davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-12
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 (CO)

Without any prior notice, Capital One closed my credit card account due to inactivity. While it is true I have not used the card in some time, I would have never allowed the card to be closed because it is my longest standing credit card at 14 years. My account with Capital One has always been in good standing and never delinquent. When I contacted the company on XX/XX/2019 they said there was nothing they could do to reopen the account and now my Average Date of Credit for credit score reporting purposes will decrease.
Consumer complaint received 2019-07-12
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: Experian Information Solutions Inc. (PA)

Dear EXPERIAN : According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 


Account : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Consumer complaint received 2024-09-18
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: Kikoff Inc. (OH)

Dear XXXX XXXX XXXX XXXX XXXX, Your recent response in regards to Account Number : XXXX, including the payment history and verification, fails to address the core issue of inaccurate credit reporting and provides no sufficient proof to support the negative marks on my credit report. Despite your attempts to justify this, it is clear that your reporting of late payments for the months of XXXX, XXXX, and XX/XX/year> is inaccurate, misleading, and violates FCRA XXXX ( b ). 

XXXX XXXX with Your Documentation : The payment history you provided shows that payments were not made on time due to your failure to act within the XXXX grace period, and the fact that these payments were " made by XXXX with account closure '' only proves your negligence in handling the account. This is a misrepresentation of the facts that has directly impacted my credit standing. 
Your statement regarding payment reminders being sent to my email does not constitute verifiable proof of delinquency. Simply sending reminders does not meet the legal requirements for accurate credit reporting under FCRA XXXX ( b ), which mandates the highest level of accuracy. 
Reporting late payments when you closed the account and made payments on my behalf is not only misleading but also potentially fraudulent and a clear violation of federal law. 
Demands : Given your continued failure to address this issue with valid proof or a legitimate explanation, I demand the following actions be taken immediately : Immediate Removal : You must immediately remove all negative and inaccurate information regarding my XXXX XXXX XXXX XXXX from all credit reporting agencies ( XXXX, XXXX, etc. ). Your documentation does not support the claim of delinquency, and continued reporting is in violation of the Fair Credit Reporting Act. 

Cease Reporting : Until this matter is fully resolved, you are required to cease all reporting of this account to the credit bureaus. Failure to do so will be considered willful noncompliance and further damage my credit profile unlawfully. 

Legal Consequences : Your failure to act within XXXX  Days of receiving this email will result in immediate escalation. I am prepared to take the following steps : Initiate legal action for damages caused by this inaccurate reporting, seeking remedies under FCRA XXXX and XXXX, including statutory damages, punitive damages, attorney 's fees, and other associated costs. 

Conclusion : This is your final notice before I escalate this matter through legal channels. Your documentation is inadequate, and your reporting is in violation of federal law. I expect a full written confirmation of the removal of this inaccurate information from all credit bureaus within XXXX days, or I will proceed with legal action without further communication.
Consumer complaint received 2024-09-16
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (TX)

I obtained a private student loan from Navient in XX/XX/XXXX for {$1400.00} to attend the XXXX XXXX XXXX at XXXX. I have been paying on this loan since XXXX and then attended school and restarted paying again in XXXX. Navient has been raising the interest rate on this loan every few months, making it hard to get the student loan paid out. I am currently at a 16.250 % interest rate. I believe Navient is providing unfair business practices. Here we are in XXXX, and I owe {$3000.00} on my XXXX Signature Student loan. It appears like I never paid on the student loan because they are constantly raising the interest rate. This is very unfair. Navient does not provide many repayment options for private student loans.
Consumer complaint received 2024-09-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NE)

I was contacted by Navient to complete a payment plan after I graduated from XXXX XXXX back in XXXX  I have all of the documents and payments that they said I will be paying. An entire payment plan was set up for me. I did feel stressed about being able to pay back my student loans hence why I signed up with Navient. Navient then, seemed to turn me over to XXXX XXXX which was another company to help with my student loan.
Consumer complaint received 2024-09-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION (OK)

