davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-13
Product: Credit card — 
Issue: APR or interest rate — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (LA)

I had credit card debt with Bank of America while I was XXXX in the XXXX ( XX/XX/XXXX-XX/XX/XXXX ). After I separated from service, I noticed XX/XX/XXXX that my card balances were unexpectedly much lower. I called Bank of America to inquire about the reason for the balance change. They told me on the phone that they had incorrectly charged me higher interest than was allowed under the Soldier & Sailor Act and that consequently, they had lowered my balance to adjust what they had illegally charged. So I never saw this money - it was just fraudulent interest followed by elimination of fraudulent interest. After I filed my XX/XX/XXXX tax return, I received a XXXX from Bank of America with a total reported " income '' of ~ {$10000.00} ( the amount that they had adjusted my balance ). Again, I never saw this money, so I did n't think I should have to pay taxes on money that was illegally charged and then corrected. I just got a letter in the mail from the IRS stating that I owe {$2600.00} in back taxes because I did n't claim the Bank of America income. In my opinion, Bank of America made a mistake reporting this as income to the IRS and should have corrected it, but clearly they did n't, and now I am stuck having to deal with the IRS to explain the situation. All of this because I volunteered to serve in the XXXX and BoA messed up the interest charges on my account.
Consumer complaint received 2024-10-09
Product: Credit 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: AMERICAN EXPRESS COMPANY (DE)

The situation involves a notice from American Express dated XX/XX/year>, regarding a XXXX XXXX XXXX account ending in XXXX. The letter informs that American Express has decided to assign a {$3000.00} Preset Spending Limit to the account following a recent review. The stated reason for this decision is that the average of recent payments, in relation to the balance on XXXX or more American Express accounts, was considered too low. 

This change means that if the outstanding balance, including any charges not yet posted, exceeds {$3000.00}, additional charges may be declined. The new spending limit affects all cardholders associated with the account. Although American Express may approve charges that exceed the limit at its discretion, those charges will still need to be paid. 

The notice offers options for further information or to request a review of the decision, which must be done by XX/XX/year>.
Consumer complaint received 2016-11-19
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Can't qualify for a loan
Company: AES/PHEAA (TX)

Ive been totally XXXX since XX/XX/XXXX, Ive been paying 12 years and i still have another XXXX or so years left. my husband is now not working, we are receiving social security. My husband is XXXX military and just came home for good from working in XXXX for 5 years. Ive tried asking for some kind of relief, but they will not help. Please someone help me to get this debt discharged. Borrowed {$20000.00} and to this date i still owe XXXX approximately time started repaying was after my daughter graduated from college in XX/XX/XXXX. American Education services is the loan person Thanks, XXXX XXXX
Consumer complaint received 2024-10-09
Product: Credit 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: AMERICAN EXPRESS COMPANY (FL)

On XX/XX/year>, American Express took adverse action against two of my personal accounts : the XXXX XXXX XXXX XXXX ( ending XXXX ) and the XXXX XXXX XXXX XXXX ( ending XXXX ). The credit limits on both accounts were significantly reduced to {$1000.00} each, with the cash advance limit set to {$200.00}. The stated reason for this reduction was that the average of my recent payments, in relation to the balances on my American Express accounts, was deemed too low. This decision was made despite my good faith efforts to keep all accounts in good standing. 

Similar actions were also taken against my business accounts, including assigning restrictive preset spending limits. These changes have collectively hindered my ability to effectively use the accounts for personal and business purposes. Furthermore, despite having tendered payment for these accounts, American Express has refused to process the payment, using coercive and extortionate measures to extract additional payments and justify adverse changes. 

The imposed limitations are unreasonable and not reflective of my payment history or account management. I believe these actions are punitive and retaliatory, and I request a review and reversal of the adverse changes, including restoring the original credit limits and removing preset spending limits on all affected accounts.
Consumer complaint received 2024-10-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC. (TX)

I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (MI)

Dear LexisNexis, I am writing to inquire about your data sharing practices with credit reporting agencies, specifically the XXXX major bureaus : XXXX, XXXX, and XXXX. 

I understand that LexisNexis collects public record information on individuals. I am interested in knowing if this data is routinely shared with these credit bureaus. 

If you do share public record information with credit bureaus, could you please elaborate on the types of data that are typically included? 

Thank you for your time and clarification on this matter. 

