davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (KS)

We have had a XXXX XXXX Business Mastercard since XXXX, we have never had a balance carried, always have paid in full every month. XX/XX/XXXX our account was put on restricted status, not sure what that even means, all our cards were immediately rendered useless. I called into Capital One and was informed that the cards were restricted and that no other information could be given to me. All access to our account was suspended. I can't find out what charges have been made either online or via phone. The suspension of our account has created a hardship for our business and employees. Our treatment by Capital One has been unacceptable.
Consumer complaint received 2018-07-18
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (MD)

Credit limit dropped purportedly due to not honoring or fulfilling the terms of stated contract. 
I am a long term customer of XXXX ( XXXX ). On XX/XX/XXXX, via XXXX XXXX, I learned that my credit limit on both of my accounts had been decreased to the actual balance owed on the card. On XX/XX/XXXX, I immediately inquired as to the reason ( s ) behind the decision which has detrimentally affected my credit history/score. Unfortunately, no representative of XXXX XXXX took this into consideration of which one representative, purportedly a manager, XXXX, readily admitted 'that they have no way of knowing what impact lowering a person 's credit limit will affect the score/credit rating. 'Sufficed to say, as a victim of identity theft and being XXXX  since XX/XX/XXXX, I know the impact this incident has done to my credit. Moreover, I have VERIFIABLE PROOF of how my credit has been affected by lowering my score. I received an alert from XXXX regarding my credit ; and sure enough when I viewed the alert, my score had been lowered and it had been reported that XXXX had lowered my credit. Also according to XXXX while continuously apologizing, she alleged that based on information in my credit report, 'they ' made the decision to lower the score. Apologies were not accepted for by no means were they sincere. Shortly thereafter, I spoke to another ( purported ) manager, XXXX, who alleged the credit was lowered due to my account being delinquent ( 3 ) months. She further stated, 'You agreed to pay your account on time and you failed to honor the agreement which you signed. ' This infuriated me even more for it was abundantly clear that NO consideration was or has been given for my years of loyalty as a customer of XXXX where I purchase all my clothing and some household items. Now, after reducing my credit limit, I am unable to buy anything at this point. Notwithstanding, in terms of my account, I also have Credit Protection whereby where it is alleged that I was delinquent, a claim was in place. Her response to me which was rather rude, insulting, and condescending to say the least : 'Any order to have your bill paid, you must first file a claim ... 'After that derogatory remark, the conversation continued to decline rapidly. Notwithstanding, my account has been handled several times with the Credit Protection. This was simply due to several ( brief ) periods of unemployment which ultimately led me to being XXXX. Now that my XXXX  is coming to an end, ( XX/XX/XXXX ), I have to contend with tarnished credit because XXXX doesn't deem me worthy of having credit and therefore deems the solution to further tarnish my credit. This is most unfair and discriminatory at best.
Consumer complaint received 2018-07-18
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ATG Credit, LLC (IL)

In my attempt to pay the amounts listed on my credit karma report, I called XXXX XXXX XXXX   and spoke about the amounts owed. My XXXX XXXX indicates that I owe {$170.00}, {$140.00} and {$99.00}. According to the person I spoke to the agency has reported two amounts that are incorrect and it is the same account. The only amount that I owe is {$99.00} and the other two amounts are listed wrong and repeated on my credit report. I have called the collector agency ATG at XXXX XXXX XXXX today and left a message ext XXXX. The account is listed to be opened on XX/XX/XXXX and last time reported on XX/XX/XXXX for the amount of {$140.00}. The other amount {$170.00} indicates to be opened on XX/XX/XXXX and last reported on XX/XX/XXXX. 
The person from XXXX XXXX was able to provide me with the information for {$99.00} from ATG-account # XXXX. She had no record of the other amounts.
Consumer complaint received 2018-07-18
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: CITIBANK, N.A. (MI)