Since XX/XX/XXXX, I have made my monthly payment on time and generally round up my payment ( sometimes by cents and sometimes by dollars ) for the extra to go towards my unpaid principal balance ( XXXX ). A few months ago ( mysteriously I can not find the message in their history ) I noticed that instead of applying extra towards XXXX, they were just holding it. So instead of reducing my XXXX and the amount I have to pay in interest over the life of the loan, they just hold my money. This is abusive. I sent a message asking to have that extra money applied to XXXX and explained that is why I send extra. Toyota then applied it, but they didn't backdate it. 

Fast forward to XX/XX/XXXX and I noticed they were holding my money again. I sent a message requesting the exact same thing as before, letting them know I've never seen a company not let someone pay extra to XXXX *with* the payment. To pay extra XXXX, I would have to go to a different screen and the minimum is {$5.00}. Nowhere in my contract does it say I can not make less than a {$5.00} XXXX payment that I could find. 

Today I logged in and someone reversed my ENTIRE payment and put it to XXXX, when I only asked to have the additional funds put towards my balance. Who thinks I would want an entire payment reversed, causing me to be past due? So to my surprise today, XX/XX/XXXX, I am suddenly due for 2 payments and considered past due. Now this could potentially affect my credit, and again my money is not being applied correctly. So I am being forced to pay additional interest in the long run, and they won't let me round up my payment. This is completely unfair and lets Toyota take more of my money in the long run.
Consumer complaint received 2024-09-13
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC (OH)

I opened a Milestone credit card with Concordia Bank in XXXX. 

Two or three times they reversed payments I made from my checking account. My banking information was correct, and I had sufficient funds for the payments. I don't understand why they were reversed. 

They've since charged me almost {$200.00} in late fees and overlimit fees, in addition to a {$170.00} annual fee. I believe these violate the CFPB 's ban on excessive credit card fees. 

In addition, they are charging me monthly for a credit protection fee I didn't authorize.
Consumer complaint received 2024-09-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (CA)

XX/XX/XXXX - I called Jefferson Capital and requested what the debt was for and how much I owed, I was told they had no information that I had to call XXXX XXXX. 

XX/XX/XXXX - I called XXXX XXXX and was told they werent in charge as well and that its currently on a placement hold for another XXXX business days. They had no information on file, just saw my name on there account list. 

XX/XX/XXXX - I called Jefferson Capital again and was told for me to stop calling them that XXXX XXXX has all my information. 

XX/XX/XXXX - I called XXXX XXXX again to request a letter stating what I owed or any information about this account. I was told they had no information and that I have to wait XXXX business days to get any information. I requested authorization for the credit bureaus to speak with them and they said no. They clearly had no answer for me and had no information for me to discuss.
Consumer complaint received 2024-07-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CITIBANK, N.A. (PA)

I noticed an account on my credit report reflecting a negative impact due to unpaid balance. This was for a Bloomingdales account that I never opened. I began disputing the charges but nothing ever happened. I then began contacting Bloomingdales directly and filed to have an investigation opened. The outcome of the investigation showed that there was no fraud found and that I would be liable for the charges. I then had the investigation reopened and filed a police report as well. I have to wait weeks until a copy of the report will be sent to me so that then I can submit it to Bloomingdales fraud department.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TrueAccord Corp. (MS)

