davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

I tried to use my card to submit a USPS change of address request for a charge of {$1.00}. I used Capital One for last move with no issues. This time, the charge is showing as declined and USPS told me to contact my financial institution. I did contact Capital One and I was told that everything matched fine. We re-entered the address again. Still failing. USPS continues to say it is declined on the card issuers end. Capital One continues to say there is nothing they can do. I was told to call back and speak with the transaction support department but your managers would not ever transfer the call, just said there was nothing they could do. I kept hearing " we can't do anything more. '' I tried my other Capital One card and it was also declined. I tried another NON-Capital One credit card, and it was approved the first try! I can not believe Capital One when they continue to say it's nothing to do with them, it's all the USPS, when I try a different credit card and it works fine on the first try. I want someone to review all the calls from the past 24 hours on my account and see this back and forth. It is clearly an issue with Capital One when both of your cards are declined and my other credit card approved immediately.
Consumer complaint received 2022-03-01
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. (TX)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 4. Validate Account US DEPT ED Account Number : XXXX Please remove it from my credit report. 

5. Validate Account US DEPT ED Account Number : XXXX Please remove it from my credit report. 

6. Validate Account US DEPT ED Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2019-03-27
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: Credit Karma (MA)

On the Credit Karma website it shows that I have 6 hard inquiries with XXXX. I am angry that Credit Karma enticed me into applying for many credit cards. They say that checking my credit score wont hurt my score but then I was given many credit cards to  apply for. I had no idea that by applying ( on CK website ) for the credit cards on their website ( and now I realize the were just advertisements ). I am angry that this information wasnt available. At the time I applied for many credit cards thinking it wouldnt hurt to see if I qualified. But it did hurt my XXXX score. I feel that I was tricked into applying ( for the advertisements on the Credit Karma website I am asking that all hard inquiries be removed from XXXX because I was tricked into applying on Credit Karma many times for many credit card offers, thinking that I would have no impact on my credit score. Ive noticed that Credit Karma has more information that is more clear about what thing effect a persons credit score. The information was NOT clearly visible and that is why I have many hard inquiries,, because that information was NOT clear t the time I applied to their advertisements for credit cards. Again Im asking hat all hard inquiries be removed from both XXXX and XXXX & all scoring agencies
Consumer complaint received 2019-06-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion is reporting incorrectly that I am 60 days past due on the XXXX - partial account number XXXX. ( Please see pages 3 and 4 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2022-03-01
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC. (MI)

have had financial hardships from losing both of my parents last year in XXXX and XX/XX/2021 then having XXXX late XXXX of which I am still recovering and unable to work. Today, I called to speak with the original person assigned to my file, which is XXXX XXXX at XXXX. XXXX. When speaking with XXXX XXXX who was extremely rude to begin refused to transfer me over even when I provided him the extension. He advised that she was not assigned to the account. When I asked who was assigned to the account, XXXX XXXX intentionally disconnected the call. 

Let me be clear, I can not help catching XXXX. I did not create this pandemic, I like the rest of the county are simply navigating through. I am still recovering and no one outside of XXXX XXXX has been helpful in any capacity with my issue. Every other person is rude, and hang up when I ask them to identify themselves. When they call you and you request to know who's calling, they hang up. This is borderline harassment. I have a right to know whom I'm speaking with in regards to any manner I am contacted that concerns me. Ally had not worked with the consumers despite the pandemic where we are financially harmed because of XXXX, despite or previous payment history with them. 

To assist me in becoming current despite my being unable to work, I am asking that all late fees and other fees incurred during this time of illness be waived and that Ally will work out a payment plan for me to become current. I am also asking that my file remain with XXXX XXXX until I am brought current.
Consumer complaint received 2022-03-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Public record information inaccurate
Company: CITIBANK, N.A. (MO)

The SEARSXXXX XXXX account that is being furnished on my Credit Report is inaccurate and old. The account included in the bankruptcy are removed after seven years. Please investigate the date of this account being reported as a bankruptcy. I've already sent letters to both the Credit Bureaus and the furnisher without any successful resolution. Please provide me a copy of the legal documents and any proof to verify the account 's status. Otherwise, removal of the account should be highly recommended.
Consumer complaint received 2019-06-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION (VA)

This morning, XX/XX/2019 I spoke with M & T Bank 's Customer Service Department regarding the status of my case # XXXX. This case/claim was filed on XX/XX/2019 for fraudulent use of my checking account with M & T for eight ( 8 ) XXXX transfers totaling {$4800.00}. I was told this morning by that the claim against my case was denied. 

