davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-12
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CNG FINANCIAL CORPORATION (CA)

I received another call at XXXX XXXX from " XXXX XXXX '' from XXXX and I finally decided to pick up the call because it seemed to be a personal call. She ( XXXX XXXX had my name, address, the last four of what she claimed is my social security number, and that I had a debt with Check N ' Go tied to a XXXX XXXX bank account from XXXX  ( which I do not have ). The person would not give me her name and would only provide the last four numbers of a supposed account number ending in " XXXX ''. I ask for the date of the transaction and the person 's name because I will be escalating this matter to my attorney, she then hung up the phone on me. 

I have never utilized Check N ' Go and this person threatened legal action by escalating the matter to Small Claims court and that I could respond once I received the subpoena. 

This individual also referenced phone number XXXX XXXX XXXX XXXX. Due to the abrupt ending of the phone call I'm inclined to believe this is an ongoing scam. CONSUMERS BEWARE!!!
Consumer complaint received 2020-07-28
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Under the provisions of FCRA 611 ( a ) ( 1 ), the bureaus are required to have conducted a reinvestigation of my dispute which was filed XXXX XXXX, and to have concluded that reinvestigation within 30 days of your date of receipt of my dispute. To date, I have received no response from all 3 bureaus.

Under the provisions of FCRA 611 ( a ) ( 6 ) ( A ), the bureaus are required to have provided me written notice of the results of the reinvestigation within 5 business days of the completion of your reinvestigation. To date, I have received no notice of results of the reinvestigation. Since the statutory periods have expired, I consider all 3 bureaus to be in violation of the cited sections of the FCRA.

Please be advised there are not exceptions listed, when faced with extreme weather or health pandemics. If the bureaus are given exceptions on breaking the law, they need to go to congress and have the law changed.
Consumer complaint received 2020-12-15
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings (CA)

On XX/XX/XXXX XXXX XXXX XXXX CA billed me for {$7800.00} dollars was send to collections. On XX/XX/XXXX I was incarcerated until XX/XX/XXXX I reached out to the company and they said because my roommate XXXX XXXX XXXX broke the lease agreement early that we our both liable for payments until they rented the unit again since the apartment lease agreement was in both of our names. they never notified me of the payments and just sent it to collections, plus I had a security deposit of {$1500.00} so I don't even get how I own them anything at all and now its in collections and the balance has risen {$10000.00} I now can not rent a apartment or get a car because of this mark on my credit report and the company will not help me with this unfair situation. I disputed this claim via certified letter on XX/XX/XXXX.
Consumer complaint received 2018-05-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (IL)

I have received communications from Resurgent Capital Services about a debt I know nothing about.

I have 2 letters all dated on the same date of XX/XX/2018.

1. Reference ID # XXXX in the amount of $XXXX
2. Reference ID # XXXX in the amount of $XXXX

I have a XXXX credit card currently and it is in good standing. 
I don't have an account with XXXX ending in XXXX.

I have zero clue what this is but I have been a victim of identity theft in the past.

I have written to the company disputing the debt but have not had any communication on validation of this debt in any form. 

I have sent letters to this company in the past and then they go quiet. Then a year or so later this resurfaces again with another attempt to collect something they can't prove is mine.

I just have a letter telling me to pay it without any information except some made up numbers.

Thank you
XXXX
Consumer complaint received 2020-07-28
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

Under the provisions of FCRA 611 ( a ) ( 1 ), the bureaus are required to have conducted a reinvestigation of my dispute which was filed XXXX XXXX, and to have concluded that reinvestigation within 30 days of your date of receipt of my dispute. To date, I have received no response from all 3 bureaus. 

Under the provisions of FCRA 611 ( a ) ( 6 ) ( A ), the bureaus are required to have provided me written notice of the results of the reinvestigation within 5 business days of the completion of your reinvestigation. To date, I have received no notice of results of the reinvestigation. Since the statutory periods have expired, I consider all 3 bureaus to be in violation of the cited sections of the FCRA. 

Please be advised there are not exceptions listed, when faced with extreme weather or health pandemics. If the bureaus are given exceptions on breaking the law, they need to go to congress and have the law changed.
Consumer complaint received 2020-07-28
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

Under the provisions of FCRA 611 ( a ) ( 1 ), the bureaus are required to have conducted a reinvestigation of my dispute which was filed XXXX XXXX, and to have concluded that reinvestigation within 30 days of your date of receipt of my dispute. To date, I have received no response from all 3 bureaus.