I was a XXXX XXXX and came back home to my identity being stolen. I checked my credit report and a car was purchased and a total of XXXX XXXX  accounts were reporting on my credit report. I have never had XXXX  before. I have never applied for XXXX. I have been trying to dispute with the credit bureaus however XXXX is the only account thats keeps coming back verified. I am trying to see how are they verifiying these accounts and they are not mines. I emailed XXXX  through their website requesting this information and received a response that I had to call. I contacted them and after being on the phone with a rep for over XXXX minutes she finally was able to find a account with my name and ssn attached too it XXXX, she was not a able to speak to be about this account because she stated that none of the info verify to me ( address, email, phone phone number ) only my name, dob XXXX and ssn. She then provided me with a collections number ( True Accord ) and I contacted them but they was able to assist due to the info not matching!! And he informed me to dispute through the credit bureaus and I infomed him that I have. He said that there is nothing he can do. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and email XXXX, Ive had this same info for over 10 years. 
Pursuant to 15 US section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please provide me with the description of the procedure used to determine the accuracy and completeness of the information, to be provided within 15 days of the completion of your investigation.

I appreciate your prompt attention to this matter as these may seem like small reporting errors to you but they are serious offenses on my report when it is time to purchase a home for my family, a vehicle, look for a business loan or even to obtain employment. Please consider expediting this process for me. Thank you.
Consumer complaint received 2024-09-12
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (FL)

In XX/XX/year> I tried online to redeem my Rewards Points on my Citi Dividend Card, which amounted to over {$160.00}. The choices were to receive a check in the mail or to have it deposited into my bank account. Unfortunately I opted to receive a check. I never received it despite numerous phone calls between XXXX through XXXX and a letter mailed to their " Contact Us '' address on their website. I was always told on the phone that a new check would be issued and mailed, and my mailing address was verified several times. I asked them to deposit it instead and they said they couldn't do that. The last time I called, the Rep hung up on me when I asked him his name. According to their website, my Rewards Check has been redeemed. If it was redeemed, it was not redeemed by me. 
I want to see a copy of the cancelled check and report it stolen. I hope you can help me recoup my check/payment.
Consumer complaint received 2024-09-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MN)

My wages were garnished by portfolio management for a debt to XXXX XXXX  earlier this year for {$3100.00}. Now I am receiving another notice of intent to garnish for the same amount from the same company.The letter I received in the mail had no information who the creditor was nor the amount. I had also not received any correspondence from them prior to that notice of intent to garnish. I have disputed the debt as paid and requested proof that I owe it and have not received it.
Consumer complaint received 2024-09-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (CA)

On or around XX/XX/XXXX of XXXX, I viewed an offer for Citi bank to open a checking account and receive an account opening bonus of {$300.00}. I opened the account on XX/XX/XXXX of XXXX, and set up direct deposit to ensure that I met the {$1500.00} direct deposit within 90 days. On or around XX/XX/XXXX I attempted to log into my online banking and was unable to. I called Citi customer service and they instructed me to re-register for an online account. I was able to log in and see my accounts. On or around XX/XX/XXXX I attempted to check the status of the {$300.00} bonus since the {$1500.00} had been met. I was unable to log into my online account. I called customer service and was told a new card was being mailed to me. On XX/XX/XXXX of XXXX, I received a letter from Citi letting me know that " pursuant to a recent review, it has been determined that we can no longer service your account ending in XXXX and your other related Citibank accounts ''. I called the number on the letter ( XXXX option XXXX, XXXX ) and was transferred to the fraud department where they were unable to answer any questions as to why the account was thought to be a fraudulent account, or whether the {$300.00} bonus would be granted to me. I also have a Citibank Credit Card that was opened in XX/XX/XXXX of XXXX, which I can not access because the online mobile banking log in are tied to each other. I was never contacted by Citibank and their alleged concerns of fraud, and suspect instead that Citibank was fraudulently misrepresented their Opening Offer bonus and is not wanting to honor their promotion.
Consumer complaint received 2024-07-16
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (IA)

Capital One owe me an amount of {$620.00} which they were supposed to sent me a check because it was a balance adjustment. Called them multiple times and kept telling me that they sent the check and I should wait about XXXX business days. The second time I called they gave me XXXX business days and the check never arrived. I begin requesting this since XX/XX/XXXX which is when the XXXX XXXX  was made. The rest of the details are in the file I attached below.
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (TX)

