davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I paid off my student loans in XX/XX/2022, and in XX/XX/2022. I received a letter from XXXX XXXX stating that all my loans were forgiven.. However XXXX has put that exact amount of {$22000.00} on my credit report when it was paid off and my loans were forgiven last year and then now they have it on my credit report and Trans Union also is showing that I owe {$22000.00} however this is incorrect. XXXX state that I have a XXXX balance. However, they reported me having the balance of above which is absolutely incorrect. I owe them nothing. They stated I owe them nothing I want it removed from my Trans Union credit report. This is hindering me from getting a loan and its absolutely not fair that I have paid these loans off. I had them removed in XXXX through all three credit bureaus and then this student loan company sends in false information and now its back on there. I want it removed.
Consumer complaint received 2019-05-07
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. (UT)

I disputed XXXX XXXX XXXX XXXX reports on my records because it was a duplicate. There is 2 of the same thing. The XXXX XXXX XXXX XXXX which was opened in 2014, and was a charge off and closed when I had a credit person help me with my credit. She asked me why there was 2 and I didnt know there was until I looked, I explained this in my dispute. The first one said it was a joint account which was not correct information, so Experian updated it and turned it into an account that was updated and now negative, and yet still there was 2 XXXX XXXX XXXX XXXX on there even when I told them the info wasnt correct and that there was 2 accounts, and there should only be 1. So I Tried it again, and I tried to explain to them that there was 2 accounts and that the XXXX XXXX XXXX XXXX was included into a bankruptcy that was dismissed, which the bankruptcy was also on my credit report, so why was there still a duplicate XXXX XXXX XXXX XXXX, as well as the bankruptcy? So I got an answer back, saying updated, but this time, they updated a XXXX  XXXX XXXX credit card, which is not what I asked them to do. And is not what I was disputing. 
So now I have 3 accounts that have new dates of being updated, 2 of them are negative and 44 points that were dropped from credit report. 
This makes no sense to me. 
If an account is closed, why is there a duplicate of it? And if it was put in a bankruptcy why is it on a credit report in addition? And when disputing something, they are not disputing the correct account? 
The disputing agency was Experian.
Consumer complaint received 2021-09-16
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. (IL)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX  you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2018-09-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (FL)

I noticed that the bank took money out of one of my accounts to pay abillthe problem they took it out. Of the wrong account, which caused an overdraft and then they charged my {$34.00} as a fee. I immediately contacted the bank and was told they could not transfer the money even though they made a mistake. I am demanding that Chase fix THEIR mistake.
Consumer complaint received 2018-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I had a loan for a XXXX XXXX that was financed by Capital One Auto Finance it was opened on XX/XX/XXXX and was closed due to it being totaled on XX/XX/XXXX due to a serious car accident. Capital One was made aware of the car being total and provided all information related to the insurance payoff that would be made to them due to their lien on the vehicle. The insurance company sent me a certified letter showing that they had paid the Capital One - however, Capital One shows that I was past due on the account which is untrue and false.
Consumer complaint received 2022-07-10
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: SYNCHRONY FINANCIAL (TX)

This is a report about a XXXX XXXX that I was approved for on XX/XX/2022. To date ( XX/XX/2022 ) I haven't even received the card yet but I got an email what looks like a message from XXXX, " Thanking me for my XXXX purchase with this credit card '' and it hasn't even been used yet. It wanted me to click a link to make sure I received my rewards.whic I DIDN'T do. 
None of your pre-screening data had this as a choice but after speaking to an XXXX agent he said I needed to report/forward the message to XXXX and your site. I quit using credit cards over 25 years ago but needed one to help drop the price of my truck insurance where they use credit scores to adjust your rates now. That makes no since to me but I want get into that here. 
I get alerts all the time about how someone stole a bunch of personal contact info and they want me to change my password. Millions of peoples persons had there information stole from a company and they want me to change my password? Sounds like a little work on their end needs work. It's never bothered me because nothing I have is worth stealing until now, when I have a credit card..
Consumer complaint received 2022-03-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

