davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-12
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: NAVY FEDERAL CREDIT UNION (LA)

Navy Federal allows real-time transfers from XXXX account to the other. Savings to checking and vice versa is essentially real-time. When making transfers from XXXX to a credit card, it is not real-time. WHY?! I made a {$500.00} transfer on a Friday from savings to my credit card. The funds were immediately withdrawn from the savings but not posted to the credit card. How can some transfers be real-time and others not in the same system. It seems to me that for credit cards transfers that this " Delayed posting '' is a selected specific system setting. I have memberships at several other credit unions ( XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX and all of those XXXX are significantly smaller in asset size than Navy Fed and they ALL allow real-time posting on ALL products. My complaint is that when Navy does this, funds are removed from my savings account where I begin losing interest immediately yet the post is delayed to the credit card where I am still being charged interest on my balance! If the funds are removed from my savings and not posted to another product, where are they? They seems to be in a " virtual '' status where Navy is not paying interest on those funds and still charging interest on the other account balance. If much smaller institutions have real-time transfers then the largest credit union in the world should as well especially if they have this on other products. If they are doing this to me then what are they essentially earning on those virtual funds when this happens to possibly XXXX of members monthly! When this delay occurs on a long holiday weekend, which becomes a delay from Friday night until the funds are finally posted to the credit card during their " end-of-day '' processing on Tuesday! In short, that is a ton of interest that members are losing and Navy is earning. It almost amounts to double-dipping ; not paying interest on funds they are holding and still charging interest on the credit card balances.
Consumer complaint received 2016-12-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I was contacted in XXXX, through XXXX, through an alert that there had been a judgment placed against me for a tax debt dating back from 2006. This was the first notification of any debt and I promptly paid the owed amount, plus interest and penalties, as my credit has been perfect and wanted to keep it that way. Consequently, I asked the Transunion Company to investigate, because they put it on my credit report as a negative-Judgement, but it was over ( 10 ) years old and this was reported incorrectly by the reporting agency and should n't have been allowed to even be placed on my report? There was no notification of the debt, prior to it appearing on my report, I lived in Alabama for ( 3 ) short months in 2006 and paid state taxes-taken out of my check, while I worked there. How they filed my taxes for me and came up with this " derived '' estimate, is beyond me, but I paid it willingly, because I had no records to contest this amount. I paid it as soon as I was notified, even though it was over ( 10 ) years and I was provided no information from Alabama Department of Revenue, when I asked for it? The original amount of the alleged debt was {$330.00}, I paid them {$560.00} to satisfy the debt, as once again I had no records after ( 10 ) years to contest this amount. 
Under the FCRA, the debt was paid in full and is over ( 10 ) years old ( 2006 ), so it should not be able to be continued to be reported on my report. It has been illegally reported and kept on my report, even after I disputed it.
Consumer complaint received 2017-04-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/2017 Trans union system updated my XXXX account informing me that XXXX collections with XXXX had been removed and I was reporting No collections and inquiries from XXXX sources had been removed and added right back. I contacted TU and was told they would look into this and provide a update to me after I submit PROOF of what I was seeing reported. I complied with all the required information and called to confirm all docs were received and was told yes XX/XX/2017. I have not received any information, yet the next file updated from XXXX XXXX only shows all the information was inserted back. I would like all the inquiries and reinserted collection accounts with XXXX XXXX to be deleted as they did not comply nor provide proper notification this info would be re inserted. I would like the inquiries to be removed XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX to be removed as reported on XX/XX/2017 ...
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (AR)

so i had recently sent in all the necessary documents to XXXX and was able to get them to remove all my hard inquiries except for one from synchrony bank/paypal but for some reason my XXXX  credit report is still showing these hard inquiries so i call a XXXX representative on XX/XX/XXXX and was told that i needed to file a report with a list of the inquiries that need to be removed and attach it to my letter the inquiries that need to be removed are XXXX XXXX XXXX  dated XX/XX/XXXX XXXX XXXX XXXX dated XX/XX/XXXXXXXX XXXX XXXX XXXX dated XX/XX/XXXXXXXX XXXX XXXX XXXX dated XX/XX/XXXX syncb/paypal dated XX/XX/XXXXXXXX XXXX XXXX XXXX bank dated XX/XX/XXXX these are hard inquiries that need to be removed from my credit score for the information was inaccurate
Consumer complaint received 2024-09-30
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ALLY FINANCIAL INC. (TX)

