davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I am the Power of Attorney ( POA ) for XXXX XXXX XXXX! My POA was created by my Attorney, signed by XXXX XXXX XXXX, and legalized by a notary public! XXXX XXXX XXXX has checking and savings accounts with Bank of America. Thru XXXX and XXXX I have been attempting to create a Payment on Death ( POD ) account for the beneficiaries identified by the will. My first request to Bank of America created this response, " the bank is unable to review the POA because the POA presented does not reference any specific United States state or territory statutes. Please provide an Attorney Opinion letter with respects to governing law ''. My lawyer, who wrote the POA has never heard of an opinion letter, so what i did was i included the fact that the beneficiaries were born in the United States and resubmitted and the response from BoA was '' provide appropriate court documents, an Attorney Opinion Letter or statuary authority that allows the Attorney in fact to act on the behalf of the estate representitive. '' In between my 2nd and 3rd attempt I got a survey from the BoA and it was not a flattering response from me so i get a call from the bank manager telling me that he and his boss were going deal with issues that i have raised. Will that did nothing. So my 3rd attempt generated this response from BoA, Unfortunately we're unable to accept the POA that you presented to act on behalf of XXXX XXXX XXXX. WE believe in good faith that the POA isn't valid and doesn't have the authority to perform the act requested '' I have sent the BoA the WILL, XXXX XXXX 's death cetificate and the POA. My POA has been accepted by other institutions without any issues at all! BoA says contact your lawer! My lawyer ( the one who created the POA ) is very agitated himself because the actions of the BoA, questioning his POA! " Has never happened before '' he says. The BoA just seems to be finding ways not to help.
Consumer complaint received 2024-04-22
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: Paypal Holdings, Inc (NJ)

I ordered a XXXX from XXXX and went to return it. They sent me a label that I was having issues with and an email saying I had up until the XXXX of XXXX to send in the XXXX. They sent me an email on the XXXX of XXXX saying my case was closed without anymore explanation. Also to add to that, XXXX has a 30 day money back guarantee and I had started the return process on the XXXX of XXXX so I should have had until the XXXX of XXXX. Regardless I sent in the XXXX prior to the XXXX, the date they originally told me to send the XXXX by. The XXXX arrived and I will send proof of all of this as well. I was never able to get a refund from them and I contacted PayPal as I had paid with PayPal. I submitted the dispute wrong and filed it under unauthorized payment in misunderstanding and PayPal refused to refund me as well. I contacted my XXXX XXXX credit card bank to refund me and they gave me a pending credit which they took back and said they needed more evidence to respond back to XXXX. I submitted all the evidence and each time theyd tell me to submit more evidence for different reasons and that it was not efficient to respond to XXXX with until they finally told me that the case was closed and they will not be giving me any credit or refund.
Consumer complaint received 2023-02-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (IL)

We were one of the 1000s of home owners that were unfairly denied a loan modification by Wells Fargo during the financial crisis that started in XXXX and went thru XXXX. 

We paid a {$6000.00} fee to get the loan modification only it never happened and were not given a reason why Wells Fargo has been ordered to pay home owners a settlement and that they said they have contacted/paid a settlement to most that have been affected, but we have not received any correspondence from them at all
Consumer complaint received 2020-08-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (TX)

Convergent is attempting to collect a debt that I do not owe. ThereforeConvergent has no legal right to attempt to collect any money from me. I have not ever authorized an account under the creditor that Convergent is attempting to collect for. Convergent has not validated this debt. Convergent is acting in a misleading manner and is in violation of the FDCPA..
Consumer complaint received 2024-07-10
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: U.S. BANCORP (MO)

THE CONTRACT STATES A LINE OF CREDIT THAT IS FDIC INSURED IN THE AMOUNT OF {$250000.00}. WITH THIS ACCOUNT SET UP AND ESTABLISHED IT'S NOT SUBJECT TO A CREDIT REPORT IT STATES IN THE CONTRACT A LINE OF CREDIT WHICH ENTITLES ME TO MORE THAN {$3000.00} AND I DON'T EXCEPT JUST {$3000.00} IT'S NOT ENOUGH.WHATEVER HAPPENED TO THE RIGHTS THAT I'M ENTITLED TO UNDER THE BILL OF EXCHANGE ACT IS THAT NOT IRRELEVANT HERE AT ALL. I'M NEVER LETTING IT GO BECAUSE IF I WAS WHITE I WOULDN'T BE HAVING THIS PROBLEM AT ALL I'M XXXX
Consumer complaint received 2023-03-01
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. (AR)