It is a credit card from Bank of America account no : XXXX. I tried calling Bank of America Credit Card unit, Fraud unit, closed account, charge off and there is no such credit card with my social security number. This is affecting my credit report and I am unable to refinance my house. I attempted to call various departments with Bank of America and have not had any luck resolving this issue.
Consumer complaint received 2022-03-08
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. (TX)

I sent in DISPUTE letters to the credit reporting agencies on XX/XX/2022, and a DEMAND TO COMPLY LETTER ( certified ) on the XXXX of XXXX, XXXX. It is now XX/XX/2022 AND they have not complied with their own policies in a timely manner.
Consumer complaint received 2018-08-24
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/18 {$4900.00} was taken out of my Wells Fargo Money Market Savings Acct to pay XXXX XXXX  TX as a Web Payment. On XX/XX/18 {$780.00} was taken out of my Money Market Savings Acct to pay XXXX XXXX XXXX   as a Chg. Pymt. On XX/XX/18 I notified the Wells Fargo Fraud dept. that these withdrawals were not initiated by me. I also went to notify my local branch in person regarding the fraud. Then on XX/XX/18 {$2700.00} was transferred online from my Savings account into my Checking acct. Also on XX/XX/18 {$6000.00} was transferred online from my Money Market Savings acct into my Checking acct. I again called Wells Fargo Fraud dept. to notify them these transfers were not initiated by me. I additionally went in to my local branch office and notified them. The Fraud dept. decided at this point to close all my accts and issue all new accts for my Checking acct and both Savings accts as well as my children 's Savings accts. They then stated there would be stops and holds placed on my accts! They stated there would be a 90 day grace period window for things to clear from my old checking acct? Then on XX/XX/18 {$9600.00} was withdrawn from my brand new Checking acct. to make a Bill pay to XXXX  Card Services?
Consumer complaint received 2017-06-15
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (NJ)

I tried on numerous occasions to try  to set up a forbearance account with Fay Servicing and I even tried to do a loan modification with Fay Servicing, but  I was consistently given the round around. Even on  XXXX   XXXX ,  XXXX , I submitted my application to them and I was consistently given the round around by the accou nt manager. Time after time, I emailed the account manager giving them the required documents e ven though I did that in my first application with them, but they wanted more and more documents that were even the required documents. They were delaying time because even time I sent them more and more information they said it took time to process. I had to constantly send in documents and I was on the phone many times and still did n't receive a positive outcome. I did n't even receive an outcome of whether I was going to receive a loan modification or a forbearance. I was hung out in limbo. I did n't even know that the account was switched to them because I had another loan servicing company by  XXXX   XXXX   XXXX  that I was working with from  XXXX   XXXX  to  XXXX   XXXX , but even with them there was no result. No w Fay Servicing  has me dealing with the Foreclosure program in  XXXX , NJ due to them not working with me. I have a feeling that the intention o f Fay Servicing was for them to not work with me and make an attempt for me to lose my house.
Consumer complaint received 2018-08-23
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I requested for my Kohls account to be closed in XXXX and paid off the account. Since the account has been paid and closed, Kohls continue to add additional fees to the account through XXXX. The account went from being paid off to {$110.00} in fees added to the account. Nothing has been charged to the account. I do not owe these fees. Kohls should not be able to take advantage of consumers like that. Kohl has sent this account to credit bureau and caused my credit score to drop 35 points.
Consumer complaint received 2017-06-15
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY (AZ)

