davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital one has been holding my money hostage since XXXX XXXX XXXX I sold a car over the XXXX  and had {$6000.00} deposited via XXXX. Almost immediately they froze my account for review. I called and explained the situation. I explained said person gave me {$4000.00} in cash and sent the remainder electronically. I even offered to provide the transfer of title and show them the conversations between I and this person. Since then Ive learned that this person is trying to scam me and reported the transaction as not authorized after they sent me the money. Once again, I explained this situation to Capital One and offered to show receipts of messages back and forth between this person. It has been over two months and the only responses I have received from Capital One is generic emails saying my account is under review. I received an email even stating my accounts were closed however they would transfer any remaining balance to linked accounts. That still has not happened. I am still able to login and see the balance in the account but it says it is unavailable for withdraw. How can they just hold on to my livelihood like that for months? I need this resolved immediately and they wont even consider the fact that someone is actually trying to scam me even after providing proof of this.
Consumer complaint received 2023-10-04
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: CITIBANK, N.A. (WA)

XXXX on return receipt : Macy 's XXXX XXXX - XXXX - XXXX XXXX XXXX XXXX  XX/XX/XXXX - Order # XXXX. 

On XX/XX/XXXX I returned a purchased item to a Macy 's store. The receipt says to " allow XXXX business days for the shipment and processing. '' XXXX business days from XX/XX/XXXX is XX/XX/XXXX. 

I called on XX/XX/XXXX to inquire about the refund. I spoke with XXXX ( sp? ) and was told that the tracking slip said the returned item delivered on XX/XX/XXXX so I should see the refund within a week. I also asked about interest accrual and was ensured that the interest would be credited along with the purchase price of {$56.00}. 

It's now XX/XX/XXXX and I still have no refund. I tried calling the credit card service line twice today. Once, the automated message said that they can't access their records right now and to call back later. I called back and got through the automation to hold for a representative. After holding for XXXX minutes it dropped my call.
Consumer complaint received 2023-10-04
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: SUNRISE CREDIT SERVICES, INC (CA)

XXXX XXXX XXXX  SUNRISE COLLECTIONS AGENCY ESTABLISHED AN ACCOUNT AND HAS BEEN ATTEMPTING TO COLLECT A DEBT ORIGINALLY FROM XXXX XXXX XXXX NOW MY PERSONAL INFORMATION HAS BEEN SOLD FOR A THIRD TIME TO ANOTHER THIRD-PARTY AGENCY XXXX XXXX XXXX XXXX XXXX WITHOUT MY CONSENT. BOTH AGENCIES ARE CONTACTING ME NOW IN AN ATTEMPT TO COLLECT SAID DEBT. ACCOUNT IS PAST THE STATUTE OF LIMITATIONS AND THESE DEBT ACCOUNTS KEEP APPEARING ON MY CREDIT FILES CAUSING DEROGATORY MARKS OVER AND OVER AGAIN. I HAVE ALREADY DISPUTED THE ORIGINAL DEBT AND HAD IT REMOVED FROM MY CREDIT FILES, NOW THE DEBT HAS REAPPEARED YET AGAIN WITH AN INCREASED AMOUNT OWED.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: FORD MOTOR CREDIT CO. (FL)

XXXX is not reporting a closed auto loan that was in good standing on my credit report. In XX/XX/2016 I paid off my auto loan and this loan is supposed to stay on my credit report as it is included in my XXXX credit report accurately. The details are listed below for your review. Ford Motor Credit - Omaha Service Center Account ending in XXXX Amount originally financed {$19000.00} XXXX attempt.
Consumer complaint received 2023-10-25
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc. (MI)

I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC
Consumer complaint received 2023-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX, XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX/XXXX.
Consumer complaint received 2023-10-21
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (WV)

I pay my monthly American Express balance in full each month via their app on my phone. The last statement indicated the due date was XX/XX/XXXX. I paid the full amount ( {$14000.00} ) on XX/XX/XXXX. The next statement included a {$380.00} finance charge and a {$29.00} late fee. I informed American Express by phone & was told there would be an " internal review " & I would be notified ( this was on XX/XX/XXXX ). I received no notice & called again on XX/XX/XXXX. I was told that it was declined and that the interest & late fee were due. In addition another {$190.00} was added as what they called " trailing interest ''. The only remaining balance during their review was the previous interest & late fee. So the balance now has increased to {$610.00}, none of which I feel is warranted.
Consumer complaint received 2023-10-04
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: National Credit Adjusters, LLC (GA)

I was reviewing my credit report, I noticed a few accounts in collection that I did not open. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. NCA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC (FL)