To resolve this problem, I am requesting that M & T Bank Fraud division IMMEDIATELY RE-OPEN my case. 

I obtained a letter from my employers designated IT Company, XXXX XXXX XXXX  to confirm virus, malware, phishing attacks on my computer. This letter explains the virus that were present on my computer on the date that the transfers were made from my account WITHOUT my knowledge or consent. 

I need my bank to re-investigate this case and return my fraudulently taken funds of {$4800.00}.
Consumer complaint received 2023-02-04
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. (GA)

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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 2022-03-01
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. (IL)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Consumer complaint received 2022-03-01
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (FL)

I am filing a complaint against Midland Credit, as well as XXXX XXXX Bank. 
2018 XXXX XXXX Bank close my account due to no activity. The card was on automatic payments only. But because i did not charge anything in 60 days they closed my account without my knowledge. So therefore the account was not getting paid on. Then 120 days later show up on my credit report as 1100 dollar balance. I have disputer this account several times. Now midland credit has it and its XXXX dollars in dept. 

These companies are fraudulent in everyway. They hold your credit dept. over your head to see how much money then can accrue.
Consumer complaint received 2021-05-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION (NH)

BBVA bought the bank I had an account with, Simple Bank. As of yesterday they disabled the Simple Bank accounts and transitioned them to BBVA. 

Since then I have been unable to access my account. 

I have tried repeatedly to get in touch with them using their provided numbers, but their agents just keep pretending they cant hear callers, even though you can hear them pause and listen to what your saying. They then just hang up on you. 

Theyre doing this to multiple callers, as reported on XXXX XXXX
Consumer complaint received 2021-05-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION (NJ)

BBVA transitioned Simple Bank customers over to their online banking at XXXX on XXXXas of noon the following day XX/XX/21 the millions of us who have been trying to access our accounts can not do so because of their broken system. The call center they told us to call is pretending they cant hear us, laughing and cursing. I have no access to my money or accounts for two days now and that is totally unacceptable.
Consumer complaint received 2020-02-01
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (NC)

On XX/XX/2019, I opened a credit card with Lowe 's, serviced by Synchrony Bank. I have been paying that card on time, when all of a sudden, I got an e-mail from XXXX XXXX that my account was closed without notice. I complied with everything. Synchrony ruined my life and this is not the first time they do it.
Consumer complaint received 2019-03-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BBVA FINANCIAL CORPORATION (FL)

BBVA- Compass bank offered a secured credit card and i deposited XXXX into a savings account only making XXXX available to the card. However i kept the card for almost 2 years never missing a payment and then out of nowhere i tried to login to my account and discovered the card had been closed. Left on auto pay to still take payments from my bank without me being able to stop it and or charging me interest on a account i did not opt or receive notice that it was being closed or why with perfect payment history and its my money!!! long story short the account has been closed since last year i don't want this auto draft i just want a check of my money owed to me period point blank. The account has been closed without my notice send me my money and end this business because i never did business with anyone as such and still bill me and its secured by my funds. Doesn't make sense at all to do this. I want a refund of my available credit and close it out completely there has been no activity since last year because we bought our home so spending on cards were out. you can't charge me for a account i put money on and you all closed and still have it on auto pay and collecting interest what a scam!!!
Consumer complaint received 2022-03-01
Product: Credit card or prepaid 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 (NM)

