davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: World Acceptance Corporation (SC)

I dont know who Im supposed to talk to, but Im tryna buy a house, and yall got this account marked as disputed. Thats messin me up, and I need it gone today. Why yall keep messin with peoples accounts like this? This dont make no sense at all.
Consumer complaint received 2024-09-25
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: HUNTINGTON NATIONAL BANK, THE (OH)

Huntington Bank credit inquiry XX/XX/year> I did not initiate this credit inquiry nor did I contact Huntington Bank. 
I do not, nor have I had a loan with them.
Consumer complaint received 2024-09-25
Product: Credit card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (TX)

I have had a care credit card since XX/XX/year>. My limit at the time was XXXX. I have paid every bill on time, never missed a payment and highest balance was only ever XXXX. Recently and out of the blue I recieved an email from them letting me know what they lowered my credit limit to XXXX, leaving me a XXXX credit limit and {$200.00} available use. This ratio caused my credit score to lower drastically and when I contacted the company it said my balance was too high on other credit cards. This is very unprofessional and they have provided me no documentation showing that they are allowed to lower my credit score at any time. Seeing as how care credit has a pre approval process had I known that 4 months later my limit would only be XXXX I would never have agreed to a hard inquiry on my credit report. Upon further investigation I find that this company has been doing this to many consumers.
Consumer complaint received 2023-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Subject : Unjustified Credit Score Decrease by XXXX XXXX and TransUnion I am writing to express my serious concerns regarding the consistent and unexplained decrease in my credit score as reported by XXXX XXXX and TransUnion. Despite my impeccable record of XXXX XXXX on-time payments, my credit score has experienced an inexplicable drop of XXXX points as of XX/XX/2023. This alarming development has occurred despite XXXX XXXX 's own admission that there have been no changes to my TransUnion credit report. 

It is particularly disconcerting that this significant drop in my credit score has transpired in the absence of any adverse changes in my credit profile. All my financial obligations have been met punctually, and there have been no delinquencies or negative entries on my credit report. In fact, XXXX XXXX is not refreshing the proper updates to my my most recently paid bills to reflect the right credit score. XXXX XXXX does not fairly and accurately change my credit score when I make all monthly payments on time. XXXX XXXX fails to set the checkmark for the correct most to recently paid bill. Doing so only allows my score to drop without reason and it never increase for paying on time. 

I have meticulously reviewed my credit report daily, and it is evident that there have been no alterations, neither positive nor negative, that could reasonably justify such a substantial reduction in my creditworthiness. As a conscientious consumer, I rely on the accuracy and fairness of credit reporting agencies to maintain the integrity of my credit profile. 

This unjustified credit score decrease not only affects my financial well-being but also raises concerns about the accuracy and transparency of credit reporting practices. I strongly believe that consumers should be provided with accurate and consistent information regarding their creditworthiness. 

In light of these circumstances, I kindly request that the Consumer Financial Protection Bureau ( CFPB ) thoroughly investigate this matter. It is crucial that such issues are addressed promptly to safeguard the rights and financial interests of consumers like myself who have diligently upheld their financial responsibilities. 

I am prepared to provide any additional information or documentation required to assist in this investigation. Your prompt attention to this matter is greatly appreciated, as it will contribute to a fair and transparent credit reporting system for all consumers. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-09-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION (NH)

I was expecting a deposit from my employer which I usually receive by XXXX XXXX Capital one made no mention of a delay. I was told there was no issue and they havent received my deposit, but that was a lie because my employer is a large corporation and they paid everyone else. They then said it would be fixed by 1. That was also a lie. I have received no update, and they have received my deposit and will not make it available. This has had a detrimental impact on my life and finances.
Consumer complaint received 2017-12-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (CA)

On XX/XX/XXXX, I received an email from American Express stating the following : " '' We are writing to let you know that, unfortunately, you are not eligible to receive the Welcome Bonus for the Platinum Delta SkyMiles Credit Card from American Express. 

Activity on your account indicates an effort to reach the Welcome Bonus spend requirement in a manner that is not consistent with the terms of your Cardmember Agreement. 

Please recall that the " How Your Reward Program Works '' section of the Cardmember Agreement states : " If you violate or abuse this reward program, you may forfeit some or all of your miles. '' For your convenience, you can review your Cardmember Agreement anytime by logging in at americanexpress.com, and selecting " Account Services '' then " Card Management '' from the menu. If you have any questions, you can chat live with a Customer Care Professional once you 've logged in. 

Thank you for your Card Membership. 

