davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance to FCRA XXXX XXXX, these accounts was further disputed in XXXX 2017. XXXX did not respond to initial dispute within 30 days as allowed by the FCRA. They have continued to report inaccurate information and these two accounts to two credit bureaus. In accordance, they are bound by FCRA to remove alleged debt from that is being reported. It is now XX/XX/XXXX, 2017 and past 60 days when these accounts were initially disputed. XXXX XXXX has continued to attempt to collect debt that they know is not valid and not able to be verified. Multiple disputes in regards to this issue have been filed over this, including a previous dispute with CFPB. In addition, XXXX XXXX, XXXX, Transunion and XXXX received certified letters requesting validation on this inaccurate report. They have blatantly broken the law as they relate to FDCPA and FCRA guidelines. On more than one occasion, I have tried to resolve this issue with them but they are refusing to follow the law in regards to this issue. The accounts need to be removed. They also stated that documentation was mailed to me which is false. Nothing since they placed these accounts on my reports has been mailed to me. The second issue is that it had been has been proven that the accounts are not valid, no information was provided to verify this account. They state that they are about professionalism but it is obvious that they are not. They have been deceitful, dishonest, and unprofessional in the manner that they have handled this issue from day one. I feel that the only course of action is to file a civil suit which my attorneys have drafted up and will present with my signed petition on XX/XX/XXXX/17. I am tired of dealing with this company and this issue. I will also be filing a complaint with the Attorney General as it is within my rights. They have made this process long and hard. I have also provided proof that they received the letters which was sent certified mail over 3 times to the credit reporting agencies and XXXX XXXX. Also they could not verify definitively that the accounts are mine and that they belonged on my credit. If they were sure they belonged to me, why is it so difficult for them to provide proof that this account is mine, I would like documentation with my signature, and receipts. This is what I mean by dishonest and unprofesisonal business ethics and practices. They have cost me money in this process of disputing with them and this is getting out of hand. They stated that they have a right to collect but they indeed DO NOT by rights and provisions provided to consumers under FDCPA and FCRA. This harassment and blatant disregard for the law is what is have me want to seek damages from XXXX XXXX with filing legal suit against them.
Consumer complaint received 2017-02-21
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Credit Collections U.S.A., L.L.C. (PA)

I discovered that a bill that I had paid in XXXX of 2016 was still showing on my credit reports as active and uncollected with Credit Collections USA. I called the original creditor ( whom I had paid ) and they advised that they had conacted the collector to withdraw the collections. I filed a dispute with XXXX and the collector had affirmed the debt was still active. I then called the colector who hassled me until I started a XXXX way call with the original creditor. Duing this conversation, I requested that my credit reporting be retroactively updated to show that I had paid the account off over a year ago : CCU refused to do this and claims that they can not due this. CCU has ignored their client 's and my requests, and refuses to rectify the damage that they have caused to my credit. I am a young professional looking to purchase a vehicle soon, and I feel that CCU 's deliberate and damaging actions are holding me back.
Consumer complaint received 2017-04-01
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capital Accounts, LLC (NC)

This account has already been settled with my doctor 's office. It was paid in full on XX/XX/2017 directly to my doctor 's office. As of XX/XX/2017, I was still listed with the collections agency, Capital Accounts, as owing a balance. When I called the office administrator at my doctor 's office to address the matter, she said she called Capital Accounts and told them I had settled my account but there was nothing else she could do to get it removed from my credit report. At this point, I 'm not sure what I 'm supposed to do, and now my credit score has dropped significantly because of this situation.
Consumer complaint received 2017-02-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA (NY)

This is a complaint I submitted about a year ago but I no longer see it listed here. Federal loans that were taken out in XX/XX/XXXX and XX/XX/XXXX were consolidated under the new student loan programs started by President Obama. FedLoan student loan servicing has incorrect information about these loans and it is negatively effecting my ability to apply for lower month repayment plans. These consolidated loans show up as having been borrowed, gone into repayment, had the first bill due and defaulted all on the same date in XX/XX/XXXX. I was not a student in XX/XX/XXXX so no loans were borrowed in XX/XX/XXXX. A loan would not go into repayment on the same date that the first bill was due. Loans do not go into default until 290 days after no payment has been received from the first due date. So none of this adds up. I have tried numerous times to use logic when working with someone at FedLoan over the phone. I have not accused an individual of doing anything wrong, clearly this is a computer error, all I 'm asking is that someone agree that it does look fishy and then look into what may have happened. As of right now, because of the status of those consolidated loans, my monthly payment is XXXX times more than what I make in a month. I clearly can not make those payments. I need some assistance getting FedLoan to review those loans and see that they are miss-marked. I have worked with CFPB on some other loans that XXXX temporary lost and the outcome was good. Though, when those loans were transferred into the hands of FedLoan servicing, the person on the phone said that there was no such agency as the CFPB and that there is nothing called the OMBUDSMAN group. I pointed out that both these entities existed and that they were government agencies which is why they have .gov URLs, to which the person replied that anyone can get a .gov address. Clearly we are not working with the best and the brightest here.
Consumer complaint received 2015-08-25
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL (CA)

