davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (MO)

I obtained a care credit card to be used exclusivelybfor medical costs through synchrony bank. My credit score was low so I obtained a co signer as my father agreed so I could have some XXXX  work that was required. The total charges came to over {$9000.00} in 2 separate charges. I opened account in XX/XX/XXXX and proceeded to make extra payments and paid the entire balance off by XX/XX/XXXX. I was not required to make additional payments and had a 3 year window in which to pay the required monthly payment. I was never late with a payment. Then I received a letter dated XX/XX/XXXX that my account was closed due to them checking my credit score and determined it was too low and I was too great of a risk. Even though I still had my father 's name on the account ( his credit score was XXXX last time he told me and I'm sure it's still in that area ), and I had paid off the account 2 years before the original agreement and was never late with any payments. Also I'm positive that my credit score has risen over the past year due to the new card and good status. So they had to originally approve me with a lower score than they say is why they closed account. This them caused my credit score to drop as this was the only card I currently had active. I just wanted to keep account open in case of medical emergency but they told me the computer system automatically makes the decision and nothing could be done. Thank you for your assistance and time.
Consumer complaint received 2019-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The following inquiry needs to be removed immediately : Creditor Name : XXXX XXXX Inquiry from XX/XX/2018 XXXX/XXXX Inquiry from XX/XX/2018 XXXX/XXXX Inquiry from XX/XX/2018 XXXX XXXX Inquiry from XX/XX/2018 XXXX   XXXX Inquiry from XX/XX/2018 Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.

I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.
Consumer complaint received 2019-10-03
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One XXXX credit card. 
I have not used my credit card in well over XXXX  months. 
It does not even work. I reported this issue to them. Furthermore, there were fraudulently charges made in or around XXXX of this year for about {$30.00}. I had no idea there was any activity on the account. The credit card company issued about {$120.00} in charges related to this single charge not being paid. When I became aware of this around XX/XX/XXXX, I brought the fraud to the company 's attention. I also, to protect my credit, paid by check by phone over {$140.00} XXXX XXXX XXXX to pay off the balance while they investigated. This was to prevent the right hand not speaking to the left and a charge off occurring. This is because I have a XXXX XXXX XXXX to protect. I am in the middle of a refinance. I also have business credit cards that rely on my personal credit history. All got harmed because of Capital One being incompetent and unhelpful. 
Yesterday, I was on the phone with them for over XXXX hours reviewing XX/XX/XXXX - the money I paid -- where did it go? On XX/XX/XXXX, from XXXX XXXX, I paid online another {$47.00}. Where did this payment go? Why is the current balance on Capital One showing {$140.00}. They have violated my rights under the Fair Credit Act. The account should be XXXX balance or even negative. They need to restore the credit card to good standing. I do not want to close the account. And they need to update the credit bureaus to reflect that this was their error and they improperly reported. I have identification numbers on the employees I spoke with. XXXX '' XXXX '' XX/XX/XXXX -- he could not locate where my XXXX payments went. He transferred me to escalations. I spoke with XXXX. I spoke with XXXX. {$100.00} are bank fees. {$13.00} are interest charges. They need to remove these. My account ends with XXXX The credit card has an expiration of XX/XX/XXXX. I have been a client of their since XXXX. I have called them over 6 times since XXXX and they are not helpful. They keep saying this is en effort to collect a debt .... And then they ask me to start over again. I ask them what do the notes say? Why am I having to repeat myself.
Consumer complaint received 2019-09-27
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (FL)

After telling my lender about the details regarding my foreclosure years ago, he brought to my attention that I had been seriously cheated into foreclosing and told me about the CFPB, strongly recommending that I file a complaint to have the foreclosure removed from my credit history. In short, Wells Fargo refused to take funds from a XXXX veteran program that took me two years to get approved for. The funds were designed to help XXXX veterans who had lost over 50 % of the home 's value in the XXXX-XXXX financial collapse. After months of being passed around from section to section within Wells Fargo, I was advised by a realtor to stop paying my mortgage payment in order to give them incentive to accept the funds that were delegated by the HAP into a safe trust account to pay off my loan. After months elapsed, they were still unwilling to let me pay off my entire mortgage with the funds, at which point I was unable to catch up on payments and was forced into a foreclosure. My wife and I are currently trying to buy a home and the foreclosure that happened years ago is completely preventing us from getting approved. I am requesting that any and all history of my foreclosure be removed from my credit report. Please see attachment of my approval letter for 100 % loan pay off. I have more records of this spanning over the two year period in which I did everything in my power to encourage Wells Fargo to accept the funds from the XXXX XXXX XXXX XXXX ( program is called the HAP or Home Owner 's Assistance Program ). I contacted my congressman, local news channels, visited three branch head managers, etc. For years I thought I had exhausted all of my options until just recently finding out about the CFPB. Any help on this matter would be greatly appreciated.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

