davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: DISCOVER BANK (AL)

I accepted an offer from Discover last year for a promotional 6.99 % interest rate on balance transfers or new purchases. I read the fine print and agreed to the 12-month term of the offer, which stated if the balance of the transfer or purchase was not paid off within 12 months, the balance would be subject to my regular, higher interest rate. My plan was to make equal payments each month to pay off the promotional rate balance prior to its expiration. However, when the balance did not decrease at the rate I thought it should, I " discovered '' that Discover applies only the minimum payment to the lower interest rate balance. Anything above the minimum goes to the higher interest rate balance. 
This arrangement makes it impossible to pay off the lower-interest balance before the special rate expires unless I pay off the entire balance of the card ( not currently an option ). " XXXX '' in customer service tried to tell me that Discover is actually saving me money by putting my payment above the minimum due towards the higher interest balance. In fact, this does not save me money in the long run because the remaining balance will be subject to the higher rate at the end of the promotion term. 
Discover lowered my regular interest rate by 1.05 % in an attempt to appease me. I asked if they could raise my " minimum amount due '' so that I could pay down the special interest rate offer in a reasonable timeframe. They refused. 
This is a debt trap and very consumer unfriendly.
Consumer complaint received 2022-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 XXXX has me at a score around XXXX. That is a huge difference. XXXX 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 XXXX days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. 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 XXXX n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX 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 XXXX PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2021-11-10
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. (OH)

My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.
Consumer complaint received 2020-12-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

TRANSUNION AND XXXX IS STILL REPORTING INACCURATE INFORMATION ON MY CONSUMER REPORT WHICH IS A DIRECT VIOLATION OF THE FCRA. THIS IS MY 4TH TIME DISPUTING THIS ISSUE AND IT IS VERY OVERWHELMING. THE ACCOUNT NUMBER IS REPORTING TWO DIFFERENT NUMBERS AND ALSO THE DATE OPENED IS ALSO REPORTING XXXX SEPARATE DATES. I HAVE SENT IN PROOF AND THIS ACCOUNT NEEDS TO BE REMOVED IMMEDIATELY AND IT CAN NOT BE UPDATED BECAUSE IT IS ALREADY A VIOLATION.
Consumer complaint received 2019-06-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Bank of America took {XXXX} from my personal checking account and left me with only {XXXX} dollars in my account. My mortgage payment was scheduled to come out as well which caused my account to become overdrawn. My mortgage payment was returned and I have talked to over XXXX people at the bank and they still refuse to refund my money. I need to pay my mortgage payment.
Consumer complaint received 2021-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX bank and its history has been removed from 3 credit bureaus although it is and has been an active account for years with an excellent history and its removal has reduced my overall credit score.
Consumer complaint received 2022-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (TX)

XXXX XXXX submitting complaint without any influence from any third party or agency. Please see attached documents. I applied for several Credit cards with American Express both business and personal was denied all times. Credit report was pulled several times without benefits. My consumer rights were violated address all issue within 10 days of this notice.
Consumer complaint received 2020-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (MD)

XXXX XXXX requested that a PAID account be removed back in XXXX and XX/XX/2020 ; and the account still continues to sit on the account. When contacting Equifax to request assistance, they either hang up the phone or their representative lacks proper knowledge to complete the request. 

These disputes are legally to be resolved within 30 days, however it has been 60 days plus.
Consumer complaint received 2020-12-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (FL)

I contacted pnc on XX/XX/2020 regarding a few disputes that i filed. one for XXXX at XXXX  XXXX  the other XXXX XXXX that was 2 months ago for over {$300.00}. now i was told that my disputes are closed because previous paperwork was mailed out from this bank regarding more information. Which i never received. I am about 2 mins from closing my account out with this bank if they dont give me back my XXXX money. Its no more information that this bank needs for a claim because i have sent them everything. The next is to go to the news and expose this fraudulent bank. Ive been with pnc for 2 years and this is how they treat their customers no way.
Consumer complaint received 2020-12-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have been sending letters to XXXX to validate a debt XXXX XXXX XXXX is claiming that is mine. I have went through an Administrative Process with XXXX XXXX XXXX to see if they can bring forth original, signed documentation, but they have not done so. So, I do not know how XXXX is able to 'verify ' anything with original documentation. I am nervous that they are using the XXXX system to verify the claim, and I did not consent to that at all.
Consumer complaint received 2022-10-20
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

