davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-14
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (NY)

I opened a value city furniture account with synchrony bank back in XXXX of 2019. My credit limit was granted for {$3000.00} and my full purchase would of been higher then what I was approved for so I decided to just get the 2 sofas I needed and then pay down my account and purchase the living room table down the road. I have never missed a payment and never late, last week I logged in to purchase the table I wanted and noticed my limit was decreased {$500.00} which now I wasnt able to make the purchase and worst of all this effected my credit drastically!!!! Im down 20 points. I never received a letter or email in regards to this change and the only option Im given is to ask for a credit increase ( based on my credit ) which isnt fair as the decrease in rating will effect the increase and add another inquiry. How is this morally okay? Or why would you do this to a customer who makes sure to pay their payment on time every month
Consumer complaint received 2020-12-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

XX/XX/2020 my account frozen. it's 6 months now and after cooperating still refuse to close my account or release my funds. i recieved a no obligations grant for application of loan covid relief. loan denied but grant recieved. i sent in all supporting documents. investigators refuse to speak with you return calls or messages.
Consumer complaint received 2020-12-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CO)

paypal steal my money, They took the money out of my balance without authorization and notice because I had violated Acceptable Use Policy violation.It 's ridiculous.For this reason they have frozen my funds for 180 days.During this period, the money was not refunded due to buyer 's refund, This is enough to prove that there is no risk when trading.But they still took my money.What right do they have to take my money? PayPal is just a method of payment, They stole my money for some invented reason without any damage to the interests of the buyers and sellers. They are robbing me
Consumer complaint received 2020-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN HONDA FINANCE CORP (FL)

I pulled a copy of my credit report and notice information from American Honda Finance on my credit report that should not be there. I reached out to the credit bureaus to do an investigation XX/XX/2019 ( please see attach letter entitled bureau investigation ' ) and the bureaus respondedXXXXXXXX stating that American Honda Finance verified the information as reporting correctly. ( please see attach response from the bureaus entitled 'bureaus initial response ' ) I then reached out to American Honda Finance directly XX/XX/2019 after I received that letter from the credit bureaus. ( please see attach letter entitled XXXX letter sent ' ). To date we still have not receive a response from America Honda Finance and we know they receive the correspondence sent XXXX please see attach signed green return receipt ).
Consumer complaint received 2023-01-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc. (FL)

I received a notifications on all of my credit reports regarding a debt collection that National Credit Systems placed in my credit reports. This is regarding a apartment complex that my daughter rented an apartment called XXXX XXXX in XXXX. I have not received any form of communications from either the apartment or the Collections Company and I want this removed from my credit report for that reason.
Consumer complaint received 2021-08-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX, I deposited a {$10000.00} Cashiers Check, in person, into my savings account at bank of America. The deposit receipt printed at the time stated that the funds would be available on the next business day. 

On the next business day, a notation in my account XXXX on my phone app ) said that NO funds would be available until XX/XX/XXXX. 
If I had known this at the time of deposit, I could have made other arrangements, eg, made a cash deposit. 

After calling the bank on XX/XX/XXXX or XX/XX/XXXX, on XX/XX/XXXX I went in person to resolve the problem. The representative at the bank said she had no authority to release any of the funds and had no reason for the hold. She called an internal number at bank of America, was put on hold while I waited, and then was told that the bank was no longer accepting calls on that line. The representative told me to return on Monday XX/XX/XXXX. 

Over that weekend, due to my inability to access my bank of America deposit, four items were bounced on another bank of America account. On Monday XX/XX/XXXX, I insisted in person that B of A resolve the issue and let me know why the unreasonably long hold was applied on my Cashiers Check deposit. 

The representative again called an internal number and was eventually able to get through to someone who refused to give any reason for the long hold, but who released the funds to me after my insistence. 

This caused me distress and wasted hours of my time. The hold appears to be in violation of FDIC regulations, as this account is seasoned. Per my reading of the regulations, {$5000.00} of the {$10000.00} deposit should have been available after the check cleared that evening. 