This debt collector has engaged in practices that violate the Fair Debt Collection Practices Act ( FDCPA ). They have reported an account that I did not consent to, and there is no signed agreement from me authorizing it. A valid legal contract requires the signatures of both parties, and I was not involved in such an agreement. Furthermore, they failed to adhere to the proper 5-step validation process as mandated by the FDCPA. These actions clearly infringe upon my rights under the law, and I am entitled to compensation for these violations. I demand the immediate removal of this accountfrommyrecord.
Consumer complaint received 2016-09-06
Product: Credit card — 
Issue: Credit determination — 
Company: JPMORGAN CHASE & CO. (CA)

To Whomsoever It May Concern, I am seeking assistance through CFPB to help resolve an issue with Chase bank regarding my credit card account with a limit of {$8000.00}. This credit card debt has been a financial burden to me and is taking a toll on my health as I 've been struggling to pay the monthly due and have not reduced the balance since granted. 
My first credit card was issued by Chase in XXXX with a limit of {$1000.00}. I was then a college student with a part-time job, making only $ XXXX/hour. One day in XX/XX/XXXX, I went to a Chase branch to pay off my balance. The teller told me that I may qualify for a new credit card with a higher limit and was referred to a personal banker. The personal banker updated my information directly through the computer entering my salary as {$90000.00} and approved me a new card with a limit of {$8000.00}. No new card application was filled out. 
Being young and ignorant, I accepted the {$8000.00} offer. I did not realize the kind of situation I was putting myself into at that time, as I had minimal experience with credit cards. 
I believe the personal banker inflated my salary so she can back up the credit increase of {$8000.00} to increase her production, though I was not technically eligible for such a high credit limit. 
I was informed by concerned persons in the banking industry that under Regulation Z - Truth-In-Lending Act, enhanced by The Credit Card Act of XX/XX/XXXX, that it is the responsibility of the credit card issuer to consider the consumer 's ability to pay when issuing a credit card or increasing credit limits. I believe the personal banker acted irresponsibly and put me in this predicament. I believe she violated Reg Z. 
I contacted Chase Credit Services during XXXX XXXX and requested to charge off the balance due to financial hardship. Their response was to settle only XXXX % of the total balance which is still not affordable considering all of my total current obligations and living expenses. 
I am seeking CFPB agency 's assistance for a resolution of my credit card balance with Chase Bank. 
Thank you in advance for your time and consideration to my request. 

Respectfully submitted, XXXX XXXX
Consumer complaint received 2016-07-22
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: CHECK INTO CASH INC. (CA)

I 'm being harassed my a collection agency They threatened me with jail time warrant for my arrest My husband called and and they called me a thief a liar and could not do a debt validation to us They tried to get us to wire {$1100.00} and the collector kept yelling at us and did n't let us talk to resolve the situation and she hung up on us as she threatened with felony warrants and charges The collection agency is XXXX XXXX XXXX XXXX
Consumer complaint received 2016-07-22
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

Capital One Credit Card has continuously denied my requests for a credit limit increase, even though I have great payment history with the card. I submitted a previous complaint last year ( XXXX ), after they denied my requests for 1.5 to 2 years. THe last denial reason I received was that my average monthly payment was too low, but my monthly payment has averaged $ XXXX/month. I typically send $ XXXX- {$100.00} a month to cover y payment. I feel Capital One is being misleading to its customers. I opened this account to help rebuild my credit, but if you do not allow limit increases, how is that possible?
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AZ)

I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores. SEE ATTACHED.
Consumer complaint received 2016-04-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX XXXX XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX Equifax XXXX, GA XXXX XXXX, Texas XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX {$1500.00} REV {$0.00} {$0.00} {$0.00} XXXX Late Dates : XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX {$500.00} REV {$0.00} {$0.00} {$0.00} XXXX Late Dates : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX {$490.00} REV {$0.00} {$0.00} {$0.00} XXXX Late Dates : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX {$400.00} REV {$0.00} {$0.00} {$0.00} XXXX I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax et, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX XXXX SOC SEC # XXXX XXXX XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2024-09-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (CA)

I signed up for a Wells Fargo checking account primarily due to a sign-up bonus offered on the account. While achieving milestones to get the sign-up bonus, the company stated that they closed my account, only after I contacted them and my bank card stopped functioning when I was trying to withdraw money from the ATM. 