Sincerely,
Consumer complaint received 2021-01-13
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)

Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. see the attch U S DEPT OF ED/XXXX/XXXX Past Due Amount : {$5600.00} XXXX XXXX XXXX  XXXX Past Due Amount : {$2100.00} XXXX XXXX XXXX  XXXX Past Due Amount : {$950.00}
Consumer complaint received 2024-09-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Carvana Group, LLC (OH)

My order was cancelled because you changed the finance terms to something I couldnt afford any more and it was cancelled with in XXXX to change the XXXX insurance Carvana is still trying to keep {$990.00} from me when no service was ever provided
Consumer complaint received 2019-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (VA)

The following financial companies pulled my information and conducted hard inquiries on my account without my consent : Chase Bank : XX/XX/2018 XXXX XXXX : XX/XX/2018 XX/XX/2018
Consumer complaint received 2021-02-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (NC)

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''
Consumer complaint received 2021-01-13
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: Garcadia Financial LLC (SC)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX. XXXX, XXXX and XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. No contact information has been reported by this creditor. 
On XXXX. XXXX, XXXX, XX/XX/XXXX and XXXX. XXXX, XXXX, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX and XXXX. XXXX, XXXX, FOURSIGHT CAPITAL, LLC add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX and XXXX. XXXX, XXXX, FOURSIGHT CAPITAL, LLC add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2016-08-10
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC. (DC)

I went into Suntrust Bank on Wednesday, XXXX XXXX, 2016 and spoke with a representative to open a Checking and Savings account. I had a previous positive history with this bank with over four Certificate of Deposits that I open totally over {$10000.00}. So I get the new debit card in the mail for the checking account and I try to activate it. The card would not activate it was blocked. I went into suntrust bank to speak with a rep and he told me because I owed {$130.00} to the bank they have closed the savings and checking acct and put a block on the card. I was totally outraged, hurt and disgusted. I had just did a opening deposit of over {$4000.00} cash. So the bank rep pleaded to the office to not close my account but just deduct the {$130.00} out of my account. I was shocked and then on top of that I said well where is my cash deposits, I need my money now. Then the representative said Suntrust will mail your funds within 7-10 working days. I said oh my XXXX, you all have left me with no access to my money and my bills are due. They did nothing to resolve this. Now I am left with no bank accounts and money. Could you help me resolve this.
Consumer complaint received 2016-11-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC (LA)

Roundpoint Mortgage Servicing Corporation services my home mortgage. When their client purchased my Mortgage, they did so without the obligation to pay the property taxes. I am responsible for property taxes. I paid the property taxes as per my duty in 2016. I then began to receive notices that they wanted to me additionally pay into escrow with them. When I inquired about this, they stated that they had also paid the property taxes on my behalf. I asked them to correct this issue and not to bill me for unpaid escrow money. They stated that they could not correct the bill until they had received the overpaid taxes from the municipality. Given that the error was administrative on their part, I asked them again not bill this directly to me. They claimed that they would work this out on their end. Despite several conversations with customer service I have received bills including late fees and collections notices which I feel are harassment, given that the original issue was an administrative error on their part. I continue to receive these notices and would like them to correct the error.
Consumer complaint received 2024-09-22
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings (GA)

VALIDATION CEASE AND DESIST XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA, XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX Subject : Debt Validation Request Dear IQ Data International, I have received correspondence regarding a debt collection and need to verify that you have contacted the correct individual. I am writing to request validation of the debt you have reported to me in your recent communication and am requesting that you provide documentation supporting this. 

As per the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request verification of the debt. Please provide me with the following information regarding this debt : XXXX. A detailed contract showing the amount owed exists along with verification of the debt amount you are attempting to collect. 
XXXX. The name and address of the original creditor to whom the debt was originally owed and the current creditor. 
XXXX. Documentation showing that you are authorized to collect this debt, such as a copy of the original contract or agreement. Include documentation showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 

Please provide this information within 30 days from the date of this letter. During this period, I request that you cease and desist all collection activities until you have provided the requested validation. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. 

Please note that this request does not acknowledge that I owe the debt. If you are unable to provide validation, please remove this entry from my credit report and cease all further collection efforts. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-09-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (PA)

Beginning in XXXX of XXXX, my student loan payments were {$260.00} per month under the XXXX plan. At that time, ED stated that those who were on an IDR plan would not have to recertify their income until XX/XX/XXXX. My recertification deadline was in XXXX of XXXX, and I received a very scary notice that my payment would increase to {$1100.00} a month if I did not recertify on time. I decided to recertify in XXXX to avoid having to make an {$1100.00} payment that I certainly could not afford. 
I submitted the recertification of my income, and XXXX told me that it could be 90 days before I would hear back from them about its status. Worried that XXXX would auto-debit {$1100.00} from my account when my payment was due, I called them and expressed my concern. They put me into an administrative forbearance in the meantime. 
While my income recertification was being processed, ED announced that the deadline for recertifying income for the XXXX plans had been extended until XX/XX/XXXX. I called XXXX back and cancelled my recertification application because of the extension. At that point, my monthly payment should have reverted back to {$260.00}. Instead, I received a bill for {$1500.00} that was due in early XXXX. I called them back again to tell them that this was incorrect, and they stated that they would correct it. In the meantime, I was placed on another administrative forbearance until the end of XXXX. 
On XX/XX/XXXX I received another notice that I would owe {$1500.00} in early XXXX. See attached documents. Having to worry month to month whether or not XXXX will auto-debit {$1500.00} is outrageous. 
My XXXX account was XXXX of the ones transferred to XXXX this summer. I have had the same problem with EdFinancial ; they were telling me that the only way to get on a more affordable plan was to enroll in an XXXX plan ( which I was at the start of this whole mess ). Finally, I caved and submitted an application for XXXX. This was after the ongoing XXXX litigation upended the entire student loan system, so now my loans are in a processing forbearance until XXXX. I asked the EdFinancial representative what happens after XXXX, and she didnt know. XXXX likely have to call back in XXXX to try to get on another forbearance? And, all of this time doesnt count for XXXX XXXX putting my future in limbo in yet another way. The amount of vigilance required of student loan borrowers right now is abhorrent and impossible.
Consumer complaint received 2021-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