TransUnion, XXXX, XXXX have been furnishing some incorrect credit informations that belongs to someone else, someone with similar name, or someone with fraud intentions. i have attempted to dispute all the wrong information off my credit profile tirelessly with no decision in my favor. have filed and obtained a full police report on the incident, i have some other documents as well to support my claim. i have attached a copy of police report, i have also attached a notarized copy of my state isued driver licence that bears my legal name, i have attched a notarized copy of my utility bill that also bears the correct name and address of my residence and not all other wrong addresses that are being furnished on my credit profile. the wrong addresses includes ; XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, AR. 
XXXX XXXX XXXX, XXXX XXXX XXXX, AR XXXX 

SOME ACCOUNTS THAT HAVE BEEN FURNISHED BY THE CREDITOR INCLUDES ; XXXX XXXX, Account # XXXX, opened on XX/XX/XXXX ( {$0.00} ) XXXXXXXX XXXX XXXX account XXXX XXXX, ( {$760.00} ) XXXX XXXX XXXX XXXX, account XXXX XXXX XXXX XXXX {$440.00} ), opened on XX/XX/XXXX XXXXXXXX XXXX XXXX, account # XXXX, XXXX {$780.00} ), Opened XX/XX/XXXX XXXXXXXX XXXX XXXX, account # XXXX ( {$1200.00} XXXX XXXX XX/XX/XXXX child support account # XXXX, ( {$62.00} ) XXXX XXXX Account # XXXX, ( {$110.00} ) XXXX. XXXX XXXX, ACCOUNT # XXXX ( {$67.00} ) XXXXXXXX XXXX, Account # XXXX ( {$840.00} ) XXXX XXXX XXXX Account # XXXX XXXX {$610.00} ) All the above mentioned accounts have been furnished on my credit profile unlawfully ad illegally and violates my consumer rights.they do not belong to my name, i have never initiated those accounts.
Consumer complaint received 2023-02-02
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. (PA)

This is XXXX of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these items in accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-31
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 (FL)

XXXX XXXX XXXX XXXX XXXX I have had Identity theft that was in my hone by a boarder, this account with XXXX  XXXX XXXX  does not belong to me ( {$640.00} ) Open balance my name was cleared by the courts of my respective county through appropriate local police and federal investigation finger printing process. 

same thing with account with the followings : XXXX XXXX  case # : XXXX XXXX  Customer # : XXXX XXXX  of an amount of {$350.00}
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (CA)

American Express account ending XXXX has violated several of my rights under The Fair Credit Reporting Act 15 U.S.C. 1681 Section 604 A, Subsection 2 ; it also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1666B ; A creditor may not treat a payment on a credit account under an open-end consumer credit plan as late for any purpose.

15 U.S.C. 1681A ; Paragraph 2, Section A, Subsection ( i ) ; Consumer Report does not include report containing information solely as transactions or experiences between the consumer and the person making the report. 
American Express violated these rights by reporting the account to be late and closing the account without my knowledge. American Express is reporting negatively on account as Collections when In fact I have responded to their settlement offer and offered them one of their own settlement terms. See Attached email Copy.
Consumer complaint received 2023-05-14
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. (DC)

Dear Equifax, I am writing to express my dissatisfaction with the way you have handled my previous request regarding the removal of inaccurate accounts from my credit report. As I have stated before, the accounts in question, namely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I want to remind you that it is illegal for you to continue to furnish inaccurate information to consumer reporting agencies. Under 15 USC 1681 Section 602 A, I have the right to privacy, and Section 604 A Section 2 states that you can not furnish an account without my written instructions. Additionally, 15 USC 1681c. ( a ) ( 5 ) Section prohibits consumer reporting agencies from making any report containing inaccurate adverse items of information.

