davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

On XX/XX/XXXX I used points on my Capital One Venture card to pay for a Hotel Stay that appeared on my statement. Capital One immediately deducted the points ( XXXX ) from my points balance which should have credited my account for the {$100.00} hotel charge. The transaction shows in my Redemption History. 
As of XX/XX/XXXX, my account still has not been credited. 
Called Capital One on XX/XX/XXXX to report issue. Was told that there was a " system '' problem and they would open a ticket to correct. Called again XX/XX/XXXX, and today XX/XX/XXXX. 
Capital One does not appear to be correcting the problem which is entirely their error.

Capital One is in violation of our credit card agreement.
Consumer complaint received 2018-09-26
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

So I became an authorized user on my moms account when I was XXXX years old and apparently she had a late payment which stuck to my credit score and now my credit is down. I tried contacting capital one they were no help I just want it removed from my history because it wasnt my transaction.
Consumer complaint received 2022-05-23
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: Experian Information Solutions Inc. (PA)

Hi this is XXXX XXXX. with XXXX writing wth regards to the letter I sent you last time because it seems you have not taken action. there has not been changes nor I received a response from your agency. I hope that with the help of CFPB you will take everything seriously because the errors that I was asking for you to delete was all inaccurate.
Consumer complaint received 2021-11-22
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (DC)

To whom it may concern I reached out to Experian credit reporting agency to have a account that was more than XXXX years old deleted based on the FCRA credit rules this is something that supposed to happen automatically. XXXX and XXXX have remove this account from my credit report. I made the dispute with Experian instead of them deleting the item they put new information that made the account more current which is illegal. As you can see from the picture they were in a rush to update the file that they didnt even update the days that it was past due correctly, this is illegal. Please find the attached picture from XXXX and XXXX confirming this account has been deleted based on FCRA
Consumer complaint received 2022-12-17
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I entered into a predatory loan in XX/XX/2018. I walked into XXXX XXXX XXXX looking to purchase a vehicle. The salesman by the name of XXXX assured me he would assist me throughout the process. From the beginning of the process until the end my father and I was forced into an agreement without the proper information. The agreement was not explained in its entirety and everything the salesman told us was completely different from the contract. We expressed the concern to XXXX XXXX XXXX the very next day. They forced us out of the office and aggressively stated the right to rescind was not allowed. We had no knowledge of the federal law at the time. There were a multitude of malicious things that happened during our experience. My father was listed as the primary holder and me as the co-signer. We were never informed that during the process nor did we see that in the contract. The contract that was provided to us and the one received from XXXX XXXX was completely different. We were taking advantage of as consumers. XXXX XXXX are contracted with a company that is doing bad business. As a consumer entering into a uniformed agreement. XXXX  XXXX had charged the account off without considering the violations that has taken place by the XXXX XXXX XXXX.
Consumer complaint received 2021-11-22
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: EQUIFAX, INC. (NC)

The account mentioned in the attachments from XXXX XXXX XXXX XXXX is listed as a Charge off when the account was actually paid in full by the consumer. The account numbers listed on the credit reports are inaccurate, and was called valid after investigation. The payment details are inaccurate and XXXX is the only credit reporting agency who has continued to re-age the account through its reporting since the account was paid and closed in XX/XX/2018.
Consumer complaint received 2024-02-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: NEW YORK COMMUNITY BANCORP INC (CA)

I have a mortgage loan with FlagStar Bank. I have been trying to pay off the loan with larger payments. I called the bank to see how to this on XXXX. I was informed I could do it with personal checks and to include " for principal payment '' on the check. I began sending in the checks that week. On XXXX checked on-line and all of the payments were applied as future monthly payments and charged future interest. I called the bank after checking the status on-line. I spent XXXX on the phone with different supervisors all giving me different stories about their policies. They were supposed to put in trouble tickets with their " close-out '' department to remedy the situation and call me back. On XXXX I did not receive a return call. I checked again on-line to see what happened. The payments I had made were all removed from the principal and put into a " suspense '' account and my overall loan balance went back up ( thousands of dollars in interest! ). 
I called the bank again - new supervisor ... '' no idea why they would do this. '' She wrote an email to the other department. Hours on the phone, they have {$310000.00} in " suspense. ''
Consumer complaint received 2024-02-22
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: PNC Bank N.A. (MO)

Yes I am XXXX XXXX XXXX and me and my wife XXXX XXXX XXXX have been stolen from by my wife 's sister XXXX XXXX of XXXX XXXX XXXX Missouri she stole our identitis turns out couple decades ago for reason of trust fund in my name and information My Treasury direct account in my social security number XXXX XXXX XXXX her sister has spent alot of our money and assets impersonating us and we want her AREESTED there is proof online her sister had XXXX money and now XXXX. XXXX XXXX net worth and record 's gives long list of her crimes and also XXXX XXXX trust fund record 's net worth and XXXX XXXX My wife net worth. It's All there online for her arrest because My wife and I are just now getting information about her despicable crimes against us. Our only address is XXXX XXXX XXXX XXXX XXXX XXXX Missouri XXXX our only email is XXXX our only phone number is XXXX XXXX XXXX .. we want our legal trust fund and assets my social security number is XXXX XXXX XXXX
Consumer complaint received 2015-04-27
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY (DC)

