davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-24
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Nevada Credico, Inc. (NV)

Received a letter saying I owe this company over XXXX dollars. They have threatened me with a lawsuit, garnishment of wages, and seizing of personal property. I have no knowledge of the basis for this and they are using intimidating tactics to threaten my finances. This seems like a predatory scam because I am a XXXX veteran and they somehow got my information.
Consumer complaint received 2022-10-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc. (IL)

The customer service reps continue to hang up on me for no apparent reason. Every time I contact them a different rep gives me different & incorrect information. They keep creating excuses as to why my Refund timeline keeps getting pushed back.

They claim that they do not have all of the information regarding my loan from the Department of Education. When I called the Education Department they said that Aidvantage should already have all of my loan information. 

Advantage is intentionally causing delay for student loan refunds.
Consumer complaint received 2019-09-24
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Navient Solutions, LLC. (CA)

The department of education sent me a notice on XX/XX/19 that my wages will be garnished because I didn't respond to a letter I never received. I called them and was forwarded to the collection agency Pioneer Credit who was too busy to help me today and might take 3 days to call back. I already can't pay my bills I can't have money taken out of my checks or I'll be homeless.
Consumer complaint received 2018-03-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BB&T CORPORATION (NC)

I have a BB & T Money Account and utilize this account to pay my bills. This account does not go into overdrafts and you are unable to utilize funds that are not in the account. On XX/XX/2018, I check my account balance and I had a balance of {$200.00} plus change. I utilized my card to make a XXXXXXXX XXXX   purchase for {$19.00} on that day which posted on XX/XX/2018. I additionally performed another transaction for {$180.00} by visiting a BB & T banking center location and making an ATM withdrawal. On Thursday, XX/XX/2018, I checked my account and there was an overdrawn balance of {$190.00} and some change. How is that possible when there are no overdraft fees or the possibility of overdrawing on this type of account so how am I able to utilize funds that are not there. With this card, you can't even purchase gas at gas pump to avoid overdrawn balances. I reviewed my account and there were no unknown credits or deposits credited to my account. I reached out to the BB & T and inquired as to why I was overdrawn. They basically repeated my account activity but could not answer as to how I would be over to overdraw this account if the funds were not there. As I previously explained, I had an available balance of {$200.00} when I checked my account. BB & T couldn't answer as to why and submitted a problem resolution ticket. Every time I reach out to them for the resolution of this matter, I am only told that it is in review and they do not have an answer as of yet. Due to this bank error, I have experienced financial hardship and I feel as if they are not addressing my concerns because when my employer 's direct deposit credited my account on XX/XX/2018, it was {$190.00} preventing me from paying my entire rent which would have been possible if my account was not overdrawn when it credited my account. This is unjust and completely some type of error by BB & T which they are unethically failing to accept as their fault. This situation occurred soon after the big national news of their system failure that affected me as well. When that incident occurred, I didn't receive my payroll direct deposit for 2 days after the scheduled date.
Consumer complaint received 2021-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital One is in violation of the Fair Credit Reporting Act. Which is section 603 ( 2 ) Exclusions. A consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. ( the person citing Capital One ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. 

That is two violations. I can cite more but I hope Capital One understands that they violated my rights and is a defamation of character because it is a violation of my right to privacy as well. I will attach the direct verbiage from the fair credit reporting act. I can also seek compensation up to {$1000.00} for each violation under the fair credit reporting act alongside the FDCPA.
Consumer complaint received 2019-09-24
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: ENCORE CAPITAL GROUP INC. (MD)

This is a debt I have disputed for multiple reason : No notice of court, letter sent to my current location was already a levy letter that I was put through without me even knowing the debt I disputed indicating this is not my debt, requested documentation that I asked to verify proof of this debt which never received just a letter in XXXX saying settle for a set amount which is when I contacted by mail MIDLAND FUNDING LLC, requesting the attached information. I attempted to fax the documentation letter again on the XXXX of XXXX after I received the letter on the XXXX of XXXX, XXXX, which returned busy. They are saying the card is a XXXX card which on the letter attached I previous explained that and once again will be sending it out again.
Consumer complaint received 2022-03-30
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (TN)

I applied for a store credit card in XX/XX/2021 at XXXX 's department store in XXXX, TN. My credit application was approved. 

I never received a credit card nor have I received a statement. I have never made any charges on the account since I never received a card. 

