davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

XXXX decided to change banking institutions for my XXXX rewards credit card. it changed from XXXX XXXX to Capitol One and it was supposed to happen on XX/XX/XXXX. I received my statement in XXXX from XXXX XXXX  and thought since it was sent to me I would drop my payment off to XXXX XXXX  which I did on XX/XX/XXXX ( it was due on the XXXX of XXXX ). I dropped it off early because I was going on vacation. At the end of XXXX ( either the XXXX or XXXX ), I received a call from my banking institution from which I wrote the check and they said that XXXX XXXX  returned my check to them that day. I called XXXX XXXX  and they said they were not able to cask my check since Capitol One took over the account. I asked then why did you send me a bill? And they did not have an answer. 
I reached out to Capitol One and they apologized for not sending out the bill nor the credit card. They assured me that I would receive it soon. They also put a hold on my credit card for nonpayment even though they did not send the bill and even though it was less than a fifth of my overall balance. 
I received both bills on XX/XX/XXXX, 5 days before it was due and this was on a Saturday. This bill had a late fee and interest fees even though this was the first time I was receiving a bill from them. AND I had tried to pay XXXX XXXX  and tried to contact them. 
On XX/XX/XXXX I called them and the " supervisor '' said to take off the 2 late fees of {$40.00} and send in the payment for both months. So I did paying the bill in full minus the {$80.00} in late fees. My next bill in XXXX came in with another late fee and more interest charges. I still at this point did not have a credit card issued by Capitol One. I was able to get the interest fees and late fee credited back to my account. 
On XX/XX/XXXX, I talked with another " supervisor '' and they recommended that I pay the bill in full again minus these fees, which I did. 
Today, XX/XX/XXXX, I spent another 2 hours on the phone with Capitol One and yet another supervisor. She explained that since I did not pay my bill ( because I excluded the fees as suggested by the 2 different supervisors ) in full even though I paid for my transactions in full, that I would continually be charged interest each month. 
In the 3 months and 2 days since I was forced to become a member of Capitol One, I have been charged {$250.00} of fees. I have gotten most of them reversed and credited back to my account but it has taken hours. There is still {$10.00} unaccounted for and no one can explain why and they refuse to credit it back. 
What about the people who are unable to make the time to call and follow up? What about the people who don't even understand this? This is very predatory and needs to be stopped
Consumer complaint received 2019-07-09
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. (CA)

FOR THE PAST FEW MONTHS I HAVE BEEN SENDING MY IDENTITY THEFT REPORT TO EQUIFAX TO HAVE THE FRAUDULENT ACCOUNT REMOVED FROM MY CREDIT REPORT. WHAT I DON'T UNDERSTAND WHY EQUIFAX IS THE ONLY COMPANY WHO REFUSES TO REMOVE THE SAME FRAUDULENT ACCOUNT FROM MY CREDIT REPORT. XXXX  AND XXXX XXXX WERE AVBLE TO REMOVE IT MONTHS AGO AND EQUIFAX CAN'T VARIFY THE ACCOUNT. AT THIS POINT I AM NOT REALLY SURE IF EQUIFAX IS CREATING THIS FRAUDULENT ACCOUNT ON THEIR OWN. I HAVE GIVEN THEM THE CIVIL CODES WHICH STATES THAT THE ACCOUNT NEEDS TO BE REMOVED.
Consumer complaint received 2024-04-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/year>, at approximately XXXX pm, I, XXXX XXXX XXXX, XXXX secured private creditor under UCC file XXXX XXXX, went to Bank of America at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Texas XXXX XXXX I had an appoint to open up a non-interest bearing account, which I had disclosed to them when I had arrived. After a few questions and other informational matters, XXXX XXXX XXXX, relationship banker, asked me for my Social Security Charter Vessel. I disclosed to XXXX XXXX that I had legally terminated my S.S. charter vessel in accordance with XXXX XXXX XXXX. XXXX XXXX then stepped outside. After a few minutes she came back with the XXXX, XXXX XXXX XXXX. He merely said that they needed my S.S. Vessel to open an account. I informed them that the bank could not be held legally responsible by anyone for failing to obtain a SS vessel from me pursuant to 31 CFR 103.34 ( a ) ( 1 ) and I informed them that under the Internal Revenue Code Section 6041, that they were not even required to provide any taxpayer identification numbers on the Form 1099 that they file with the IRS at the end of the year, and I informed them that pursuant to 26 CFR 301.6109-1 ( c ) that they were under no legal obligation to obtain a SS vessel from me, and I informed them that 42 USC 408 makes it a FELONY to use threat, duress, or coercion to try to force a person by fear or deceit to provide his SSN in an unlawful manner. I asked for a reason as to why they required a S.S. Charter vessel if according to 46 U.S. Code section 57308, the SS Vessel is to be terminated at the age of 25 and is to no longer be used in commercial. However, neither one of them were able answer my question. Not only that, but they defrauded me as a secured private creditor in pursuant of 25 CFR 11.423 by encumbering with property subject to a security interest of mine, with purpose to hinder that interest. In addition to defrauding me, they deprived me of a right/privilege pursuant to Title 18 section 242. In the end, ignorance of the law excuses no one - 16 Am Jur 2d sub-section 178.
Consumer complaint received 2019-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I closed on a Home Loan in XX/XX/2019 with XXXX XXXX XXXX   and setup my auto pay with their loan XXXX Department. I always do auto pay. 
I had even setup and additional payment of {$1000.00} on top of my monthly payment. 
However, the bank apparently sold my loan to another service provider. 
They failed to contact me about this and did not transfer my auto pay. This is why one payment was missed since I thought the auto pay was activated.
Consumer complaint received 2016-10-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (PR)