Sincerely, American Express Account Services '' '' When calling American Express customer service to inquire ( XX/XX/XXXX ), they told me I would no longer be eligible for the sign-up bonus because my cancellation of a purchased flight was deemed an attempt by me to meet a minimum spend threshold to achieve said bonus. I asked if I am not allowed to cancel or return items, ( a big perk in my mind for using a credit card ) and was told because of the large amount ( {$1200.00}, 2 round trick tickets on XXXX XX/XX/XXXX ) and subsequent cancellation, they deemed it fraudulent. To me and most people out there, it is fairly obvious charge-backs or credits should n't count towards the minimum spend. When I ask if I may still meet the minimum spend as I still had over a month left to hit the mark, they told me I would no longer be eligible because of the " fraudulent '' activity. I do not believe I broke their Cardmember Agreement Terms. " Violating or abusing '' to them has been me cancelling a charge which seems outlandish. With nowhere else to turn, I 'm hoping the CFPB can help resolve this issue.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TD BANK US HOLDING COMPANY (NJ)

I am filing a complaint against TD Bank for breaking my consumer rights. They shared my personal financial information with other companies and credit agencies without giving me a chance to opt out, which goes against both federal ( Gramm-Leach-Bliley Act ) and New Jersey laws ( NJCFA and NJ Identity Theft Prevention Act ). When I told them I didnt agree to this, they said their Privacy Policy allowed it. I never gave TD Bank permission to share or sell my information. Ive asked them twice for full details about this account, but they only sent me a Promissory Note, which shows theyve broken the Truth in Lending Act ( TILA ).

TD Bank also ignored my request to send all mail to a specific address. They keep sending it to an inconvenient address, which invades m
y privacy. Sharing my information without my consent is identity theft under federal law. This contract is void because it tries to commit identity theft and extort payments from me. The Promissory Note violates TILA, UCC, and COM. I never agreed to this, and TD Bank has my information due to identity theft.

The contract is invalid, and I am seeking damages for violations of the NJCFA, NJ Identity Theft Prevention Act, FCRA, TILA, UCC, and COM.
Consumer complaint received 2017-12-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (OK)

in XX/XX/XXXX I filed for bankruptcy due to medical conditions. I was in meeting with the U.S. district attorney where I was informed that I was eligible for up to 5 years of hardship/medical deferment before they can look at a possible discharge. Since that date I have made sure to renew my hardship deferment status each year. I registered all of my loans in XX/XX/XXXX for hardship deferment and was granted it. According to the Student loan data base this loan was placed in repayment status on XX/XX/XXXX by American Education Services ( further referred to as AES ) removed one of my loans from deferment and placed it in payment status. I was not notified. I received a phone call from a collection agency stating that AES had placed this loan in default on XX/XX/XXXX. At this time All of the other 7 loans are in hardship deferment but when I tried to discuss this with the individuals I spoke to in their customer service division they stated that I would need to pay the entire {$31000.00} now. I have 5 different XXXX XXXX and XXXX XXXX children. My medication alone is $ 300-400 per month and I have to pay for child care for my children during the summer that I have to save for during the school year. I do not qualify for any state assistance as I am a XXXX XXXX. I 'm trying to work as long as I can and have been an employee in XXXX XXXX my entire career. I barely make enough to take care of my kids and I am struggling to pay for my medications. This company has never worked with me in the past and how, when I have 8 open federal loan accts, how are 7 in deferment and in good standing and this 1 not be? 

I need help dealing with this company because they have yet to work with me in getting thing situated. This loan should not be in default. It is supposed to be on hardship deferment until XX/XX/XXXX. I know that is n't that far away but this should n't get this far to begin with. 
Thank you for your assistance
Consumer complaint received 2024-09-25
Product: Student loan — Private student loan
Issue: Getting a loan — Issues with financial aid services
Company: Navient Solutions, LLC. (SD)

With Navient, I took out over {$100000.00} in private student loans and should have been able to bankrupt on them back in XXXX. Instead I was sent to collections and paid over $ XXXX for a school called XXXX  XXXX XXXX XXXX that ended up being shut down and all of the jobs I apply for, nobody recognizes this school 's XXXX designation. Now, I can not even contact anyone to get the diploma or transcrpit that shows I went there. THis is a horrible scam and after filing borrower defense for this as well, I should be paid back all of this money I paid in for this to make me whole. I have no way to prove I even went to this school. I need help with the Borrower defense for all of my loans and a way to actually log into my account. PLEASE
Consumer complaint received 2024-09-25
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: AMERICAN EXPRESS COMPANY (IL)

American express took me to court for a fake debt they 'manufactured " by not accepting my electronic payments.. and requested the send them a paper check which American Express did not cash or credit my account in a timely manner to make my payment appear late and give me a {$40.00} late fee. month after month. i believe this is fraud and other consumers have told me this same scam happened to them with American Express. 
i have had to appear in court several time for {$390.00} and paid a settlement amount they received on XX/XX/year> and have a settlement agreement confirmation of terms for the account ending XXXX for the outstanding ( manufactured by Amex ) of {$990.00} Also i was sent a letter dated XX/XX/year> that says " Our records indicate that you have completed your settlement arrangement and resolved the outstanding balance on your account referenced above ''. on XX/XX/year> the court entered a judgement for the outstanding amount that was paid, i petitioned the court to vacate that judgement with the court honored. but Amex is still taking me to court for what reason i can not understand since this is paid in the settlement. Amex is a confused and lost company and is using fraud to steal monies from people like me.. a senior citizen and disablied
Consumer complaint received 2024-09-25
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA (FL)

You CANT be DENIED credit due to credit score, credit history, or income. Any adverse actions in consumer credit transactions is illegal.