The American Express website shows a balance figure called the " Current Balance '' in a larger font than some other sub-balances. However, this figure is actually the Statement Balance, not the current Outstanding Balance. So if you pay only the " Current Balance '' you actually a leave a balance on the card and thus must pay a financing fee. This is needlessly confusing and seems to be an attempt to bilk customers out of financing fees.
Consumer complaint received 2016-01-25
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: ENCORE CAPITAL GROUP INC. (OK)

Each of the reasons listed above have occurred on multiple occasions. Vial, nasty curse words have been directed to me. I have been cursed out at work, threatened and harassed on multiple occasions. Additionally, I was not served by a " process server '' notifying me of a court date and a judgement was entered against me. Documentation presented to the court indicates I " was '' served but during the time indicated on the service notification I was out of town.
Consumer complaint received 2021-07-24
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Blackhawk Network Holdings Inc. (CA)

I received a XXXX  XXXX  XXXX  for XXXX for {$200.00}. When I tried to use it, the money wasn't there. I called the Visa Card Customer Service XXXX, found out where the charge was made, and called the department store. Someone made an online purchase for the full {$200.00} then picked up the merchandise at the store location. Their identity is unknown. I immediately called back the XXXX  XXXX  XXXX  Service number to make a report. They then instructed me to fill out a Card Holder Dispute Form, email it in, and I would get refunded the money back on my card. It's been 6 months and they never placed the money back on my gift card like they told me they would. I have attempted to call them, and email them multiple times without a response, and NO REFUND.
Consumer complaint received 2022-10-13
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. (SC)

My name 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.
Consumer complaint received 2022-05-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Hi this is XXXX XXXX. with XXXX writing wth regards to the letter I sent you last time because it seems you have not taken action. there has not been changes nor I received a response from your agency. I hope that with the help of CFPB you will take everything seriously because the errors that I was asking for you to delete was all inaccurate.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Maximus Federal Services, Inc. (OH)

I wrote a letter to the Dept of education and to aidvantage about why they have my loan information on my credit and consumer reports without my written consent. At the time of applying and accepting the loan for college courses I was NOT notified about this showing up on my report nor was this made clear to me this would occur. They violated the law and do NOT have permissible purpose to share this information to the consumer reporting agencies. I've requested for the proof of permissible purpose given and they could NOT provide and with each letter I sent them they wrote back saying there wasn't enough information provided which doesn't make sense.
Consumer complaint received 2021-11-19
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Harris & Harris, Ltd. (TX)

XX/XX/21 I called Harris and Harris Ltd regarding cliam number XXXX. I spoke with a woman I was explained to her that I was on XXXX insurance now. I cant pay this debt. I dont live in Louisiana anymore. She said I see you trying to control this conversation but it doesnt work like like that. So I disconnected before she could cause me more emotional harm. I felt XXXX  and XXXX  by her tone of voice. She was XXXX
Consumer complaint received 2022-01-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TransferWise Ltd ()

Facts : On XXXX XX/XX/XXXX I have opened a personal account in Transferwise On XXXX XX/XX/XXXX I have opened a business account in Transferwise On XXXX XX/XX/XXXX both accounts were deactivated. It was impossible to obtain any explanation from Transferwise On XXXX XX/XX/XXXX I completed an online appeal form and sent an email to XXXX My personal account login ID is XXXX and it has a balance of USD XXXX at least. My business account login ID is XXXX and It has a balance of EUR XXXX  at least. In both cases I had to estimate the amount of the balance because I can not access to any statement. 

Problem : I am still waiting for any explanation about what happened, waiting for the refund of my balance, waiting for any documentation/information request but there is no feedback at all. 

Transferwise provides an appeal process but it is not possible to present a reasonable appeal to a decision without knowing why it was taken and without having access to the account information. 

The service was good so far and I do not like to complain but a month has passed. I do not even understand why my account was closed in the first place. I was hopping that to be some kind of error in an automatic process but nobody is providing me with any feedback and my funds seem to have disappeared.
Consumer complaint received 2019-01-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

Fifth Third Bank closed my Essential checking account on XX/XX/XXXX with available balance. Upon closure, funds in the amounts of {$370.00} & {$20.00} were never refunded back to me ( funds were refunded to a " closed '' checking account at XXXX. On XX/XX/XXXX, XXXX banking representative confirmed no funds were ever received and the account is still in " closed '' status at XXXX ). 

