davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-22
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: JPMORGAN CHASE & CO. (WV)

XX/XX/2021 I received 2 letters from Chase regarding my two credit cards. One, the limit was lowered from {$5000.00} to {$1200.00} and the other limit was reduced from {$12000.00} to {$5900.00}. They claim this is because my usage on other cards. By lowering my limits, they are increasing my usage on their cards and adversely effecting my credit score. I have been a customer for many years and I've had these cards for several years. Not only is it an oxymoron to lower my limits causing 90 % usage on their cards because usage is high on a couple other cards, but also because they boast about closing the wealth gap and all their doing to help people of XXXX. They just single handedly took my credit score from good to either fair or poor once this reports. You can't do anything with bad credit, which is what they're doing to me. Then the smugness of the rep, XXXX to tell me she's the final say and her boss won't change anything is CRAZY. They pulled my report ( adding an inquiry when too many inquires was one of the reasons stated for lowering my limits ), asked me questions about 4 of my accounts in which I was more than honest. I'm being punished for taking advantage of 0 % balance transfer, vehicle loans, and 59 % usage on one of my accounts. Disregarding the fact that 5 companies have increased my credit limits in the past two months. They supposedly did a thorough review, but it doesn't matter that my balances go up and 6months or so later go back down. It doesn't matter that we just sold a car and received a {$25000.00} check to pay down debt. It doesn't matter that we just spent {$12000.00} to purchase a house. It doesn't matter that we have 2 rentals that pay our mortgage. All the money they've made during this pandemic and their empty promises to help close the wealth gap makes them a fraud. I didn't get bailed out as they did with MY tax money. Yes, I was a day late on my payment 3 times, but I guess people aren't allowed to forget things when they're going through stuff. Two of the times I was on leave from my job, in XXXX and going through XXXX XXXX. They knew they were going to tell me no before they pulled my credit and asked my a bunch of very invasive questions about some of my other credit accounts, questions my mortgage company didn't ask me. They never answered my question wondering if they'd lower my limit again for these same reasons when these accounts were paid. The only answer smug XXXX gave me is that they wouldn't make my accounts negative ... that's not even what I asked. Chase reported a net income of $ XXXX in the XXXX, at the height of a world wide pandemic, but they want to mess with the little people like me?
Consumer complaint received 2020-04-24
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Had Spoken XXXX Disputes department ( XXXX  ) regarding inquiries on the credit report Company failed to remove inquires with results submitted from acutual creditors.
Consumer complaint received 2016-02-13
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (MS)

I have paid this debt that was an amount not covered by my insurance upon the first notification. I have gone in person to the Provider and they have apologized and stated the debt collection company is acting outside the agreed guidelines and I should have never received a demand for payment from the debt collection agency. I have now received another demand for payment for a debt that was properly paid.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2017-10-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aspen National Financial, Inc. (FL)

I was informed that the statement they sent was the third but I only received that one dated XXXX XXXX, on XXXX XXXX, XXXX. 
I called and explained to the person I spoke that I already paid Timeshare maintenance fee online to XXXX XXXX website and was not aware of a separate payment for tax. 
I informed them that I can afford to pay the {$120.00} tax but not the interest and additional fee for a total of {$160.00}. They refused and informed me that it is not negotiable.
I feel that it is unfair that a bill for {$120.00} was referred to a collection agency when I already paid the balance we owe online. I am not aware of the {$120.00} since no bill came to my address. There is another same street number in this subdivision and if they said it was mailed, then it 's possible that it went to another address. Therefore, I feel like I am not responsible to pay any interest nor the fee.
Consumer complaint received 2020-06-23
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: Experian Information Solutions Inc. (GA)

XXXX XXXX XX/XX/2018 Not my account Delete it immediately Account : XXXX XXXX  XXXX  XXXX Not my account Delete it immediately Account : XXXX XXXX XXXX XXXX Not my account Delete it immediately Account : XXXX XXXX XXXX Not my account Delete it immediately Account : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX A XXXX XXXX This account is not mine Delete it immediately Account : XXXXXXXX XXXX This account is not mine Delete it immediately Account : XXXX XXXX  XXXX This account is not mine Delete it immediately Inquiries : XXXX XXXX I did not authorize Delete it immediately XXXX XXXX I did not authorize Delete it immediately XXXX XXXX I did not authorize Delete it immediately XXXX I did not authorize Delete it immediately XXXX XXXX I did not authorize Delete it immediately XXXX  I did not authorize Delete it immediately XXXX XXXX I did not authorize Delete it immediately
Consumer complaint received 2021-07-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (TX)

All of my credit card payments post within 3-5 days with the exception of XXXX XXXX which is issued by Synchrony Bank. The payments are always due on the XXXX of the month. 