This letter is to notify you if you do not BLOCK OR REMOVE the listed accounts on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00}, XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00}
Consumer complaint received 2023-03-18
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: Bread Financial Holdings, Inc. (UNITED STATES MINOR OUTLYING ISLANDS)

Hello, On XX/XX/XXXX I opened a Comenity/XXXX  Credit Card I made a charge in XX/XX/XXXX and paid it off in full in XXXX and closed my account for good measure. 

This company has constantly hit me with delinquent payments and tanked my credit score by 100 points. 
XX/XX/XXXX - {$100.00} delinquent payment XX/XX/XXXX - {$140.00} delinquent payment Despite me calling them multiple times and asking them why I have these charges, they told me specifically that my account was closed. 

My credit score has been affected by 100 points - I can no longer apply for apartments with peace of mind. It's absolutely ridiculous.
Consumer complaint received 2020-12-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (FL)

I am a victim of identity fraud involving XXXX XXXX XXXX. An unknown person used me to purchase auto insurance. I do not own a car nor do I have a drivers license. I received three bills from XXXX. I called and each time I was told by their representatives that they were sorry for the inconvenience and not to worry about it. On XX/XX/XXXX I received a notice from Credit Collection Services over same debt un-owed by me. 
Thank you
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-07-17
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

Re : Dispute ofXX/XX/XXXXXXXX Account # XXXX on Credit Report I am writing this letter to dispute the information you have reported in my consumer file relating to the aforementioned XX/XX/XXXXXXXX account. I have recently reviewed my credit report and found this account negatively reported, which I believe to be in error due to it being past the statute of limitations for reporting under Georgia law. 

According to my records, the last day of activity on this account was on XX/XX/XXXX as reported by XXXX, while Equifax reports no data concerning this. As per Georgia 's law, the statute of limitations for reporting a debt is generally six years. Thus, this information should no longer be appearing on my credit report as of XX/XX/XXXX.
Consumer complaint received 2020-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc. (CA)

I have a mortgage loan with NATIONSTAR/MR COOPER, and I have always made my payments on time. I'm trying to refinance my mortgage to another company and now being told that my payments show as 30-90 days late. I realized that there were late payments on my credit report for XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. I called NATIONSTAR/MR COOPER multiple times this year to correct payment errors. MR COOPER was not applying payments correctly to mortgage payment. Payments were being sent from my bank account and MR COOPER would hold these payments in a " unapplied funds '' accounts. As a result, MR COOPER was reporting my payments late and incurring late charges. In XX/XX/XXXX I contacted MR COOPER to correct these errors. They did eventually reversal all late charges and apply money correctly but never updated credit report to reflect as " on time ''. I tried contacting MR COOPER with no successful resolution. There was an error on their part. I was never 30+ days late.
Consumer complaint received 2023-07-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I was approved for a new Venture credit card from Capital One on XX/XX/2023. The physical card was shipped to me on XX/XX/XXXX, XXXX was no tracking link provided for this. I waited to receive the card, but in the meantime I was able to use the credit card via a Virtual credit card number provided to me within the CapitalOne mobile app. On XX/XX/2023 I noticed in my app that my physical card showed as activated. I immediately went to recheck my mailbox and the surrounding area but not see any card. I also noticed a suspicious transaction of {$280.00} on my account to the merchant : XXXX XXXX  XXXX XXXX ( Capital One customer service informed me that this was an ATM transaction - cash advance - and XXXX XXXX  shows this location in XXXX XXXX, CA ). I was worried and proceeded to call the Capital One customer service line at XXXX on XX/XX/2023 to report the missing card and fraudulent transaction. The customer service representative told me that the transaction was done at an ATM at XXXX Pacific Time and that my card was activated via their IVR service. The card was blocked but Capital One has denied my fraud claim and I have lost the transaction amount plus interest and a cash advance fee as a result. 