I am requesting Credit Bureaus to investigate my accounts in question. Specifically, I dispute the following : The accuracy of the reported balance. 
The date of the last payment. 
The account status. 
I am requesting an investigation into the accuracy and completeness of the above data for the following accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-04-02
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (GA)

In XXXX I received a notice from Navient that my student loan payment would go from {$42.00} to {$880.00}. That amount is beyond my limit at this time. I am XXXX XXXX XXXX and my XXXX XXXX   amounts to {$2100.00}. I requested a graduated lower payment because i have an expensive car payment and high medical bills at this time. I will have these paid within the next 12 months. I have made repeated calls to Navient. On XX/XX/XXXX I was told that the amount could be reduced to {$570.00}. That amount is still too much. I could pay about half that much. Can you assist me in this matter?
Consumer complaint received 2019-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: ID Analytics, Inc. (NY)

I contacted SageStream LLC to put a security freeze on my information. I submitted the required information and copies of my identification documentation on XX/XX/19. Their website says they will respond via U.S. Mail. To date, there has been no response. I telephoned them and even though I was calling during their business hours I am unable to get hold of a person ; their answering device says to call during business hours ( which I did ). I have no idea how to get hold of a human to freeze my account.
Consumer complaint received 2019-09-27
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ProCollect, Inc. (TX)

On XX/XX/2019 I contacted Pro collect via chat to attempt to negotiate a settlement amount. I was advised that was not possible because their company does not provide settlements. I was told to pay the balance in full and given payment options ... I disconnected the chat ... I proceeded to go online and make a payment of {$180.00} plus the company charges a {$7.00} processing fee bringing the total to XXXX to be deducted out of my checking account.. I was called this morning XX/XX/2019 on my new telephone number that they shouldn't of had and advised that I had a balance of XXXX from an old apartment and that I've made {$660.00} worth of payments in XX/XX/2019 and XX/XX/2019 ... I was told that the payment of {$180.00} that I made online would not be processed because I have to pay the full balance of {$1300.00}. I told them I don't have the full balance.. The representative then proceeded to tell me in a very rude way that I needed to make that payment now or he would mark my account as refusal to pay. I made payments and attempted to make a payment yesterday and this morning I was advised my credit report would be marked as refusal to pay and that's not fair.
Consumer complaint received 2019-09-27
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: DISCOVER BANK (WI)

Discover closed my account ending XXXX in order to steal my rewards. I always paid bills on time, never late and earned 150000+ miles in rewards which would be around $ 2000+K cash. 
I requested my rewards redeemed on XXXX XXXX at that time Discover assured me rewards would be paid automatically on XX/XX/XXXX for that I did not needed to call in : they made me to believe that they will send a check or transfer cash to my bank account as they did previously when I redeemed my rewards previously. 
Few days ago I saw that my family member made a purchase on XXXX and redeemed my Discover rewards, I never consented to Discover or XXXX to use my rewards as payment option, I don't understand whythose companies decided they can use my rewards without my permission. 
Today on XX/XX/19 I contacted Discover again to get my rewards and was told that Discover closed my account on XX/XX/19 ending *XXXX  because " they did not hear from me and my rewards are voided '', never sent an email or mail or any indication informing me about intent to close my account. 
So today, on XX/XX/19 I spoke with XXXX mngr in OH he refused to redeem my miles for me because " when I called on XX/XX/XXXX to request my rewards I was told rewards will be paid out automatically and I don't need to call, but then I needed to call again in order to redeem. '' this istrolling and scamming practices to steal my rewards. No other credit card company ever demanded my Tax Returns from IRS. 
No notes, emails, letters with deadlines or anything indicating reason for closing account ending *XXXX  therefore Discover did not wanted to pay my reward which would be approximately $ 2000+ Discover is a  scammer and a thief, they invent tricks to steal from us our rightfully earned rewards : in instance, they emailed me yesterday on XX/XX/19 stating that they put me on their Match program on my account ending *XXXX that was never even activated and is closed. 
For the demand of my IRS records I received and email from someone looking like a spam and I thought was a scam that did not come from Discover email, I deleted it as it wanted me to click on the link. I learned it was from Discover only after I called in to activate my new card ending *XXXX. XXXX told me that spam looking email was from them on XX/XX/XXXX, ( XXXX from their special department ). Then he asked me if he should close the account and hanged up the call. Then I called again, spoke with the female agent and she confirmed that XXXX was accurate and they will not activate account until I give them access to my tax returns from IRS. I refused to allow any credit card company access to my IRS records. and they closed my both accounts without any notices in order not to pay my reward.
Consumer complaint received 2019-09-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (DC)