I can not access my funds from Wells Fargo, was denied help reinstating my account, my funds are inaccessible. Wells Fargo is making a profit off my funds while they are stuck in. my account and inaccessible to me, and is presumably closing my account before I can collect my sign-up bonus.
Consumer complaint received 2016-07-23
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Servis One, Inc., Titusville, PA Branch (NY)

MY LOAN WAS SOLD BY XXXX TO XXXX THAT IN TURN SOLD IT TO BSI FINANCIAL SERVICES ( ADD. IS XXXX XXXX XXXX TX. ) I BELIEVE XX/XX/2016. SINCE THIS COMPANY TOOK OVER I HAVE NOT HAD A MOMENT PEACE. I HAVE NOT FALTERED ON MY PAYMENT, BUT IT SEEMS THAT MY FUNDS ARE EITHER PLACED IN GHOSTS ACCOUNTS THEREBY LEADING TO BARAGE OF CALLS FROM THEIR REPS. I USUALLY DO NOT GET EXPLANATORY STATEMENTS LIKE MY FORMER COMPANIES, I ALWAYS HAVE TO CALL THEM EVERY MONTH TO FIND OUT ABOUT MY STATEMENT. DEPENDING ON WHOM YOU SPEAK WITH ON THEIR PHONE, YOU MAY GET DIFFERENT ANSWERS RANGING FROM " WE HAVE NOT RECIEVED YOUR PAYMENT FROM LAST MONTH ETC, AFTER MANY ARGUMENTS WITH THEM, MY SENT PAYMENT MAGICALLY APPEARS. THEY WILL PROCEED TO SEND ME ANOTHER BILL DOUBLING THE AMOUNT THAT I SUPPOSEDLY OWES. I WAS INSTRUCTED TO PAY A DIFFERENT AMOUNT FOR XX/XX/XXXX WHICH I SENT OVER WHAT WAS ASKED. MY XX/XX/XXXX PAYMENT WAS MADE ON TIME, BUT I AM STILL GETTING STATEMENTS FOR XX/XX/XXXX. ONE OF THE WORKERS BY THE NAME OF XXXX STATED MY ESCROW CHANGED AFTER MY PAYMENT WAS MADE AND THEY WERENT AWARE OF IT. NOW THIS IS VERY STRANGE TO ME. I SUSPECT SOMETHING IS DEFINITELY NOT RIGHT WITH THIS COMPANY.
Consumer complaint received 2017-09-04
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Phoenix Financial Services LLC (TX)

I received notice through credit monitoring that Phoenix financial services reported a debt collection for a medical bill without notifying me of the debt, I have also been recieving numerous phone calls daily from an automated machine, I have recieved threating voicemails saying I am veing sued for this debt, harrasment saying they are coming to my home in 30 minutes to serve me. I have to avoid answering any number I do not recognize now, and now theyre ruining my credit too..
Consumer complaint received 2016-09-06
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: SYNCHRONY FINANCIAL (MO)

Sams Credit Card : I have been a customer for Sams for more than 10 years as sams member and credit card holder- I have recently opened a consumer credit account Sams Mastercard XXXX for the last 3 1/2 years I have been paying my bills on time - However during the last three months I noticed an unusual active - During the previous years the credit card payment were managed by GE Financial and now is managed by Synchrony Bank - Once Synchrony bank took over I started to have problems with my credits and also the posting date of my payments. 

The problems started during the XX/XX/XXXX-XX/XX/XXXX statements - I always had a minimum payment automatic withdraw from our account - However, XX/XX/XXXX I realized I was going to have to make a payment under another because of lack of funds - So I switched the payment to my wife 's bank - I called the Synchrony Bank to make the and switch the account for this one-time payment over the phone - representative took my payment, However, they never process the payment causing my account to go as past due - Not only they did not process the payment but also did n't cancel the electronic payment causing my bank account to go into overdraft status. 

