davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (DE)

I have had an injury problem since XXXX which has reduced my ability to work. 
Consequently I have had problems paying certain bills, my Capital One bill among them. 
After several late payments and collection calls where I explained my situation I asked them to change my payment due date. 
They said I had to make a {$10.00} payment ( which I made on XXXX/XXXX/XXXX ) and call them back. 
When I called them back onXX/XX/XXXXthey said I had to make a {$50.00} payment ( which I did on XXXX/XXXX/XXXX ) and call them back. 
I* called them back on XXXX/XXXX/XXXX and asked, AGAIN, to have my due date moved to the XXXX of the month and they told me it 'd take XXXX MONTHS for it to be effective!!! 
Meanwhile my payments will continue to be late and they will continue to charge me {$35.00} each. 
Thus far they have charged me a {$35.00} late fee on XXXX, XXXX, and {$25.00} on XXXX, Never once when I was getting collection calls was I told by the bank that I could change my due date. That was wholly my OWN idea.
Consumer complaint received 2019-11-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY (NY)

I called TDBank credit card services on XX/XX/18 around XXXX to inquire about lowering my interest rate on my card Ive had for XXXX XXXX years. The first representative that answered my call stated that currently TDBANK does not offer any reduction in interest rates. After I explained Ive been a customer for 6 1/2 years and Ive made consistent payments the representative went on to say that TDBANK only lowers the interest after looking into the account and history and credit score. I explained that Ive never received an offer of any kind or message that they have looked into my account. She went on to say that they would offer me a lower credit if I had an increase in my credit score which I went on to tell her that I actually had a recent increase of 14pts and definitely have had an increase over the past 6 years. After going back and forth, I asked to speak to a supervisor. The supervisor came on and stated that TDBANK is currently offering no decreases any customers interest rates. I asked why then did the previous representative tell me that they look into the accounts and that i would get one if my credit score increased? She said that that was untrue and that the person must have been new. Its hard to tell whats true and whats not with all the misinformation. TDBank Was not only uneilking to work with me as a customer but worse was unable to give me accurate information regarding their policies around lowering interest rates. Ive called in the past as well and they told me to look out for promotions in the mail regarding lowering my interest. I have yet to receive anything in the mail for 6 years.
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

REGARDING ACCOUNT LISTED BELOW THAT DOES NOT BELONG TO ME ON MY REPORT. 
I am requesting you to validate the debt on this account. Please send me my original signature of account and anything that identifies that I applied for this account and all payments made and how they were made if it was online and or a check and copies of checks within 30 days. Or delete this account I have the right to validate this by FCRA law. 
XXXX XXXX XXXX PH # XXXX XXXX XXXX ACCT # ORIGIAL CREDITOR XXXX XXXX XXXX XXXX DATE OPENED XX/XX/2023. 
CHARGE OFF COLLECTION {$3400.00} BEST REGARDS, XXXX XXXX XXXX XX/XX/2023
Consumer complaint received 2023-10-20
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (WV)

I called Synchrony Bank today to try to resolve this issue. I asked to speak with a XXXX XXXXXXXX. I am being required to make a much larger minimum payment than usual because of the transaction dates of when my payments were processed. 