In XXXX, I mailed a check for {$29.00} on XX/XX/XXXX. I had to make a {$29.00} online payment on XX/XX/XXXX to avoid late fees, and my check did not post until XX/XX/XXXX. 

My XXXX payment of {$29.00} was mailed on XX/XX/XXXX. Once again, I had to make a {$29.00} online payment on XX/XX/XXXX to avoid late fees because my check had not posted. 

Synchrony Bank is STILL assessing the blame on the Covid-19 pandemic, which is RIDICULOUS!!!! If all of my other payments are being posted within 3-5 days, then Synchrony Bank has an internal problem that needs to be resolved.
Consumer complaint received 2019-03-08
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Specialized Loan Servicing Holdings LLC (TN)

I year ago I applied for a refi on my home. I bought my home in XXXX. During that time I had a second mortgagein the amount of XXXX. After having that mortgage for 2 years, the company filed for bankruptcy and I wasnt sure who had the second mortgage. Because of this the mortgage was not paid and charged off in XXXX. 
When I applied for a refi in XXXX the second mortgage showed on my deed of mortgage and as a result I ended up making payments on the second mortgage so that I could try and refi a year later on both the first and second mortgage. The servicing agent that claimed they had the right to collect for the second mortgage stated that as a payoff I owed {$26000.00}. This amount included the past due amount of {$12000.00} plus interest that is currently accring daily. 
The refi company asked them to sign a VOM for mortgage purposes in which they refused. I contacted the company they said they were representing to collect on their behalf. The original company stated that they don't have a record of a loan with them and couldn't find it by my name, address, or social security number. The company provided me a letter stating this and I forward this information to the servicing company to request a removal from my deed of record and all the money that has been paid for the last 13 months of monthly payments that they have collected. They have since notified me that my loan is deliquent, but can not provide any proff that they have the right to service this loan. The original paper work can not be found or therefore I am filing a complaint to rectifiy this misdeed and try to get some resolution because they don't have any intentions of trying to resolve this issue ethically. I appreciate any assistance you can provide in this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2017-10-02
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL (CA)

XXXX XXXX incorrectly charged me late fees for all my bill payments made on time. My XXXX XXXX account number is XXXX. 
I purchased furniture from XXXX XXXX at their XXXX, CA location in XX/XX/XXXX. They suggested I finance for a 0 % interest for 12 months loan through XXXX XXXX. The promotion required that I pay a minimum monthly fee to be received by XXXX XXXX before XXXX on XX/XX/XXXX of every month. I setup a recurring epay from my bank, XXXX XXXX XXXX XXXX ( XXXX ) on the XX/XX/XXXXof every month. To my dismay, I received a billing statement that my payments were late and that I was charge penalty. 
I contacted my bank, XXXX who told me that all my payments to XXXX XXXX were made before XXXX on the XX/XX/XXXX of every month. I have documents which indicate that all payments were made by DCU on time. However, XXXX XXXX continued to charge me for the late payments and the interest from the late payments. 
I have proof from XXXX that all payments to XXXX XXXX were made before the due date and time. However, XXXX XXXX may have processed these payments late and charged me the late payments.
Consumer complaint received 2017-10-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC (IL)

Debt Recovery Solutions LLC tried to collect a {$460.00} XXXX debt several years ago. This debt is attached to an address where I never resided and the debt is not mine. I do not and have never had a debt with XXXX. I do not have any outstanding debts for that matter. I have impeccable credit. I contacted DRS years ago to resolve this and was informed that the account would be closed. Now, years later, DRS has reported a tradeline to XXXX When I contacted DRS, I was told I had to provide my SS # and I refused, but the representative did read aloud the last 4 of the SS # on the fraudulent account- it is very clearly not my SS #. The representative still said he could not do anything since I was not willing to provide personally identifying information. I contacted the company via their compliance email on XXXX/XXXX/XXXX and received no response. I filed a complaint with the BBB on XXXX/XXXX/XXXX. DRS responded that they had completely closed down the file and removed the tradeline from my credit report. After several days, it was clear that this did not happen. I responded via the BBB. DRS responded again and said they have record that this did happen on XXXX/XXXX/XXXX. I provided proof that it did not and DRS said, on XXXX/XXXX/XXXX, that they would look into the matter immediately and send an expedited deletion request to XXXX for the tradeline. I spoke to a representative at XXXX on XXXX/XXXX/XXXX who informed me that no electronic transaction had been initiated in any way by DRS. I opened a formal dispute with XXXX. I also responded again via the BBB on XXXX/XXXX/XXXX to inform that there is still no evidence that DRS has requested the tradeline be removed nor shut down the file. DRS is no longer responding. It is COB on XXXX/XXXX/XXXX and still nothing has been resolved. The fraudulent tradeline is still on my credit report and XXXX is still reporting no movement from DRS.
Consumer complaint received 2021-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (CA)