I have been notified that a payment on my account is more than 30 days past due and the non-payment has been reported to XXXX. The charges on the account are obviously fraudulent, since I did not make them. Please correct this mistake and remove the negative report from my account. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2019-09-24
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Conn's, Inc. (TX)

I have notified cons to stop calling my place of work twice. I legally cam not speak on our recorded line regarding debt collection and I notified the representative to stop calling my place of work. This notification was on Friday XX/XX/20. Since then, I have received 5 calls from them at work. 3 of the calls were made to me on monday. So they not only wont stop calling ... but they're calling more than once in a day.
Consumer complaint received 2023-01-31
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. (FL)

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway
Consumer complaint received 2019-05-02
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

My designated point of contact for my Wells Fargo mortgage assistance application has left the department on or about on XX/XX/19 and I was told a replacement agent would be in contact with me. No one from the bank has contacted me and as of XX/XX/19 and no agent has been assigned to my case. This is a clear violation of the California Homeowner 's Bill of Roghts. In addition the previous agent, XXXX XXXX, sent a letter dated XX/XX/19 stating that my appeal information had been received when in fact I hadn't submitted an appeal request, but would do so prior to the XX/XX/19 deadline.
Consumer complaint received 2019-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

On XXXX XXXX after an ad online for " XXXX XXXX XXXX   XXXX offered free credit reports, I gave them all my personal information, including SSN and credit card, assuming it would only be charged if I wanted a membership. But I didn't sign up knowingly for a membership. Or is the charge taken out of my bank account from Transunion? Either way I never received a letter of transaction from the company except from my bank account. The amount taken out was {$19.00}. 
I did write to the customer service and asked for a refund due to " free ' not being free. 
They have not contacted me as yet.
Consumer complaint received 2019-09-24
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: DISCOVER BANK (PA)

I was notified that there were two past due {$15.00} charges on my Discover Card. I haven't used that card since XX/XX/2017. 

I tried to login to the Discover website and learned that my account had been compromised, and my login information and phone number had been changed. 

I reported the fraud to Discover and they issued me a new card, but as of yet they have not removed the fraudulent charges. This shows up as past due on my credit and it has brought my score down by 70 points. 

I have tried resolving this 4 times over the past two weeks. They shuffle me to different people each time, but no one has removed the charges as of yet. Just now I called again and was told that their supervisor was in a meeting and may call me back later today. If not, I should try again in a few days. 

Discover isn't doing anything to resolve this issue of fraud and I'm frustrated with the back-and-forth nature of being passed around during phone calls. They already established that someone fraudulently accessed my account. It shouldn't be this complicated or time consuming to get the charges removed.
Consumer complaint received 2019-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (CO)

I spent hours on the phone with all 3 bureaus today and that gets you no where. All 3 bureaus are intentionally withholding or suppressing information from my credit file on purpose to keep my score from going up. They MUST BE STOPPED. 

My cousin in Florida added me to his XXXX account as an AUTHORIZED USER and here is the proof that the bureaus are lying. I have a credit monitoring service and last week and over the weekend I got an alert that a new address had been added to my file which is my cousins address and the address on his credit card. The bureaus each told me today that XXXX had not reported anything to them, but they are liars because if that were the case then the address would not have been reported. 

The bureaus are refusing to report a perfectly good tradeline to my credit file because they are intentionally trying to hold my credit score down or they are XXXX off that I have warned them that I will file complaints on a weekly basis to hold them accountable for the laws that they are breaking. There evil, law breaking ways need to be corrected. They need to be investigated and fine heavily for what they are doing. 

My cousin and I just called XXXX and they provided me 100 % proof that they have reported the tradeline to all 3 bureaus but the bureaus are refusing to report it. I want them fined and I want that trade line posted immediately.
Consumer complaint received 2019-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (CO)

I spent hours on the phone with all 3 bureaus today and that gets you no where. All 3 bureaus are intentionally withholding or suppressing information from my credit file on purpose to keep my score from going up. They MUST BE STOPPED. 

My cousin in Florida added me to his XXXX account as an AUTHORIZED USER and here is the proof that the bureaus are lying. I have a credit monitoring service and last week and over the weekend I got an alert that a new address had been added to my file which is my cousins address and the address on his credit card. The bureaus each told me today that XXXX had not reported anything to them, but they are liars because if that were the case then the address would not have been reported. 

The bureaus are refusing to report a perfectly good tradeline to my credit file because they are intentionally trying to hold my credit score down or they are XXXX off that I have warned them that I will file complaints on a weekly basis to hold them accountable for the laws that they are breaking. There evil, law breaking ways need to be corrected. They need to be investigated and fine heavily for what they are doing. 

My cousin and I just called XXXX and they provided me 100 % proof that they have reported the tradeline to all 3 bureaus but the bureaus are refusing to report it. I want them fined and I want that trade line posted immediately.
Consumer complaint received 2019-09-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Waypoint Resource Group, LLC (CA)

The last time I had cable was back in early XXXX and to be honestly I remember sending last payment and returning equipment. Opened date shows as " XX/XX/XXXX '' when even if it defaulted the date should show sometime in early XXXX. I have disputed and asked for proof but they came back and stated " meets FCRA requirements '' with no proof. I'm not sure if this was a result of some type of identity theft or what?
Consumer complaint received 2019-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (CA)

My compliant is against XXXX Account # XXXX, open XX/XX/2015, status closed and paid, {$0.00} balance. Back on the XXXX of XXXX I sent a letter to the mention company that the account had fraud charges and had to be removed as required by the Fair Credit Reporting Act. This company not even took the decency of marking or investigating my account once they received my dispute letter. They did not only disregard my letter but also a Federal Trade Commission Report that was included with the letter. I want my financial freedom back and if this company does not remove fraud related account from all 3 credit bureaus and provides me with deletion letter trough CFPB, I will take this case to court and let the judge decide this dispute. This is unfair business practices, negligence, and the list of violations can go on once I seat down with my lawyers. So Im using the CFPB as my last resource for the mentioned company to remove account from all 3 reports. Im attaching the letter I sent to them, the FTC report sent to them and also proof of fax that receive the documents. Thank you!
Consumer complaint received 2019-05-02
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: NATIONWIDE ACCEPTANCE LLC (IN)

My identity was compromised between XXXX ant XXXX. During this time several inquiries were made on my XXXX report. I demand that these items be removed immediately. 

