davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

On Friday XX/XX/XXXX I requested a credit line increase on XXXX of my credit card accounts I have with Capital One Bank I have a Saks Fifth, XXXX and Quick Silver which are all financed by Capital One I was approved on My XXXX credit card original credit limit {$1500.00} new credit limit {$4500.00} Saks original credit limit {$750.00} new credit limit {$2700.00} which were both done with a soft pull to my credit my Quick silver was denied for too many inquires when I only had 2 inquiry and the balance was too low when I have paid the card in full so the reason for denying me is a complete lie I have been a customer with Capital One bank since XXXX and I believe it is unfair to be mistreated and denied for false information. This is discrimination and I would like the decision reconsidered knowing that I was approved for 2 credit line increases on the exact same day with the bank I have attached showing the inquiries on my credit report
Consumer complaint received 2023-06-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: AMERIS BANCORP (GA)

This is my third email correspondence and formal complaint filed against XXXX bank regarding my XXXX XXXX  Application since this process began XXXX years ago. 
I am contacting the Consumer Financial Protection Bureau to make them aware of this urgent concern. 
My application is complete on the Portal and as well as via a certified paper application with proof of delivery and receipt by the XXXX XXXX Department. The final requested XXXX bank statements were submitted on XX/XX/XXXX and XX/XX/XXXX but closed on XX/XX/XXXX. The documents were uploaded but not received but still labeled as incomplete. The packet is complete but the documents were not pulled by XXXX XXXX staff which is not fair that the documents requested have been submitted in a timely fashion but have inconsistently not been acknowledged or reviewed. We have requested this issue be escalated via phone call and email on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and have received inconsistencies by the representatives as the status of the review. Please review these resubmitted documents that were entered not only on the portal but also by the completed paper application which was sent via XXXX with proof of signature delivery. The original completed packet has been mailed. The proof of the mailed completed packet is listed below along with the proof of signature and XXXX tracking number. Thank you in advance for your attention to this urgent matter. I have made all full mortgage payments since this process began in XXXX. 
Signed for by : XXXX XXXX, Obtain proof of delivery DELIVERY STATUS Delivered TRACKING ID XXXX. 

Sincerely, XXXX XXXX, XXXX XXXX.
Consumer complaint received 2021-06-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

I have a mortgage with 5th 3rd bank since XXXX. Beginning on XX/XX/XXXX my home burned. The fire department arrived on XX/XX/XXXX. I filed an insurance claim and checks were issued to myself and 5th 3rd bank for a total loss. 5th 3rd put the funds into escrow for the rebuilding of our new home. We are still in permitting process but the bank has demanded we get homeowners insurance for a home that does not exist. Our old insurance was cancelled because they said they could not insure a structure that did not exist. % 5h 3rd had told me in XX/XX/XXXX that I did not need insurance until my home was built. They have sent me several letter demanding I commit fraud by buying insurance for something that does not exist. 
I have contacted them several times and each time they lie to me and drop the issue. They keep hanging on me because I am XXXX with XXXX and can not handle XXXX, when I ask them to accommodate my XXXX they hang up.
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (ND)

I am writing to you as a concerned consumer to bring to your attention a critical issue regarding the accuracy of my credit report and the unethical billing practices of TFS. As a credit agent, I trust you will investigate this matter promptly to rectify the situation and prevent further damage to my financial well-being.

I have filed a complaint against TFS due to their poor billing practices, which have resulted in inaccurate reporting of the amount owed. Despite providing evidence of payments made, TFS has persistently misrepresented my payment history, claiming that I have only paid {$1000.00} when in fact, a thorough review of my payment records would reveal this to be vastly inaccurate and fraudulent. 

To compound matters, my credit report has recently reflected an increase in the amount owed to TFS by {$11000.00}, instead of subtracting it as it should. This inconsistency has led to significant fluctuations in my credit score, which has consequently hindered my ability to secure loans and access essential medical treatment, including XXXX and dental care. 

