davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-10
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: SYNCHRONY FINANCIAL (NJ)

The MasterCard bank sent me a letter XX/XX/XXXX saying they are reducing my credit limit to {$870.00}. They cited such things as " variance in monthly payments on the account last quarter '' and that XXXX provided some of the information for the decision to reduce my limit. I called the bank several times and they could not tell me how they made the decision in light of a perfect on-time payment in full history since I opened the account in XXXX. The limit reduction to {$870.00} from {$10000.00} made the card practically useless. The bank said they would consider my complaint and let me know in 30 days. Meanwhile I got credit reports from all XXXX  agencies -- all showed a history of paying balances on time in full for all my credit cards -- a history going back decades! My credit score has been XXXX for many years. When I told the bank these facts, they still refused to restore my limit. I did have an unusual balance last quarter because I paid for XXXXXXXX XXXX XXXX with the card. Even though XXXX month was {$8600.00} it was paid in full on time. Subsequently I asked the bank what my former credit limit of {$10000.00} was good for. Is it the bank 's policy to enforce a lower limit than the stated limit? The XXXX rep told me there were no adverse data on my credit report and he said that XXXX did not recommend anything to the bank. The bank made the decision. It is a terrible way to treat a stellar customer. I still would like to know when they will restore my limit.
Consumer complaint received 2024-10-08
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: WELLS FARGO & COMPANY (PA)

I previously did a complaint on XXXX for not removing WELLS FARGO HOME MORTGAGE from my consumer report, which was included in bankruptcy XXXX XXXX  and discharged under title 11 U.S.C. 727. Wells Fargo Home Mortgage responded by mail to inform me due to the chapter XXXX bankruptcy discharge they are not collecting any debt, nor is this a bill. The issue is a debt collector XXXX XXXX XXXX XXXX hired by Wells Fargo Home Mortgage has a sheriff auction sale scheduled for XX/XX/year> for {$250000.00} on a site called XXXX.
Consumer complaint received 2024-10-03
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: FIRST CITIZENS BANCSHARES, INC. (FL)

On XX/XX/year> I kept receiving messages that my user Id and password has been changed. I was assuming it was a scam till I tried to sign in and couldnt. I tried looking up a number to call for help, of course the phone number listed on XXXX was the number for a scammers, They started telling me what I needed to do and to click on a link so they can see who the scammers were and to stop them, I was told that they had all my information, including my XXXX account.They were trying to get me to approve transactions to make sure that they are not going through my bank and credit cards. So they of course used XXXX and XXXX XXXX and other credit cards to purchase gift cards from XXXX XXXX XXXX, XXXX XXXX and XXXX. I realized what they were doing and hung up right away and notified the bank and the credit cards companies. I immediately changed my passwords, notified the the credit bureau to put an alert on. The bank is refusing to give me back my money, Im XXXX XXXX XXXX and cant afford this loss, bad enough that they froze my account and had no money to buy food or pay my bills. I didnt authorize the scammers to do any transactions. They were telling me that these transaction will. It go through and they kept yelling and talking fast and I was so confused and worried and scared. These scammers were pretending that they are customer service helping me get my account back and trying to stop the scammers. 
I reported the case to the police, I submitted all the phone numbers, the names of the hackers to the bank as well as to the police. The bank still insist that I authorized these transaction and will not give me back my money. I lost so far XXXX and Im still waiting on XXXX XXXX and XXXX XXXX to make their decisions. I did have my data breach from few places prior to this incident, last one was XXXX XXXX. 
Thank you in advance for your help.
Consumer complaint received 2024-10-02
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: GOLDMAN SACHS BANK USA (CA)

I am writing to file a complaint regarding an interest charge applied to my Apple Card, issued by Goldman Sachs. In XXXX, my payment was returned, which resulted in an interest charge on XX/XX/XXXX. I am uncertain when or why my auto-payment settings were changed, but the current setupwhere the payment due date is set for the last day of the monthseems to unfairly penalize cardholders. If a payment fails for any reason, interest is immediately applied. This feels like predatory behavior, and I believe I was unfairly charged. 