I already reached out to the credit bureaus and to COMENITYCAPITAL/XXXX  with account number XXXX, and notify them of their error posting of information on my report. I was never late on these accounts. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I requested to generate me personally with a detailed description of the procedure designed to verify the account is " real '' but as of the moment no information received. I had also requested the actual proof, physical firsthand documentation of the payment history but I did not receive what I asked and these violations persist on my credit report.
Consumer complaint received 2017-10-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (CA)

I have a problem with Wells Fargo. Upon trying to transfer funds in excess of {$5000.00} to another bank via their bank-bank transfer ( ACH transfer ), I discovered that they do not permit more than {$5000.00} in XXXX day nor more than {$6000.00} in 30 days. I have looked thoroughly through all their customer account agreements and have found no such restriction. It is my money and if I wrote a paper check against the account they would have no choice but to honor it. So why the ACH limit? Can they do that? 

This is just XXXX more example of why the arbitration clause should not be permitted in consumer agreements. 

XXXX
Consumer complaint received 2021-04-22
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (IL)

I misunderstood COVID deferrals and assumed my loan payments were being deferred but I guess my loans are not federal. Once I realized I caught the loan up. I asked if they could waive the late fees and they refused. Been paying the darn loan over 15 years and that's how they treat people?
Consumer complaint received 2021-08-05
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. (TN)

I have been filing disputes since XXXX of 2021 with XXXX, XXXX, and Equifax. XXXX  XXXX is reporting a past due balance that's against violation of my FCRA rights. Credit Collection is paid off and it's showing that's it not paid.
Consumer complaint received 2023-02-22
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: EQUIFAX, INC. (FL)

In accordahce with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX Account # XXXX, has violated my rights. 
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 In accordahce with the Fair Credit Reporting act XXXX XXXX Account # XXXX has violated my rights. 
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 In accordahce with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 
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 In accordahce with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 
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 In accordahce with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 
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 In accordahce with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 
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 In accordahce with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, has violated my rights. 
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 In accordahce with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 
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 In accordahce with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 
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.
Consumer complaint received 2020-11-12
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. (GA)

Equifax has been putting me through emotional distress i had fraudulent accounts on my report they deleted it and put it back on my credit report. This is causing me a lot of problems. Its against the law to delete an account and place it back on the credit report
Consumer complaint received 2020-11-11
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (UT)

I have been disputing items on my credit report with ALL 3 of the bureaus and NONE of them have responded to me. I have been denied financing and it is because there are errors on my credit report that THEY are reporting! I have contacted the Attorney General in their state of operation and you, the CFPB should be ensuring that they are doing what they are supposed to do under the law. They need to remove the errors I have been disputing!
Consumer complaint received 2021-07-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

I had opened a 360 consumer and business spark account with capital one. I was involved in a robbery which made it difficult to speak to anyone but logged into the account to try and lock banks and did as much as I could while recovering from the incident I made a claim for over XXXX plus not including the XXXX in the business spark which both accounts where for XXXX XXXX XXXX I also had problems with my information changing and not being able to utilize my debit cards or access my online accounts because information was changed without my permission or knowledge. The banker told me they would place the funds back into my account in a few weeks then another banker said that the claim was denied and I was not getting any of the business funds back after I said I made a police reported she said its nothing I kind do and hung the phone up.
Consumer complaint received 2017-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

XXXX XXXX is still showing on my credit reports, this is a debt that 's over 7 years old and should automatically be removed from my credit report, the debtor has written this debt off and due to new law ruling passed effective XXXX XXXX, XXXX, no judgments are to be reflected on your credit report also due to : Federal Trade Commission, Office of the Attorney General, Department of Banking and Finance,  Office of Thrift Supervision, Better Business Bureau, Advocates for Fair Credit Reporting this must be deleted from all 3 credit bureau 's effective immediately and to date this has not happened after several letter attempts to XXXX, Equifax and XXXX by law this is illegal. Please remove from all 3 credit bureau 's immediately. I was advised from a free legal counsel service which advised it is against the law for XXXX XXXX to attempt to sue for garnished wages of which they attempted to do in XXXX, even the court advised they are not allowed to attempt to ever sue for garnished wages again.