filed a dispute with XXXX  with one company called XXXX 's that was supposed to be in a listed in chapter XXXX case with it being discharge date XX/XX/XXXX and I noticed that it was reopen up till past that year like it was in use XX/XX/XXXX-XX/XX/XXXX. XXXX  did and investigation for quite some time then about received a letter and on line through my email XXXX that removed the 3 XXXX 's that were on bankruptcy were totally deleted from my credit report but today I notice today XX/XX/XXXX I went and checked in the inquiries and that it is still listed on my credit report, so I was falsely was mislead saying it was completely off my credit report completely. I want to do what ever you can do to do to make this up to me. Heres a copy of that inquiry XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Consumer complaint received 2018-07-18
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TX)

A company reporting a debt will not send any information other than a bill. Experian is reporting as delinquent. I have asked them to verify and send any information about the debit but they have not authenticate the debt. They still refuse to remove from 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: Experian Information Solutions Inc. (CA)

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-01-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc. (TX)

On XX/XX/XXXX, my daughter transferred money to me via the CashApp. The money was never deposited into my account. I contacted the company via their cashsupport email address on XX/XX/XXXX and XX/XX/XXXX. As of XX/XX/XXXX, they have not replied to any of my emails and the money was never deposited into my account. I'm will to disclosed my bank statement as proof. 
The money was transferred on XX/XX/XXXX @ XXXX. The identifier is XXXX. 

The money was transferred from $ XXXX and was supposed to go to $ XXXX. The transaction is showing up in the app, but the money never went to my account. Even after trying to do the 'cash out '.
Consumer complaint received 2018-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have looked over my credit report and I see several addresses I do not live at listed on my report. My name is XXXX XXXX XXXX The following address are not mine and need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX # XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX
Consumer complaint received 2018-07-17
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: Pressler & Pressler, LLP (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX SEND THE COP TO MY HOME THREAT TO TAKE ME TO COURT.TRING TO SUE ME FOR A CREDIT CARD THAT I NEVER HAD.SOME ONE ELS OPEN A CREDIT CARD IN MY NAME.
Consumer complaint received 2018-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

File Number : XXXX I have sent in a ID THEFT Report and they placed a fraud alert on my report, but, their are inquiries on my report that I did NOT authorize. These inquires need to be deleted from my credit reports as soon as possible. 

XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX   XXXX  XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX These inquires need to be deleted from my credit reports as soon as possible BECAUSE I DID NOT authorize them
Consumer complaint received 2018-07-17
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: CITIBANK, N.A. (CA)

Citi Diamond Preferred has refused to notify XXXX my Citi Bank ending in XXXX is a closed account. Have disputed at lease 4 times and XXXX  will no longer take the dispute. Nor will they show this as a closed account on my report.
Consumer complaint received 2018-07-17
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (AL)

Please refer to previous complaint ID XXXX. 
XXXX XXXX re-opened an investigation after my first complaint. 
They send a Account Originating document that did not have a signature.

The second " investigation '' concluded with the exact same explanation of : " Account opened greater than one year with verifiable payment history ''.

Synchrony did not send and other documents, or give any other explanation.

My explanation to them was that a " known '' person hid this account from me, and did make payments out of their " private '' account.

I discovered the Credit account in XX/XX/2018. The " known '' person continued to make payments until XX/XX/2018, and has now stopped. So, I am stuck with an account that Synchrony hasn't provided a signature of who opened it.

For the first time today, I registered online to access the account and make a payment, to avoid a late fee. I pray this doesn't constitute my " authorization, or agreement '' as to this account, as I insist that I protest it's existence.

I am not able to have a legal battle with a company the size of Synchrony.