I purchased a XXXX XXXX bed and accessories on XX/XX/XXXX. The bed was not in stock and delivered until XX/XX/XXXX. My first payment was due on XX/XX/XXXX. A payment was made on XX/XX/XXXX. Since then I have consistently made monthly payments and on several months I have made multiple payments in a month. Some in upwards of {$1000.00}. I was told by the sales associate that as long as I made at least the minimum per month I would not be charged any fees. That has not been the case. I have read through the fine print on my statement and I do see that a minimum payment must be made by the due date but I have not been able to find where a payment must be made after a certain date to count for the next month. I find it shameful that because my XXXX payment that was made during a particular month was processed on the XXXX instead of the XXXX that it would not count as a payment for the next month. I precisely made an additional payment after receiving a paycheck so I could remain ahead so I would not incur any late fees. Payment dates include XX/XX/XXXX for a XXXX payment and then a payment on XX/XX/XXXX for XXXX. Instead I was charged {$41.00} for essentially being XXXX day early. The XXXX payment was due on XX/XX/XXXX. I made a payment for XXXX on XX/XX/XXXX. Simply because I was XXXX  day early XXXX month I was considered late every month thereafter. It is extremely challenging to make sure that the mail is delivered and that they process payments specifically on the correct day. It shouldnt be so difficult for consumers to understand these billing practices. Billion dollar companies like Synchrony shouldnt be allowed to use such deceptive practices. If I would have only made the average minimum payment of {$180.00} per month that amount equals to {$2100.00} in 12 months. I have made over {$4000.00} in payments in the last XXXX  months with no further purchases. It is unreal to me why companies like Synchrony choose to treat consumers this way. Truly confusing and unfair to the average consumer!!
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

N accordance with the fair credit reporting act XXXX account # XXXX has violated my rights 15 U.S.C. 1681 section 602 A. States I have the right to privacy 15 U.S.C. 1681 section 604 Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-10-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY (SC)

In XXXX I started an XXXX and opened a business checking account with TD Bank putting {$500.00} of my own money in the account. I never did anything with the business or the account as the business never got going. 

Recently, I have been contacted by a debt collection agency saying that not only is the {$500.00} that I used to open the account with gone, but I apparently I OWE another over {$500.00} and change to TD Bank? I never received any notification by mail, email, or ANYTHING saying they closed my account, I owed them anything, OR that it was placed in collections. Since I never did anything with the business or the account I can only assume that the reason why TD Bank says I have a balance is due to numerous bank fees getting charged over and over again until the account was negative over {$500.00}. This is scam worthy behavior! 

I XXXX XXXX XXXX XXXX  and had some XXXX XXXX XXXX My welcome home gift from TD Bank was/is unauthorized and stressful collection calls and texts for an account that I never did anything with. It is horrible that a business can charge tons of secret fees, and unknowingly place you in collections! This is completely taking advantage of people and should be illegal!
Consumer complaint received 2023-10-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc. (NC)

On or around XXXX XXXX, Saturday, XX/XX/2023 I purchased service with a streaming service. After not receiving access to the streaming service I contacted the seller on their website concerning the issue of not receiving the service. They acted like they could not find where I submitted the payment seller is not returning my emails, so I disputed the transaction with Cash App. Cash App informed me the dispute would take up to 10 days as it was stated when I signed up for their service. All of the sudden today, Saturday, XX/XX/2023, the representative tells me it is going to take 45 day, therefore, I closed my Cash App account and ceased business with them. On or about XXXX XXXX, XXXX  the XXXX XXXX XXXX XXXX submitted a statement to CFPB indicating they would return my funds. On Friday, XX/XX/2023, around or about XXXX XXXX I contacted Cash App to obtain my funds and they indicated they could not get into the previous account to return my funds. On Friday, XX/XX/2023, around or about XXXX XXXX  I contacted Cash App to obtain my funds and they indicated they could not get into the previous account to return my funds and refused to credit the funds back to my account. Cash App 's business practices meet the criteria for XXXX XXXX  General Statue 75-1.1 : Unfair & deceptive trade practices. I contend that Cash App violated the aforementioned North Carolina statue by refusing to return my money.
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Dave Operating, LLC (FL)

I have already paid off my debt to Dave, so I no longer owe him any money. Although I called Dave and requested an update on my credit, they advised me to wait for about two weeks for the credit inquiry to be removed. I have diligently made all the necessary payments to Daves bank, even though I was only late for one payment. However, despite my timely payments, my XXXX and XXXX report still shows that I owe a debt, which should have been closed weeks ago according to Dave. Additionally, every time I contact Dave, they ask me to wait and now they are blaming XXXX for this issue. Unfortunately, this situation has negatively impacted my credit score, so I have decided not to borrow from Dave anymore if this continues to be the case
Consumer complaint received 2023-10-20
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings (CA)