The repercussions of these erroneous credit reports are severe, as they directly impact my physical and mental health, which is closely tied to my credit score. The inability to afford necessary medical procedures due to discriminatory loan offers further exacerbates my predicament and poses a significant risk to my overall well-being. 

I implore you to take immediate action to address this matter with the utmost urgency. I request a thorough investigation into the billing practices of TFS and an accurate reflection of my payment history on my credit report. Additionally, I seek compensation for any damages incurred as a result of the negligent reporting by TFS.

Your prompt attention to this issue is greatly appreciated, as it is crucial in safeguarding my financial stability and ensuring equitable access to essential healthcare services.
Consumer complaint received 2022-10-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

TheBUREAUS ( OriginalCreditor:XXXX ) Acct # XXXX XXXX  Acct # XXXX In accordance with the Fair Credit Reporting act my rights have been violated. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions I recently reviewed my credit report and noticed some unauthorized accounts on my credit report. In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is grounds for removal they also violated my rights under 15 U.S.C 1681 section 602 A. Under 15 USC 1681A 3, this role was assumed without permission nor my consent. My right to privacy was neglected and not respected which is under 15 USC 1681A 4. You did not exercise your grave responsibility, you were unfair, you were partial. You were never given permissible purpose under 15 USC 1681B 2. I never instructed anyone to furnish or create this report
Consumer complaint received 2019-06-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MN)

I have been trying to finalize my mortgage. To do that I needed to show I was out of school ( graduated XX/XX/XXXX ) and get my loans consolidated to enter REPAY. I already consolidated my loans with Navient between XX/XX/XXXX-XX/XX/XXXX so I only needed to apply with the " add loans '' form which I did the first week on XX/XX/XXXX. I was sent correspondence from Navient on XX/XX/XXXX stating there is no waiting period to do this and it would be completed by XX/XX/XXXX. Since I submitted my REPAY apllication at the same time with my current proof of income, this would be done XX/XX/XXXX. I have spoken to Navient several times and received different answers. Now being told I had to wait up to 75-90 days ( depending on who I speak to ) for a consolidation to be done. Again, they also already confirmed the consolidation was completed months ago. Then today I received a coorespondance stating they put me into consolidation forbearance. I did not request any forebarence and have only been trying to get my payments established. I am to close on the home XX/XX/XXXX but can not do that until Navient has completed the add loans. I have been given multiple excuses such as they couldn't find the form, I can't establish repay on the loans until the add loans is done, they need to do another consolidation, there is no wait time for it, then a week, then varying months. It seems they are not allowing me to pay. They also claimed they took me out of in school status but the Dept of Ed still shows me in status. I was told they updated that on XX/XX/XXXX but as of today its not. I'm concerned that im unable to establish any kind of payments and they would take it upon themselves to put me into forebarence without even consulting or asking me about it, especially knowing I've bedn trying to establish a payment.
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX Date : XXXX Consumer Financial Protection Bureau XXXX CFPB XXXX XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX Dear Sir/Madam XXXX I am writing to request the immediate removal of credit accounts associated with XXXX XXXXccount # : XXXX from my credit report. These accounts contain inaccurate information that is in direct violation of 15 USC 1681. Furthermore, I never provided written consent for [ XXXX ] to report my information, as required by 15 USC Code 602 ( a ). 

I kindly request your prompt intervention to ensure the swift removal of these erroneous accounts from my credit report. Your attention to this matter is greatly appreciated. 



Sincerely, XXXX XXXX
Consumer complaint received 2022-03-22
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/XXXX I submitted a dispute to TransUnion requesting proof of the public record. The dispute was closed and I received no documentation or communication from them. 

On XX/XX/XXXX I called TransUnion and spoke to XXXX and asked for method of verification they used to determine bankruptcy as accurate and a copy of the information. She said my account just showed verified as accurate with no additional information. I requested the item be removed because FRCA says Im entitled to a method of verification and if they can not provide one, they have to remove the item. I was placed on hold and then told she could not give me any more information. I asked to speak to a manager and was transferred to XXXX and again, asked for the method of verification and she stated it was validated by a transunion professional vendor but would not provide detail. She said I needed to call the Bankruptcy Court and gave me their phone number. 

