davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-17
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (CA)

XX/XX/XXXX I applied for a Lowes Credit card at the time of applying my credit score was XXXX no lower then XXXX and Lowes approved me for a credit card in the amount of {$500.00} dollars I have since then paid my bill on time and had a balance of {$120.00} dollars. On XX/XX/XXXX I received a letter from Lowes stating they were closing my account immediately for having a low score. I called and spoke to a representative who stated yes my account was closed and I will be reported to the credit bureau immediately and did not give any further information in regards to my concern. In XX/XX/XXXX I was released from bankruptcy and my credit had no existing marks or denials, at this time I had to improve my credit score. I have two other credit cards that I have been approved for and have not experienced this concern, I feel I am a victim of discrimination! when Lowes who approved me for the credit card in XX/XX/XXXX new what my score was and approved me for credit at the time and for 3 months I was not contacted nor sent any information concerning this issue. This issue has effected my credit score including the derogatory remark that has been added to my report. I am trying to refinance and I am looking forward to buying another home since I have been in my home for over 15 years. I am a XXXX XXXX man who is being held back when I should have the opportunity to move forward seeking a quality of life towards social growth. Please help!
Consumer complaint received 2018-03-18
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: AMERICAN EXPRESS COMPANY (PA)

American Express is attempting to dictate what rules are allowed/disallowed by means of communication over phone calls. 

See below : Federal law permits recording telephone calls and in-person conversations with the consent of at least one of the parties. See 18 U.S.C. 2511 ( 2 ) ( d ). This is called a " one-party consent '' law. 

American Express is not mutually agreeing to recorded phone conversations on the borrower 's end. Please keep in mind that Federal Wiretapping laws permit mutual recordings if 1 party claims to be recording a conversation. Right away, I can already submit documented accounts of American Express representatives not giving consent when in reality, they lose their right to non-consensual phone recordings from the opposing party if they, themselves initiate the recording as part of their company policies. I'm quite surprised that American Express maintains non-consensual recording from their end when this is a very common law in the United States. If American Express wishes to continue alerting its members of non-consensual recordings from the member 's end, then, I believe they lose their right to continue advising members that they are going to record the conversations going forward and should be forced to cease all recordings from that point. 

American Express continues to flourish in its countless incompetence, and it's really quite appalling that this Credit Card company is masked in the illusion of no wrongdoing.
Consumer complaint received 2018-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

This compliant is in reference to a fraud alert listed to my report. I am having difficulty to having it removed. It is causing financial distress and I am not able to get approved for credit with creditors. I would like any and all fraud alerts removed from my report. 

Thanks, XXXX XXXX
Consumer complaint received 2018-03-18
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: FRANKLIN AMERICAN MORTGAGE CO. (IL)

Franklin American decided to do a maintenance upgrade during the repayment window they give you to not be late. I tried to make the payment but the online and phone system was offline which did not allow me or other borrowers to have the full window to make the payment. I sent an email request to have the late fee removed but they did not. 

Maybe this was an oversight on their part but this is almost like the XXXX issue when the payments were delayed to increase interest or cause late fees. I might be one of thousands that have a mortgage with Franklin America that experienced the same issue when they took down there system down during the allowed repayment time.
Consumer complaint received 2018-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NV)

This compliant is in reference to a fraud alert listed to my report. I am having difficulty to having it removed. It is causing financial distress and I am not able to get approved for credit with creditors. I would like any and all fraud alerts removed from my report. 

Thanks, XXXX XXXX
Consumer complaint received 2018-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: NCB Management Services Inc. (TX)

NCB Management Service Inc. repeatedly reports inaccurate account information ( date opened : XX/XX/2016 ) and without validation of the debt owe to the credit bureaus in violation of FDCPA and FCRA
Consumer complaint received 2018-03-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

XX/XX/XXXX I was charged a total of four overdraft fees of XXXX each totaling XXXX On XX/XX/XXXX I was charged an additional charge of XXXX totaling XXXX Capital one 360 bank charged me a total of XXXX $ charges on my account when I would consistently check my app before placing a charge, I escalated this issue several times and the company has denied taking off some of these fees because they are highly excessive. The app would be deceitful and show a available balance and than the next day show a negative balance. I had to pay a total of XXXX XXXX I need some assistance and someone to investigate into this case. 