X - XX -17     STATEMENT Ive been disputing with  American Express for a while now and really feel disgusted with American Express treating me poorly, handling my account carelessly, and convicting me for something I didnt do, and continously victimizing me over and over again. Ive been with American Express for 5 years and never filed any claims or had a problem till now. How dare I even try to resolve my dispute regarding unauthorized transactions I didnt do. American Express stole my money and falsely   advertise how they protect account holders with the best fraud detection technology, but instead victimized their account holders by accusing them of authorizing transactions, refusing to provide documentation, refunding money, refusing to send documentation on their findings, and think they will get away with it by hanging up on customers, making them hold on call for a while, refusing you to talk to their supervisor, and locking you out of your account during claim process.  <P/> From   XX/XX/XXXX  to  XX/XX/XXXX  was  the total time  American ex press investigated over  XXXX  transactions. How is that possible? Ive requested doumentation and videos by phone and writing from  American Express to s end and prove that I did transactions, and they always were rude to me and refused to send documentation.  <P/> I contacted many account representatives and they would not return my calls, also sent me an email saying they called but really did n't and gave me a number that doesnt even have a way to return call or leave a message.   Ive contacted numerous account representatives at  American Express and they all    sent me an email with a copy of the only denial letter Ive received. Not one account representative contacted me and they all blew me off by sending exact denial letter. Unacceptable behavior, mocking me, treating me like a criminal, and playing games with my account. These are unprofessional, low class, ignorant, greedy people who represent American Express. Im sure I am not the only one who has been disrespected to the fullest.
<P/>
Just because I filed a claim, they immediately locked me out of my account. American Express assumed on the phone, when I didnt have a police report at the time, but i did submit one the next day, they maliciously made sure to tell me that I was lying. As you can see American Expres   s chan ged all the transaction dat es to  XX/XX/XXXX  when in  fact, when I talked to a representative he read me out all different transaction dates.  <P/> Th ey never sent me anything by mail in regards to claim. No bank statements either when Ive asked for them since American Express locked me out. Ever since Ive filed a claim, they made it impossible for me to see my bank statements. The only way I knew something was wrong with my account was being told by one representative the correct dates and transaction amounts.
Consumer complaint received 2017-06-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

Dear Investigator, I made a payment to pay-off the full amount due on my account for over {$10000.00} in  XXXX   2017 . It was indeed deducted from my checking account and it seems the account was closed by the credit card company without notifying me the card holder. This is a poin t I ( Dispute ) ho w the unprofessional behavior of this credit card firm is causing me serious concerns. It seems they claim it has not been paid up to date. I wrote them a official letter requesting a full detailed summary of their actions. Never have gotten a response to the letter.
Consumer complaint received 2017-06-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Harvard Collections, LLC (IL)

I was on payment plan with  XXXX  for overpayment of benefits that i was paying $   XXXX   month for  $ 700+  overpayment. I received a credit alert th at Harvard Collection ag ency was reporting this debt as collection item in  XXXX .  XXXX  has con tinue to accept payments under the agreement we had. I do n't have a debt with Harvard Collection and they have caused my credit to suffer significantly by reporting this derogatory account.
Consumer complaint received 2017-06-15
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Capital One said they have closed all accounts due to a business decision. However, if this the case how was the investment account not closed? I had to go through several means to get the investment account closed. Capital One explained why they could not send a postal confirmation. Just wanted clarification in regards to this matter.
Consumer complaint received 2021-06-07
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: AMERICAN EXPRESS COMPANY (NJ)

XXXX is refusing to refund for concert tickets I purchased in XX/XX/2020, and has held my money XXXX interest free. It was a total of XXXX XXXX I wanted it put back on my American Express card on file IMMEDIATELY. I am tried of wait,. They have no customer service, email support has ignore me multiple times, with the latest email I sent 2 weeks ago no response,
Consumer complaint received 2017-06-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc. (GA)

This leasing company returned my security deposit after i completed my lease and moved out. Then over 2 years later this debt appeared on my credit report. They did not send me anything to give me a chance to dispute before placing on my credit report. I have contacted company several times and asked them to send me validation of debt and was told they did n't have to validate anything to me and just to pay them.
Consumer complaint received 2017-06-15
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: CITIBANK, N.A. (CA)