I realized that I could not make the payment for the following month - However, I quickly called Synchrony Bank I paid the past due amount and the following month only to find out the Synchrony Bank had " Lower my credit limit and raised my payment over the next month. Now even though I made my payments and kept with the account current they have close my account and immediately reported this to the credit agencies. I do n't believe this is fair not the issue to immediately reporting this to the credit agencies -
Consumer complaint received 2017-03-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I disputed this account several times within the last 6 months. It is not mine. Transunion keeps saying the account was verified and updated. However, it has not been properly verified accpording to FCRA law. In the last 6 months, no documentation or contract signed by me has been sent from this company. According to law when the company can not provide documentation within 30 days, the account supposed to be deleted. Transunion has faild to comply by law which is forcing me to pursue action according to law. 

XXXX Acct # XXXX Unverified Account
Consumer complaint received 2016-06-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

I have a XXXX credit card issued through XXXX XXXX XXXX XXXX. This account is in good standing and, I have confirmed that the account is being reported to all credit bureaus. The problem is that this account does not show up on my TransUnion credit report. This causes my credit score to be artificially lowered as this is my main card that sees 95 % of my credit card usage. I have tried all means available that I can find short of hiring an attorney to correct this problem. All I ever receive as an answer is another copy of the same erroneous report. Can you help me get this corrected?
Consumer complaint received 2016-07-22
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I 'm filing this complaint because TRANSUNION has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this matter as soon as possible. Thank You.
Consumer complaint received 2016-07-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I had pulled my annual credit report and seen that I had a debt collection from XXXX XXXX. I sent a letter to the company asking to verify the debt on XXXX/XXXX/2016. I received a letter back including information for XXXX separate debts. XXXX which did not belong to me. They belonged someone with the same first and last name but a different middle initial. The letter included documentation to verify only XXXX of the debts which had an address for the other person. The address listed on the document was not my address and I have never lived at said address. I send a second letter to XXXX XXXX on XXXX/XXXX/2016 asking to verify that this is indeed my debt and why they think it belongs to me. I received a response from XXXX XXXX dated XXXX/XXXX/16 stating again the XXXX debts. They included with this letter a document verifying the other debt and once again there was an address listed for another person. On XXXX/XXXX/16 I sent a complaint to XXXX XXXX stating that are reporting inaccurate credit information based on the documentation previously mailed to me. I explained that I have never lived at either addresses and the person whom they are seeking is not me. I asked that they comply with federal law and remove the debt from my credit reports including all XXXX reporting agencies. I waited over 30 days with no response from XXXX XXXX. I have disputed the debt with all three credit bureaus which have stated that the information was correct and would not be removed from my credit report. I sent a letter to XXXX XXXX on XXXX/XXXX/16 asking to verify yet again that this is indeed my debt. I have not been given a response from XXXX XXXX, and the XXXX reporting agencies have not assisted me in this matter. Please help me alleviate this collection account.
Consumer complaint received 2016-04-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: I.Q. DATA INTERNATIONAL, INC. (FL)

XXXX apartments ( XXXX Florida ), which I rented from. All my payments were made on time. They are charging me this extra money, which I do n't know what it is for. I checked my credit report and it says that it was sent to a collection agency, however, I never received any notification of the debt to begin with. I do not owe them any money
Consumer complaint received 2017-03-22
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: Harvest Credit Management VII, LLC (CO)

On XXXX/XXXX/XXXX Harvest Credit Management illegally collected funds from my XXXX XXXX XXXX XXXX savings account in the amount of {$10000.00}. These were funds directly from my deceased mothers life insurance policy and were exempt. This is in addition to insurance benefits funds they also took last year and in XXXX from my XXXX XXXX XXXX XXXX account prior to my closing my account. 
The difference though is that these were kept separate from any earnings as I had no earning for XXXX yet ( to Date ). I would wish to collect interest as damages in the amount the Credit Card company wished to charge prior to closing my account. I closed all my credi accounts with XXXX and XXXX in XXXX. But each of the XXXX major card companies all jumped the interest to 29 % and 35 % and tripled the debt I owed before losing the accounts after three to four months regardless of XXXX or XXXX company credit requests. 

I feel that any and all credit card companies that disregard the Major Nationwide Credit safety companies requests deserve to be shut down as they are choosing to operate in an Internet Environment without accepting third party Security Provisions.