In late XXXX, 2021, I tried to purchase {$820.00} tickets from XXXX XXXX using a newly opened PayPal account. After several days had passed and I hadnt received a reservation or confirmation code from XXXX so I contacted XXXX by phone. The XXXX representative said that they hadnt received the money from PayPal and would not give me the reservation until they did. I then contacted PayPal and their representative said they would not give the money to XXXX until they received the reservation from them. So I cancelled the order to PayPal and purchased the tickets directly from XXXX. When PayPal started billing me for this reservation by email, I contacted XXXX; but they said they couldnt help me since they dont deal with a third party credit company. PayPal is still billing me as of XX/XX/2021, for the {$820.00} plus late charges and interest even though Ive gone through the PayPal dispute resolution process, the dispute cases were closed, and I was given assurance of a zero balance in late XXXX by two different PayPal representatives in two different phone calls. I closed my account with PayPal in late XXXX.
Consumer complaint received 2018-10-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: First Technology Federal Credit Union (WA)

On XX/XX/2018, a fraudulent savings/checking account at First Tech Credit Union was opened in my name. On XX/XX/2018, I discovered this fraudulently opened account via a First Tech account statement that was mailed to my home. 

I had no knowledge of this account, I did not open the account nor did I authorize anyone to open the account in my name. 

On XX/XX/XXXX, I sent a letter via certified mail to First Tech 's Fraud  department in XXXX, Oregon. The letter stated that I had no knowledge of the account, that I did not open the account or authorize anyone to open the account and requested that First Tech take  immediate corrective action on this account. Further, I required that First Tech notify me in writing that corrective action was taken or that they notify me the reason ( s ) why corrective action could not be taken. 

The certified letter was picked up and signed for by a First Tech employee on XX/XX/2018. To date, I have not heard from First Tech regarding this matter. I called First Tech 's customer service XX/XX/2018 and discovered that the fraudulent account is still active and no actions have been taken by First Tech.
Consumer complaint received 2022-03-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

On XX/XX/2022, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) - reporting inquiries without my permission and 15 USC 1666 ( b ) - truth and lending act. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Consumer complaint received 2022-03-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (MI)

The Bureaus did not properly investigate my account with DISCOVERBANK XXXX because incorrect information is reported on this account. A lot of errors in terms of the remarks. The payment history is incomplete, too. No 120 days record was found prior to getting the account to be a charge-off. Moreover, the date of the last activity is not reflection on the payment history. The entire remarks for this account do not concur with each of the information.
Consumer complaint received 2019-06-03
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Halsted Financial Services, LLC. (HI)

XX/XX/XXXX called me at work-told them my employer does not allow personal calls XX/XX/XXXX called me at work-told them my employer does not allow personal calls XX/XX/XXXX received missed call at work from them XX/XX/XXXX called me at work told them my employer does not allow personal calls halsted financial
Consumer complaint received 2020-07-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I received an offer from BOA ( access checks ) to help reduce higher interest rates on Credit Credit Balances. I have used this program before along with many other banks and financial companies. 
The offer from BOA was for a 12 month 0 % interest rate with a 4 % transaction fee. In XX/XX/XXXXI deposited a check to myself in the amount of {$14000.00} with a {$560.00} transfer fee. 
Once the transaction was processed I proceeded to pay down other bills incurred with higher interest rates. I continued to make {$1000.00} payments to my account with BOA to reduce the balance and insure I would have paid off the {$14000.00} within the 12-month period. 
Sine I make these payments online it never occurred to me that I was incurring interest each month at a rate of 26.99 %. This threw us for a loop. I immediately called the 800 number to hopefully rectify the problem. They did not nor could not resolve the error. I went to my local branch for assistance. The representative was professional and polite however after contacting the corporate office they advised us that I could not deposit the funds to myself. I could not believe what I was hearing. I explained to them I did not see or read anywhere in the documentation with the offer that was the case. According to them I was exempt for depositing funds directly into my account.
Consumer complaint received 2017-09-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (FL)

American Express ( Amex ) mailed us a promotional offer to award XXXX points after we spent {$5000.00} in qualified purchases within 3 months of the account being opened. There were no conditions on us having had an account with them previously. 

To ensure, these were all the terms, we also called and spoke to a customer service representative " XXXX '' who confirmed the terms as written. 

Given this confirmation, we applied online and quickly received the cards and met the spending requirements within 3 months. 

One month after that and after verifying we had not received the additional points, we called and were told we did not qualify due to having had an account before.
Consumer complaint received 2021-05-09
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have reviewed a copy of my credit report and I show company XXXX account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.