Thank you for reviewing my complaint.     Today, I attempted to make a {$40.00} purchase with m y Citi Simplicity c redit card. Before doing so, I checked my account onlin e. Citi 's  website advised me I had {$180.00} of available funds, as shown in one of the attached screenshots  ( " Citibank Available Credit Display '' ).   <P/> Citi 's website also presented a screen informing me that my account payment was past due ( see the screenshot "  Citibank  Account  Past Due Display '' ). Citi re quested a {$40.00} payment. ( It is coincidence that both my intended purchase and Citi 's requested payment were {$40.00}. ) Strangely, though, the website advised me that the payment would be due   XXXX   XXXX   -- nearly a month from today.  <P/> Critically, neither the past-due page nor the account information page made any indication that I would need to pay the past-due amount in order to access my {$180.00} of available credit. However, when I attempted to make my {$40.00} purchase, my card was declined. I called Citi. A representative explained that, because my account was past-due, I would need to make a payment before accessing my available credit. The representative said that my past-due amount was, in fact, {$20.00}, with the additional {$20.00} due   XXXX   XXXX    <P/> I have two specific complaints : First, and more importantly, if Citi reports to a client that he or she has a certain amount of credit available, the bank should not simultaneously block the client from accessing that credit. To report a certain amount of available credit but block access for reasons other than suspected fraud is misleading and could leave clients without access to funds they reasonably expected they could use. At the very least,  Citi  should make abundantly clear, up front, that it will deny access to available credit until a required payment has been received.  <P/> Second, Citibank should make clear exactly how much payment is required to satisfy a past-due balance. A reasonable reading of my account information page suggests I owe {$40.00} on   XXXX   XXXX  , with no indication of how much, if any, is actually past due. This engenders confusion : I might either conclude no amount was actually due already, given the listed   XXXX   XXXX   due date, or I might mistakenly believe I am {$40.00} past due ( in fact, my overdue payment was {$20.00} ) and thus pay more than necessary. Were the listed due payment much greater, I might needlessly put myself in financial hardship to pay what wrongly appears to be a past-due amount.  <P/> Thank you again for reviewing this complaint. I appreciate your consideration.
Consumer complaint received 2019-05-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (LA)

I have requested validation, made pursuant to the Fair Debt Collection Practices Act. FDCPA XXXX07 [ 15 USC 1962e ] several times from Portfolio Recovery Associates. Please note that I requested " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay Portfolio Recovery Associates. 

Portfolio Recovery Associates has violated the Fair Debt Collection Practices Act FDCPA 807 [ 15 USC 1962e ] ; by placing multiple negative marks on my credit reports ( including XXXX, XXXX, and XXXX ) from their company or any company they may represent. 

Since Portfolio Recovery can not validate the debt, I am requesting that all credit reporting agencies delete the entry. 

Given the urgency of this matter, I will also be filing a formal grievance with XXXX XXXX XXXX XXXX XXXX XXXX, as well as the States Attorneys office of Louisiana. I will continue to explore every avenue of this matter until resolved.
Consumer complaint received 2018-09-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am disputing with Trans Union the following Unauthorized / Unknown collection account that showed up on my credit report. I am a previous victim of identity theft and already have an extended fraud alert placed on my Trans Union Credit report so there should be no excuse as to why this collection account unknowingly hit my report without my consent of proving the account belongs to me. This account reporting to my credit report go against the Fair Credit Reporting Act and is affecting my ability to hold a job and get approved for a home mortage. I have also reached out to the collection agency and have attached a filed Identify Theft Police Report to this compliant in order to get this issue resolved in a timely fashion. Below are the reporting Inquiries that should be Removed / Deleted from my Trans Union credit report. Should you need any additional information please let me know. 

Reporting Collection Account : 1 ) XXXX   Account # : XXXX Unknown Date Opened : XX/XX/XXXX Unknown Terms : 011 Months Unknown Account Status : Open Unknown Payment Status : Late Unknown Balance : {$2800.00} Trans Union Attn : IDENTITY THEFT DEPARTMENT XXXX. XXXX # XXXX XXXX, PA. XXXX
Consumer complaint received 2018-09-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (VA)

I overpaid them in the amount of {$71.00} and they acknowledged that. But each time I called they gave me the same answer that they are waiting from who ever handled the investigation and I will be notified this was going since XX/XX/2018. Thanks