davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge 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: Bread Financial Holdings, Inc. (CA)

A website company XXXX with no phone number charged my account {$25.00} for merchandise I did not receive and another {$5.00} to ship it. XXXX XXXX XXXX denied the refill and said I had XXXX to see my XXXX. Great, I'm fine with that but XXXX XXXX isn't accepting my explanation. THey haven't even reached out to merchant. All they do is send it to XXXX or XXXX who do not understand XXXX as primary language. Sanctions and interest should be paid for withholding this dispute unfairly and illegally, not put me through a paper chase.
Consumer complaint received 2018-07-12
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (KY)

On various dates, XXXX, XX/XX/XXXX, XX/XX/XXXX of XXXX, and still I keep getting various calls from Navient ( based on my caller id ). They leave no response as to who they are when leaving a voicemail. I have stopped answering their phone calls because of them calling me no less than 5 times a day, or more. I've tried to get my payments lowered numerous times. They keep telling me that there is nothing they can do to lower my payment because of it being a private loan. If I CAN'T make a payment, what am i supposed to do? I don't feel comfortable talking to them, because the last few times I have tried to reach out to them they were short and snide with their remarks.
Consumer complaint received 2018-05-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO. (KY)

XXXX XXXX XXXX  continually violates my rights under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act. XXXX XXXX XXXX contacted my in XX/XX/XXXX though the telephone, stating that I owe them money based off a collection account I had with XXXX XXXX. I instantly told them that I was in the process of paying this debt off with XXXX XXXX XXXX. I had disputed this account with XXXX XXXX in XX/XX/XXXX and they furnished account verification within 30 days. I setup a payment agreement and completed it.

After speaking with XXXX XXXX in XX/XX/XXXX, I emailed them the information they requested on XX/XX/XXXX on my payment agreement with XXXX XXXX, and I requested account verification from them. The company never responded to the email or furnished account verification to this day.

They proceeded to place a collection account through all 3 credit bureaus. I instantly disputed the accounts and they were removed. They again were placed there in XX/XX/XXXX and I disputed the account again. I contacted XXXX XXXX XXXX  on XX/XX/XXXX and furnished the payoff letter from XXXX XXXX The account was removed again, only to be placed back on there multiple more times since.

XXXX XXXX XXXX has violated my rights under the Fair Debt Collection Practices Act : 1. They continue to try to collect a debt they have knowledge has been paid and is not owed to them.

2. Threatened legal action against me 3. Furnish false information to the credit bureaus ; XXXX, XXXX, XXXX. XXXX XXXX XXXX has violated my rights under the Fair Collection Practices Act : Fair Debt Collection Practices Act Section 809. Validation of debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.

Per the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), XXXX XXXX XXXX, is required by federal law to verify through the physical verification of the original signed certified consumer contract of all accounts I request to be posted and or reported on a credit report.

I have submitted multiple complaints through the Consumer Financial Protection Bureau to no avail. How can a company continue to operate outside the law and violate my rights afforded to me though the above mentioned laws?
Consumer complaint received 2018-07-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I returned a message call from a man named XXXX who said he was from the fraud department of Bank of America, on XX/XX/2018. XXXX was not available to speak to me so I talked to a man named XXXX. I didn`t have a clue what this was all about. As soon as XXXX found out who I was, he started yelling at me that I was trying to steal money from the bank. He said that a check for {$9700.00} that had been deposited into my checking account was no good and all my accounts were going to be restricted and probably closed.Bill also said I had been used as a " MULE, '' by these people that had connections to XXXX XXXX. He gave me a reference number # XXXX. I was overwhelmed and shocked that this man was yelling at me and acting like I was a criminal! The bank closed my checking and savings account. They also closed my husband`s checking and savings accounts also. All of them were joint accounts, but the {$9700.00} check had been deposited into my checking account. I had several companies automatically withdrawing amounts for my insurance premiums, utilities, car payment, and other bills. Bank of America canceled all my automatic pays and returned all the requests for payment back marked " insufficient funds! '' I was so stressed, I didn`t know what I was supposed to do! All of the money we had was in our frozen accounts! The bank first told me my account was overdrawn {$880000.00}! Then the accounts were closed. I found out that the check that had been deposited into my checking account was drawn on XXXX XXXX XXXX, in XXXX, California, by XXXX XXXX. This man`s account had been closed and there were no funds to cover the {$9700.00} check. Now having banked with Bank of America for several years, I know that the bank policy is to hold any check that is deposited for 3-5 days, for the check to be cleared by the bank, before any of those funds can be withdrawn. In this case, the check was deposited on XX/XX/2018. I was advised of XXXX deposits on that day. This check, and a cash deposit that I had made at the bank for {$1900.00}. According to the bank, my checking account balance was, {$13000.00} on that day. The next morning, I wire transferred out, {$11000.00}, from my checking account. The bank allowed the transfer to go through and charged me {$30.00} for the transaction. Sometime after that, on XX/XX/2018, the bank must have found out that the check was not good and that`s when I got the call from the fraud department and my accounts were closed, or frozen. The bank took the money I had in my savings and put it in checking, trying to cover what they say I am overdrawn. I did have overdraft protection that gave the bank authority to cover an overdraft from my savings. I am upset that the bank took my automatic social security deposit for the month and XXXX of my XXXX deposits. I was part of a huge scam, and this was the final financial blow.
Consumer complaint received 2018-07-12
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: SYNCHRONY FINANCIAL (FL)

