davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

My sole existing credit card with Capital One with no delinquencies was closed due to inactivity. Unfortunately, I was not given an opportunity in advance to correct this, as I am ready to, and the closure is adversely and disproportionately affecting me during the coronavirus crisis. My overall utilization rate, relatively long age of the account, credit worthiness, and diversity of creditors are now extremely affected by this decision that was made with zero forewarning to me. As my employment and credit score have already been negatively impacted by the crisis, this company is now responsible for actively preventing my ability to improve my situation by negatively impacting my credit score, which will affect my immediate employment and housing opportunities. I am ready to use this credit card actively and responsibly in order for its full restoration. 

The company called me to let me know that they will not correct this. 

I am seeking rectification of this by the company.
Consumer complaint received 2015-05-15
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: DISCOVER BANK (DC)

Discover Credit Card, XXXX XXXX XXXX, XXXX, NC XXXX, raised the minimum amount due without notification. When I called to see why, they offered me the opportunity to discontinue using their card by closing the account, thereby, the amount I was paying would be owed until the card was paid off. The next bill reflected the new rate amount. When I called, I found that they had scammed me by stating the new amount had to be paid and the credit card had been closed. I sent them a letter of dispute. Meanwhile, the next bill came yesterday and it reflects the new rate with " include past due amount '', with a warning of a {$35.00} late fee and the APR will increase.
Consumer complaint received 2021-03-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of the Hudson Valley, Inc. (NY)

BACK IN XX/XX/XXXX I DID CALL XXXX TO SWITCH MY SERVICE FROM THEM TO XXXX, FIRST I CALLED TO INFORM THEM TO RELAESE MY PHONE NUMBER TO XXXX, WICH THEY DID THEN I CALLED AFTER ABOUT A WEEK TO TELL XXXX TO DISCOUNECT MY SERVICES, BUT BACK THEM I WAS TOLD THAT THEY WERE MAKING A MAJOR UPDATE ON THERE SYSTEM, TILL XXXX OF XXXX I GOT A BILL FROM XXXX, BUT WHEN I CALLED TO ASK WHY I GOT THIS BILL I WAS TOLD THAT BECAUSE I DIDNT DISCOUNECT, BUT BACK THEN I DD PROVE IT TO THEM, THEM THEY TOLD ME FINE SORRY IT WAS THERE MISTAKE, AND THEN TOLD ME SORRY, TILL XX/XX/XXXX WHEN I GOT A LETTER FROM HUDSON VALLY COLLECTION AGENCY THAT THEY PUT ME IN COLLECTION FOR {$850.00} BUT I DID TRY TO EXPLAIN THE SITUATION BUT NO WAY THEY WANT TO BUDGE EITHER TO PAY OR WE WILL REPORT TO THE CREDIT BUREAUS, BUT I SAID ITS NOT MY RESPONSIBILITY AND EXPLAIN THE ISSUE BUT THEY DINT WANT TO LISTEN AND SUR ENOUGH THEY DID REPORT TO THE CREDIT BUREAUS, AND MY CREDIT SCORE WENT DOWN FROM XXXX TO XXXX, AND I KEEP CALLING TO GET DETAIL BILL BUT THEY SAID WE WILL NOT EITHER TO PAY OR WE WILL LEAVE IT ON YOUR CREDIT, BUT THIS IS NOT FAIR TO ME IF YOU WANT ME TO PAY GIVE DETAIL BILL TO SEE WHAT IM PAYING FOR BUT KEEP ON SAYING NO I DONT KNOW WHAT TO DO
Consumer complaint received 2017-01-06
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: DISCOVER BANK (NY)

I am still having problems filing a loss mitigation package with my secondary mortgage holder. The amount that is owed to Discover Bank is less than 8 % of the value of my home and less than 23 % of the available equity of my home. I have attempted to settle with them due to loss of income since XXXX of 2015. This is the second time I am filing a complaint against them. Each time I send the information they request they come back with missing information needed. When I request that they inform me of all missing information needed I supply the missing information then I receive another communication from them informing me I am missing more information. This has been an ongoing issue with them. Now they want to see Bank information from my XXXX children who I happen to be a secondary signer on their account. They are not associated with my mortgage in any way, shape, or form. They have not given their signed permission to release this information and I have informed Discover of this fact. They are now threatening to close my request for a loss mitigation package. Let it be known that Discover has consistently been unreasonable with their request for information, and they are only the secondary mortgage holder on this property. Our Primary mortgage holder settled with us last year with not issues.
Consumer complaint received 2018-06-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

This complaint is about how my bank " Capital One 360 '' handled a chargeback dispute with the merchant " XXXX XXXX  ''.