Under the provisions of FCRA 611 ( a ) ( 6 ) ( A ), the bureaus are required to have provided me written notice of the results of the reinvestigation within 5 business days of the completion of your reinvestigation. To date, I have received no notice of results of the reinvestigation. Since the statutory periods have expired, I consider all 3 bureaus to be in violation of the cited sections of the FCRA. 

Please be advised there are not exceptions listed, when faced with extreme weather or health pandemics. If the bureaus are given exceptions on breaking the law, they need to go to congress and have the law changed.
Consumer complaint received 2019-03-21
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. (GA)

Equifax and XXXX are reporting incorrectly that I am 120 days late with the XXXX/XXXX partial account numbers XXXX and XXXX. These accounts reflect a {$0.00} balance and {$0.00} past due. It is impossible to be past due on an account with {$0.00} balance and {$0.00} past due. I have contacted the two bureaus to fix this issue. This incorrect reporting is harming my credit score.
Consumer complaint received 2020-07-28
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Under the provisions of FCRA 611 ( a ) ( 1 ), the bureaus are required to have conducted a reinvestigation of my dispute which was filed XXXX XXXX, and to have concluded that reinvestigation within 30 days of your date of receipt of my dispute. To date, I have received no response from all 3 bureaus. 

Under the provisions of FCRA 611 ( a ) ( 6 ) ( A ), the bureaus are required to have provided me written notice of the results of the reinvestigation within 5 business days of the completion of your reinvestigation. To date, I have received no notice of results of the reinvestigation. Since the statutory periods have expired, I consider all 3 bureaus to be in violation of the cited sections of the FCRA. 

Please be advised there are not exceptions listed, when faced with extreme weather or health pandemics. If the bureaus are given exceptions on breaking the law, they need to go to congress and have the law changed.
Consumer complaint received 2022-01-15
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NE)

I sell on XXXX XXXX, so I receive many checks to be deposited. On XX/XX/XXXX, I opened a savings account online at Capital One Bank XXXX Performance Savings Account. On Tuesday, XX/XX/2022, I made a mobile deposit of 12 checks. On Wednesday, XX/XX/2022, I received an email from customersecurity@capitalone360.com We noticed unusual activity on your account ending in XXXX. From Capital One, XXXX XXXX XXXX XXXX XXXX. XXXX, MN XXXX. On Monday, XX/XX/2022, I received another email from customersecurity@capitalone360.com I called Capital One Bank on Friday, XX/XX/2022. After speaking to the Capital One representative and waiting on hold for over an hour, I was told that my Capital One Savings Account would be closed and that I would have to wait for six months until a certified check for the funds in my account be mailed to me. I can not wait six months.
Consumer complaint received 2019-03-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I have had a corporate credit card with Capital One since XX/XX/XXXX under my current business and for several more years before that under my own name. In XX/XX/XXXX of this year ( XX/XX/XXXX), I was late in making my payment which was due on XX/XX/XXXX. I made a partial payment on XX/XX/XXXX and contacted Capital One to let them know that I was experiencing a financial hardship and that intended to make an additional payment soon, which I did on XX/XX/XXXX. My payment was only 11 days late. During that time, Capital One raised my interest rate from 19 % to 31 %. I contacted them again in XX/XX/XXXX to ask why the interest rate was raised. I was told that it was a penalty rate that would continue to be in effect for one year. I asked if there was anything I could do to have the interest rate restored to its previous rate and that the new interest rate was causing a greater financial hardship. The interest alone for the month of XX/XX/XXXX exceed the amount of my previous minimum payments. My minimum payment due for XX/XX/XXXX was {$620.00}. The minimum due for XX/XX/XXXX ( excluding the {$620.00} that was included in that amount as the payment was late ) was {$920.00}. The minimum payment due for XX/XX/XXXX is {$870.00}. Capital One told me there was nothing they could do ; they do not have the ability to lower an interest rate. I contacted them again on XX/XX/XXXX to inform them that I would not be able to make the minimum payment due of {$870.00} on XX/XX/XXXX. After speaking to three different individuals in their business services section, I was informed that Capital One only raises interest rates, as they have done on my card, when a customer has three late payments within a year 's time. I explained all payments have been made on time and that this was the first time the payment was late ( I can provide payment history dating to XX/XX/XXXX that proves this to be the case ). The representative could not explain why my interest rate was raised in this case, but did say there was nothing they can do. I am not able to keep up with the minimum payments on this credit card and feel that I have been unjustly taken advantage of by Capital One despite my attempts to communicate my situation with them.
Consumer complaint received 2018-05-03
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