I escalated this to every department available at Capital One 360 and they would not help.
Consumer complaint received 2018-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc. (NY)

A robo-caller from XXXX has been calling me for over a year, offering a better rate on my credit card. They called again today XXXX, XXXX. I am not given an option to opt out of the calls. 

I generally ask the caller who they work for, how they know about my credit, whether they know my name. Normally this conversation ends with the caller cursing me out in colorful language. The last couple of calls, when I asked to be put on the do not call list, they told me Experian loads their call system. 

I am on the national do not call registry and should not be getting these calls at all. If Experian is involved in promoting robo-calls, I expect the government to shut them down. 

Can you help with this issue? 

Thanks
Consumer complaint received 2018-10-12
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CO)

USAA Bank I received a text XX/XX/XXXX that my ex-husband had been added to my profile at USAA. When I called, the first agent told me there were 4 accounts under my soc sec that I was listed as trustee but she was unable to give me any info on the accounts ( I have three daughters ). The third agent that day with the fraud department started to give me the account info, then stopped because it was noted that he wasn't allowed to share info with me. Within 10 minutes, he claimed that suddenly my accounts " disappeared '' and that I no longer had accounts with USAA. 
Since, I have tried to get through multiple times - every other time, the agent says I have/had accounts and they aren't allowed to give me info because of their dedication to customer privacy. OR, they tell me accounts never existed. At one point, a woman walked me through the security questions so that she could give me XX/XX/XXXX ( and XX/XX/XXXX ) tax  paperwork ( I am responsible for the 4 of our filings ). Then, could not proceed without my ex verbally verifying himself as well, per notation on accounts that he was required to issue permissions.
Consumer complaint received 2018-03-17
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Constantino Law Office, P.C. (UT)

I Received a notice form a lawyer XXXX XXXX XXXXXXXX law office on XX/XX/2018XXXX which was from XXXX XXXX I written back saying to whom this is what debt this is and answer my questions according to the Fair Debt Protection act, I never received any correspondence from XXXX XXXX On XX/XX/XXXX my funds were taken from my Bank at XXXX XXXX XXXX XXXX XXXX Thinking this was a fraud, my bank told me my money was taken from XXXX XXXX which I believe this is a fraud, I have no knowledge of any judgements or anything on my credit report regarding XXXX or had any accounts from XXXX I recently checked my credit report there is no record or anything on this XXXX XXXX is at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX XXXX XXXX Therefore I am filing this complaint to get my money returned to me. I can be reached at XXXX thank you XXXX XXXX
Consumer complaint received 2018-03-17
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. (DE)

I have tried to dispute with Transunion about a couple things on my report like XXXX  which a loan company they updated the info but yet left the incorrect balance on there and its still showing open. The account is closed. Also XXXX XXXX XXXX XXXX. They reported me as a missed payment when I made a payment on XXXX XXXX. They also never informed me that this particular account had a due date. XXXX XXXX told me I had no missed payments because I was in the hardship program but yet Transunion is updating not deleting as they should.
Consumer complaint received 2018-03-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I received an approved offer of credit from a XXXX ( Bank of America ) credit card. I provided the required information and I have a XXXX credit score with XXXX  Credit Reporting Bureau. 