XXXX XXXX gave TWO companies, IQ Data and XXXX my debt. There is record of both companies with the original creditor ( XXXX XXXX ) on my credit files. XXXX removed their files when they found out that XXXX XXXX illegally gave my debt to, two different companies. IQ data is refusing to cooperate and delete the credit file from my XXXX report. It is not showing on my XXXX  but is still showing on my XXXX. I have disputed it multiple times but XXXX XXXX seems to have them believing that they are correct but when XXXX reached out to XXXX XXXX inquiring about IQ data, XXXX XXXX never responded in which they had to remove their credit files. This has falsely impacted my credit in a tremendous way, I have spent years and months trying to get this removed with the little knowledge that I had but I know more now and IQ data, XXXX and XXXX XXXX have done me wrong the past 5 years and I am going to be seeking compensation because theres more to this story than people know which involves the property manager at XXXX XXXX.
Consumer complaint received 2021-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

On XX/XX/XXXX After receiving two postcard notifications from Transunion station my proof of address was unacceptable and not being able to obtain a free copy of my credit report online I called Transunion. After verifying my identity I was informed that I would not be allowed to view my account until after XX/XX/XXXX. The explanation was that i would not be allowed to view my report until after my dispute was settled on that date. I asked did I need to send in documents requested via the postcards to verify my address or identity and she said " no. '' My issue is this : I filed several disputes via certified mail and was not allowed to check my credit report to see if Transunion was reporting my disputes on my credit report. To date I have not received any feedback on the status of any of my disputes. Upon receiving my credit report today, they have not settled my dispute to update any of my personal information requested on XX/XX/XXXX received by Transunion on XX/XX/XXXX. Their delay in allowing me access to my credit report violated my rights as a consumer and there was no resolving this with Transunion. They said what they said and did not allow me access until they were ready.
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: OneMain Finance Corporation (IN)

I had three accounts put onto consolidation, and I have paid off two accounts and my credit score has not increased at all. 
I contacted XXXX and XXXX and they told me they can take off that red macs on my credit report, but If I already paid off those credit why is my credit report still the same. 
I really feel like a declare on bankruptcy but I didn't and my credit report is going to be affected for years when I did paid off my accounts.
Consumer complaint received 2023-10-20
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. (IL)

I am writing this request that I have been a victim of identity theft and I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The inaccurate information continues to do harm to my credit. Please provide me with verifiable proof these accounts belong to me. 

Kindly update the accompanying records as they are false and were opened without my assent or information.
Consumer complaint received 2023-10-20
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (WV)

CCS Collection agency is fraudulently reporting on a debt that is being reported on my credit report. 
The original creditor is an insurance company, XXXX. The initial bill was for services not rendered. 
My rights under the Fair Debt Reporting Act are being violated in more than one way with this company, in addition to reporting on a debt not even legally owed.

They are reporting an open balance, which is illegal, a violation on how collections can be reported ; as they can not be reported as past due, late, or open.

They are also misreporting the dates on this account.

In the past, they totally disregarded my requests for the information on how they obtained this supposed debt, a copy of any contract between the original company or myself with them, and how they validated this account. They only responded with their generic verification process ; nothing was ever validated.
Consumer complaint received 2023-10-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (NC)

I walked in to a branch on a friday afternoon to request cashout of the balance in my account and closure of my checking account. 
They cashed me out with a cashier 's check and said they would take care of the closure and I neednt stay for that. They didnt provide me with any reference for the closure request- they just said it would be closed in XXXX business days One week later, my account is still showing as active. I call their customer service, they say they will put in the request through backend and the it will be closed in XXXX business days. WHen I ask for a ticket number or a confirmation request to be sent to my email, they claim they do not have such facility available I even tried speaking to a supervisor to get some resolution but to no avail
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