XXXX XXXX XXXX NATIONWIDE CASSEL LLC   XXXX
Consumer complaint received 2019-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

My compliant is against XXXX/XXXX account # XXXX, date open XX/XX/2014, status closed and paid, {$0.00} balance. Back on the XXXX of XXXX I sent a letter to the mention company that the account had fraud charges and had to be removed as required by the Fair Credit Reporting Act. This company not even took the decency of marking or investigating my account once they received my dispute letter. They did not only disregard my letter but also a Federal Trade Commission Report that was included with the letter. I want my financial freedom back and if this company does not remove fraud related account from all 3 credit bureaus and provides me with deletion letter trough CFPB, I will take this case to court and let the judge decide this dispute. This is unfair business practices, negligence, and the list of violations can go on once I seat down with my lawyers. So Im using the CFPB as my last resource for the mentioned company to remove account from all 3 reports. Im attaching the letter I sent to them, the FTC report sent to them and also proof of fax that receive the documents. Thank you!
Consumer complaint received 2019-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I spent hours on the phone with all 3 bureaus today and that gets you no where. All 3 bureaus are intentionally withholding or suppressing information from my credit file on purpose to keep my score from going up. They MUST BE STOPPED. 

My cousin in Florida added me to his XXXX account as an AUTHORIZED USER and here is the proof that the bureaus are lying. I have a credit monitoring service and last week and over the weekend I got an alert that a new address had been added to my file which is my cousins address and the address on his credit card. The bureaus each told me today that XXXX had not reported anything to them, but they are liars because if that were the case then the address would not have been reported. 

The bureaus are refusing to report a perfectly good tradeline to my credit file because they are intentionally trying to hold my credit score down or they are XXXX off that I have warned them that I will file complaints on a weekly basis to hold them accountable for the laws that they are breaking. There evil, law breaking ways need to be corrected. They need to be investigated and fine heavily for what they are doing. 

My cousin and I just called XXXX and they provided me 100 % proof that they have reported the tradeline to all 3 bureaus but the bureaus are refusing to report it. I want them fined and I want that trade line posted immediately.
Consumer complaint received 2019-09-24
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 (TX)

On XX/XX/XXXX of this year I received a letter from Capital One informing me that my Venture One credit card account was to be closed. The reason cited was lack of use of the card. Prior to this I had received no notification from Capital One that my lack of use of the card was a problem and that they were contemplating closing the account. The letter I got in XXXX said that my account was now 'suspended ', and effective immediately i would no longer be able to use that card in any way. It went on to advise me the card would be formally 'closed ' in XXXX. The miles/points i had accrued on the card were sizable. However, the primary way to redeem the miles/points was to use the card for travel related purchases and then the miles would be used to pay off those purchases. The problem is that as they had suspended that card without any notice i actually couldn't redeem the miles/points in the normal and most advantageous way. Capital One told me in the letter that I could redeem my points/miles via a secondary mechanism by trading them in for 'gift cards '. The problem with that is that the value of the points/miles is effectively halved by cashing them in this way vs. purchasing travel related items on the credit card. I have called Capital One numerous times asking them to un-suspend the card for a small period of time ( 24 hours ) so i can make travel related spend and redeem the points/miles for full value. Capital One absolutely refuse to do this. So, in essence they are taking away from me half the value of the points/miles i have earned through years of spending on their card. I need your help to get this resolved amiable and fairly.
Consumer complaint received 2019-05-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

This is now the 2nd time have found that CapitalOne raised credit limit without approval. Credit card companies should not do this and they know high limits, whether used on not, adversely affect credit ratios and thus scores. With this in mind, one has to  question why they would raise limits without getting authorization first? I am certain they would say as a convenience but I doubt that is the motivation. The bigger question is in what way this practice fuels their greed? 

The second issue is they do not have an easy 'mechanism ' to get it reduced. On the website can request an increase but have to call to have it decreased which means having to go through the queue, then verification process, then I'm guessing a couple agents to get to the right one, then probably some sales pitches ... and all this for something never asked nor authorized. 

The third and unrelated issue is that Capital One still posts a business credit card to my personal credit file. No other business card has ever done this so I request that CapitalOne remove the 'connection ' to my personal credit. We are a very established business and if they refuse then I will simply be cancelling the card. The primary issue is that as a business card, the balance fluctuates quite a bit and this can also adversely affect the credit ratios.