I am requesting reimbursement for the interest charged for the month of XXXX.
Consumer complaint received 2024-10-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: REGIONS FINANCIAL CORPORATION (FL)

On XX/XX/year> I made a cash deposit at a Regions Branch ATM at XXXX Eastern XXXX XXXX However, due to Regions unscrupulous banking practices they returned my car payment in the amount of {$750.00}. Regions policy states that an account holder has until XXXX Centeral Time to make a deposit in order for it to be credited that same day/night. Being that I made a cash deposit at XXXX Eastern XXXX XXXX and per their checking account policy, that was sufficient time to cover any pending payments. Why would they return my car payment being that I had already made a cash deposit before their stated cut-off time? These financial institutions are OUT OF CONTROL with their deceptive banking practices and their erroneous fees that they charge their account holders. The CFPB needs to do a better job regulating these financial institutions, and their dubious banking practices that they impose on their account holders. Now, I'm going to be charged a " late fee '' from the finance company for my car payment being returned AND a returned check fee. THERE ARE 69 PAGES OF CONSUMER COMPLAINTS THAT HAVE BEEN FILED WITH THE BBB FROM REGIONS BANK ACCOUNT HOLDERS.JUST ON THE BBB WEBSITE ALONE!!! THESE CROOKS MUST BE STOPPED!!! 
https : XXXX
Consumer complaint received 2024-10-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HEARTLAND FINANCIAL USA, INC. (TX)

I maintain a lockbox account with Illinois Bank and trust. There were unauthorized withdrawals from my account totaling {$100000.00} in the month of XXXX. I contacted the bank and filed a formal complaint with them regarding this. They have delayed any type of response for these unauthorized charges. Ive reached out several times asking for resolution and answers, and Ive been told that they need additional time. After several months, I deserve a response. I miss small business owner and physician who has been taken advantage of and unfortunately will likely have to be terminating employees due to cash flow issues secondary to these unauthorized withdrawals.
Consumer complaint received 2024-09-13
Product: Debt collection — Rental debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: National Credit Systems,Inc. (NC)

As per the landlord she went and filed the amount of XXXX, stating that she did it cause she thought I wasn't going to move out and did it so I could pay extra. I had moved out at the date I told her I would move out and she then went a couple months after I moved and told them differently so that she can collect this amount. I had already reach out multiple times to have this removed but she refuse due to her ignorance. 

Every time I dispute the amount the keep refreshing the date on the collection to make it look like its new and its from XX/XX/year>. I had moved out at XX/XX/year> and was in my new place when she filed this.
Consumer complaint received 2024-08-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

I have assumed this mortgage that my grandparents originally opened back in XXXX I believe and here we are in XXXX with the same mortgage the keep adding fees to make my payments higher saying they paid this and that but I have the receipt they didn't pay or taking out of my escrow monthly for hazard insurance plus they get it with my monthly payments so I called them and told them my concerns and told them I would be reaching out to a attorney and of course they changed their attitude and said oh I caj lower your payments your escrow shortage has been paid down a lot mean while i haven't been able to make a payment because they went up from XXXX to XXXX now they said they are able to lower it to XXXX I also looked over my grandparents statements their principal balance stated it was the same amount for 5 years if someone could please point me in the right direction I would greatly appreciate it
Consumer complaint received 2024-10-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (MI)

I reported an unauthorized transaction to chase immediately after it was made and closed my card. I asked chase to deny the purchase because I did not make it, I don't own an XXXX and was at work, not online ordering video games. Chase gave me a refund and closed my checking account at a XXXX balance on XX/XX/year>. XX/XX/XXXX I received a letter they canceled the refund and I need to pay the money back on a closed account or ot will be charged off affecting my credit. Chase said they spoke with the merchant but provided me no proof and that they didn't have to. The merchant, ganestop didn't have record of the transaction and after they researched this, recommend me disputing the transaction.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LEXISNEXIS (KS)

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX filed a fraudulent claim with LexisNexis that associates me with an XXXX XXXX  that I was not involved with. 
I have disputed this claim with LexisNexis 6 times since I learned about this fraudulent claim. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/year> I have talked to the XXXX XXXX who confirmed that I was not involved with this accident however he did not know how to get it removed from my report. I have sent 3 email requests to the XXXX dispute department XXXX, but nothing has been done to correct this error. 
The fraudulent claim has a negative impact on my report.
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

Dear XXXX I pulled a copy of my credit report and noticed some inquiries that are fraudulent I have attached a copy of my FTC report and my Drivers license and social security card. Please remove the following inquiries : XXXX XXXX XXXX XXXX Cap One XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-01
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SinglePoint GI (NJ)

I took some college classes and was unaware of an outstanding balance I had with the school. The account was placed into collections before I became aware of it. Once I was aware of this collection account, I inquired directly with the college and they explained I still had an outstanding balance. I paid this amount in full directly to the college. I noticed that the collection account is still on my credit report and called the debt collector General Revenue Corp to have them remove it since it has now been paid in full. I spoke with a representative and their supervisor and they both explained that they did not consider the debt to be paid in full until I paid them various junk fees they applied on top of the debt. I believe it is illegal for them to charge these junk fees and keep this account open despite the debt being paid in full.
Consumer complaint received 2023-02-18
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc. (TX)

I tried to reach out to this company about 12 months ago about the debt being incorrect after repeatedly being sent letters from them stating I owed them a higher amount of money than I actually did. I even submitted documentation showing otherwise but they did not fix it. 

