davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-20
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: BARCLAYS BANK DELAWARE (NY)

Barclay 's Bank on 3 separate occasions has reduced the credit limit on my Frontier Airlines Credit Card and XXXX XXXX Mastercard. I have never been late with them or any other card since carrying these. Their practice is predatory because all it does it look like on my credit report that I am not managing my cards with them correctly and that has a downstream effect on other lenders. In addition, by them reducing my credit limit it has a very impactful negative consequence on my credit report because it raises by debt-to-income ratio. This can not be legal! Credit card companies should not have free will to reduce consumers credit limits unless they have a valid reason ( late on this card or another, or did not follow the credit card holder rules/standards ). By doing this, they are ruining people 's credit profiles. Please step in and stop this. I have tried continuously to get them to reverse it and they give me the run-around. Need help!
Consumer complaint received 2018-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IN)

I spoke to all three credit bureaus via phone. I was told that XXXX would be the ones that will need to make the appropriate changes made to update my FICO score. I did receive a response back from XXXX and they stated it is up to the credit bureaus to update my FICO score to reflect all payments that have been made towards my VA loan with XXXX. 

I am asking for my FICO score to be updated to reflect all payments that have been made towards my VA loan. 

Thank you, XXXX XXXX
Consumer complaint received 2015-09-27
Product: Credit card — 
Issue: APR or interest rate — 
Company: AMERICAN EXPRESS COMPANY (NY)

I just realized that when I do n't pay the full balance of my American Express Blue card, I am charged accumulating interest on the unpaid balance that remains after I pay my bill ( that is expected ), AND -- suddenly -- -I am billed accumulating interest on my newly purchased items that I have not yet been billed for. In other words, I am suddenly paying an interest from day one before I am given a chance to pay it off. For instance -- -one month, I did n't pay {$80.00} of my full balance. Into the following month, I used the card on new purchases. Because I did not pay the {$80.00} ( out of over a {$1000.00} billed to me the month prior ), I was charged interest on the {$80.00} ( fine ), PLUS my new charges ( not fine )! The girl had to explain it to me several times, because I thought I was not understanding her correctly. They charged me interest on my new purchases BEFORE giving me a chance to pay it off! Unreal!! And, this is ONLY because I carried over an {$80.00} balance. I found out that this happened a few times to me in 2015 on small balances I carried over. She said it was in my " agreement. '' Maybe it was, but it is unorthodox and it should be investigated. They must provide me a way to pay it back before they can charge me interest on it. Do n't you think?? How many people do n't realize that they are paying interest from day one on their purchases?
Consumer complaint received 2021-11-09
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: HOA Collections LLC (NV)

HOA Collections LLC received a debt validation letter in XXXX ( attached ) and ignored it. We obtained a judgment against them ( attached ). They have recently indicated their intention to attach a lien to our home, when, they have no standing, no privity of contract, have violated the FDCPA, XXXX XXXX and/or XXXX XXXX XXXX we are both seniors ), as well as the XXXX XXXX to the United States XXXX XXXX " In Suits at common law, where the value in controversy shall exceed twenty dollars, the right of trial by jury shall be preserved, and no fact tried by a jury, shall be otherwise re-examined in any Court of the United States XXXX than according to the rules of the common law. '' Furthermore, Federal Law states : The use of fictitious addresses ( ALL CAPITAL LETTERS ) in a private individuals names or a ZIP CODE against the individuals wishes is a crime under Title XXXX XXXX. Section XXXX, XXXX XXXX XXXX. XXXX, XXXX, XXXX, and is punishable by up to 15 years imprisonment and {>= $1,000,000} names or fine. '' XXXX XXXX is a XXXX man XXXX, and has engaged in at least a half dozen instances of mail fraud, as well.
Consumer complaint received 2020-12-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I attempted to open my Bank of America app and wasnt able to log in. I called and was told my account had been closed but the first person I spoke with wouldnt tell me why. I then spoke with a supervisor who stated that the account had been closed and the reason was related to a business decision but the supervisor couldnt tell me what that meant or exactly why the account had been closed. There was a positive balance and no signs of fraudulent activity.
Consumer complaint received 2018-02-24
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. (IN)

I spoke to all three credit bureaus via phone. I was told that XXXX would be the ones that will need to make the appropriate changes made to update my FICO score. I did receive a response back from XXXX and they stated it is up to the credit bureaus to update my FICO score to reflect all payments that have been made towards my VA loan with XXXX. 

I am asking for my FICO score to be updated to reflect all payments that have been made towards my VA loan. 