I believe TransUnion has violated my rights under the Fair credit Reporting Act because I have requested documented proof of how they verified this record on my credit report and they have failed to do so twice via two different methods of communication.
Consumer complaint received 2021-06-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: MoneyLion Inc. (OH)

On XX/XX/XXXX, my unemployment payment of {$1500.00} was deposited into a MoneyLion fraudulently opened account after a scammer/hacker hacked into my unemployment account and changed my banking preferences. I contacted unemployment and they had me to change my banking information back to my routing and account number as well as change my login pin. Unemployment was not able to retract the payment. The routing number of the fraudulently opened account is XXXX and the account number is XXXX. I contacted MoneyLion on XX/XX/XXXX and told them what happened. MoneyLion confirmed that the money was still in the account and submitted a fraud report to their fraud department and said someone would contact me within 24-48 hours. When I didn't hear from anyone after the 48 hours, I contacted them on XX/XX/XXXX and was told that they won't contact me via phone, but will contact me via email and I wasn't able to speak to the fraud department. They also said that my ticket ( XXXX ) was closed, but couldn't give an explanation as to why it was closed. They opened up another ticket ( XXXX ) and told me someone will contact me via email within 24-48 hours. I still didn't receive a phone call or email within the specified time frame so I contacted them again. On XX/XX/XXXX, I was told that approximately {$900.00} of my money was recovered and they were working to recover the remainder and would contact me at the end of the week with an update. On XX/XX/XXXX, I spoke with XXXX at MoneyLion and he told me all of my money was recovered. So I asked when it would be returned to unemployment so that I could contact unemployment after it was returned. He couldn't give me a date so I asked to speak with a supervisor. The supervisor, XXXX said that the money wasn't recovered so my question was why would XXXX say that it was recovered. He said he didn't know so I asked him to ask XXXX why he made that statement and I asked why would the representative that I spoke to on XX/XX/XXXX say that approximately {$900.00} was recovered. He didn't have an answer for that either. My next question was whether or not the money was still in the account. The supervisor said that the money was withdrawn from the account on XX/XX/XXXX and wasn't recovered and that they would not be returning any money to unemployment.
Consumer complaint received 2017-06-01
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. (GA)

On  XXXX   XXXX ,  2014 , my mother took me in to her local branch of  XXXX    XXXX   to add my name to her savings account. The bank collected all of my pertinent information and ran a credit check unbeknownst to me leading to a  XXXX  point drop in my credit. They refuse to even provide a letter of explanation to the credit bureaus. This at a time when I am in the process of purchasing a home! My bank contact person was  XXXX   XXXX .
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I am at a loss of words. My credit reputation is being tarnished by this huge mistake on my credit report which is completely false and misreported. Equifax is reporting this record mistakenly on my credit report. The record is also incomplete, which is also another reporting violation.
Consumer complaint received 2021-06-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

XX/XX/2020 Checking account was closed with bank of america with no warning. I was trying to open an account with a credit union and was informed that my account was restricted by XXXX  ( XXXX XXXX XXXX ) according to the report the account was closed for Checking account fraud. My account was compromised and someone got into my account and apparently tried to deposit some funds without my knowledge.
Consumer complaint received 2017-06-01
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: Experian Information Solutions Inc. (GA)

On  XXXX   XXXX ,  2014 , my mother took me in to her local branch of  XXXX    XXXX   to add my name to her savings account. The bank collected all of my pertinent information and ran a credit check unbeknownst to me leading to a  XXXX  point drop in my credit. They refuse to even provide a letter of explanation to the credit bureaus. This at a time when I am in the process of purchasing a home! My bank contact person was  XXXX   XXXX .
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC. (MA)