I have already requested that you investigate the accuracy of these accounts and remove them from my credit report. Yet, you have failed to comply with my request, and this lack of action is unacceptable. If you do not take immediate action to remove these inaccurate accounts from my credit report, I will be forced to pursue legal action against your company.

Please do not ignore this request. The inaccuracies in my credit report are causing significant harm to my credit score and financial well-being, and I will not stand for it. I expect your prompt attention to this matter.
Consumer complaint received 2024-04-22
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (WV)

I have a few cards with Synchrony Bank, specifically the following : XXXX XXXX, PayPal Mastercard, and Sams Club. Within the past 6 months, Synchrony has depleted my available and open credit. I went from having over {$6000.00} in open credit to {$500.00} between the XXXX cards. They said it is because of lack of real estate and too many inquiries. While Synchrony is depleting my open credit, XXXX XXXX is increasing my credit. 
My concern XXXX Synchrony is essentially saying I am not a good customer for them because of this or that reason. Now, because of them completely depleting my usage ratios- used to be only $ XXXX {$2700.00} was being used to {$150.00} out of {$170.00} which makes my credit usage go through the roof! It takes me from a small percentage of credit usage to over 90 %. By doing this my credit score becomes damaged. It is XXXX thing to like cut down available balance until the balance is paid but to completely cut it off especially when there has not been XXXX SINGLE LATE PAYMENT. Heck, the XXXX XXXX card was never even used yet. This is really bad service and truly damages my credit.
Consumer complaint received 2023-05-14
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. (PA)

Hello around the end of XX/XX/2023 as I was going through my credit report I noticed some violations. 15 U.S. code 1681s-2. There was no written permission from XXXX XXXX XXXX to have anyone published at all.
Consumer complaint received 2023-08-30
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (IL)

I cancelled my internet through XXXX account in XX/XX/2023 when I moved from the residence. XXXX continue to charge my credit card after repeated calls letting them know that I had moved and cancelled the account. I received a collection notice from Sequium Asset Solutions to collect {$380.00}.
Consumer complaint received 2023-10-24
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

ACCOUNT # XXXX We are not able to even check or are we getting/ receiving any information on this account they closed this account after we mailed a letter XX/XX/XXXX ( enclosed copy ) questioning an email we received on XX/XX/XXXX as a fraud /scam email. We have since written numerous letters and made numerous calls ( see just a few of the letters ( dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX that only response we get is a letter that is mass produced stating account will remain closed*applicant is not responsive to communication. We have called numerous times/mailed numerous letters and only response we get is a letter it is closed. Nothing addressing all the issue we have asked or written. When we call, we are being told : Great customers, great credit, very high credit score, they would need to limit credit given and that a supervisor would call back. However, no one every call back, has left a message or has reached out at any time.

We are still questioning entire account all chargers over entire duration of account, missing cards that we got three emails that they had been mailed, club points over {$300.00} that we can no longer access because of the account being closed, PAYOFF after entire account is investigated and corrected. Payments we have sent applied to principal as they stated correctly. This is discrimination since we are a married couple wanting a joint account, we questioned this and the email that we thought was fraud.

We are not looking to reopen or are we interested in that at this point due the way the entire issue has been handled. We have been issued a joint account through another card with no issues and done very quickly. It also offers much better incentives and ones that are actually not just based on one company Cabelas which is also discrimination against people that dont use hunting products. 

Thank you to your immediate help correcting all the issues with this company.
Consumer complaint received 2018-09-23
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (AL)

Made a payment of {$160.00} dollars to Navient by the payment due date and they sent me another statement for XX/XX/2018. 

Navient is overcharging me for my loan. I am very disappointed they told me two of my loans could not be eligible for lower payments, but I am in a hardship. I provided the representative with all of my financial information.

Navient is doing students wrong I have other student loans and there website says that they may be able to lower payments if there are other student loans.
Consumer complaint received 2024-04-22
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. (CA)

Was misled when I first applied XXXX. Both my school and Navient pushed us for getting this load and told us we would have no issues paying back that our payments would be low and affordable. Can't afford the large monthly payments over {$600.00} per month. I was able to get a lower payment program, however the low monthly payment does not go towards to the loan itself. With the interest rate the monthly payment doesn't pay off anything. I am basically paying Navient to not go after me. 