There is a Care Credit ( Synchrony Bank/GE Capital ) settlement agreement and the number on the form,XXXX goes to an automated voicemail saying that the resolutions will be completed by end of XXXX quarter 2015. We are now in XXXX quarter of 2015. No one is available to speak with me regarding my claim. The post card I received in the mail was very vague and said I " may '' get a refund check but, did not clarify the exact status of my claim. There is not another contact number or address that I can find. I feel they are not communicating properly about the agreed upon claims.
Consumer complaint received 2017-02-19
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Levy & Associates, LLC (TX)

Levy & Assoc. have been harassing me for over a year. They claim that I owe Ohio Sales Taxes. They claim they found my name listed with a business that I have NO knowledge of. I tried to explain to them that they have the wrong person and the e response was why are you so upset then? They call me all day everyday from several different phone numbers. Today I opened my mailbox to find XXXX different letters for XXXX different accounts. I feel they chose me because of my past credit issues which I have never disputed. This however is totally different because it 's an absolute lie! It 's a travesty that they would be allowed to virtually terrorize someone on a daily basis just because he has had financial issues in the past. They have told me that the State Of Ohio is after me, this after I just moved out of the State. I have never been in sales and I ca n't possibly owe Ohio any Tax. Instead of finding real culprits, they have settled for a XXXX and if I did have the money they are accusing me of I would hire a lawyer and sue them to no ends for the pain and embarrassment they have caused me!
Consumer complaint received 2017-04-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I called Transunion and told them that I was apart of their inquiry error that occurred in their system where they removed my inquires and then reposed them without notifying me and the Customer Service department did n't want to help me get the issue fixed. I want the following inquires removed off my credit report. Thanks for your attention to this issue!! 
1.XXXX 2.XXXX 3.XXXX 4.XXXX 5.XXXX 6.XXXX 7.XXXX 8.XXXX 9.XXXX 10.XXXX 11.XXXX
Consumer complaint received 2017-02-04
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I have credit card with bank of America that had a high Balance ( aprox {$4800.00} on a {$5000.00} line ) I made a payment Of {$2500.00} to decrease my high balance against my available Line in an attempt to help restore my credit score to a higher Level. Bank of America with no notice immediately Decreased my line to {$2300.00} after they received the {$2500.00} Payment leaving my credit usage to still show I have high Usage against my available line of credit as they had Reduced it! I think them being able to decrease a line of Credit with no warming or grace period is extremely unfair From a consumer stand point and this should not be allowed. 
If bank of America gave mea 90 day notice at lease I would Of know and the credit bureaus would of been able to factor True situation into their metrics! I think this should be Addressed across the industry not just bank of America As I am sure I am not the only victim of this. 

thank you, XXXX
Consumer complaint received 2016-10-02
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

0n XXXX i received a letter from bank of America , declaring that the bank has put stop payment on my checks according to my request! the fact is that i had never requested the bank to do so, and the bank later on admitted that they have done this by mistake and there has been no requested on my behalf.this wrong action put me in a trouble my credit record has been damaged because of the returned checks, and the worse i have been in a XXXX situation.i strongly want the bank to pay a price for putting me in a miserable situation.
Consumer complaint received 2016-10-22
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP (CA)

FACT # XXXX ) I have a secured credit card with US BANK. Every time I indicate to a " live representative '' he/she would ask " which savings account would I like to pay from ''. Oddly, because there 's ONLY ONE OPENED by me XXXX associated with only XXXX checking acct XXXX. 