Therefore I believe that this denial credit is based on my age and Nationality and is discriminatory. Since I am an American Citizen and also XXXX. XXXX has had trouble with credit worthlessness and I am being discriminated on the basis that I am of XXXX origin.
Consumer complaint received 2018-03-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have been trying to convince Transunion that a collection adverse account has been incorrectly reported on my file and they keep saying that the company reported the collection is the one that they will listen to. They mention that they lunched an investigation and their investigation has found that the company correctly reported the account. 
They refuse to tell me how they conduct the re-investigation and though they promised me to send all the papers related to the investigation and all the evidence related to the case, they never did. All I get is a copy of my credit report. I have repeatedly told them that the name on the collection account is not my name but instead of using this information, I just found that they have added a new version of my name, the wrong one provided to them by the collection agency. They also added a phone number that does not belong to me. 
I feel that Transunion also side with the company reported the account and they do not want to listen to my repeated request that the account is bogus and does not belong to me. 
I had to spend a lot of time again to convince them to reinvestigate and although they agreed at the end, I believe it will not be taken seriously nor they will send me all the paper work related to their investigation. 
I have spent a lot of time now for this problem and I feel that as a consumer, I have never been treated fairly by Transunion. I also have similar experience with XXXX  but they are still investigating the account so I can't say that they didn't investigate the issue properly but I am so afraid it will be the same as Transunion. They seem to have similar work code.
Consumer complaint received 2018-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

Re : USAA XXXX Account # XXXX Credit Limit {$8500.00} Account Holder : XXXX XXXX XXXX TO USAA Federal Savings Bank XXXX XXXX XXXX XXXX {$9900.00} I do not agree that my XXXX XXXX XXXX was ever as high as {$9900.00} and am certain if I had ever charged over my {$8500.00} credit limit, USAA would have notified me and I have no records of them doing that.
Consumer complaint received 2018-03-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

on XX/XX/XXXX I receieved a notification from XXXX stating I had an alert for a new credit inquiry. ( When I looked it stated XXXX XXXX ). I until todays date have not receieved a 30 day right to dispute letter. I amcertain your company is familiar with The Fair Debt Collection Practices Act states that a debt collector must send the consumer a written notice containing the amount of the debt, name of the creditor and a statement stating they have 30 days to dispute the validity of the debt or the debt will be considered valid by the debt collector. Failure by the consumer to dispute the debt within that 30-day time period is not considered an admission of liability. Once I received the alert I XXXX the company and sent them a letter certified and with return receipt. As you can see the copy of the return label it was signed for by XXXX XXXX or XXXX XXXX ( camt read the had writting ) on XX/XX/XXXX ( see attached ) here we are XX/XX/XXXX and I have yet to recieve debut  vaildation or a letter stating the primary purpose fo rrunning my credit. On my credit report It states I allegedly owe XXXX XXXX XXXX dollars.Attempts to collect debt not owed without vaildation is illegal.I will be filing a consumer complaint with the FTC as well due to the failure to reply with 30 days.Im sure you know, under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until the debt is validated. You should be made aware that in XXXX XXXX, Plaintiff, vs. XXXX XXXX, No. XXXX XXXX UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA, XXXX, the courts ruled that reporting a collection account indeed is considered collection activity. Therefore you are in violation of this section of the FDCPA. I will be taking legal action against Transunion for defamation of character, Failure to vaildate debut.
Consumer complaint received 2024-10-09
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. (CA)