To whom it may concern, Pursuant to 15 U.S. Code 1681a- Definitions ; rules of construction ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter.

( 3 ) Restrictions on sharing of Medical Information.

Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by coperate control, if the information is ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the Consumer for medical products or services ; or ( C ) an aggregate list of identified Consumers based on payment transactions for medical products or services.

Pursuant to 15 U.S. Code 1681b- Permissible purposes of Consumer reports ( a ) IN GENERAL Subject to subjection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with written instructions of the consumer to whom it relates.

As a Federal protected Consumer, I never gave EQUIFAX any written consent to report anything on my consumer report, No consent is Identity Theft. Proof of the law Persuant to 15 U.S. Code 1681b is attend with this complaint.

Concerning the accounts listed below as a Consumer Im demanding a deletion of these accounts : XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX
Consumer complaint received 2019-05-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SYNCHRONY FINANCIAL (TN)

A while back I was a co signer for my daughter as well as a person they could call on a second account for her. The account I was a co signer on as been paid off and her original account I was just a person they could call if they couldn't get ahold of her. Since then she filled bankruptcy on her account, but now the company has placed my name on the account with her address and are trying to sue. I have never lived at her address, nor been a co signer for that account. All of this is with CareCredit/XXXX XXXX
Consumer complaint received 2016-11-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Ideal Collection Services, Inc. (FL)

An apartment complex has submitted communication to a collection agency that i vacated the rental property without notice and they also are looking to collect damages. I vacated the property in XX/XX/XXXX with an inspection report and a " ok '' from management. XX/XX/XXXX it hits my inspection report and I realize the debt as I was trying to finance a car. Does 5 years break the statue of limitations even if the charges were legitimate?
Consumer complaint received 2024-10-09
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: CITIBANK, N.A. (NY)

As a follow-up to my fax to Citibank ( XXXX XX/XX/year> ), I requested that Citibank refund to me {$310.00} ( {$160.00} signature loan payment of XX/XX/year> + {$150.00} signature loan payment of XX/XX/year> ). The amount requested was related to a delay in properly posting a check to pay off my Checking Plus Line of Credit. 

Citibank 's Executive Response Unit CERU responded to my initial request/fax ( dated XX/XX/year> ). The posting of a previously received and deposited check, in the amount of {$4900.00}, to pay off my Checking Plus Line of Credit finally occurred after almost two months of delay. 

I received a follow-up call from a Citibank representative on Friday, XX/XX/year>, at XXXX. During the 6-minute call, from ( XXXX ) XXXX, I explained that I was not made whole from the delay in posting the payoff check because Citibank : ( 1 ) Withdrew a {$160.00} loan payment on XX/XX/year>, prior to paying off the line of credit, noting that Citi received and [ improperly ] deposited the payoff check on XX/XX/year> ; and ( 2 ) Withdrew a {$150.00} loan payment on XX/XX/year>, prior to paying off the line of credit, noting that Citi received and [ improperly ] deposited the payoff check on XX/XX/year>. 

The Citibank representative understood each of my points, she agreed to research the matter, and told me to expect another follow-up call in approximately 10 business days. 

A second follow-up call occurred on Friday, XX/XX/year>, with a different Citibank representative XXXX During the 14-minute call, from ( XXXX ) XXXX, the Citi representative clearly conveyed the message that it was my fault that the payoff was delayed. She also stated that there was no record that my faxes of XX/XX/year> and XX/XX/year> were received by Citi. Notwithstanding the fact that I have a confirmation receipt for each fax sent to XXXX on XX/XX/year> and XX/XX/year>, and I included the receipts in my fax of XX/XX/year>, the Citibank representative continued to press the point that the entire matter was my fault. 

And even though the Citibank representative was not able to confirm that the fax machine possibly was not working or perhaps was not continuously monitored for the receipt of documents, she agreed to research the matter and reach out to me within 10-15 business days. As of the filing of this complaint, I have not received a follow-up call from the Citibank representative and I do not expect to receive her call.
Consumer complaint received 2016-08-10
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (CA)

I am filing this complaint because Equifax has ignored my request to provide 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 manner as soon as possible. Thank you.