So TODAY, I inquired with a live agent " XXXX '' about this. He says, " there 's XXXX and I 'll transfer over to the department that handles this. '' To our surprise, US Bank secured credit card dept. lol. Then when I ask them please clarify the XXXX XXXX XXXX XXXX savings accounts whenever I wish to make a payment. XXXX, supervisor, stated maybe when you do an automated payment ( but I NEVER do ) I always speak with live rep. So, she says " maybe they are confused. '' I forewarned her the suspicious activities with XXXX XXXX Bank opening up accounts without one 's knowledge is absolutely illicit. She concur.
Consumer complaint received 2016-10-02
Product: Prepaid card — Gift or merchant card
Issue: Managing, opening, or closing account — 
Company: Paypal Holdings, Inc (IN)

On XXXX XXXX, 2016, Paypal closed my account without any valid reason. The following message is displayed right after I logged into my Paypal account : ***** We recently noticed an issue with your account. To see what you can and ca n't do while your account is limited, go to the Resolution Center. 
Why is my account access limited? 
Your account access has been limited for the following reason ( s ) : XXXX XXXX, 2016 : We need a little bit more information about some money you recently received or withdrew. 
( Your case ID for this reason is XXXX. ) This limitation can not be appealed. 
***** The recent money Paypal indicated in this message, which I received, were around {$100.00} from cashback portal websites like XXXX, XXXX etc, and every single cent is traceable by its transaction name and source. I did withdraw them to my own checking account, however, I do not think it violated any Paypal 's policy or national laws after I carefully read Paypal 's terms and conditions and related regulations. 
Paypal closed my account with such groundless excuse and refused to further review my account, I tried to call in and email them via messages, explained everything patiently, but all I got were nothing but templates. 
Because of Paypal 's closure of my account, all of my eBay gift cards that are linked to Paypal are unusable. Even after calling in or emailing, Paypal still refused to unlink my eBay gift cards or return my money. 
I talked with eBay and they asked me to refer to Paypal for this issue, and I think eBay is right since it is Paypal that holds my money. 
Paypal has been doing this kind of illegal holding of one 's money all the time and I think it should be brought to attention.
Consumer complaint received 2016-09-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Consumer Financial Protection Bureau To whom it may concern, I started this dispute with all XXXX credit bureaus TransUnion, XXXX, and XXXX on XXXX XXXX t 2016. I done so via : calling, faxing, and mailing in my original disputes. I received a responses from all XXXX credit bureaus, stating that my disputes were resolved. However, something has went terribly wrong, in a matter of days I have had to open all disputes and they have dropped my credit score over XXXX of points. Due to the inaccurate reporting I have lost the ability to obtain my business loan and my down payment for my business. Every time I have contacted them they open another dispute for another 30 days. I do not have another 30 days from never. I have also contacted the companies that they claim have these things and other inaccurate reports on my credit and the companies do n't even have the paperwork to substantiate their claim this is further cause me to stress and I would like for them to cease and desist any further derogatory activity on my credit I am including all the documentation that I can find VA email and any other little disputes also a copy of my credit scores last week my current score is now a copy of my student loans and their current and when they 're due and anything else that I could find that could include of a along with the original documentation this process has been most stressful
Consumer complaint received 2016-09-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

I have asked Transunion a number of times ( 4 ) to provide me with verification of documents for a Bankruptcy that they are listing on my credit report which I am unaware of. Per the FCRA they are to provide me with a signed document that contains my signature and they continue to reply with " the debt has been verified ''! In addition, they have not marked my credit report " disputed '' as I have disputed the item several times. I have n't been approved for loans because of this
Consumer complaint received 2016-10-03
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (RI)

I received my escrow analysis XX/XX/2016 stating there is a shortage in the amount of {$270.00} and if made in full by XX/XX/2016 my mortgage payment would be {$950.00}. I made four payments in the amount of {$70.00} totaling {$280.00}, final payment received by Chase was XX/XX/2016. I have made three ( 3 ) calls to the customer service area trying to get this corrected as they have applied the escrow payments to everything but the escrow account. I received a statement XX/XX/XXXX stating my payments were {$970.00}, this was paid, then I received another statement XX/XX/XXXX after the 3rd call stating the payment amount starting for XX/XX/2016 will be {$960.00}. For the next 11 months there is a difference in favor of Chase of {$150.00} from what my escrow statement stated my payment of {$950.00} should be once the {$270.00} shortage was paid. Every year my escrow is short and I can never understand why, I make the additional payments through out the year and the funds never seem to add up. I am requesting assistance in getting this corrected as I do n't seem to be getting anywhere with the customer service department.
Consumer complaint received 2017-02-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: AMERICAN EXPRESS COMPANY (CA)