I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime. I have noticed that an account for XXXX XXXX about account # XXXX which does not belong to me and is a result of identity theft. The item I am disputing do not relate to any transactions that I made or authorized. Please remove or correct this information at the earliest possible time. Contacted tried to resolve this matter with the bank TRIED TO CONTACT THIS INFORMATION WITH XXXX XXXX and spoke with XXXX at XXXX and he created a Fraud File # XXXX. As required by section 611 of the Fair Credit Reporting Act, I am requesting that item be removed immediately to correct the information.
Consumer complaint received 2018-07-11
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. (FL)

Received settlement check from Equifax. They misspelled my name and now they are saying they can not reissue a check that deadline has passed. The representative on the phone said they deadline was XX/XX/2018 but the agent who email me back said it was XX/XX/2018. But my check is dated XX/XX/2018. I'm confused as to how I was supposed to know my name would be spelled wrong and would be receiving my settlement check after the deadline.
Consumer complaint received 2018-07-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (FL)

I accessed my Wells Fargo account on-line in order to make a transfer from my checking account to another bank ( XX/XX/XXXX ). While entering the transfer information, I recognized that the last four digits of the XXXX XXXX account had been changed, and did not match the actual account numbers for XXXX. I stopped the transfer and called the Fraud and Security number at Wells Fargo, and deleted the transfer information for XXXX XXXX. I also sent an e-mail to Wells Fargo telling them that someone internal to Wells Fargo had changed the account numbers, and any transfer I made would not have been to my actual XXXX account. ( This was the second time I had the numbers on an account changed ; my Wells Fargo savings account numbers were changed about 3 years ago. My HRA deposited all my health reimbursements to that account, and caught the change in account numbers and called me. ) The phone call to the fraud unit resulted in the Wells Fargo unit cutting off my access to their on-line website, and then refusing to reinstate service until I went to a branch office to prove my identity ; they would not accept my SS number or my information on my checking account activity, such as last deposit made. I went to the branch office on XX/XX/XXXX, and a bank officer made the calls to their fraud unit to get my access to my own accounts reinstated. In spite of the bank officer calling from her office, and having my drivers ' license, checkbook, and all my information, the customer service person ( XXXX? ) proceeded to interrogate me and refused to give me access to my account until she completely went through her procedures. After an hour and 10 minutes, the bank officer tried to re-establish my access on-line, but it was still blocked. After we were put on hold several times, a new voice said our wait time would be 20 minutes more. We terminated the call and the bank officer said she would file a formal complaint, and would keep trying to gain access. She was unsuccessful, and I had to return to the branch office on XX/XX/XXXX. She again called an internal Wells Fargo unit, and we were successful in reinstating my access to my account. At no time was there any concern about the account numbers being changed. I am now in the process of getting 4 direct deposit monthly payments changed to another bank ; I have closed my savings account and deleted all other transfer accounts. Again, Wells Fargo never addressed the core issue of account numbers being changed internally by unknown Wells Fargo personnel.
Consumer complaint received 2018-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

Transunion has had my account frozen and... " In Dispute ''... for over 4 months. I can not even get a response. I am on hold till they obey the law.
Consumer complaint received 2018-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (GA)