Im requesting help with the inaccurate account thats appearing on my credit report. The situation has impacted my reputation, and I need your support to resolve it. Due to the wrong information in my report, my reputation has been ruined. You need to remove this incorrect data from my report immediately.
Consumer complaint received 2018-03-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/XXXX at approximately XXXX EST I logged into Capitalone.com to pay off my credit card in the amount of {$2500.00} ; my payment was dueXX/XX/XXXX. Immediately after I completed the transaction on the same date and at approximately XXXX EST I called Capital One to close my account. There was an automated service for account closings but I wanted to make sure that I spoke with a person to ensure my account was closed. The represenative I spoke with said he would close the account but that I would receive a final statement for interest. I advised that the interest is always charged on the XXXX of the month and charged when there is still a balance ; I had no balance. I also advised him that I made sure that I paid the current balance, that the current balance and statement balance were the same amount and that the full payment was made before the due date and before the next statement closing. He asked me if I would like confirmation of my account closing in writing and I advised I would, however, I still have yet to receive that in the mail ; my online account is currently notated as " restricted ''. He then threatened me with not only interest but interest accuring on top of the interest I allegedly owe in addition to fees until I paid Capital One. I asked him to notate my account as I would be filing a complaint. I continued to receive e-mails, more e-mails reminding me there was an alleged payment due in the amount of {$43.00} than I ever received when I had an account open. I called today, XX/XX/XXXX at approximately XXXX XXXX EST and spoke with a supervisor named XXXX. She said she would put me on hold and look into getting the {$43.00} " waived ''. She said they could not waive the interest although it is my position they should fix their erroneous calculation. XXXX also stated that the notes indicated the represenative that I spoke with on XX/XX/XXXX offered me a payoff amount ; he did no such thing, he said I would receive a final statement for the interest and offered threats because I advised I would be disputing any amount charged and because I paid off my entire current balance and closed the account. I asked XXXX to notate further that I would be filing a complaint with the Consumer Finance Bureau.
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: Experian Information Solutions Inc. (LA)

I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

Unauthorized inquiries : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2018-03-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

case XXXX CFPB # XXXX ACCT. ENDING IN XXXX I really don't understand why Capital One can't answer this simple question they have closed both of my accounts just out of the blue one day I have asked over and over again I even called in the woman on the phone says that it look like I had a dispute that I didn't tell the truth on I asked her which dispute she was talking about she didn't know and I've asked Capital One over and over again to please tell me why they've closed my account they keep telling me that they reviewed my activity but they haven't been able to tell me why specifically why you close my account what I did wrong they just keep telling me that they've made their decision and they're not going to reverse it okay that's not what I'm asking you to do keep your credit card I don't care i have a wallet full of them but I'm not going to go away until you tell me what it is you think I've done wrong
Consumer complaint received 2018-04-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JH Portfolio Debt Equities, LLC (TX)

I sent a request for validation to JH PORTFOLIO DEBT EQUITIES for the they claim I owe them, they received my initial letter on XX/XX/2017. They didn't reply in a timely matter of 30 days. Also they didn't furnish the credit bureaus with a notice of dispute on my account. I sent a letter to the Chief Executive Officer XXXX XXXX explaining all of this and told him his company needed to delete it form my credit reports but he chooses not to. Thanks for your review.
Consumer complaint received 2018-04-29
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (NJ)

On XX/XX/XXXX my mortgage was sold to Freedom Mortgage Company I made my first payment with them on XX/XX/XXXX. I begin receiving phones call from them indicating that they had not received my payment. I then contacted my bank, XXXX XXXX XXXX and they investigated and concluded Case ID : XXXX, that the payment had been received by them. Then in XX/XX/XXXX I made my second payment XX/XX/XXXX and found out that this company applied my XX/XX/XXXX payment to XX/XX/XXXX. Then they begin calling me for a XX/XX/XXXX payment, on XX/XX/XXXX I made a payment for XX/XX/XXXX and they have applied that payment to XX/XX/XXXX and now are calling for a XX/XX/XXXX payment. In XX/XX/XXXX I spoke to XXXX ID # XXXX @ XXXX who informed me that my XX/XX/XXXX payment was misapplied and that it was found and everything was straighten out apparently it's not and I'm continuously receiving calls for payments that I've already made. Once again my bank is involved and they can't understand what the issue is either considering that they have already provided an investigation into this matter, because once again they're saying that this all goes back to my XX/XX/XXXX payment that they didn't receive.
Consumer complaint received 2018-03-17
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: HCFS Healthcare Financial Services of TeamHealth (MI)

XXXX sent me a letter with procedures and the amount charged {$900.00}. That is not validation nor verification. This debt is not mine also the validation they sent was a HIPPA violation to whom ever charges these are. I have no signed contract or knowledge of me having these procedures done ... XXXX and the original creditor XXXX XXXX are not licensed in the state of Michigan I want to include according to the state of Michigan Licensing website!