received call from number XXXX. Hung before I could answer called back. XXXX XXXX XXXX- have and numerous communication with them of the past few years attempting to collect for past phone number owner ( XXXX XXXX XXXX ). Called back this time and was notified numerous times that this was recored, all information collect was to collect a debt ... ... 
Got operator and provide operator with my home number XXXX ... asked who she was speaking to and advised her I was not supplying that information. She ( her company should know who they are attempting to contact I have had other debt companies similarly and response with the XXXX name, and when I reply that that is not me ( I have had this number over 10 years now ) they will take me off the list. operator still insist on me providing my name. I ask to speak to a supervisor. After 5 minutes she returns advises me that a supervisor is not available. I again request that then this number need to be removed from this list since she can't validate who they are attempting to contact ( or won't ) she refuses. I say that any future calls will result in a complaint being field she say that's fine we'll just call again. I responded with are you serious that you just said you would just keep calllling and she hung up.
Consumer complaint received 2022-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My credit score on XX/XX/2021 was XXXX. 
My credit score currently has been dropped by 83 points to XXXX. 
Nothing material has changed on my credit report to cause this action. 
For example, due to COVID-19, all loans in forbearance, deferred to the end of the loan upon exiting forbearance, resuming regular payments, with all payments continuing to be current, under the CARES act should not cause this action as informed to me by the banks. 
I have asked the company to restore my credit score back to XXXX. 
This is yet to be done.
Consumer complaint received 2022-08-26
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: FORD MOTOR CREDIT CO. (NY)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this accounts ( A ). It is not permissible to fail to validate this reporting accounts as unverified information without providing any proof within the time frame specified by law. 
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. My credit report includes the erroneous information that needs to be investigated and correct : FRD MOTOR CR XXXX Date Opened : XX/XX/2021 Balance : {$19000.00}
Consumer complaint received 2018-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Innovis (IL)

XXXX XXXX XXXX XXXX XX/XX/XXXX is unauthorized because I dont have a bank account with them XXXX is unauthorized XX/XX/XXXX because I do not recognize this XXXX XXXX XXXX- fraudulent XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX- mortgage shopping and I dont have an account with them. I do not recognize this XXXX- unauthorized XXXX XXXX-credit monitoring service did not remove inquires and checked credit to help Did not give consent for the hard inquiries XXXX XXXX XXXX XXXX XX/XX/XXXX Unauthorized XXXX XXXX XXXX I dont recognize this Please remove all of the inquiries
Consumer complaint received 2022-01-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LTD Financial Services, L.P. (IA)

LTD Financial services has never notified me of any debt collection nor did they notify me of their intention to pull my credit bureau 30 times in less than a calendar year driving my score down. This is an abuse of financial power and should be punishable.
Consumer complaint received 2020-08-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (FL)

name : XXXX XXXX 1. i have been charge more than XXXX more interest on my account since the purchase is about XXXX dollars. 
. 2. I have never receive any notice about the promotion expire, if i do receive a notice, I will do whatever i can do to pay the XXXX dollar balance instead of paying huge amount interest. 
3. I have set up an auto pay with the brandsmart staff, who told me everything is all set, i dont have to worry about anything. 
4. Even i did not pay off the total amount within 24 month, i supposed to pay the interest for whatever the balance is. 
5. I did not receive any letter or notice saying that i will be paying a huge amount of interest, specially during XXXX XXXX pandemic, they should offer more time it is really a difficult for me to pay this crazy amount, and all the bank are trying to help customer to go through this difficult time, i hope they are the same, in the website they are saying the promotion period is extended. 
6. I was put on hold 40 mins in order to talk to a account manger and I got hang up when I was talking.
Consumer complaint received 2019-03-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (MI)