XX/XX/XXXX both my credit report and husbands showed on XXXX the account was closed with a balance. Called and the lady said oh we are getting a new account # since we did a re-term. XX/XX/XXXX is was updated to show open XX/XX/XXXX. XX/XX/XXXX they both show closed again on XXXX.
Consumer complaint received 2018-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX VISA CREDIT CARD FROM XXXX, XXXX XXXX ACCOUNT WITH XXXX ONLINE SERVICES AND PERSONAL CHECKING ACCOUNT FROM XXXX XXXX WER ALL LINKED. A XXXX PAYMENT EITHER NOT RECEIVED OR PROCESSED BY XXXX  CAUSED A 30 DAY XX/XX/2018 NEGATIVE REPORTING FROM XXXX TO CRA 'S. I FOUND OUT ABOUT THIS ISSUE ON XX/XX/2018, I WAS NOT CONTACTED ABOUT NEGATIVE CREDIT REPORTING VIA NOTIFICATION BY XXXX. 
THE 30 DAY ADVERSE ACTION CAUSED A CREDIT REDUCTION, FEES, ADDED FINANCE CHARGES, A REDUCTION IN CREDIT AVAILABILITY TO A DECLINE FOR CREDIT A CREDIT RATING IMPACT. I CONTACTED XXXX ABOUT XX/XX/208 AND WAS TOLD THEY COULD NOT DO ANYTHING, THEY DID NOT OFFER A ONE TIME GRACE PERIOD OR ANOTHER REMEDIATION.THIS IS THE SECOND CHASE PRODUCT THAT SUFFERS FROM BILLING ISSUES, REPORTING ISSUES AND NOTIFICATION ISSUES FACTA, FCRA, CONSUMER PROTECTION LAW, IT IS WITHIN THE PENUMBRA OF THE ESTABLISHED CONCEPT OF UNFAIRNESS. I REMIND CHASE OF THE CFPB CONSENT ORDERS AGREED TO BY XXXX, FILE NO XXXX- CFPB- XXXX AND FILE NO XXXX- CFPB- XXXX
Consumer complaint received 2018-07-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Servis One, Inc., Titusville, PA Branch (CA)

have been trying to get a loan modification for over two years, each time I was denied XXXX used the wrong income. I have equity in my property, yet I was encouraged to give a deed in lieu and hand over my equity to the bank. The foreclosure process by XXXX XXXX was horrendous and the trustee XXXX, XXXX XXXX XXXX XXXX made no doubt that they were not interested in assisting me what soever, and were very hard to reach I felt a like ping pong ball going back and forth between the lender and the trustee. XXXX has not been willing to help people of XXXX and it appears that this practice is systematic and prevalent in the City of County which shows in the XXXX complaints by unhappy customers. 
I received a compliance declaration from XXXX with California Civil Code which does not exist. 
I am unable to tell how the trustee came to be when I am in a securitized trust that I don't know how I got in and I can not find evidence of my loan in this trust,
Consumer complaint received 2018-07-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

I maxed out my capital one credit card. And paid It all off the next day in full. They posted them accepted payment. Took it of my bank. Then 2 weeks later they said it was a returned payment. But never gave back my money. And closed my account and reported it on my credit
Consumer complaint received 2018-08-06
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: CITIBANK, N.A. (MO)

On XX/XX/2018 I made a {$5000.00} payment to Citi to my XXXX Card ending. Two days later I received an email for my XXXX  and XXXX XXXX card stating my limits have been reduced ( see attached ). The XXXX card was reduced from {$6000.00} to {$790.00} and XXXX XXXX was reduced from {$5600.00} to {$5100.00}. The reasoning for this was " substantial debt to other creditors ''. Along with the {$5000.00} that was paid to Citi, I also paid {$1500.00} to XXXX Credit Card, {$1500.00} to XXXX XXXX and {$1300.00} to XXXX  XXXX XXXX Credit Card. Also, I had paid off a personal unsecured loan of {$3400.00} and a car loan of {$17000.00}. I recently applied for a home loan which I was pre-approved for. I explained this to Citi in my request for reconsideration and explained the potential costs I could incur from points on my mortgage because of their reduction of my limits. They reviewed and declined my reconsideration request. Also, as you can see in the statement their decision to reduce my XXXX  Card put me over-limit which is extremely damaging to my possibility of getting a home loan as the underwriters will view this as a negative.I have had and continue to have an exceptional payment history with Citi and all of my other creditors.
Consumer complaint received 2018-07-11
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: DISCOVER BANK (NY)