If Bank of America has violated the regulations regarding this deposit, what are the consequences it faces? Can I get compensated for my distress and hours of my time spent to resolve this?
Consumer complaint received 2020-12-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AL)

A credit card was fraudulently opened in my name around XX/XX/2016 and charged up to XXXX. I was not made aware until I checked my XX/XX/XXXX credit report due to the credit breach. I notified the current account owner XXXX XXXX XXXX  XXXX. who received my police report and agreed to delete the account from my credit profiles. The account was later sold to Portfolio Recovery Associates, LLC who then began re-reporting the account. I have been harassed for over two years by this company who keeps giving me conflicting information. Due to my information being apart of the data breach XXXX has recently removed the collection but Portfolio Recovery is still reporting to the other bureaus and refuse to remove all account history no matter what. I would like this to be resolved before I am forced to proceed with legal action due to the negative affect this has caused in my home purchasing process.
Consumer complaint received 2017-07-30
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

I received a phone call from one of my supervisor 's ( I am in a federal training program ) called me and informed me that someone was trying to get in touch with me and I only had 2 hours to return the call otherwise they were going to take further steps of action. Out of fear, I did return the call and it was a group called the XXXX XXXX XXXX out of California wanting me to make arrangements to pay off a debt that is not mine. Said they were representing Capital One Credit Card Company. I decided to pull up my credit report and also found where a credit card with the same company had been opened or {$300.00} 's and then paid off so apparently who ever is doing this has done it before. Supposedly the account was opened up in XXXX ( I think this is the date they told me it was opened. I was so upset I am not sure ) and paid on regularly until XXXX and then stopped paying on it. They threatened to freeze my bank account. I am on XXXX and can not afford to have my account frozen. They tried to get me to agree to pay off a {$310000.00} 's with a one time payment of {$900.00} payment and emailed me a contract pertaining to that. I have the phone number which they contact me on and there is a different phone number on this so-called agreement they sent me but no address. The first phone # is : XXXX. The phone number on the supposedly agreement is : XXXX Fax # : XXXX.
I kept trying to explain to this person that it was not my account. You can pull up my credit report and see that. Except the one I just found from Capital One which has apparently been paid off in full which I did dispute.
I contacted Capital One myself and I am waiting to hear from them within 48 hours.
Consumer complaint received 2019-03-04
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nelnet, Inc. (FL)

I was under the impression that I was in a student loan forgiveness program. I paid {$120.00} ( XX/XX/XXXX ) and {$130.00} ( XX/XX/XXXX ) to XXXX XXXX ( paid to XXXX in bank statements ).
Consumer complaint received 2024-03-23
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (IA)

Well this is about the Wellsfargo overdraft lawsuit, I have been a customer since XXXX and have had my fair share of problems with them, but the issue I had on a number of occasions was when I would have written a check and it didn't go through right away or was held they would make sure the largest item went through first so every single thing after that ended up being overdrafted no matter how many there was, I remember one time XXXX  small XXXX dollar chargers i was charged XXXX {$35.00} overdraft charges and it has happen to many times, now it has been awhile since this has happen because I have smarted up to there practices but it happed several times over those years of being short on money and that is not all the problems I have with them it goes on and on and so far the only thing we have received from them is about them opening accounts with out our permission nothing about overdraft or anything else. Now I have 5 accounts with them for accounts in which I am talking about I can't really go back that far to look at them but I know they can
Consumer complaint received 2019-03-06
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: Midwest Recovery Systems (NE)

Midwest Recovery Systems at XXXX is reporting on a settled debt on my account and demanded XXXX to stop reporting on it and they do not own this debt. The debt was sold from XXXX to XXXX XXXX XXXX and they have also tried reaching out to Midwest recovery systems telling them they should not be reporting and this account has been settled in full. Midwest told me they would not remove reporting of this debt they do not own unless I give them 1600+ dollars.
Consumer complaint received 2019-03-04
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. (VA)