15 USC 1691 & 12 CFR 1002 If you're denied, you have 30 days to submit a request for reconsideration. They are required to reverse the denial into an approval
Consumer complaint received 2024-09-25
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP (WI)

US Bank paper statements sent to the customer through the US mail display the full credit card number on the top of the statement. If you log into your account using the US Bank web site login you only see the last XXXX digits displayed. I would like all credit card company paper statements to only display the last XXXX digits for security purposes. My XXXX statement only displays the last XXXX digits. 

It is not legal for a merchant to print the full credit card number on a receipt for a customer. It should not be legal for credit card companies to print the full credit card number on paper statements. Paper statements are not secure in the US Postal System from theft and this puts consumers at risk for identity theft.
Consumer complaint received 2017-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AZ)

On XXXX XXXX, XXXX I sent letters to Equifax, XXXX, and XXXX requesting that they add five consumer credit accounts to my personal credit profile, and asked that they reply when the information had been confirmed and updated. To this date, XXXX XXXX, XXXX, I have not received a written response from either one of the Credit Reporting Agencies.
Consumer complaint received 2023-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I was approved for a buy now pay later loan by XXXX via XXXXXXXX XXXX I setup autopay, but for some reason my payments werent processed! The account I used to setup autopay has had no less than {$20000.00} a year, so there is no reason why these payments werent processed! I was let know via email that my payments didnt go through, but the emails ended up in my spam folder! I was never informed via phone! l or mail! Luckily one day I ended up in my spam folder and came across the email, so I made my account current. The problem now is I have 3 late payments on my credit report now. I should be responsible for a companies autopay system. Now my credit is ruined! Please XXXX  can you remove these late payments from my credit report!
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: World Acceptance Corporation (GA)

I was contacted multiple times i let them know this was not my account. this is a fraudulent account. I have filed an IDT. I asked for information on the debtor full name DOB last four of social they wouldnt give it to me
Consumer complaint received 2023-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I have been a victim of identity theft and no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The account I'm challenging has nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the listed account Bankruptcy XXXX  XXXX Date Filed/Reported : XX/XX/XXXX  Reference # : XXXX.
Consumer complaint received 2023-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$23000.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$15000.00} ; XXXX XXXX XXXX XXXX Balance : {$34000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$490.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$490.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$18000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ) XXXX Balance : {$2000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1800.00} ; XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX : XXXX XXXX , XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX Inquiry : XX/XX/XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX - XXXX XXXX Inquiry : XXXX XXXX, XXXX.
Consumer complaint received 2024-08-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (FL)

I recognize the importance of removing any incorrect information from my credit report as specified by FCRA 605B. Could you please review the attached documents? I've noticed discrepancies in several accounts, which is quite concerning.
Consumer complaint received 2024-09-25
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: CREDIT ACCEPTANCE CORPORATION (MN)

On XX/XX/year>, I entered into a vehicle loan agreement with Credit Acceptance Corporation under conditions that I believe were coercive and misleading. I was pressured into signing the contract by the dealership, who offered to cover part of my down payment to expedite the process. I did not fully understand the contract terms at the time, specifically the acceleration clause, which was not clearly disclosed or explained to me. This lack of transparency violates the Truth in Lending Act ( TILA ) as I was not informed about the consequences of missed payments leading to the full balance being due. 

Additionally, I feel that the interest rate of 19.49 % was predatory and not adequately explained during the signing process. Had I been fully aware of these terms and had they been clearly disclosed, I would not have agreed to this loan. The dealership exerted high-pressure sales tactics, rushing me through the paperwork and leading me to make decisions without understanding the long-term financial impact. Furthermore, I believe that Credit Acceptance Corporation failed to properly assess my financial situation and ability to repay the loan, which led to me entering into an agreement I could not reasonably fulfill. 

As a result, I am seeking resolution of this issue, including potential relief for the unfair and predatory loan terms, as well as an investigation into the practices of both the dealership and Credit Acceptance Corporation.
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

XXXX card, {$21000.00} credit limit, past due 120 days+ XXXX {$14000.00}, I am the victim of identity theft with XXXX  card services. XXXX opened a credit card under my name and SS number without my approval. The fraud was committed by a person with a California address and I have never lived in California. I have provided identity information to confirm who I am and filed a police report. XXXX has not communicated with me and has taken NO ACTION. This was first reported to XXXX in XXXX and they refuse to remove the information. I have tried to communicate with XXXX and have left email address and phone numbers but they never respond.
Consumer complaint received 2024-09-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Atlanticus Services Corporation (AL)

I reached out to the original creditor FORTIVA on XX/XX/year>. I asked if we could settle our debt. We came to an agreement that I would pay XXXX and our debt would be settled. Although we settled, Fortiva still turned my account over to a collection agency. The collection agency is XXXX associates. I provided proof of payment to XXXX. Fortiva also confirmed that we settled and XXXX still reported in accurate information to my credit report.