Loans were initially through Discover. In XXXX refinanced with XXXX. On XX/XX/XXXX XXXX issued a check to pay off {$31000.00} of loans with Discover.  On XX/XX/XXXX, Discover took out the monthly auto payment. Contacted Discover and they said they never received a check and I would need to get a copy of the cancelled check from XXXX. They have since sent two copies of the cancelled check to Discover. Reviewing the Discover account in XXXX, the check still had not been posted. Contacted the customer service center at Discover. They said they had notes that they received copies of the cancelled check, but wanted me to provide the ABA and Acct #. I explained that the payoff was from XXXX and I did not have that information. Their response was that an investigation had to be initiated before the check could be posted, and they agreed not to take the next auto pay due on XX/XX/XXXX until this was resolved. 60 days later they still have not posted the payoff check, they have deducted the autopay from my bank account and now XXXX is also taking payments for the refinance they processed. How do I get Discover to process the loan payoff properly?
Consumer complaint received 2018-07-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Firstsource Business Process Services, LLC (FL)

This dispute was origianlly filed under XXXX but was closed as a duplicte which it was not and if it had been looked at the difference in account number and balance stated would have been recognised. 

In XXXX my identification was compromised in a breach by a professional service provider business and I believe that my identification was used to obtain services in the years that have followed. After accessing my credit report on XX/XX/XXXX I found an entry reporting as an open account that was unknown to me in the amount of {$410.00}. I disputed this with the bureaus and as a violation of the FCRA and FDCPA and I requested in writing full validation under the Violation of the Fair Reporting Act from XXXX XXXX XXXX with the account number XXXX who were reporting for their client XXXX XXXX XXXX. See attached XXXX XXXX report number : XXXX dated XX/XX/XXXX. On XX/XX/XXXX I had a telephone conversation with an agent of the collection agent who is reporting the account # XXXX to XXXX XXXX. I was advised that the unknown account was validated and I request to know who validated this account as mine. I was also advised by the agent that the total reported as past due on this account was {$410.00} and opened XX/XX/XXXX. I am appalled that my statements and requests have fell upon dead ears therefore, I challenge the accuracy, compliance and reputability of this listing. I require that XXXX XXXX XXXX  validate this information they are reporting against me and provide me with copies of documentation associated with this account, bearing my signature and my image. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my social security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful records of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification.
Consumer complaint received 2018-07-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I had contacted Capital One twice. My concern was that I had paid off my balance and they had stilled charged me interest on a balance that I had paid off in full. I had talked to someone on XX/XX/XXXX. They continue to tell me that my the interest is from the balance from XX/XX/XXXX, even though I had initiated a payment for the full amount on XX/XX/. Payment was not posted until XX/XX/2018. This is the reason they are giving me that I still owed them. 
They are telling me that I had not paid the XX/XX/XXXX balance in full so therefore I owe them that interest. 
I had told them that the other credit cards I have, did not charge me interest. They claim that I got a deal or some discount I asked for. 

I did not ask for a discount or deal. I had told them they are ripping people over, and you can never pay this card off. 
The other concern is that I have been paying interest on a cash advance that I had paid back along time ago. The lady had told me that the monies I pay goes towards interest on the cash advance along with purchases. The interest is the same she tells me for the cash advances and purchases.
Consumer complaint received 2018-07-11
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. (FL)

I request to begin a reinvestigation to verify the accuracy of the information with which I disagree, that it is incorrect, inaccurate or incomplete. 

I am writing to you for the purpose of helping me with this problem with the company " Experian ''. I have been doing it for more than a year, asking them to fix some erroneous information that they are putting in my credit, this is affecting me critically in my search of work and in the loans to buy my house. 

My reputation and prestige are damaged, where there is a law that a company can manipulate personal information for profit to increase sales and credit interests for the economic benefit of others, this is unjustifiable, abusive and illegal. 

I demand reinvestigation this dispute for account information from XXXX " XXXX XXXX XXXX XXXX / XXXX '' # XXXX, be removed from the negative record and, I've never had a delay or ever stop paying there is no reason to have it in collection and delinquency. " Experian '' has never presented me with any document or proof, the name of the judge, court, address, and telephone number of each person contacted regarding this alleged account. 

I have asked them on many occasions to investigate the error they have, but they use an automated response system, where all the answers are the same and do not pay attention to the request that I write to them. It is a total lack of respect for citizens not to take seriously the letters I send them.