If anything, I want to let it be known how easy it is to open a credit account using the personal info from someone else.
Consumer complaint received 2019-05-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (AR)

AES ARE CHARGING ME FOR A LOAN THAT I NEVER RECEIVED, I DID NOT ATTEND COLLEGE OR GET A LOAN IN 2006. I APPLIED BUT NEVER ATTENDED. SOMEONE FORGED MY NAME EVIDENTLY. THEY TOLD ME NOT TO MAKE CONTACT WITH THE SCHOOL. WAS SUPPOSED TO SEND ME A PACKET BUT NEVER DID.I PAID MY 1 AND 2 LOAN OFF AND NOW I HAVE A 3 AND 4 LOAN THAT I NEVER APPLIED FOR.
Consumer complaint received 2019-04-20
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

On XX/XX/XXXX I returned a vehicle to Toyota XXXX XXXX dealership after 3 months of not being able to afford the monthly payment of $ XXXX. I was not provided any type of documentation when I returned the vehicle in XXXX. Two months after the incident, XX/XX/XXXX, the Toyota credit is claiming they sent a statement with some due fees I owed from the returned vehicle. Which, I never received a notice in the mail in XXXX. After I began investigating this matter, I found out about it when i was denied a mortgage application, i called Toyota and they provided me with a copy of that statement that was sent out in XX/XX/XXXX. My account was sent to collections in XX/XX/XXXX, but I was never provided with a statement explaining the charges and my rights to dispute this account. I have never heard of this account from Toyota since XXXX, they do have all my contact information since i currently own a vehicle from the same dealership. I contacted a legal adviser and they explained my rights and they suggested me to start a dispute with the Bureaus and also to dispute the account with Toyota itself due to fail to comply with the law, which states I should of been notified as a consumer when they notified all bureaus about a collection and damaged my credit.
Consumer complaint received 2018-07-17
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (FL)

Hello It's been more than seven times I had to call Wells Fargo about an overdraft fee " wrongly applied automatically '' when one of my accounts went below XXXX dollars. I have been through a financial crisis and this had happened occasionally. The current agreement with the bank is that if the user deposit the money back before XXXX XXXX ( or closing time ) of the same day they do not apply the overdraft fee ( When I opened the account the time period was 24h, they shortened on their parts without notice ). 
In my case I wake up with an alert that overnight my account went to negative numbers and when in the curse of the same morning I seat to transfer money they have already applied the fee.. Seven times I had to get trough customer representative that can not do anything, they supervisors that recognize the transaction occurred overnight and the alert was sent in the morning so logically I don't have time o do anything before being charged, they can not do anything either. So it goes to the next level, a customer care specialist that says is the system that do it automatically so is not their fault even after concede to the fact they're not honoring the agreement and that this is happening to a user that is logically having financial problems. When they wave the fee, they always call it a " courtesy '' and I always demand to call it properly because it may looks that the problem is in my part and is not. 

This time a transaction of USD {$9.00} at XXXX XXXX  left my account at - {$5.00} I received an alert at XXXX XXXX  and at XXXX I had an Overdraft fee applied to my account. They didn't waved the fee this time because is has been to many courtesies. 

There was a time when something similar happened but I was awake working in the middle of the night and transferred funds to that account but given the hours the bank didn't made the transfer until XXXX XXXX  so when the transfer occurred they had already applied the overdraft fee so the account went XXXX again so another overdraft fee was applied when I woke up I had {$85.00} negative on my account. They applied an overdraft fee on top on an overdraft fee. When I called and went through the process they waved it but they called it a courtesy again ... 

This is the bank that is saying everywhere they're refunded on XX/XX/2018. They're not honoring they words and agreements and when they call " a courtesy '' they don't recognize they have an issue whit their system and logically don't do anything to solved.
Consumer complaint received 2018-07-17
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: DCN Holdings Inc. (OH)

On a two phone line, receiving a daily morning call in from a Florida based company who is acting like a Collection Agency. 

Receiving Call from phone no. XXXX Company Name : XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX website : XXXX ) This company is acting as a Collection Agency,  but when checked with Florida Attorney General office and Florida Office of Financial Regulation, they do not hold valid license to act as an collection agency. 

( 1 ) We have already notified this company to stop calling but they are not stopping.