On XX/XX/XXXX, I rented two scooters from the merchant and paid a {$500.00} security deposit. I was told by the merchant I would receive the deposit back 2 weeks after returning the scooters which I did return the same day. I never received the security deposit after two weeks so I called the merchant about it. Weeks went by without receiving the deposit back.

I then filed a dispute on XX/XX/XXXX XXXX XXXX with my bank and they gave me a provisional credit while they investigated the dispute. They then took back the provisional credit back on saying the merchant had provided documentation that settled the dispute. I asked the bank to provide said documentation. They gave me a letter from the merchant stating that yes they did owe me the security deposit but otherwise did not provide documentation that they actually had returned my deposit. Apparently, to the bank, providing any documentation whatsoever was enough to favor the dispute on the side of the merchant.

I then called the merchant to see if I could resolve this. They went through their documentation and informed me that the bank did a chargeback and took the money from them. The bank also took the same money from me. Now, neither the bank nor the merchant want to deal with me any further.

The bank has stolen this money from me. I have bank statements that show this transaction originally going to the merchant, then there is no transaction from them returning the deposit, then a transaction for the bank giving me the provisional credit, then a transaction from the bank taking the credit back. If the merchant is telling the truth and that the bank actually did chargeback from them, then this seems to me the bank pocketed this money from us.
Consumer complaint received 2018-06-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO. (OR)

On XX/XX/XXXX, I tried to pay an account via online banking through her Chase checkings account. In the Payee dropdown, I accidentally selected an old XXXX XXXX XXXX credit card account that has been closed for 7 years and sent an amount for {$500.00}. On XX/XX/XXXX, Chase initially opened up a claim and indicated that they would refund within 3-5 business days. However, this did not happen at all in which I called back on XX/XX/XXXX, where XXXX XXXX XXXX stated that they need proof of payment faxed to them and they provided a fax number of where to send it. On the same day, I called Chase back with the fax number for them to send the letter, which they advised would take about 3 business days to complete. She talked to a person named XXXX  and she provided Reference # XXXX. On XX/XX/XXXX, a letter was sent by Chase indicating that the inquiry has been resolved. This led to me thinking that the money would be refunded, but that was not the case. I called Chase again on XX/XX/XXXX. I discovered from Chase that the " resolution '' was simply sending the fax over to XXXX XXXX XXXX, and not a refund. On XX/XX/XXXX ( the same day ), I called XXXX XXXX XXXX   indicating that Chase sent the fax. XXXX XXXX XXXX stated that they can not locate the funds and would need the account number and trace number from Chase. On the same day, I called Chase to acquire the account number and trace number. With that information, I called XXXX XXXX XXXX again and provided the account number and trace number to locate the funds. XXXX XXXX XXXX was able to identify and track down the funds, but stated that since the money was applied to an account that did not belong to me, theyll need a misapplied payment letter from Chase requesting a refund. I called Chase to ask for that letter, but the manager at Chase said they no longer do that anymore.
Consumer complaint received 2021-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

XXXX, XXXX, and experian is reporting time barred debt 4 yrs ,8 yrs, to 13 years past the statute of limitations for credit reporting, state tax liens, judgements, public records on my credit report, voluntary repossessions over 8 yrs old, and reporting credit card payments late, even after I provided a letter of evidence to them from the credit card company that my payments were on time, and account is in good standing instead of having 6 months late payments on my history, they are re inserting debt on my credit without any legal notice, the accounts for XXXX XXXX XXXX were disputed in the past and then removed by 4he bureaus and XXXX XXXX, XXXX XXXX  sold the 2 debts to XXXX XXXX, XXXX XXXX re-inserted the debt without any 5 day legal notice, or warning, and I have no legal binding contract or debt with them it is not mine, tby law they have to remove it for good, the creditors, and credit bureau were being deceptive, and they refuse to remove them, I have had numerous problems with this company, I have even requested 3 years worth of phone records, they are willfully, and negligently violating the fair credit reporting act by remaining to keep these items on my credit report even after evidence has been forwarded by complaint to them from the consumer financial protection bureau,. The credit bureau claims over video recording that they will remove the judgements, and state tax liens, and correct any I formation on my credit report that doesn't belong on there, Still nothing is done, they are walking all over my credit, and laughing about it, I guess they think that I am a consumer who will not do anything, but file complaint after complaint. This time I am requesting the consumer financial bureau instruct the credit bureaus that I will be hiring an consumer protection lawyer to file a law suit against transunion, equifax, and experian for their deceptive willful negligent practices.
Consumer complaint received 2018-06-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (CA)

On XX/XX/XXXX I discovered a collection account in my XXXX and XXXX report, from XXXX XXXX XXXX ; the original creditor is XXXX XXXX XXXX. I disputed the account on my XXXX and XXXX personal credit report, but never received answer or results of their investigations.