I paid for the free credit report from Experian. They automatically converted me to the membership that is {$24.00} a month. I called them to cancel and receive a refund but they refused and said that the membership is non refundable. I did not consent to paying for this membership.
Consumer complaint received 2024-09-13
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: CITIBANK, N.A. (CA)

I disputed the charge, but I have withdrawn because the merchant tried to solve the problem but the problem wasn't solved. I tried to reopen the dispute but they refused to reopen the dispute that has been closed.
Consumer complaint received 2024-08-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Payward Ventures Inc. dba Kraken (CO)

On XX/XX/year> {$1000.00} was deposited in XXXX a crypto exchange company. On XX/XX/XXXX XXXX wiped out to two bank accounts of total of {$1900.00}. Unlawfully was not authorized in front of a XXXX XXXX  employee and me at the bank. A fraud was then issued then XXXX locked my account out, seized {$1000.00} then turned around and trying to sue me with a debt collector for {$1100.00} I have no idea how they got this amount they just keep doubling down no phone number. This is a fraudulent company that he be looked into and their license need to be pulled. Thank you for this time in this matter
Consumer complaint received 2024-09-04
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (NY)

Citi continues to report inaccurate information to the credit reporting agency. I have disputed the information XXXX  and today they provided an update that continues to report inaccurate information. They are not reporting the XXXX payments I made in XXXX and are showing that a payment was not made in XXXX. In addition the balance of my account should be {$0.00} and it is showing as {$8500.00}. The payment I submitted on XX/XX/2024 should have brought the amount due to {$0.00} which is evidenced by both the letters I received by Citi and Citi 's response to my complaint. However, on XX/XX/2024, Citi submitted an update to the credit reporting agency that shows I did not make a payment in XXXX and I still have a balance of {$8500.00} which is negatively impacting my credit score and my ability to obtain housing, employment, and other critical services dependent upon my credit history.
Consumer complaint received 2023-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

On XXXX I submitted a complaint to XXXX XXXX XXXX of Wyoming XXXX Their response " XXXX XXXX, thank you for contacting XXXX XXXX XXXX to allow us the opportunity to address your concerns. When we received your correspondence, we immediately ceased all collection activity and began our investigation. We have closed your account in our office. As a courtesy, we have also requested that the credit reporting agency delete this account from your tradeline. Should you have further questions, you may contact us at XXXX during normal business hours and an associate will be glad to assist you. '' This is per CFPB Case XXXX. The account still shows on my transition record.
Consumer complaint received 2023-02-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (MI)

I have a XXXX XXXX by Synchrony Bank that I have recently been using for business expenses. This month XXXX 2023, I made payments of {$120.00}, and {$500.00} towards my account, before my scheduled due date. The Creditor applied the {$120.00} payment to my balance and allocated it to my available limit, the {$500.00} payment they received from my bank on XX/XX/XXXX, said they applied it to my balance but refuse to update my credit limit accordingly, stating they are " holding the payment '' until the XXXX of this month. My argument is I was not paying late, I was trying to pay my payment early when I received the funds for the goods I purchased and subsequently retailed. There is no grounds to hold the payment towards my limit, their argument was that because I was new customer they can hold payments arbitrarily due to bank holds, but the payment of {$120.00} was made in the exact same manner and with same bank account. Their next argument was that it was because it was a large payment, no where in their account paperwork does it state that they would hold account payment due to the size of the payment made, nor is it laid out that any payments made within the first 6 months are subject to be held. 
This is a very predatory practice to withhold paid funds from a credit account for any arbitrary reason, it is having a major effect on the cashflow of my business and causing me undue harm for paying WELL more than my required payment and them holding it for more than 2 weeks. The everyday consumer is paying the price for their " Anti-theft System '' that is not laid out in their agreement or application. Broad strokes their paperwork they send you after you apply say they can " hold Payments for any reason '', funny how the consumer doesn't have these same protections.
Consumer complaint received 2023-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.