davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-20
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 (OH)

I had two credit card accounts with Capitol One. Both accounts I have had for many years. One of them around 8 years. I was having some very hard financial issues/problems and it caused some of my payments to be returned. They closed my account ending in XXXX. They then turned around and closed my other account ending in XXXX that had nothing to do with the account ending in XXXX. How is that even fair legal or possible. I called Capitol One regarding this and they were not help. Did not even try to help resolve the problem. How can they even do this. These are two selections accounts two separate credit lines two separate payment histories. So of I financed a car through them would they close my car loan account down and take my car back? This should not be allowed to happen. This has affected my credit tremendously being that this is one of my lines of credit with the longest history. I am also going to try to email the CEO of this company regarding this. This should not be allowed at all. There was no warning. No option to correct this within 30 days just a letter giving me no options but closure, unacceptable. I will be taking this as far as I can. Unacceptable to close one account based off of another that has nothing to do with each other besides the fact they are two accounts with the same company but two totally different cards.
Consumer complaint received 2020-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (OH)

I have my credit frozen with XXXX, Equifax, & XXXX  to protect myself against identity theft because my info was breached in the Equifax breach and the fed government info breach several years ago. I went to thaw my credit with all 3 credit bureaus via their respective websites and only XXXX  asked me for the unique PIN to thaw my credit. Both Equifax & XXXX did not ask me for my PIN and did not ask me any out of wallet questions beyond my SSN, address, & DOB before letting me thaw my credit with their bureau. This is distressing to me because any of that info would have been included in their data breaches and the PIN is supposed to protect me even though my other personal info is out there. I asked Equifax about why I wasn't asked for my PIN and they said it is company policy to no longer require the PIN to thaw consumer credit reports.
Consumer complaint received 2022-12-27
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: Experian Information Solutions Inc. (UT)

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


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

15 U.S.C 1681s-2 ( A ) ( 1 ) : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (GA)

The company is using false and deceptive practices to furnish account information on my credit report without my expressed written consent. The company 's actions are a result of identity theft. 

I have never heard of the company and I am not in any contractual agreement with the company. 

The companies actions have violated my consumer rights under federal law and have caused me personal injury. 

The company is civilly liable to me under the Fair Debt Collection Practices Act.
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I called Bankamerica on XX/XX/2022 because I did a few very smaller transfers from XXXX account to my other account, and when my account was negative they allowed me to take an overdraft fee 4 times for {$35.00} just from transferring money from XXXX account to another. I'm filing this complaint because I have been a client with them for XXXX decades and I can't believe they would charge me {$35.00} for each transfer. I asked to speak with the manager and the manager was not helpful and she wasn't polite the rep wouldn't help me or the manager. They would only refund XXXX overdraft fee and that's understandable but this is wrong and something needs to be done.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

There are a number of addresses on my credit reports that are not mine. I am attaching my current driver 's license with my current address. I've contacted the three reporting agencies and requested that the addresses be removed and they advised that they could not remove them. Per the FCRA I am entitled to fair and accurate reporting in all areas of my files.
Consumer complaint received 2020-01-13
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: Experian Information Solutions Inc. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2020-01-13
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)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2024-06-17
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (AZ)

Columbia dba Genesis is trying to collect a debt that I do not owe and is not mine. They continue to report on my XXXX credit report that I owe a debt. My attorney notified them of my bankruptcy. Also according to rental applications it clearly states if denied fees are refunded. Therefore there is no debt. I have never lived at any of the properties they are trying to collect for. I am now forced to reach out to my attorney to file documents with the court to levy sanctions against Genesis. I am also filing a lawsuit for violation of the FDCPA and FCRA.
Consumer complaint received 2022-12-27
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: JPMORGAN CHASE & CO. (CT)

To whom it may concern : JP Morgan Chase was the financing company who was the lessor for a car I leased from XXXX in XXXX, which was subsequently traded in for a new vehicle late in XXXX. I started to receive debt collection calls from JP Morgan, earlier this year, related to property taxes and traffic violations that they had paid on my behalf. I thought something was suspicious as the traffic violation dates seemed to be beyond when I possessed the original XXXX vehicle. 

