due amount {$0.00} Fraudulent Account : XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status Chargeoff Past due amount {$120.00}
Consumer complaint received 2023-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

Please verify information is correct, im worried that information is either incorrect or misrepresented. If my information can not be verified, i ask that these negative reporting be removed as I am trying to buy a vehicle and this has made it impossible for lenders to consider lending to me at the rate i deserve. Please and thank you.