XX/XX/19 {$79.00} XX/XX/19 overdraft fee {$35.00} I disputed the amount {$79.00} Because Wells Fargo authorize payment to att when my account was already overdrawn as well as assessed a overdraft fee for the occurrence. When I filed a dispute Wells Fargo denied it stating that it was a reoccurring payment so that is why funds were released I kept telling them this is not a reoccurring payment this item does not come out at the same time every month it is a one time  debit transaction which mean if there are no funds it gets declined they did not go according to there policy and when it was time to investigate they did not do their part either The photo attached show that they declined the transaction on XX/XX/19 than on XX/XX/19 they approved the transaction while the my balance still reflected the same amount was in overdrawn status and when Wells Fargo refers to my previous payments they were all ACH payment this one was not so it should not have been touched
Consumer complaint received 2021-03-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: KEYCORP (OH)

I'm XXXX yrs old and have several credit cards and bank accounts. The lady on the phone for key bank mentioned I could have checks and mailed them to me. After using them when I went to pay my statement it showed {$30.00} for fee 's and shows 3 checks I wrote with a {$10.00} fee for each one. I expressed my shock to the representative over the phone and mentioned that I have other accounts and if I knew about this fee I would never have used it. When I asked for a one time credit because I'd never use them again he said to call my local branch. I called the local branch and they said to call the number on my statement again! 

XX/XX/21 {$10.00} XX/XX/21 {$10.00} XX/XX/21 {$10.00}
Consumer complaint received 2019-09-27
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (NY)

I received a call from the number XXXX at work on XX/XX/2019 at XXXX XXXX. I was already in another ( work-related ) call, so I rejected the call. I called the number back a few minutes later, and the person stated the call will be monitored, it was an attempt to collect a debt, his name and the company name. I informed him that I received a call from that number, and he asked me for my name. Then he stated that he pulled up my records and needed me to verify the last four of my social security number.

Having been a victim of identity theft in the past and the increase in telephone scams lately, I was wary of giving him the last four of my social. I stated my concern and asked the representative what  account he was calling about to see if I recognize the account. He refused, stating that he couldn't divulge any further information until I verified my identity. He proceeded to ask me for my date of birth. I told him again that I didn't feel comfortable giving out my information all willy-nilly to some random stranger claiming to call from a debt collection agency, yet he couldn't even verify the name of the account in question. The representative proceeded to tell me, " You not giving me any information. We already have it. You're just verifying it. '' From my understanding of the English language and sentence structure, in this context, " verifying '' and " giving out '' my information means exactly the same thing. I have no way of verifying if this person is who they say they are, and it wasn't like I was asking him for his company 's secrets. I was only asking for the name of the account in question, which I couldn't do anything with besides like maybe pay it off -- and, never in my adult life, have I ever heard of someone stealing another person 's identity to pay off the victim 's debt. On the other hand, with my the last four of my social, date of birth, AND address, someone could literally call my bank/credit card company right now and do some damage. The representative stated that he could not speak to me about the account any further until I " verified '' my information, so I hung up on him. 

Overall, this representative from Midland Credit Management was  being shady.
Consumer complaint received 2019-09-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

On XX/XX/2019 Bank of America transferred funds in the amount of {$28000.00} from my bank accounts with XXXX XXXX XXXX XXXX XXXX. This amount was in error and I immediately call both Bank of America and XXXX XXXX. I made a request to return the whole amount. I was told by both Bank of America and XXXX XXXX that it should take 2-5 days. When I called Bank of America on XX/XX/XXXX, asking why the funds were not transferred, they said they have a policy that wont allow them to transfer a large amount of money without internal protocol. I was told it could take until XX/XX/XXXX to make the transfer. I called Bank of America on XX/XX/XXXX and was told they have until XXXX to make the transfer. On XX/XX/XXXX the transfer was not made.
Consumer complaint received 2019-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I went online to Transunion to get a free credit report. Once I got my report, I saw there was a middle initial added, XXXX " XXXX '' XXXX. Never had a middle initial. So I tried to dispute it online and while filling out some of the info, it asked to create a password and supply my credit card number, because the ones on file that came up were outdated. How they got those numbers, I have no clue because as I have never paid for a credit report in the past. I believed it was for identification purposes. Afterwards I received an email for a charge for a credit report. I called in to dispute both the middle name and the charge. the charge was a subscription. How I got to that page appears to be deceptive, since I was only trying to dispute the middle initial. I called in and they cancelled the subscription but wont refund the charge of {$1.00}. Said he could not reverse it and no oe at the company can do it either, which it sounds absurd, since I cancelled it. The I asked how did the middle intitial get there and he could not tell me. I was authenticated, so he should have told me when this was added. Please help? 

This occurred Friday XX/XX/XXXX, XXXX between
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Despite my previous written requests for TRANSUNION to provide me with the name of the person in their company who verified that these accounts are accurate and belong on my file, what documentation did they use to verify that these accounts are accurate and belong on my file they ignored my rights and instead told me that they are labeling my dispute as XXXXrivolous. Their actions clearly demonstrate their willful violation of the FCRA and I believe the Courts will agree when I present them with copies of my letters and their responses to them. 
1. The following personal information is incorrect 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 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 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 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