I was purchasing airline tickets through the Delta XXXX website and there was a promotion for Delta SkyMiles credit card, I called an talked to an American Express agent and he signed me up for the skymiles card and charged me {$190.00} dollars, he was very hard to understand. Terms required that I spend {$3000.00} on the card within 90 days and I would receive XXXX bonus miles. I did spend the {$3000.00} in 30 days, including the {$190.00} service fees. When I called American Express on XX/XX/XXXX they explained that I did not reach the XXXX dollar amount because they do not include the service charge as part of the XXXX dollars. I explained to them that the adviser never explained this to me and they should make an exception. American Express said they would send this to their complaint department and I would receive a written response in 8 weeks, which I never received. I called on XX/XX/XXXX and they gave me the same response and now they are not responding in writing. Then the American Express adviser said he couldn't hear me and disconnected the call, even though I was calling from a land line. American Express has very deceptive in their practice and I feel they are taking advantage of senior citizens. I would like my XXXX bonus miles or my {$190.00} back. They should also respond me in writing as they said they would. American Express advisers are very deceptive and just hang up on you. I was very polite on the phone and they still hang up.
Consumer complaint received 2020-07-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (GA)

We had a mortgage with Wells Fargo Home Mortgage. During the life of our loan, we paid {$87.00} monthly for PMI insurance. These payments typically post the third week of the month. We paid off our loan on XX/XX/2020. When reviewing our escrow account, we noticed that we were charged {$170.00} on XX/XX/2020. We called Wells Fargo for more information on the payment. We were told by a Wells Fargo representative that our PMI is paid in arrears. The explanation for the charge was that since we paid off our loan later in the month, that we also had to pay for XXXX PMI. This does not align with the representatives statement that PMI was paid in arrears.
Consumer complaint received 2018-05-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (MO)

From the beginning of my repayment period to XX/XX/XXXX, I was in an income-based repayment plan of {$200.00} monthly. 

I took XXXX XXXX classes, which put me in deferment from XX/XX/XXXX through XX/XX/XXXX. 

My Income Based Repayment expired, and I could handle the full payment price of {$380.00} which I did from XX/XX/XXXX through XX/XX/XXXX. 

I decided to re-enroll in Income Based Repayment in XX/XX/XXXX, and submitted a payment of {$160.00} which posted in XX/XX/XXXX. I was told that my new Income Based Repayment of {$160.00} would begin in XX/XX/XXXX. 

In XX/XX/XXXX, an amount of {$410.00} was erroneously auto-debited from my account. This was more than both my IDR or my full repayment price. When I called, I was told that there was an error with how the auto-debit system pulled from my account, and that since I agreed to the " Terms of Use '' on the auto-debit system, I was not entitled to a refund. I was also told I submitted my IDR paperwork late to put my IDR in place for this cycle, but this was untrue as I submitted the paperwork by XX/XX/XXXX which gave ample time for the 30 day processing period cited to me when I signed up for the IBR plan. 

My IDR began posting normally in XX/XX/XXXX, but this was significantly less than the IDR price quoted to me when I set my plan up in XX/XX/XXXX. The amount quoted was {$160.00}, which is why I authorized this amount to be pulled from my account in XX/XX/XXXX. The account has pulled {$120.00} in XX/XX/XXXX and is scheduled to do so in XX/XX/XXXX. 

There has been a flagrant and systematic pattern of misinformation from Nelnet. Since the beginning of my repayment period, I have found myself making phone calls almost monthly because of errors, incorrect auto-debit pulls, or blatant misinformation. 

Thank you for your time and I look forward to hearing back from you.
Consumer complaint received 2018-12-13
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. ()

Dear Executive office, Chase Bank mail code XXXX XXXX XXXX XXXX XXXX, OH XXXX   Re : Additional information to poof the funds deposited in Chase Account.

Reference is made to your letter dated XX/XX/2018 which you requested me to provide with you more information, before you can research my request.In additional to the bank statements, national identity card i sent to you on XX/XX/2018 i have now included the proof of funds deposited into Chase Bank which stripe deposited in my account for your verification and your urgent action.
Consumer complaint received 2022-08-26
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. (CA)

I am a natural person I am a living human being I have Rights under 15 usc 1681.Experian is govern by 15 1681.And they violated my rights numerous of times. I demand the inquiries listed below be removed because according to 15 usc1681 : I have the right to privacy and I did not give Experian written permission to pull my report