I then tried reaching out to them today on XX/XX/2023 to try to get the amount decreased again but was told through email response to a man by the name of XXXX XXXX, that the amount would stay the same. I tried to call to make good on some of the debt and they informed me that they did not take partial payments over the phone, and that XXXX was the only one who could access my account and that I could only speak to him about the issue and that I needed to continue to try to reach him in regards to the issue and that no one else could help me.
Consumer complaint received 2024-10-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/2024 I attempted to send {$75.00} through XXXX for the purchase of goods. I got an error message saying the transaction was declined. The next day I attempted to pay my rent through XXXX, but received an error message that there was " unusual activity on my account '' and I couldn't send money right now. I called my bank Capital One since that was the common denominator, but they had no explanation for the issue. They said if I contacted XXXX then I would just be told to contact my bank, which is a useless loop since my bank can't help me. I asked if there was a way to verify my identity or that the transaction attempts were me, and they only advice they could provide was just to wait. Because I still needed to pay my rent, I tried to link my bank account to my XXXX account, which also didn't work. 

Capital One is preventing me from making ANY electronic money transfers right now which is severely impacting paying for my basic needs ( shelter ). They are unable to give me any sort of timeline for when this will be resolved and have made no efforts to remove the security block, chalking it up to an algorithm that seemingly no real person has control over. I need this issue to be resolved ASAP.
Consumer complaint received 2024-10-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BETHPAGE FEDERAL CREDIT UNION (NY)

When I withdraw cash ( {$5000.00} or less ) from my money market account the tellers ask what I am am doing with the money. I find this is a violation of my privacy and I have filed a complaint with the Credit Union. They have not given a valid reason for asking other then to say its preventing " money laundering '' and several other invalid excuses. One excuse was for " my protection ''. They have since stopped asking but never acknowledged the privacy violation. I find this practice extremely disturbing and makes me wonder how else are they violating my privacy in ways I don't yet know about?
Consumer complaint received 2024-10-08
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY (NJ)

My XXXX XXXX changed from XXXX to XXXX and they didnt ask me. This change made my credit report drop XXXX points! I also did not get correct rewards, I spent over {$3000.00} on last statement and only have @ {$11.00} in rewards whereas it should be over {$30.00}.
Consumer complaint received 2024-10-11
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (AL)

New Citi card issued. Activated online. Tried to add to XXXX XXXX. Immediate fraud alert. Called in. Citi cant send a sms verification to 2 phones despite their website can. They locked the entire card and now I have to wait 7-10 days for a code in the mail. Is this a joke?
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc. (MD)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my XXXX XXXX. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-07
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (IL)

My loan is in the process of being transferred to another lender and Navient reported my credit 90 days late and its effecting my credit with other creditors for example XXXX. I have paid them and they are showing me in forbearance and the account is going to be transferred to another lender. XXXX requesting the lates be removed. They forced me into this payment option as they started reporting me late. They wanted over {$2400.00} a month which I could not afford with rent and other expenses. The XX/XX/year> day delinquency and their unwillingness to provide an affordable repayment has caused me harm.
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

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

Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account number : XXXX 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 an 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, 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 may not furnish any information relating to a consumer to any consumer reporting agency if the person knows or have reasonable cause to believe the information is inaccurate.
Consumer complaint received 2024-10-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (OK)

I've been XXXX for well over a decade. Student loans are supposed to be automatically XXXX when on SSA. I have met all requirements for years. I've submitted paperwork repeatedly, but received no response. Several times this year I've submitted the required documents. I finally submitted again via email so I had firm date stamped proof ( getting tired of sending in physical mail and getting no response ). After multiple emails inquiring about my submission with the attached proof, I finally received a letter saying they would finalize a decision in less than 30 days. If they needed additional information, they'd notify me within the 30 days. More than 30 days has gone by and nothing. I reached back to them and customer service said they've never seen XXXX finalized within 30 days. LOOK : This is my life here. I need accurate realistic information. Not made up lies. This affects my day to day living. I have it in writing that a decision would be made within 30 days. I did my part repeatedly. SSA failed submit the quarterly tpd discharge report I'm told for a decade!?! My paperwork was lost or whatever repeatedly by whoever at XXXX discharge. XXXX. Now that we know they've had my paperwork and I received a letter saying it would be done within 30 days... It still wasn't. I've jumped through hoops here and there's been nothing but failures through no fault of my own. 

**Note : If you never complete the process in 30 days, DON'T put it in the paperwork! These are real people 's lives being messed with on a daily basis. 

Why is it so difficult to just be truthful and upfront about expectations when finances are concerned - especially considering this is regarding the inability to pay because of total and permanent XXXX. My finances are crucial and flat out lying about 30 days can destroy someone financially that thinks the government might tell you the truth.