I am from XXXX XXXX, someone in XXXX was using my identity, he used my social security to acquire a cable service with XXXX under my name. I reported this to Equifax several times, recently this person was arrested, I submitted again a dispute and supporting documentation like police report and FTC documents, also the information of the officer who arrested the person who stole my identity, but Equifax refuse to delete that inquire. XXXX was aware of this since XX/XX/2015 but I recently reach them again to help me resolve the issue with Equifax.
Consumer complaint received 2015-04-24
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: TD BANK US HOLDING COMPANY (NY)

I have been a credit card holder at Target for more than XXXX years. During that time I have always timely paid my bill without fail. My small credit limit of {$500.00} means that every time I use the card for more than {$100.00} I in effect negatively impact my credit score. I have made several requests over the last few months to have them raise my credit limit and all I am told is that they have a policy that they review accounts on an ongoing basis. However I should update my income which I did in early XXXX, early XXXX and the latest on XXXX XXXX and I would hear within 75 days only if the increase is granted. 
However after numerous calls I have not been notified of any increase and have received no notification that the increase was denied or for that matter even considered because no notification was ever sent. 
I have made several calls and no one will give me this information but they propose that as a solution to impacting my credit score I do XXXX or XXXX of the following:XXXX File for a debit card and in effect give target an interest free loan. 
XXXX. Pay my bill immediately after shopping in the store even though the monies are not due for weeks depending on at what point in the billing cycle I hit. 
Certainly target the right to deny credit to any customer that does not qualify but I would think that they also have a legal obligation to appropriately notify a customer whether or not a request for a credit increase was denied and also the reason. Frankly I feel that Targets failure it appropriately notify me is in effect a form of discrimination because this failure does not offer me the opportunity to determine if credit is being denied for an inappropriate reason and I am indeed being discriminated against.
Consumer complaint received 2023-03-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (NC)

Mortgage was purchased by BSI Financial late XXXX. 
XXXX  submitted ( which did not got smoothly and took forever to process ) XX/XX/XXXX. 
PMI was not automatically removed ( although I was told it would be ). I submitted a letter to have PMI removed and eventually it was removed. Escrow overage check was received after XXXX closed out and payment was recalculated. 
I made my new payment each month on time. Most recently, I sent a check for my XXXX payment in the amount of {$1500.00}. The online portal shows the check as received on XX/XX/XXXX, but is listed as being " unapplied. '' It also shows my actual payment amount due as being {$1600.00} and shows that I'm delinquent on my XXXX payment. I've made several efforts to contact the company with no call back as of yet. I'm afraid of being charged late fees or worse, being reported to the credit bureau. They clearly have my latest payment and have not bothered to return my calls.
Consumer complaint received 2023-01-31
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (MA)

Dear CCB/CHILDRENS PLACE ; I was shocked when I reviewed my credit report and found late payments on the dates below : IN 2022. 



I am not sure how this happened, I believe that I had made my payments to you when I received my statements. Also, with everything going on, particularly COVID-19, and being XXXX with XXXX, XXXX XXXX XXXX XXXX XXXX  lately, and loss of XXXX, etc. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2019-03-11
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. (ND)

Attached is a copy of the US Dept of Treasury document dated XX/XX/2019 showing my child support payments were applied to the delinquent debt owed. These payments were made to the XXXX XXXX XXXX XXXX XXXX in XXXX, Florida. 