I called to the collection agency to ask the reason of this bill, I was in shock because I always pay in time my insurance bill directly to the insurance broker office, during the call they tried to collect a {$330.00}, I asked for details of the bill because is any reason of this debt.

They told me this collection is for a insurance coverage of XX/XX/XXXX on my 3 cars, I told them that is not possible because during XX/XX/XXXX I had a insurance policy with another insurance company -XXXX XXXX XXXX XXXX- ( see the attachment ), I told them my broker cancelled the XXXX XXXX XXXX in time.

The representative told me that if I send out a fax to them with proof of my XXXX XXXX XXXX XXXX policy and if the policy period match with the unpaid bill, they will cancel the bill and remove from my credit reports. I faxed to the XXXX the proof they requested ( see the attachment ) and then I wait for 2 weeks.

After two weeks I checked my XXXX credit report because the collection account most be deleted, but the account was there in my report, so I called again to the collection agency to follow up. They told me their client made a balance adjustment because they review my fax and they changed the balance to {$290.00}, I asked the reason of the bill and the representative told me she just can disclose the insurance policy is for XX/XX/XXXX and her client ( XXXX XXXX XXXX ) sent to my mailing address a validation letter of this debt on XX/XX/XXXX, but at this time I haven't receive yet.

This is an illegal practice of the Insurance company to try collect double insurance bill.
Consumer complaint received 2018-06-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: LendUp Loans LLC (TN)

On XX/XX/XXXX my payoff amount on a {$500.00} loan was {$260.00}, I was paying {$48.00} a month. I was told if I paid off the loan with my debit card I could re-loan. I asked if I would be able to barrow more once the loan was paid off and I was told I would find out when I paid it off. OnXX/XX/XXXX I  paid off the loan with my debit card and when I went to re-loan I was told I could get up to {$900.00} and I could pay it off in 12 months at {$88.00} a month. After answering some questions about income which were the same questions I had answered in the past to get the {$500.00} loan I was denied the loan and was told I could ask for a loan on XX/XX/XXXX. At no time was I given the option to barrow a lesser amount. I called XXXX and spoke to a XXXX  and explained what had happened and I was basically told there was nothing they could do to over ride my payment to get a refund or barrow a lesser amount. Both my wife and I are both XXXX, my wife gets paid on the XXXX  of the month and I get paid on the XXXX Wed of the month. This has caused a financial hardship and cause us to lose close to {$400.00} in over draft fees which has caused us to not pay bills or buy my medication. Had I known I was not going to get the loan I would have never paid it off. I filed a complaint with my bank and as of today XX/XX/XXXX there has been no resolution.
Consumer complaint received 2021-09-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (MD)

I AM XXXX XXXX AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. MY PURPOSE OF THIS COMPLAINT IS TO GET THIS ACCOUNT VALIDATED PURSUANT TO 15 USC 1681A ( E ) OR PERMANENTLY REMOVE IMMEDIATELY. I AM A CONSUMER AS IDENTIFIED IN FDCPA 15 USC 1692A ( 3 ) AND I HAVE A RIGHT TO PRIVACY PURSUANT TO 15 USC 1681 ( A ) ( 4 ).
Consumer complaint received 2021-03-01
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 had a hard inquiry on Transunion that caused a 6 point decrease. Upon checking on it I found that on XX/XX/XXXX XXXX XXXX XXXX attempted to pull my file. I called XXXX @ XXXX and spoke to 3 different class of service providers and none can find my info under my name, ss, or phone number. I have XXXX accounts according to their records. Transunion will not dispute without 3 letters, one of which need to be from XXXX, who can not write me a letter due to they have never seen info on me, or a police report, or FTC. When reaching out to FTC it send me here. So what do I do now?
Consumer complaint received 2020-07-17
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: Army and Air Force Exchange Service (MD)

I have contacted the company and credit bureau twice in regards to this account and no response on the results or status. I have yet to receive original documents proving the the account is mines. This is defamation of character on their part and i am disappointed in this company for these inaccurate claims.
Consumer complaint received 2018-06-22
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Direct Recovery Services, LLC (PA)

My name is XXXX XXXX Direct Recovery Services The ref account # XXXX This company has a computer calling my work cell during regular business hours about a debt that is not mine. I think they got my number illegally.