XX/XX/XXXX - Received notification from XXXX XXXX that a hard inquiry had been placed on my credit report. Company name : XXXX ( XXXX XXXX ). 
XX/XX/XXXX - Attempted to contact XXXX. Was told by XXXX that dept had left for day. 
XX/XX/XXXX - Spoke with XXXX and she informed me to contact police to file a report and she would send a fraud letter to have completed. 
XX/XX/XXXX XXXX XXXXXXXX - police report finally given with case number : XXXX with XXXX XXXX XXXX XXXX Police Department ) XX/XX/XXXX - Attempted to obtain police report, but was told report was incomplete; had to go to police department to find out reasoning for incomplete report. 
XX/XX/XXXX - Received voicemail from XXXX XXXX that incident report was now complete. 
XX/XX/XXXX - Received incident report for identity theft incident. 
XX/XX/XXXX - Mailed certified letter to XXXX ( XXXX XXXX ) containing photocopy of my drivers license, incident report, and completed fraud letter company had provided. 
XX/XX/XXXX - Tracking number : XXXX shows delivered to XXXX XXXX XXXX 
Below are two of the suspects from my daughter 's stolen vehicle ( occurred same night ; however I did not realize my passport wallet containing my Social Security card, passport, and passport card had been stolen until XXXX XXXX alert ) : XXXX XXXX ( XXXX : XX/XX/XXXX ) - XXXX XXXX XXXX, XXXX, TN XXXX and XXXX XXXX XXXX ( XXXX : XX/XX/XXXX ) - XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, TN XXXX
Consumer complaint received 2019-11-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: IQOR US INC (MS)

I received a letter from the XXXX XXXX XXXX XXXX XXXX, that was dated XX/XX/XXXX. The letter was an attempt to collect an alleged debt in the amount of {$2300.00}. I had previously disputed this debt with two other entities in XXXX and XXXX and never received validation from either company pursuant to the FDCPA. This company is attempting to collect on an unverified and unvalidated debt in violation of the FDCPA.
Consumer complaint received 2019-11-13
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Resurgent Capital Services L.P. (MS)

On XX/XX/2018, I received a copy of a letter sent to my attorney who was representing me in a family law matter. Prior to this, the alleged debt was disputed pursuant to the Fair Debt Collection Practices Act and no validation was given to me. The company, Resurgent Capital Services, was not notified that Mr. XXXX was representing me and did not have my express permission to contact him.
Consumer complaint received 2023-10-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (TX)

I opened a dispute on XX/XX/XXXX for {$16.00} about the XXXX XXXX XXXX XXXX plant that I purchased XX/XX/XXXX that I received that is not as described. I uploaded a document explaining in words of why I was disputing this transaction and pictures to online discover disputes. I did not opened a case immediately because seller promised me that this was the item i purchased and one sign of that is to wait for plants leaf to change color in XXXX which never did and passed the XXXX buyer protection of 60 days or so. It was XXXX and the plant was clearly not what i purchased and did not change to a XXXX color as promised by the seller and thevleaves did not look like puctures and many garden experts said that this was not the XXXX XXXX. I contacted the seller but no response. I have more info and specifics of that in the case i opened with discover online. I was told by XXXX that they can no longer help and to go to my financial institution or Discover credit card company. I opened a dispute to them only to get denied a refund because discover customer service told me that XXXX refuted the dispute and that in order to get a credit from discover is to contact XXXX and work something out and agree for discover to give me a credit itself. I contacted XXXX and told me that they don't have the ability to deny a refund and told me there's nothing XXXX can do to help me since I filed a chargeback with discover and that discover should be helping me on this case. So I contacted discover again and they told me that there is nothing they can do. Discover customer support is requesting me to do something that is unrealistic to contact my merchant for proof that they will refund me to give to discover for them to give me a credit when the merchant is not willing to work with me. Discover should step in and help me when the merchant is not willing to work but discover customer service doesn't want to step in.
Consumer complaint received 2023-10-20
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. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

i requested a validation of debt and has not honored it but they are still reporting late payments and i received a 1099c copy b and they have not updated my account but still reporting late payments. they have my account closed and and still sending reports and the agencies are still updating the account as negative. Again, this is a consumer transaction that should not be reported without my consent.and they are reporting that it has been verified without sending me the report that they used to " verify ''