Equifax ; XXXX and XXXX - are reporting incorrectly that the following accounts are in collections - partial account numbers : XXXX ; XXXX ; XXXX ; and XXXX. I have contacted the three bureaus regarding this incorrect reporting, but have not been able to get the issue resolved. This is a violation of the Fair Credit Reporting Act and this incorrect information is hurting my credit score.
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Navient Solutions, LLC. (GA)

NAVIENT STUDENT LOAN SERVICING ( BREACH OF PRIVACY ) ACCOUNTS XXXX, XXXX, XXXX ANY CREDITOR FURNISHING INFORMATION TO A CREDIT REPORTING AGENCY MUST PROVIDE A SIGNED DISCLOSURE FORM FROM ME THE CONSUMER STATING THAT I THE CONSUMER GAVE THE CREDITOR PERMISSION TO REPORT. 
15 usc 6801 Protection of Non- Public Information NAVIENT STUDENT LOAN has violated my rights and failed to protect my information by sharing my personal information with 3rd parties without my consent. 

15 usc 6802 Obligation with respect to disclose personal Information. There are 3 disclosure forms that I have not received. 
XXXX. Financial Institution making me aware that they will disclose my information to a non-affiliated 3rd party 2. Institution giving me the opportunity before information is initially disclosed to direct that the information not be disclosed to a 3rd party 3. The financial institution giving me an explanation how to exercise the non-disclosure options 15 usc 6802 Disclosure of Institution Practice Policy NAVIENT STUDENT LOAN did not clearly and conspicuously provide the disclosure forms.
Consumer complaint received 2019-07-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (NC)

I have encountered with an account that I have never opened. XXXX XXXX XXXX has issued a debt and went into collection its {$1200.00}. I know its not a lot of money but why would I pay for money I never used? Ive been trying to fight this off my credit and I came to find out about these accounts when I got out of my XXXX and logged into XXXX XXXX. I was shocked oh how many inquiries and this account were open. Please help me. My identity was stole and I have attached a statement.
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Viva Finance Inc. (GA)

VIVA FINANCE ( BREACH OF PRIVACY ) ACCOUNT XXXX ANY CREDITOR FURNISHING INFORMATION TO A CREDIT REPORTING AGENCY MUST PROVIDE A SIGNED DISCLOSURE FORM FROM ME THE CONSUMER STATING THAT I THE CONSUMER GAVE THE CREDITOR PERMISSION TO REPORT. 
15 usc 6801 Protection of Non- Public Information VIVA FINANCE has violated my rights and failed to protect my information by sharing my personal information with 3rd parties without my consent.

15 usc 6802 Obligation with respect to disclose personal Information. There are 3 disclosure forms that I have not received. 
1. Financial Institution making me aware that they will disclose my information to a non-affiliated 3rd party 2. Institution giving me the opportunity before information is initially disclosed to direct that the information not be disclosed to a 3rd party 3. The financial institution giving me an explanation how to exercise the non-disclosure options 15 usc 6802 Disclosure of Institution Practice Policy VIVA FINANCE did not clearly and conspicuously provide the disclosure forms.
Consumer complaint received 2022-02-02
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. (MD)

Transunion is only getting one of the two accounts being reported by XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) while XXXX is getting both accounts. This is negatively impacting my Credit Score with Transunion because the total account utilization percentage is higher than it should be as it is not taking into account two accounts but just one account. 

I've called Transunion and XXXX XXXX XXXX today regarding this issue around XXXX on XX/XX/2022. Transunion said they can not do anything on their end if the Credit Card company does not push them the data for all accounts and they also only see one account when in fact I have two active that is currently being reported on by XXXX. XXXX XXXX XXXX told me that I would need to write to their Credit Dispute team in order for them to investigate this issue and they claim that they are reporting all information on all accounts to all three major Credit Card Reporting agencies ( Transunion, XXXX, and XXXX ). 

No further attempt of assistance was provided by XXXX XXXX XXXX when I confronted them of this issue and they did not have a hotline or customer service representative that could look into this issue and implement corrective actions immediately.
Consumer complaint received 2022-03-14
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: KEYCORP (NY)

I have requested the account statements for a XXXX XXXX XXXXXXXX benefits card in my name and social security number that was administered by Key Bank. Key Bank is refusing to send the statements to me. I have requested the statements from Key Bank three times, and Key Bank has refused to send the statements each time. I have filed two complaints, one with CFPB and one with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. In both complaints, Key Bank told me that I should contact XXXX XXXX  XXXX DOL for " that any inquiries regarding the unemployment benefits for this Card must be directed to the program manager for your state ''. To be very clear, I am not contacting Key Bank for information about my unemployment benefits. I am contacting Key Bank to get the account statements that are in my name and my social security number. I have a right to obtain those statements from the financial institution that administers the account. XXXX XXXX state does not have the account statements. Only Key Bank has the account statements, and Key Bank is refusing to send the statements to me. Key Bank is misdirecting me to the XXXX DOL for this request. Prior to my requests for the account statements, Key Bank has sent other account information to me, including a rebate check. Clearly Key Bank has the ability to send account statements to me. 