Hi, My name is XXXX. I have a credit card with American Express ( XXXX ) In the month of XX/XX/XXXX my monthly statements were not received, and American Express reported my account delinquent. I contacted them and they agreed to remove the delinquency out as they had undeliverable address and the mail was returned to them. They faxed me credit verification release form which proves that the delinquency was corrected to never late. I keep faxing the letter to credit bureaus they remove the delinquency, but with the next month credit reporting cycle AmEx reports delinquency again. When I call them they assure me that it was removed and re-fax the letter but every month they keep reporting me late. Because of that issue I get my credit cards limits slashed, and even closed. I even got a car with a high interest rate because of bad credit. I keep calling the bureaus they tell me AmEx is the one furnishing the information, I call AmEx they assure me it was removed. Please help me with this matter, as I am stuck in between the credit bureaus and AmEx. 
Thank you very much.
Consumer complaint received 2016-06-02
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: GVA Holdings, LLC (IA)

I accepted a payday loan from Northcash without realizing the higher interest rate. I was loaned {$500.00} and was expected to pay back more than {$1000.00}. I made over {$600.00} worth of payments before I realized that their practice of requiring the use of automatic ACH transactions was illegal, that the interest rate was more than the allowed interest rate for Iowa payday loan laws and that they were not licensed in the state of Iowa. I have contacted my bank to stop the ACH transactions but Northcash is harassing me and calling all hours of the night and sending collection letters.
Consumer complaint received 2016-09-18
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I 've had this Capital One credit card for at least 6 years, without incident. My current credit score is above XXXX based on their own monitoring platform. I have not requested a credit limit increase in years. Yet, when I submitted the formal request through their site I was declined because " Recent use of this account 's existing credit line has been too low ''. ( Something I never heard from the XXXX other cards that increased my limit by XXXX-XXXX within the last 6 months. ) When I called to ask for general guidance around this undocumented and irregular practice, it was suggested that I consult a financial adviser. This disingenuous answer was not the operator 's fault, there was a meaningful pause while she asked a supervisor. *1. ) This answer is insultingly nonsensical. How would any 3rd party have specific insight into Capital One 's secret internal procedures they are unwilling to disclose to customers. *2. ) I have used and paid the balance every month for years. It 's inappropriate to demand higher usage because low balances/usage are a key part of every credit rating algorithm. I do n't see how a minor increase in credit limit should be contingent on a customer damaging their own credit rating. * 3. ) This denial, and what it represents, illustrates that Capital One has systematically violated the basic premise of credit ratings. They start low, and increase as consumers build a documented record of constructive behavior. There are only two ways to increase one 's credit score without applying for more credit. One, wait as the average age of revolving accounts and general credit history increases. This is a very slow process when the optimal length is 25+ years. Two credit limit increases every 6-12 months based on proper usage. Again, this is the only meaningful path for responsible users to systematically increase their credit score. By actively sabotaging this vital industry standard practice Capital One has expressed their intention to dishonestly prevent upward mobility and keep their own customers trapped in the indentured servitude that is undeservedly poor credit scores.
Consumer complaint received 2017-02-18
Product: Credit card — 
Issue: Transaction issue — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

On XXXX XXXX, 2016 I was online to buy concert tickets from XXXX website, exclusively, and was expecting to conduct the transaction through XXXX or its licensed ticket agency, XXXX. 
Unknown to me, my transaction was hijacked and diverted by a trolling site, prodding me on to select available seats, section, etc., and promptly swept me to their checkout to secure the tickets I chose. 
Once the transaction was completed, I realized I had been duped and defrauded of {$500.00}, as the concert tickets did n't actually go on sale until XXXX-CST, some 10 minutes later. 
I IMMEDIATELY called Capital One-MasterCard to dispute this fraudulent hacking of my computer and transaction, and told them exactly what transpired. I was assured the charge would be reversed. 
It WAS N'T. After NUMEROUS calls, conflicting information from one phone clerk to another, Capital One simply sent the " contract '' provided by the fraudulent " service '' claiming I entered into a contract with, and told me I was out of luck. 
I have gone so far as to file complaints against this " ticket '' company with the Secretary 's of State with both XXXX, and XXXX ( the State in which this perpetrator of fraud conducts business ), and explained how I was defrauded of {$500.00} from Ticket Fulfillment Services. 
I am close to expiration of my dispute claim and, if forced to pay, I will NOT receive the tickets which I had to purchase LEGITIMATELY from XXXX, which is with whom I was expecting to do business with in the first place. 
I had EVERY right as a consumer to dispute and refuse payment for the fraud that was committed. However, Capital One-MasterCard has been completely unprofessional, indifferent, and worthless in protecting me, as their customer.