When I said I had no idea what they were referring to, they insisted they had been sending mail to me with documentation, but I never received anything from JP Morgan, even when I provided them my new address. Finally, there was someone from this team that actually explained what they were trying to collect for and provided me with the traffic violation numbers. I was able to confirm the property taxes were indeed for the time period when I leased the car and I remitted payment to JP Morgan for this. When I reached out to XXXX ( the actual company that issued the traffic toll violations )XXXX XXXX confirmed that the traffic violations were not in my name nor the license plate of my car and were related to a totally separate vehicle, but they can not provide this information to me because of personal data privacy laws. When I relayed this information to the JP Morgan representatives, they told me it is my burden to prove this, despite acknowledging it could be a data issue on their end and somehow can not access the actual violation data, because it was processed by a separate part of JP Morgan. My most recent outreach to XXXX  occurred on XX/XX/XXXX, in which they definitively told me there is no method that they can provide me written confirmation that the traffic violations are associated with a different account. I once again relayed this update to JP Morgan on XX/XX/XXXX and the representative told me once again that they will not be eliminating the balance of {$430.00}. I have consistently worked in good faith with JP Morgan to try and resolve this matter, despite the borderline harassing calls I received earlier this year ( until I was assigned someone who actually took the time to try and resolve this situation ), and I find it ridiculous that they are refusing to acknowledge that they potentially made a mistake and have put this burden on me to prove, knowing full well that they are the entity who actually has the data needed to confirm this.
Consumer complaint received 2024-04-13
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Adjusters, LLC (VA)

National Credit Adjusters calls me at least 2-4 times per week from several different numbers. I have request the original documents by mail for the debt reported on my credit for Cash Net ; the company has sent me information for a totally different company and amount ( XXXX XXXX ) {$730.00}. National Credit Adjusters are reporting this as a new debt. This debt is over 5 years old.
Consumer complaint received 2022-02-21
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I am requesting that my credit report dispute be reviewed. This is the XXXX attempt to get items corrected on my credit report. I have provided exact items on my credit report that are reported inaccurate and per the fair credit reporting act - inaccurate information is not supposed to be reported on a credit report. Please do not delete my credit report as this is a request to correct the certain errors on my credit report that I am pointing out to you. 
I take my credit report status very seriously as credit is a huge factor that determines my life and I want only accurate information reporting and reflecting on my credit report. Please review and correct or review and delete the inaccurate information asap.
Consumer complaint received 2022-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (UT)

XXXXXXXX XXXX XXXX should be showing Closed - Never Late. 
XXXX was the servicer of the loan in XXXX when XXXX XXXX XXXX claims that it was late. As you can see from the attached letter. XXXX shows that there wasn't a late payment. Also attached please find a screen shot of my credit report from XXXX showing accurate information how yours should be showing. We were always in forbearance and this account was never late.
Consumer complaint received 2023-08-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: FIRST HORIZON BANK ()

I canceled my credit card with First Horizon bank in XXXX in 2020 after the merger of Iberiabank and First Horizon Bank. I went to the branch in XXXX in XX/XX/2020 to check on the status. They said they had issued a credit card and I told them I did not receive it. So they should cancel the card. As I was checking my score on XXXX and XXXX I noticed that a XXXX XXXX credit card on the report. I contacted XXXX and XXXX to ask them to remove the card. I was told to contact the bank. 
I contacted First Horizon and was told that a new card was sent to XXXX XXXX XXXX XXXX, XXXX, FL XXXX. I checked with XXXX XXXX who owns the house and his sister who lives there and they say the card was not received. 
I contacted the bank to ask them to investigate to find and cancel the card. They said my name was on the account as a XXXX of Attorney and that only the account holder can do this. I contacted XXXX XXXX with whom I am not in contact with. 
I wrote a letter to the bank to instruct them to withdraw my name on the account and to cancel any credit cards in my name. They have given me the run around. I contacted XXXX who says their records show a card and that I have to get the bank to cancel the card. 
Despite my requests to XXXX XXXX and XXXX XXXX, there remains a credit card showing up on my report. 
During the period of Iberiabank I had used the card to pay house bills for XXXX XXXX. My concern is that there is a card in my name being used. Despite my requests from the bank and XXXX XXXX, no one has acted. 
I would like to find out if there is a card in my name and if yes, is it being used fraudulently? Secondly, I want my name taken off that account as I do not want to be involved in any finances with XXXX XXXX given that I am concerned about anti money laundering risks. Given that he has a girlfriend which I do not trust,, who knows if she is using that card to pay his bills? 
What can be done to have the credit card and my name removed from the First Horizon Bank account? What can be done to remove my risks associated with XXXX XXXX and his entourage?
Consumer complaint received 2022-12-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY (OH)

I disputed a fraudulent charge on my account. Wells Fargo did not respond or send notice about anything for over 30 days. They cancelled my card after they fought the charge being fraud. Once I had provided it was a fraudulent charge they removed the charge but closed my account with no notice. I was in the middle of grocery shopping and could not use my card. When I called, they said they would send me a new card. I have not received this new card for over a month now. 