XXXX, Navient also temporarily sent my loans to XXXX and XXXX drained my bank account and started wage garnishment without notifying me. They say they have a signature from my XXXX, however I didn't have a husband. Nothing was signed or notified to me. I couldn't afford a lawyer to fight and advice from lawyers, was even though it was fraudulent, there was not way to legally prove it and I would spend too much money to lose XXXX
Consumer complaint received 2024-07-09
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Franklin Collection Service, Inc. (AL)

Franklin collection agency has put a collection on my credit. The collection is medical and, the law states that a medical charge can't be placed on your credit if it's over XXXX dollars and hasn't been 1 year since the medical bill was opened. They placed this on my credit 7 months after the account was opened instead of the year that's required. I disputed this and the refuse to remove the item.
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (HI)

Last year, I discovered that a Discover credit card account had been opened in my name without my knowledge or consent.

I did not apply for or authorize this account, and I believe this is a case of identity theft. I immediately filed a report with the Federal Trade Commission ( FTC ), documenting the identity theft and providing all necessary details.

I contacted Discover 's fraud department to report the unauthorized account and requested an investigation.Despite my detailed report and the FTC filing, Discover concluded that the case was not identity theft.

This conclusion is incorrect, as I did not open or authorize this account.

According to the Fair Credit Reporting Act ( FCRA ), once a creditor receives an Identity Theft Report, they are legally required to remove the fraudulent information from the consumer 's credit report. The FCRA mandates that companies must block the reporting of information resulting from identity theft.

My FTC Identity Theft Report constitutes a valid Identity Theft Report under the FCRA, and Discover is legally obligated to remove the unauthorized account from my credit report.
Consumer complaint received 2024-07-11
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. (IL)

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act.

I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ) i have attached copies of my id
Consumer complaint received 2023-08-29
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (ID)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ID XXXX ( XXXX ) XXXX XXXX XXXX, 2023 Comenity Capital Bank XXXX XXXX XXXX XXXX, OH XXXX To whom it XXXX concern, On Saturday XX/XX/XXXX, I was made aware by XXXX Bank, that my XXXX credit card payment due on XX/XX/XXXX, in the amount of {$2000.00} was declined by my bank. I authorized that same day with the XXXX representative to process a payment of {$2100.00}. 
Subsequently I called my bank XXXX XXXX ( XXXX bank ) to inquire about why the XX/XX/XXXX payment was declined. The XXXX representative told me that XXXX ( XXXX ) did not receive a payment request from Comenity and that no payment was declined by XXXX ( XXXX ). 
On Monday XX/XX/XXXX, I called Comenity to dispute the fraudulent Finance charge of {$36.00} and the returned check charge of {$30.00}, I was told that the system at Comenity was down experiencing issues. I called back on Tuesday XX/XX/XXXX the Comenity representative to dispute the fraudulent charges and I was transferred to a supervisor who instructed to write a dispute letter with an attached bank statement showing enough balance on the XXXX ( XXXX ) account. 
I enclosed my XXXX bank statement showing sufficient funds around XX/XX/XXXX, and an account record showing that no request of funds was denied by XXXX. 
I am requesting a refund of the fraudulent charges and a compensation for the time and aggravation that Comenity bank caused me. 

Sincerely yours,
Consumer complaint received 2023-02-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Hello, I sent a letter to XXXX XXXX asking them to validate an account they say I have Below. I sent them a letter on XX/XX/ which I also will be attaching below. It now has been over 30 day and I still have not gotten a response from XXXX XXXX. I would like for this company to provide a copy of my signature on any documents that holds me responsible for this alleged debt. I will also like for the company to cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 

XXXX XXXX XXXX XXXXXXXX In accordance with the Fair Credit Reporting Act XXXXt Accounts : 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 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-04-22
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (PA)

I received an AMEX gift card as a bonus from my work. I tried to spend it online at XXXX and in person at a store, but both times the payment was declined. The record says " declined - missing security code '' for both purchases, in a store and online.