It is Key Bank 's responsibility to send these account statements to me and Key Bank is refusing to do so.
Consumer complaint received 2019-09-23
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: JPMORGAN CHASE & CO. (CA)

My lease was originally purchased, XXXX, XXXX. The lease was set to expire XX/XX/XXXX and Chase offered to provide me with a voluntary pre-turn in inspection. I opted to have the pre-lease inspection completed and it was done on XX/XX/XXXX. The report indicated that the wheels were scratched and the tires were worn and there were numerous minor scratches. I had the wheels repaired and two of the four tires replaced and paid for the transaction on XX/XX/XXXX and turned the car in the next day slightly under the mileage, but a month early of which I paid the full lease payments. 
A couple months later I received an invoice for repairs on the vehicle. The bills were all based on the pre-turn in inspection report. I asked the company for their post-lease inspection report, they said that they did not do a post-lease inspection and wanted me to prove that I had the repairs done. I sent them the credit card payment I made to XXXX  XXXX in XXXX XXXX, CA for the repairs and send them a signed letter indicating what repairs had been made. They asked me for a itemized receipt for the repairs but I could not provide it for two reasons. 1 ) I left my only copy of the itemized receipt in the vehicle when I turned it in. 2 ) XXXX XXXX in XXXX XXXX, CA changed management and are unable to provide me with an itemized receipt. I think it is very unfair that Chase would try to charge me for repairs that I already made and since they did not have a post-inpection lease I think it is also unfair for me to have to prove that I had repairs made to the car. Their post-inspection analysis should tell me what repairs need to be made, not the pre-inspection. Please help! I don't want to have to pay for repairs twice and they are holding my credit hostage!!
Consumer complaint received 2020-02-17
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. (TX)

I decided to move out my apartment complex due to bad maintenance. I checked a new complex out and I had to get my credit pulled. At the moment it was pulled I learned that I was not able to get the apartment due to bad items on my report. Some one has took my identity they have ran my credit outrageously. I can't think of who would do something like this to me, but the items showing on my report are not mine. Please remove these unknown items. 

XXXX XXXX/XXXX  XXXX {$620.00} XXXX/XXXX   XXXX {$0.00} XXXX XXXX XXXX XXXX {$21000.00} XXXX XXXX {$320.00} XXXX XXXX {$850.00} XXXX  XXXX XXXX XXXX {$93.00} XXXX  XXXX  XXXX XXXX {$120.00} XXXX XXXX {$1300.00} XXXX XXXX {$2900.00} XXXX  XXXX  XXXX  XXXX {$700.00} XXXX XXXX XXXX {$2600.00} XXXX XXXX XXXX {$130.00} XXXX XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX {$230.00} XXXX  XXXX  XXXX XXXX {$1300.00} XXXX XXXX XXXX XXXX {$70.00} XXXX  XXXX  XXXX XXXX {$3300.00} XXXX  XXXX {$19000.00}
Consumer complaint received 2021-11-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CLGF Holdco 1, LLC (WV)

XX/XX/XXXX, of 2021 I spoke with a representative and negotiated a settlement to close the card. The representative set-up payments on XX/XX/, 2021 in the amount of {$110.00}, XXXX XXXX, 2021 in the amount of {$110.00} & a final payment of {$110.00} on XX/XX/XXXX. Each payment was made timely. 
In XXXX, I started receiving collection calls from Milestone stating my account was past due and they needed a payment. 
I spoke with a representative late XXXX, 2021 who looked into the " history '' and said the initial representative did not " complete the settlement paperwork ''. 
The representative said they would need to " contact a different department to investigate '' someone was suppose to call me back in XXXX hour to discuss. No one called. But, I continued receiving collection calls. 
I have since called XXXX different times, XX/XX/XXXX & XX/XX/XXXX and I'm being told the same story of a XXXX hour wait. 
On the XXXX, I spoke with XXXX at ( XXXX ) XXXX Who " could not provide me a time of resolution ''. She then put me on the phone with a supervisor named XXXX who said nothing could be done & again, I had to wait another XXXX  hours. 
This is extremely frustrating and my credit report is taking a negative hit. 
I would like resolution to this as soon as possible.