Two consecutive months I have tried to login to pay on the due date and the website always gives me login errors or says temporarily unavailable. Shortly after the XXXX XXXX  cutoff when payments are late, I'll be able to login again, but will be too late and have been assessed a late fee both of the last two months
Consumer complaint received 2023-06-13
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (PA)

Re-focusing on past statements PHEAA has provided in this forum, it is appalling that PHEAA basically calls me a liar by claiming that they couldn't " substantiate '' any inappropriate activity. The fact remains that they have employees who act threatening towards me when I call the company out on their wrongful behavior. Again, this is another form of discrimination against the borrower by the acts of their Agents. They allow people getting paid to be professional at their organization to act in any way other than professional. I have had Agents claim they were keeping a " close eye '' on my personal information after they became hostile over the phone simply because I disagreed with a statement they made. Chat Agents dialogue shows and proves contempt for being professional by claiming they " already answered my question '' when they did not, and I had to repeat myself multiple times. My guess is PHEAA deliberately deletes recordings that prove their agents are despicable and hateful individuals. These agents make mistakes that are borderline criminal by invalidly removing my access on multiple occasions. The responders are extremely short-sighted and fail to diligently look at all evidence of wrong-doing. There have been several chat transcripts like the one I submitted in the past. It is only when I post the entire transcript through this forum that PHEAA tries to claim apologies. Any other time, they find " no wrongdoing ''. This is an obvious red flag and a crucial clue that whoever is responding is not doing their job properly, and probably needs to be terminated or replaced. 
PHEAA STATEMENT FROM XX/XX/2022 -- While we understand that you have been dissatisfied with the service that you have received, we were unable to substantiate your claims of inappropriate activity. No further action related to restricting employees accesses to view account records is planned.
Consumer complaint received 2023-10-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc. (TX)

When AidVantage took over my student loans, I was previously paying on the same student loans and my monthly payments were approximately {$350.00} dollars with the same interest rate and same style plan. Last month the payment amount that AidVantage made me pay was {$480.00}. I called them at this time and asked them as to why on any other federal student loan borrower I had been working with they were charging so much more for repayments of the exact student loans. They stated that they would have a person look into this. It has now been one month and I have heard no word back from this on this issue. 
Fast forward to today, I received my bill from AidVantage and I will now be required to pay {$630.00}. This is even more than what they charged me last month. I then called this morning and was on hold for approximately 45 minutes before I even was able to visit with a customer service person. When I began visiting with the person, they were not interested in listening to the concerns I had with why I am being charged so much more with their company than any other Federal Student Loan I have been associated with. She instead continued to try and include that if I had problems making payments there are other payment options available. I tried to tell her that at this time I did not want to consider another type of repayment plan, I just wanted to visit with someone that could look into why with AidVantage I am now required to pay several hundred more dollars per month on the same student loans on the same types of plan I have been on with other Federal Student Loan providers. If she could not help me with finding out this information, I asked to speak with someone that could further look into this. At this time she pushed the phone line over instantly into the ending portion of a phone call when the person is asked to answer the questions for customer service feedback. She did not say that she was doing this or that she would try to work with me on getting someone else that could possibly help with my concerns. 
I then went to their online portal and sent in this information as well to them through e-mail and have once again requested to speak with someone that would possibly be able to help me understand why payments are now significantly more per month with no changes in my student loans.
Consumer complaint received 2023-08-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Had a account with bank of America they were committing fraud on my account despite there numerous attempts they were unsisesfu in 2022 I notice a big amount in the negative on my account I immediately called the bank and I closed the account and asked them to do a claim. Recently I noticed was in collection because of this the banker did NOT file a claim witch lead me to collections I was put on a check watch list an affected my credit score. Bank refuses 2 do anything about it won't give me I formation or let me speak to a supervisor
Consumer complaint received 2023-07-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

My account should not show any late payments because I have always paid on time. It is unacceptable to see late payments on my account, and I urge you to correct this error immediately.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MI)

I have filed numerous disputes to a multitude of incorrect and flat out wrong information on my credit report. Then they send me a letter saying they believe someone else is doing this so its not being investigated. 
The grotesque errors they refuse to investigate or fix on my report are causing me severe and undue harm and emotional distress. 
I demand the information be removed immediately.
Consumer complaint received 2022-12-09
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. (CA)

This complaint is to follow up on my prior protests and letters I submitted on XX/XX/2022, and to notify them that I am halfway to taking lawful action and litigating Experian for their headstrong nonfulfillment of the FCRA statute. Only if they took time to update and correct the account on my Credit report, then I may halt filing proceedings against Credit reporting agencies. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. The account that should be adjusted is : XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-04
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (NC)