I have since called Capital One several times to get support on this issue and have spent easily over 1-1.5 hours on the call with their team. I have been unable to appeal my decision or get any insight into - what phone number was used to activate my card- and how they came to their decision in my case. Their customer service team has been the height of unprofessionalism in all my engagements with credit card companies. They keep transferring me from person to person and no one takes responsibility to provide support in my case.

I have reported my case with the FTC but am at a loss on how to get my money back from this situation. I also maintain an HYSA account with Capital One, and have a strong credit report but they seem to not value that in their determination at all. 

1. They did not provide a tracking link for their physical card delivery 2. They allowed a third party using a phone number unrelated to my account, to activate my credit card 3. I have claimed responsibility for all other ( much larger ) transactions on the card, made with the virtual card number- and have only pointed out the cash advance which was done fraudulently and is a type of transaction I was not even aware of 4. They have caused me stress, mental strain and wasted hours of my time without providing adequate service and details on this issue, and refusing to even let me appeal it. I am on hold since 20+ minutes right now and no support.
Consumer complaint received 2019-06-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BB&T CORPORATION (VA)

I PAID A COMPANY CALLED XXXX XXXX ON XX/XX/2016 {$1600.00} USING MY CHECKING ACCOUNT. THIS COMPANY TOOK ADVANTAGE OF ME. THEY DID NOTHING AT ALL FOR ME. I TRIED TO FILE A FRAUD WITH MY BANK AND IT WAS DENIED. THE COMPANY WON'T RESPOND TO ME OR ANYTHING.
Consumer complaint received 2023-03-18
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: LEXISNEXIS (NJ)

I recently complained about LexisNexis reporting to XXXX a bankruptcy on my credit report. LexisNexis advised to me on XX/XX/XXXX that the bankruptcy was removed from their system and that they stopped reporting to XXXX. On XX/XX/XXXX LexisNexis advised on their website that they stopped reporting to XXXX in regard to bankruptcies. LexisNexis responded to me that they have to authenticate my identity when they have already done so and sent me a letter explaining that the information was removed. I have enclosed documents for reference. XXXX needs to delete the bankruptcy off of my credit report.
Consumer complaint received 2019-06-28
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Douglas, Chancellor, Meyers and Associates, LLC (IL)

In XXXX I took out two payday loans with XXXX Loans. At some point I defaulted on the loans and XXXX garnished my wages to fulfill the remaining balance of the loans. I received my original contracts back from XXXX stamped paid in full. On XX/XX/XXXX Douglas Chancellor Meyers, a debt collection company, listed a new item on my credit report for {$140.00} with the original creditor listed as XXXX loans. I called XXXX and they stated that all of my loans were paid in full and I needed to contact Douglas Chancellor Meyers to have the item removed. As of XX/XX/XXXX, I have never received a phone call or letter notifying me of this debt or my ability to dispute it. On XX/XX/XXXX I sent a certified letter to Douglas Chancellor Meyers disputing this debt, and requesting proof of the debt owed. As of today, XX/XX/XXXX, I have not received an acknowledgement of receipt of the letter, nor the documentation requested. Meanwhile the debt is continuing to be reported to the credit bureau with the last reporting on XX/XX/XXXX. This is lowering my credit score, and for a debt I do not owe.
Consumer complaint received 2023-03-18
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: Resurgent Capital Services L.P. (MO)

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 states a consumer reporting agency can not furnish without my written instructions 15 U.S.C 1692C without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 15 U.S. Code 1692g - Validation of debts ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. 

XXXX XXXX XXXX Lvnv Funding llc
Consumer complaint received 2023-07-17
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I am writing to request a correction of the following information that appears on my XXXX, XXXX, XXXX consumer report. I don't recognize one or more of the accounts on my report.