Dear Sir/Madam, I am writing to request the removal of a late payment entry from my credit report. Upon reviewing my credit report, I noticed that there is a late payment listed for Account : Santander Consumer USA XXXX ] for the month of XX/XX/2019. I believe this entry is inaccurate and unfairly affecting my credit score.I have been a responsible and diligent borrower, and this late payment does not reflect my payment history accurately. I have attached evidence, such as bank statements or payment receipts, to demonstrate that the payment in question was made on time.I kindly request that you investigate this matter and remove the erroneous late payment entry from my credit report as soon as possible. Doing so will ensure that my credit report accurately reflects my financial responsibility and will help me maintain my creditworthiness.Please feel free to contact me if you require any further information or documentation to assist with your investigation. I appreciate your prompt attention to this matter. 
I want you to update the payment history on this account that is affecting my credit reputation and this account was paid in full with no late payments.
Consumer complaint received 2022-07-07
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Upgrade, Inc. (CA)

I paid Upgrade off XX/XX/2022. On XX/XX/XXXX, I decided to close this account. I called Upgrade and told them to close this account, well they said they closed the credit card, but in reality, they closed nothing. I called again on XX/XX/XXXX and told them to close the entire account, XXXX card and credit line, everything. To this day, nothing has been done. I also sent them an email on XX/XX/XXXX telling them to close down everything, and they still did nothing. I am not going to continue to call them and they do nothing, Im through with calling them. I want them gone and to leave me alone. This is a horrible company and has a reputation of not closing accounts when ask tolots of dissatisfied customers besides myself. They get some type of sick enjoyment out of doing people this way. A shystie company. Please close this account in its entirety, and also reference it on my credit report as Closed.
Consumer complaint received 2021-06-14
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: MicroBilt / PRBC (formerly CL Verify) (NY)

i do not authorize inquiries for this companies, I have never sign writen authorization. 
Inquiries have no repmissable purpose. 
XXXX XXXX XXXX : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX : XX/XX/XXXX Dtafax : XX/XX/XXXX
Consumer complaint received 2021-06-14
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: DISCOVER BANK (NY)

i do not authorize inquiries for this companies, I have never sign writen authorization. 
Inquiries have no repmissable purpose. 
XXXX XXXX XXXX : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Discover Financial : XX/XX/XXXX XXXX : XX/XX/XXXX
Consumer complaint received 2019-08-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (IL)

On multiple occasions I have been preapproved for a new account by American Express. I have gone through there tool to see if they preapprove me for any of there products. I get special customized offers generally with higher signup bonuses than advertised for some products. Yet when I accept the pre-approval I get an instant denial because I am on their black list on a couple of accounts totaling about {$3000.00} worth of balances included in a bankruptcy from 8.5+ years ago that I believe were primarily derived from authorized users purchases that I at the time of filing for bankruptcy requested that American Express reaffirm, so that they would be paid in full and I would still have a charge card with them. American Express refused to reaffirm and charged off the balance. 

I have called multiple times to find out when I will be removed from there black list, or be able to become a card holder again as I have seen on many credit foreums that they have been getting more lenient with people who have had past bankruptcy discharge that included American Express. I have been told not until I pay the {$3000.00} back which to me does not seem fair as they have approved people who have discharged far more than {$3000.00} and have approved the, for substantial credit lines on there revolving cards, and I am currently only looking at there pay in full monthly card.
Consumer complaint received 2017-07-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY (FL)

American Express reduced my credit limit in half, now making the card over 90 % utilized. They claim this change took place due to an automated account review by their system, that there was no human review. Now in order to increase the credit limit to it 's original limit. I am forced to pay or send pay stubs within 30 days so that a 90 % utilization is n't reported to the credit bureaus. This is unethical and just poor customer service. If the CFPB can not help resolve this issue I will pay the card in full and close the account. I am a new customer and have only had the card 1 year, closing this account with this short history will not adversely effect my scores. I would also like to note that I have never been late or missed a payment, this is acknowledged by this credit issuer. I spoke with XXXX a supervisor and a Manager XXXX XXXX on X/X/2017. Who were both slightly rude and refused to restore the cards original limit. Amex says to pay or submit paystubs. This is a forceful bully tactic, I have other cards with now higher limits and better customer service. My income and employment status has NOT changed. I should n't have to jump through hoops to appease Amex because the demand it.