On XX/XX/2019 I called XXXX and spoke to one of their representatives I informed her that XXXX erroneously reported that my account was in collections. I informed her that I do not have any accounts in collections. She was rude and less than helpful. I placed a called to Equifax and they informed me that XXXX reported to them in XX/XX/2019 that I am 188 days late on my account and its in collections. He looked further into my record and he said how could they report that when it says your account has been paid and its closed. He then opened a dispute. I then called XXXX back and the rep I spoke apologized. She stated it would take 30 days to have my reports corrected. That is unacceptable and all three credit reporting agencies were given the same information.
Consumer complaint received 2019-03-04
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. (TX)

There is a collection on my credit report, reported by XXXX XXXX that originated with XXXX XXXX XXXX for a home that I rented through them. We were there throughout the term of the lease and had complained several times that the home was bug infested. Once the term of the lease had ended, I did a walk thru of the home with the Landlord and was told that everything looked fine. I then received a letter that I would not receive my security deposit back and that the home was damaged due to a bug infestation. According to Texas Lease Law - the Landlord must send me the balance of my security deposit along with a list of damages and costs for any repair. I have never received an itemized list nor do I have any idea of how they came up with this balance owed. This is a violation of the lease law and I request that this item be deleted from my credit report.
Consumer complaint received 2023-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

They are reporting this account and have removed it and put it back on my credit report, there was no letter to me within 5 days why it was put back on, this is a violation of FCRA. I need that letter and I need the documents that they say verified the entry. 
The company has never verified or validated this debt. I need the full investigative report, period. 

THIS CRA IS IN COLLUSION WITH THE DEBT COLLECTOR AND THEY ARE BOTH IN VIOLATION OF FCRA AND FDCPA. 

MY RIGHTS ARE BEING VIOLATED.
Consumer complaint received 2021-09-20
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation (IN)

On XXXX I made a payment of {$190.00}. On the reverse side of the bill it stated that I could make a " principal only '' payment to save money. I followed their instruction and paid {$190.00}, the receipt said my balance was a total of " {$5700.00} ''. When I made my payment the following month ( today XXXX ) the balance went it to XXXX. She stated it was because interest payments need to be made with principal only payments. That was never told to me. Furthermore it doesnt make sence for me to pay my bill, only for it to increase the next month. I feel they do this intentionally to charge more money.
Consumer complaint received 2020-12-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CA)

I have submitted a dispute to Citibank about a charge of XXXX $ charged to my credit card on XX/XX/XXXX, but Citibank refused to investigate my dispute, they also refuse to credit my account for this charge. they also refuse to discuss this dispute. 
they have raically abused me over the phone, they called me " XXXX XXXX  XXXX '' on XX/XX/XXXX around XXXX pm over the phone. 

The actions of citibank violate federal fair credit act, and I ask that Consumer Financial Protection Bureau take action against citibank to santion them for racism and violation of federal Fair Credit Act.
Consumer complaint received 2017-07-30
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. (TN)

Someone is using my personal information to abuse my credit. My drivers license have been stolen, my social security card have been stolen. The spelling of my name is being used as XXXX XXXX XXXX, XXXX XXXX XXXX. Someone have a address in XXXX XXXX XXXX XXXX XXXX XXXX, XXXX MI XXXX. I recently received a copy of my credit report from XXXX. The date of receipt was XX/XX/XXXX. The FBI told me to pull all of my tax transcripts, credit report. With the help of Consumer Financial Services Bearua I finally got my credit report to learn of this. I have no idea who live in Michigan. I have never lived there, nor have I ever visited there. An extended fraud alert had been placed on my credit report, without my permission. The expiration date on the report was XX/XX/XXXX. It was placed on the report XX/XX/XXXX. Checks was being ordered and written using my personal information. The banks I had accounts with are XXXX XXXX XXXX -XXXX, some of the check numbers are XXXX {$700.00} - $ XXXX $ XXXX $ XXXX {$150.00}. XXXX $ XXXX $ XXXX- XXXX XXXX- $ XXXX- $ XXXX {$10.00}. A check was created in my name on a department of labor check. The routing number is XXXX, check number XXXX {$260.00}. There are a series of inquiries on my credit report from XXXX. There was a periodic review of my credit history by one of my creditors per XXXX. Several rental car companies regarding debit card acceptance. My medical records are being used. Inquired are being made. My social security number have been blocked by the social security department to prevent continued abuse on line. This was done for my protection from whom ever this person/persons are. Checks have been written to pay XXXX XXXX XXXX /account number XXXX. Checks was being ordered and written for XXXX XXXX account number XXXX & XXXX XXXX account number XXXX. This loan was refinanced while I was under wage earner in XX/XX/XXXX. The wage earner case number I was discharged from in XX/XX/XXXX is XXXX. Originally filed XX/XX/XXXX-discharged XX/XX/XXXX. I paid the courts {$18000.00} in XX/XX/XXXX from a settlement I received from a XXXX XXXX law sue I filed in XX/XX/XXXX. My former employer XXXX XXXX XXXX XXXX amended and restated all of my tax returns and made themselves my conservator. The XXXX XXXX began to prepare my death.
Consumer complaint received 2021-08-16
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. (OK)