Over the last couple months, I have received repeated calls that show up as " No Caller ID ''. I receive such calls multiple times a day, almost every day ; they do NOT leave messages, and they do NOT identify themselves. I have attempted to answer calls received from No Caller ID multiple times, only to have the caller hang up on me. I unmasked the number using the copy/paste function on my XXXX, and " No Caller ID '' comes from the same number each and every time ( XXXX ). I have attempted to call this number in an effort to uncover the identity of my harasser, but my calls are blocked! I even paid for an online report to identify who is behind these calls, and I discovered it is a CELLULAR phone. Today, I answered such a call and was finally able to access an automated interactive menu, albeit without an option to speak with a live agent. The automated menu identified the caller as Comenity Bank. I do owe them money right now -- my mother was injured in an accident and I have been out of work caring for her since the end of XXXX. I plan to pay my balance, in full, within the next 10 days, when I receive my NC pension refund, after having left my position as a XXXX XXXX  so that I could continue to care for my XXXX mother. 

It is my understanding that repeated calls are harassment and, therefore, illegal. I do not know if the following also qualifies as harassment, but I personally find it *incredibly* harassing to have a so-called legitimate business call from " No Caller ID '', ( and from a cell phone, at that! ) as they are intentionally masking their phone number so that I can not identify them or return the call. In masking their identity, they are hoping I will be caught off guard if I answer their repeated calls, which only speaks to the aggression with which they go after debtors. Maybe this is too much information, but I was once in an abusive relationship, and I just get REALLY nervous and anxious about repeated calls from someone who is intentionally trying to mask their identity. That stress, to me, far outweighs the LESS THAN {$300.00} that I currently owe to this creditor. This company has been in hot water before, but yet continues to use predatory tactics with their consumers. It is despicable, and I will close my account the moment my balance is paid.
Consumer complaint received 2023-10-04
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: CreditNinja Lending, LLC (MI)

This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given authorization and/or permission to access my credit profile. Furthermore, you have no permissible purpose by law to contact third parties with my private or personal information. Said violation ( s ) amounts to Aggravated Identity Theft pursuant to Title 18 USC Section 1028A, as you have knowingly transferred, possessed, and/or used, without lawful authority, a means of identifying me, which is a felony punishable by law up to two ( 2 ) years imprisonment, in addition to civil liability. 

By obtaining my XXXX Consumer Credit Report on XX/XX/XXXXXXXX  and XX/XX/XXXX, respectively, without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ), codified at Title 15 USC Section 1681b ( a ) 3 ( f ) ( i ). Chester v. Purvis, 260 F. Supp. 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with XXXXXXXX XXXX XXXX. Furthermore, I do not have an account, as defined under Title 15 USC Section 1693a ( 2 ) with XXXX of XXXX for review or collection.
Consumer complaint received 2023-10-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC (FL)

I received 2 collections charges on my credit report from collection agency called Ability Recovery Services for the amounts of {$890.00} and {$940.00}. The original charges occurred from the company XXXX XXXX XXXX. The collections account was opened on XX/XX/2023. I have filed a police report and an identity theft case. I reported this fraud to XXXX online and over the phone to XXXX XXXX XXXX and to Ability Recovery Services.
Consumer complaint received 2023-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In according with the fair credit reporting act XXXX XXXX acct # XXXX has violated my rights. And XXXX Bank XXXX account XXXX XXXX, has violated my rights. 15 U.S.C. 1681 Section 602 A states I have the rights to privacy. 15 U.S.C. Section 604 A Section 2 states also consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 166b ( A ) creditors may not treat a payment on a credit account under an open end consumer credit plan as late for any reason. 

My position as a XXXX consumer : I had been denied credit by creditors, due to inaccurate/ fraudulent reporting by XXXX. The XXXX XXXX collection is for XXXX account opened by identity theft, in my birth name XXXX XXXX. In which I haven't used since married in XX/XX/XXXX. 2 years of late payments being reporting with this account. XXXX Bank XXXX XXXX credit card account, that I opened in XX/XX/XXXX. Was paid in full and I requested by phone to close credit card account, due to incorrect billing by XXXX. It reporting 72 late payments on this closed account.
Consumer complaint received 2018-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: BARCLAYS BANK DELAWARE (IL)

Hello I reached out to this merchant regarding a fraud credit card that was opened on this account the merchant informed me that they couldn't verify that I didn't benefit from the credit card so they cant help me remove this negative item that does not belong to me from my credit I asked to the creditor to send me identyinfg documents to verify who opened the account up and they could not they also don't have anything that associates me with this credit card except for my ssn no other documentation they have on file belongs to me this account was opened via the internet per the representative so they are assuming this is my account and it does not belong to me