I want it to stop.

I received text messages from my cell date and time fromXX/XX/XXXX @ XXXX XXXXXX/XX/XXXX @ XXXX XXXX They want XXXX XXXX to call this number XXXX  about a debt.
Consumer complaint received 2021-03-01
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: EQUIFAX, INC. (FL)

XXXX XXXX has been inaccurate late payment reporting to the credit bureaus XXXX, Equifax, XXXX .The account number from XXXX is # XXXX. I have sent proof of payment made from my checking account for the months inaccurately reported and still as of now they are still on my credit XXXX. The following months are the issue XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, ... .i have also mailed to CFPB the copy of both the initial complaint made to all three bureaus and also the 30 day demand letter to comply. As of today XX/XX/XXXX no correspondence or anything has been done .Please help me with this matter for this has caused a serious issue with my financial being to improve.
Consumer complaint received 2017-01-25
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (FL)

XXXX complaint - case XXXX Fedloan Servicing Account XXXX I paid off a loan originated on XX/XX/2013 and it continues to accrue interest and payments. I received a XXXX answer from my XXXX complaint that was unacceptable. I need HELP resolving this issue or will need to hire an attorney.
Consumer complaint received 2017-03-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Texas Guaranteed (TX)

Twice now my federal tax refund has been withheld in its entirety to go toward these student loans. However, my credit report reflects that while my entire refund was withheld, only a portion of that actually went toward the balance on the loan. 

My refund amount from 2016 was {$830.00}. My credit report shows the loan balance decreased by only {$400.00}. I have been unsuccessful in getting the collection agency to furnish proof / payment history on the account.
Consumer complaint received 2020-07-17
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. (MD)

I have contacted the company and credit bureau twice in regards to this account and no response on the results or status. I have yet to receive original documents proving the the account is mines. This is defamation of character on their part and i am disappointed in this company for these inaccurate claims.
Consumer complaint received 2020-07-17
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: TOYOTA MOTOR CREDIT CORPORATION (MD)

I have contacted the company and credit bureau twice in regards to this account and no response on the results or status. I have yet to receive original documents proving the the account is mines. This is defamation of character on their part and i am disappointed in this company for these inaccurate claims.
Consumer complaint received 2018-06-23
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: HEARTLAND PAYMENT SYSTEMS INC (NY)

My loan is not due to beginning accruing interest until XX/XX/XXXX, before which time I plan to pay off the entire principal. However, XXXX XXXX   took over collection agency and since then as been adding interest to the loan. I've called XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to speak with customer service representatives about this ( as I've received bills each of those months telling me I have to pay my loan within 2 weeks  ) and each time they tell me the problem is taken care of. Yet, each month the amount owed increases. I called again XX/XX/XXXX after receiving another letter with more money added to my principal and the representative told me there wasn't even documentation of some of my prior calls. I was informed that a special team is looking into it as I've been incorrectly assigned the interest ( confirming that their system shows I shouldn't be getting any interest yet ). I should have heard back within 2 weeks. It is now 3 weeks and nothing has been done. I've received no correspondence addressing my concerns or confirming that something has really been done after any of the times I've called. On the website, my profile lists no active requests or details showing that my account is being investigated. More money keeps being added to my principal ( in total {$320.00} extra ).
Consumer complaint received 2021-03-01
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. (FL)

XXXX XXXX has been inaccurate late payment reporting to the credit bureaus XXXX, XXXX, Transunion .The account number from XXXX is # XXXX. I have sent proof of payment made from my checking account for the months inaccurately reported and still as of now they are still on my credit XXXX. The following months are the issue XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, ... .i have also mailed to CFPB the copy of both the initial complaint made to all three bureaus and also the 30 day demand letter to comply. As of today XX/XX/XXXX no correspondence or anything has been done .Please help me with this matter for this has caused a serious issue with my financial being to improve.
Consumer complaint received 2021-03-01
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: CITIBANK, N.A. (MA)

I feel like I was treated unfairly with regards to my credit. I have worked very hard over the years to build and keep good credit only to have it slashed significantly in one day. I contacted several card companies pleading with them but to no avail. Ive never missed payment with these companies but they chose to decrease my credit limit thus impacting my score significantly. I feel very wrongly and unfairly treated.