When inquired about not refunded funds in a local branch ( XXXX XXXX XXXX, XXXX, Ohio ), Personal Banker ( XXXX XXXX. ) advised they are not able to help me in branch and referred to call Fifth Third via phone at XXXX. 

After several phone calls, Customer Service Representatives where not able to assist me and currently, no funds have been refunded. 

Additionally, a promotional bonus of {$250.00} was attached to the Essential Checking. No bonus in any amount was received.
Consumer complaint received 2022-10-13
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. (FL)

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.
Consumer complaint received 2019-07-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (UT)

Synchrony continues to report fraudulent debts in my name. A JCpenny and Old Navy accounts were fraudulently opened in my name without my consent and used fraudulently. The police report documentation was sent to Synchrony debt collectors back in XXXX and they continued to report the debt anyways. I am requesting the credit reporting to be deleted immediately from all major credit bureaus. And notify the debt collectors to remove any credit reporting to the credit bureaus immediately. 

The XXXX police department file for this was filed back in XXXX. Police report - # XXXX, additionally a IDTHEFT report was filed XXXX these documents These records have continued to be reported and have continuously violated my rights and are major violations for reporting these debts anyways to the credit bureaus under the FCRA and FDCPA. As Section 623 states under the FCRA the data furnisher is fully responsible to gather all relevant information before reporting any debt of a consumer. This was never done. I have contacted the police department and XXXX XXXX XXXX stated no creditor or debt collector has requested the police reports from their police department.
Consumer complaint received 2015-11-12
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: POLARIS HOME FUNDING CORP (TN)

I received a letter from Polaris Home Funding Corp as a solicitation for consolidating my credit union mortgage loan and credit card. The letter was deceptive and clearly and attempt by the sender to make it seem as if the credit union had sent the offer. Here are some bullet points : * The envelope did not contain a return address identifying the sender of the letter* The letter was not on letterhead identifying the sender*The letter contained the name of my credit union in large font in the body of the letter but only identified the sender of the letter in small font in the footnote* The heading of the letter was " IMPORTANT NOTICE! PLEASE CALL IMMEDIATELY ''. This made the letter look as if I had a problem with my credit union account. 
* The letter stated " Due to recent guideline changes '' again a reference that made it seem as if the letter was from the credit union as it did not identify who made the guideline changes* The letter indicated there would be a high volume of calls and to reference my account number when I call. This is a method to make it look like it is a credit union account number. 
* The letter references a rate reduction " program '' and uses word program without going into detail as to what it constitutes other than a lower rate or whose program it was. 

The letter was deceptive and a clear attempt to make it look like it was endorsed or sent by my credit union. I have included copies of the envelope and letter.
Consumer complaint received 2019-11-22
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

The XXXX XXXX  company has been reporting inaccurate data for a year. I have disputed the current balance and the original loan amount with each agency, once a month for 365 days. Each time the Loan servicer confirms the incorrect data. They are not reflecting the loan modification amount at all and do not reflect the modified amount online or in any statements. I have entered formal complaints as well as disputes with them with no response. I am eager to find an attorney to formally advise that they are damaging me financially. I make an average of 3-4 calls to the loan servicing company and 5 calls to agencies monthly.
Consumer complaint received 2024-02-21
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Line Financial, PBC (TX)

Charged fee and saw I have an outstanding balance of {$90.00}, theyd been accumulating fees since last XXXX, informed them of my ACH revocation and was told this was not allowed, I informed them of my right as a consumer to request this and was told it was not allowed
Consumer complaint received 2022-05-23
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX  XXXX Account # 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 a account without my written instructions
Consumer complaint received 2022-05-23
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem adding money
Company: AMERICAN EXPRESS COMPANY (NJ)

Dear Sir/Madam, We have Amex gift card that was used to buy XXXX furniture at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. Because of unfortunate life events, my sister had to move to XXXX from XXXX  and we returned furniture to XXXX. XXXX returned money to the Amex Prepaid card. We returned items that are valued more than the Amex prepaid gift card, which we pointed out the XXXX representative at the time. She informed us that since she didn't get error, we should be ok and the gift card is like credit card and the total amount will be there. Total amount returned was {$610.00}. This transaction was done on XX/XX/2020. 

While moving from XXXX to XXXX the gift card got misplaced. We found it later. While trying to use it after a year, we found out there is no balance on the Amex prepaid card. So we inquire with Amex customer service, we were informed that since the amount was more than the prepaid card, Amex returned the fund to XXXX. 

We called XXXX customer service, and was informed that they can't see this transaction online and we have to go the store. We live in XXXX XXXX and it is not possible to go to XXXX. I couldn't find the solution and want to see if cfpb can help us. 

I have return receipt. Amex customer representative email and XXXX customer representative emails. Please let me know what can I do to resolve this issue. 

Best Regards, XXXX XXXX XXXX
Consumer complaint received 2022-05-23
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account XXXX XXXX XXXX XXXXXXXX Account # 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 a account without my written instructions