Thank you, XXXX XXXX
Consumer complaint received 2022-05-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (FL)

On Tuesday XX/XX/2022, I received an email from a rental company stating- We regret to inform you that we were flooded with applications for this home and the property was leased before we could process your application. I paid {$90.00} in fees for a property that was already rented before they processed my application. The company still took my money even though there was no property to rent. I was not interested in any of their other properties and at this point I didn't trust they had any rentals available because I requested an updated list or to cancel my application. The email said if I wasn't interested in applying for another rental I could cancel my application. - We apologize for any inconvenience. Please let us know if there is another home that interests you. Please also let us know if you'd like to cancel your application or our available and upcoming homes can be found here- PLEASE DO NOT CALL THE OFFICE REPLY TO THIS EMAIL -- I couldn't get a response or speak with a person so I disputed this with my bank. My bank credited me the fees but is now stating that the charges were authorized. 
I need help because even the email states that property wasn't available and that I could cancel, but I lost {$90.00} and I feel scammed.
Consumer complaint received 2017-12-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (FL)

coinbase transaction # XXXX I sold my litecoin on coinbase website, they told me transaction was pending until Saturday XX/XX/17 ... as of today, I ca n't withdraw my money, I ca n't transfer my litecoin to a wallet, it 's a total of {$180.00} ... just sitting at coinbase, where I ca n't buy or sell any coins, nor withdraw the money to my bank account. Now they are saying more problems with their site, and it might be 15 days???? 

Alot of people are having problems look into XXXX ... 

thank you
Consumer complaint received 2020-12-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (MA)

Hello, Im shocked, surprised, stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. I am really smart and demand all these documents or you will face an immediate lawsuit. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. 
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
Consumer complaint received 2020-12-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (FL)

Filed a City credit card dispute re {$65.00} charge for an unsatisfactory XXXX XXXX XXXX service XXXX Disputed the charge with my Citi credit card online -but I had no scanner to send them all the additional documents in time, and my internet was cut for 2 months since I was in the hospital due to covid related respiratory problems, I was 1 month late to submit doc requested by citi card dispute service deadline of XXXX The dispute was denied due to late documentation-and Citi threaten me to send my acc to collection even is in good standing? Unnecessary cruelty? 
attached In the same time City customer service sent me a letter to confirm I am eligible for assistance? I asked assistance to waiver of the deadline to send my doc but they refused me.I appealed this decision but refused again.Where is the promised assistance? I did not asked for any money or later payments. 
Why the Dispute department is not aware I am qualified for assistance and they are insensitive maybe too lazy to contact the merchant in an attempt to protect abusive businesses and hurt customers after the promised " assistance ''.
Consumer complaint received 2020-12-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A. (SC)

Due to Covid19 and Covid19 unemployment, I am unable to pay my monthly payments on the account. Prior to defaulted on my accounts, I requested deferred payments, but I was informed that Citibank didn't have any additional payment options for my account. Most of the representatives that I spoke ( online chat ) to were deceitful in attempting to get me to agree to a payment option with the understanding that I didn't have the income to pay the full amount. I expressed that my unemployment wasn't enough to pay for my monthly living cost. Therefore, it would be impossible to pay $ XXXX monthly for both accounts.
Consumer complaint received 2020-12-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (WA)

In XX/XX/XXXX, I checked my balance principal before starting grad school for my XXXX to make sure I could cover the balance. I also contacted the school I was applying to. When all was cleared I applied and started my degree. In XX/XX/XXXX my unpaid principal and balance was {$90000.00}. Not long after starting school I was informed that Navient had " found '' XXXX dollars in loans and interest. This was tacked onto my total cost and has put me in a situation of financial hardship at the end of my program. Now the school is saying that I have run out of funds for Federal Student Aid- a situation in which I made sure to avoid before starting my PhD. Furthermore, I have contacted Navient on this issue. They have started investigations that have been dropped, told me that I was right over the phone and that these totals in XXXX do not have an origination and are not connected to a school. I have recently sent out another email to Navient asking about the situation and the investigations- and have no response as of yet. This is fraudulent. I know the company has been in some trouble but tacking on loans to student accounts that are not real is illegal. I'm sure I am not the only student that has costs on their account that can not be backed legally. Navient refuses to respond and investigations keep disappearing. I have proof and paperwork and account balances leading up to the change in funds owed.
Consumer complaint received 2020-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORT. ALSO I PROVIDED PROOF WITH MY DISPUTE THAT THE INFORMATION BEING REPORTED TO THE CREDIT BUREAUS WAS INCONSISTENT ; Inconsistent " Date Open '' Inconsistent " High Credit '' Inconsistent " Last Reported Date '' Inconsistent " Date Last Active ''. HOW CAN THE INFORMATION BE 100 % ACCURATE & TRUE WHEN THE REPORTED INFORMATION IS DIFFERENT WITH EACH BUREAU.
Consumer complaint received 2020-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (NY)

XXXX is reporting that my account is late. It can not be late because its been closed and paid in full for over 4 years. XXXX reported to XXXX, XXXX. XXXX this account is open and late dated XX/XX/2020. This is inaccurate and fraudulent and hurts my credit growth. This must be stopped and my credit report must be updated correctly.
Consumer complaint received 2020-12-20
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (MD)

I applied on line for low interest refinancing about 6 - 8 weeks ago with Wells Home Mortgage loan. Soon, someone from the Loan office contact me by phone and took the application by phone. Te conversation was recorded by Wells Fargo. 