Now in the XXXX ( a ) prohibits a company from furnishing inaccurate information to a CRA. XXXX XXXX is reporting inaccurate information on my credit report. Please see attached the information and proof of inaccurate reporting, Please DELETE this information on my credit report. They are currently reporting twice on my Equifax credit report which is a FCRA violation ( please see attached proof ), the have reinserted this account back on my XXXX  credit report without written notice, which is a FCRA violation. On my credit report, the account number changed from XXXX and XXXX, and XXXX now to account number XXXX in a matter of a couple of weeks. I didnt get a written notifications that this was changed or anything. They have also changed the portfolio status from one company, XXXX XXXX  XXXX XXXX  to now XXXX XXXX XXXX XXXX. Also see highlighted that the address had changed. Please attach the proof of inaccuracy when it comes to this account on my credit report. The information that they are reporting to the credit bureau is not accurate and i have attache proof that they are violating the FCRA. A proper investigation is not being done to correct this reporting. The last date active is all different, the date opened is different, and on Equifax is showing its late 120 days with a balance in collection. The reporting again is inaccurate. 
XXXX  and XXXX  was unable to properly verify that the reporting information on this account is correct. I know all three major bureaus falls under the FCRA guidelines. Please tell me how Equifax is different?
Consumer complaint received 2023-02-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Velocity Portfolio Group (NY)

My letter sent certified mail on XX/XX/2023 was delivered and signed for on XX/XX/2023. I have requested validation of debt, and to this day have not received this from the company. This debt is reporting inaccurately on my consumer report.
Consumer complaint received 2021-09-20
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. (TX)

I have disputed a collection from XXXX XXXX XXXX a total of XXXX times to Experian Credit Bureau stating this account does not belong to me. My 4th dispute sent via certified mail, Experian received it on XX/XX/XXXX at XXXX. On XX/XX/XXXX at XXXX Experian notified me via email that my dispute was open. On XX/XX/XXXX at XXXX, just a few hours later I received an email stating my dispute results were ready to view. I reviewed my credit and my score dropped even more. XXXX XXXX XXXX reported to Experian the beginning balance was {$8500.00} to {$8300.00} in the month of XXXX as if a payment had been made to them which is absolutely absurd. I have never made a payment to this company nor ever had an account with this company. There is not an inquiry on my credit report to support XXXX XXXX XXXX accusations. I submitted my credit report to show proof from other bureaus that my credit worthiness is outstanding and that there are no collections, {$0.00} balances on every account that I pay in full monthly and never late on my report. This collection has hurt my score tremendously. Experian has failed me as a consumer. There absolutely was no investigation and Experian Credit Bureau never verified this dispute that was submitted over 90 days ago. My dispute letters to Experian are as follows : XX/XX/XXXX... XX/XX/XXXX... XX/XX/XXXX... XX/XX/XXXX. Experian has 30-45 to verify but yet my disputes were closed in less than 30 days. No investigation nor verification by Experian Credit Bureau.
Consumer complaint received 2021-09-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical Data Systems, Inc. (GA)

They call all hours before XXXX after XXXX. Insurance did not pay as they should so paid debt in full both {$740.00} plus {$72.00}. It was paid on XX/XX/XXXX cleared on XX/XX/XXXX. Paid by credit card. I have proof. Called company and disputed with XXXX and XXXX