( 2 ) On XXXX XX/XX/2016, we have already notified this company by Fax ( XXXX ) and by Certified Mail Letter ( # XXXX XXXX XXXX XXXX XXXX ) to stop calling and provide supporting documents and evidence for any claim they have. 

But still this company is keep calling and also sending threatening collection emails.
Consumer complaint received 2024-10-09
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Unexpected or other fees — 
Company: BMO Bank, N.A. (AZ)

On XXXX I received a written check from my dentist for an overpayment for services, for {$22.00}. The check was issued from XXXX Bank. On XXXX I looked up XXXX 's schedule of fees, which stated there is a {$10.00} charge for checks over {$50.00} being cashed by a non-BMO customer. I proceeded to go to the BMO Harris Bank at XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX and was told there would be a {$10.00} fee to cash the check. The check was below {$50.00} as described in their publicly posted schedule of fees.
Consumer complaint received 2018-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: M&T BANK CORPORATION (WI)

While applying for new credit, I was informed that M and T bank had reported me 60 days late for the month of XX/XX/XXXX. When I reached out to the M and T, an associate informed me that they did not report my account late but when I checked my credit report, it was shown as late for XX/XX/XXXXwhich is inaccurate. The associates informed me to dispute with the bureaus at which point they will respond. Knowing this can take up to 30 days and most cases require supporting documents, I escalated and requested something in writing. 

I was informed I would received a letter within three business days and when I called I was informed I was be receiving it shortly. This was not the case.
Consumer complaint received 2024-10-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: JPMORGAN CHASE & CO. (CT)

Ive been reaching out to Chase to remove my PMI, last summer Chase said my note had to be under XXXX to remove the PMI for an assessment fee of XXXX XXXX I had a house fire XX/XX/year>. They mailed the letter XX/XX/year>. Ive reached out multiple times. Chase also has virtual walk thru photos and videos of the upgrades and property. Somehow they can not access them. 

Fast forward a year and now Chase is telling me it has to be under XXXX for a fee of XXXX XXXX They have all the video walk thru and photos. 

How can they tell me once it gets under XXXX it will be removed. Now its XXXX
Consumer complaint received 2024-10-09
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: WELLS FARGO & COMPANY (NC)

Pursuant to the Truth in lending act ; The Truth in Lending Act ( TILA ) of 1968 is a United States federal law designed to promote the informed use of consumer credit, by requiring disclosures about its terms and cost to standardize the manner in which costs associated with borrowing are calculated and disclosed. I was denied a extension of my own credit without proper disclosure. Pursuant to 15 U.S. Code 1602 - Definitions and rules of construction ( i ) The adjective consumer, used with reference to a credit transaction, characterizes the transaction as one in which the party to whom credit is offered or extended is a natural person, and the money, property, or services which are the subject of the transaction are primarily for personal, family, or household purposes. I have expressed this US Code with the agents of XXXX XXXX and they both still denied overturning the decision. I also explained that a XXXX SCORE has nothing to do with a Consumer credit transactions. As the Grantor/Beneficiary of The Estate " XXXX XXXX XXXX '' makes me the Alive Natural person whom is the original creditor that has the rights to extend his credit as a consumer credit transaction and should not be denied my equity. 15 U.S. Code 1602 ( e ) The term person means a NATURAL PERSON or an organization. Pursuant to Securities Act of 1933 there is only Security Notes in circulation which grants me the creditor of every Security Note endorsed by me the natural person. There is No Banks without my Equitable endorsement. My Equitable Rights should have NEVER be violated.
Consumer complaint received 2020-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: DISCOVER BANK (TX)

I have a membership with XXXX. XXXX recommends credit cards on my profile based on odds of approval. So I decided to try luck with Discovery Credit Card. They denied my applications but also did a hard inquiry which caused my credit to go down 10 points. I believe this practice is unfair and illegal, since XXXX is recommending for me to apply. Also, I believe Discovery should delete the hard inquiry on my Credit report and do a pre approval on customers so it does not affect them for a period of time. 

Thank you. 
XXXX XXXX XXXX