Wells Fargo was supposed to get back to me for further review and process the Refinancing process. 

Since then, no one from Wells Fargo has not contacted me. I even trired to refinance for with low interest rate with XXXX XXXX and XXXX XXXX companies. Wells Fargo declined to provide those companies the correct information. 

Currently, Wells Fargo charges me 3.85 % per annum. Wells Fargo want to keep me at this interest rate for it's own good. 

Wells Faro is a XXXX mortgage company who dwells on XXXX people to charge higher interest rate. 

Wells Fargo is operated by White, XXXX, XXXX XXXX Executives who have XXXX XXXX. GOP ear. Wells Fargo should be revoked from practicing in the " Great State of Maryland. '' and their License should be revoked. 

I suggest the Management should be hamulated, Lynched and evicted form Maryland. Three is no place for racism. 

Wells Fargo is run by XXXX XXXX, XXXX XXXX. 

XXXX Lives Matter
Consumer complaint received 2020-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/XXXX I sent a 2nd certified mail to the company with colored photo copies of my untility bill less than ( 45 days ), Unexpired Passport ID and SSN card challenging the errors and violations and mistake of identity of my name. To date, I received no response and no actions taken. Am patient but now it is way way too long.
Consumer complaint received 2018-02-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: ENCORE CAPITAL GROUP INC. (NY)

XXXX XXXX  placed a wage garnish on my salary without appropriately letting me know. This account has passed the statute of limitations. XXXX XXXX  has responded to my complaint and none of what they addressed in their letter makes any sense. I want to take escalated action against this credit card company as they now responded with information that does not pertain to me. I never had an account of any kind with XXXX XXXX  or XXXX XXXX. They have also indicated that they have not perused any action against me to repay anything. I strongly believe that I have been fraudulently scammed and my identity compromised.I am demanding that any draconian unlawful action taken against me be immediately dropped and the wages unlawfully taken from me be immediate reimbursed. XXXX XXXX is known for falsely and unlawfully making claims against clients. They were in the past involved in a lawsuit according to this accusation. Without further adieu all claims of a wage garnish need to be ceased.
Consumer complaint received 2020-12-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

Over the years, Ive been a victim of identity theft and/or fraudulent activity with the use of Debit cards, medical, and more. I have been disputing this item on my report from ARS resolutions. The debt is {$1800.00}. I am not aware of this debt which was supposed to take place in XXXX of XXXX. It showed up on my credit report XX/XX/XXXX. Ive been disputing this item and XXXX have not removed it. It it not accurate. I also filed a complaint with a Florida police department via online just to show proof that I did take the proper steps to get this resolved. I am currently fixing my credit and this is not helping. Please remove immediately. Thanks
Consumer complaint received 2019-04-27
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: SUNTRUST BANKS, INC. (CA)

My mortgage with Suntrust Bank was sold off to another company in XXXX this year. I am trying top refinance but the data Suntrust supplied to the credit reporting agencies was missing or not complete. I called Suntrust weeks ago and asked for a 5 year record of my payments on my mortgage ( #  XXXX ) and was told they would only mail it. It's been a couple weeks and I have received nothing. I aske if the could email it but that wasn't an option. This is holding up my loan application.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Credit Bureau is reporting information to my consumer credit that is not accurate, has not been verified nor authorized. This is administrative remedy, as required prior to filing suit. I mailed a copy of the letter along with a photo copy of id and social security card. Actual letter is attached to this complaint
Consumer complaint received 2020-12-21
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL (KY)

I have been delivered papers by a collection company named XXXX XXXX XXXX, c/o XXXX XXXX XXXX XXXX. for overdue credit in the amount of {$2000.00} on an account opened around XX/XX/XXXX. I have since enrolled in a debt relief program under the XXXX XXXX XXXX XXXX who has consolidated my debt and has supposedly been negotiating with my creditors. I pay {$280.00} on this account monthly. This particular creditor, Synchrony Bank, has not cooperated with XXXX and has been aggressively pursuing me personally to collect this debt. I received summons on XX/XX/XXXX, but the summons were dated for XX/XX/XXXX.
Consumer complaint received 2018-04-27
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: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I think someone drove behind me and was not paying attention. He put on brakes and almost touched my car. I think Portfolio Recovery was affiliated with his car insurance or an attorney. They are trying to make me responsible for something that didn't even happen. I don't know what this is about or why they keep putting this on my credit report.
Consumer complaint received 2020-12-22
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Portfolio Recovery Associates, LLC has a debt for {$990.00}. I wanted to settle and I offered a settlement for {$400.00} and they agreed. When I ask the Manager XXXX XXXX to draw up a legal letter of settlement agreement he said he couldn't because the company do have a way to do that. That's false, as it is a legal document that says, that the debt will be paid and full, pulled from my credit report and they can not come after me for any future debt pertaining to that specific debt. 

Mr . XXXX  's document he sent suggested, once I pay, I would be on a payment plan until the d {$990.00} is paid in full.