Additionally, as I had not known my account was closed since Wells Fargo never advised, I deposited a balance transfer check into my checking account. The check bounced and instead of advising the account number changed they reported it as fraud and my bank restricted my bank account. This has caused me to take an exorbitant amount of time to go to the branch and resolve this issue created by Wells Fargo. 

I have effectively been punished for reporting a proven fraudulent charge on my account, which is a violation of Reg E and XXXX and/or XXXX XXXX XXXX
Consumer complaint received 2022-12-27
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (CA)

I have had multiple conversations and hours on the phone with personnel acknowledging overpayments in fact on my account and say they have to escalate it to get it resolved and then nothing gets resolved. Freedom Mortgage XXXX I am behind 1 payment yet when you look at my payment history from their site since my XX/XX/XXXX refinance, I have made 28 payments with additional funds showing yet since XXXX they tell me I am behind, this was the month that they also generated XXXX XXXX statements and show 1 payment sitting in a suspense account that they will not recognize. XXXX XXXX and funds in suspense attached. 

Inquiry sent today XX/XX/XXXX and XXXX  : Hello, I am asking again that my account be reviewed and corrected. I have made 28 payments since I refinance in XX/XX/XXXX. My payment history attached from your site and my bank records reflect that. However, you have put funds in suspense in XX/XX/XXXX that total 1 mth payment. The next 2 months I paid additional to catch up on the XXXX loan amount that I was not aware of because I am set up for auto pay through my bank. I am not behind on my account. Please apply funds in suspense to my account. Again, the attached pmt record is from your site. 

Thank you in advance, XXXX
Consumer complaint received 2022-12-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PLAZA HOME MORTGAGE, INC. (KY)

Company bought my mortgage from XXXX XXXX in XX/XX/XXXX XX/XX/XXXX payment was made in 2 separate half payments- one on XX/XX/XXXX and one on XX/XX/XXXX. It took 4 calls and well over a week to get this payment applied correctly as XXXX misapplied the payment. It was finally corrected XX/XX/XXXX. 

XX/XX/XXXX payment was sent electronically by my credit union on XXXX and as of today ( XX/XX/XXXX ), it is STILL not yet applied. I started calling on XX/XX/XXXX and immediately escalated. I have called and emailed multiple times with no resolution. I emailed proof of payment on XX/XX/XXXX from my credit union and supposedly, the treasury team is looking into it. I was told on XX/XX/XXXX that it could take 5 business days from the initial complaint to research and fix and on day 6, I received another email saying they need more time. I called back on XX/XX/XXXX and was told that yes, they could see it but it wasn't applied and they do not know why. I finally just received a call back from the escalation team a few moments ago. She informed me again that that yes, they see the payment out there, yet they will not provide an ETA as to when the payment will be fixed and applied. Again, this was sent on XXXX and it's now 3+ weeks later. 

XX/XX/XXXX is due next week but I am honestly not confident in sending this company any more money.
Consumer complaint received 2020-01-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (TX)

hello i have an american express card that had about XXXX $ credit line and i have it for 2 years. i have been paying my statement bills 100 % on time and not a single late payment. all of a sudden a month ago they suspended my account!! when i called them they said that i have used my card in a way that it shouldnt be. they said that i cant use my credit card in my XXXX  to send money!!! and they are going to cancel my account if i dont send them the bank statement that i used to pay credit card bills. i said i used to pay my bills with my own bank account for some time and i can send them the statement. but my son put my credit card acc on autopay recently and the recent payments are from his  checking and i can also provide his bank statement. but they said that it should be my account and also it should be recent!!! like they wanted something impossible so that they can close my account. they said that i used XXXX  in a way that i shouldnt have!!! i said why do u let people add their credit card in XXXX in the first place!!! they said that they wan na have this service to people!!! 
after a week or so i got a mail that didnt say ANYTHIING about cancelation but it said that after review, my account credit is limited to XXXX , the balance that i had on my credit card. 
after one more week i suddenly saw that they closed my account. when i called them she ( mrs XXXX ) said that she doesnt know anything about that mail!!!!! and she canceled my account herself!!!!! 
this account was a 2 year old account and all of my payments were on time. they had no reason to limit and cancel my account. even if they had a reason to limit the account they sent me a mail that said nothing about cancelation and then sheepley closed my acc out of the blue!!! is this something personal so that somebody whenrever she wants and whatever cancels my account! 
the chat support also said they refer my acc to collection!!! my last payment was less than a month ago and i paid due amount in full.i think they want to ruin my credit as well!!!! 
pls help me so that they cant ruin my credit score. they already closed one of my old accounts and ruined my credit.