davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-14
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: NAVY FEDERAL CREDIT UNION (CT)

Three years ago we began receiving debt collection phone calls to our new landline, XXXX. We finally learned, about a year ago, from repeat caller ( s ) debt was ( is ) owed by XXXX XXXX or XXXX ( unsure of spelling ) to Navy Federal Credit Union ( NFCU ). I am a long-time NFCU member in good standing. I contacted NFCU customer service XXXX and XXXX XXXX XXXX CEO of NFCU via corporate email requesting the debt collection harassment cease. I was told by customer service, XXXX XXXX had read my email, the debt collection attempts were made 'in house ' and that they would stop. 

We receive two calls a day from XXXX for XXXX XXXX or ( XXXX ). My spouse has repeatedly explained they have the wrong number. I have stated I would file complaints against the caller. The Debt Collector 's caller refuses to name the company they represent or provide any information supporting the legitimacy of their claim. 

On XX/XX/2018 I, again contacted XXXX XXXX XXXX CEO of NFCU using my email account. I, again contacted NFCU Customer Service. I answered the Debt Collector 's call and demanded details for his call including the name of the company he was representing. He stated he would not divulge any information and that 'we ' dialed the wrong number and would remove our number from his list. We've heard all this before ; as in over the past three years! 

I want the name of that debt collection company. I want monetary compensation for my time, aggravation and continued harassment.
Consumer complaint received 2018-07-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

The company named Portfolio Recovery send letter that i owe them {$1900.00} and the Date Report is XX/XX/2018. I send email dispute charge and i told them i do not own them any money. they keep calling to my phone and i block their phone number and i they send letter that they will give the case to law office. I sent the mail and ask them to stop contacting me and Treating me, also i do see i my credit report that they send their false claim to report to credit bureau.
Consumer complaint received 2021-03-04
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BSI Financial Holdings, Inc. (MI)

BSI illegally took late fees from me during a bankruptcy. Since filing the complaint with CFPB last year in XXXX. They have reversed the credit that they initially gave based me on the results of complaint XX/XX/2020, where they agreed this was not suppose to happen. 

You will notice in the attached exhibit where they rescinded the payment without an explanation. 

This is just many of the illegal practices. If the consumer does not watch out for themselves with debt collectors like this company it will continue. 

Please help me with this if you can.
Consumer complaint received 2021-09-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC (TN)

I have been receiving phone calls about a Debt that is owed to a Medical office out of XXXX Texas and I live in XXXX TN. I have never been to XXXX and I have never used this company 's services. I asked them to send me a bill in which they did.for {$5400.00}. I called the office and asked for the address to the Doctors office. That is when I found out that this is a Fraudulent company.
Consumer complaint received 2021-04-25
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: CITIBANK, N.A. (PA)

I've been a customer of Macy 's since 1982. Disgracefully, they have my credit limit at {$1300.00}. I wanted to make a furniture purchase that totaled {$1400.00}. My credit score is XXXX, my household income is $ XXXX combined, I lifted the credit freezes I keep on my account for safety reasons and they refused to increase my account despite a long and exemplary credit record with them. I believe this is due to my age and ethnicity - I'm XXXX  and do not fit the demographic they target in their advertising.
Consumer complaint received 2020-09-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (NC)

A little over a year ago I opened the discover card app & was offered a program that would freeze my card for 1 year. They agreed to lower my interest rate to help me get my balance down if I agreed to 12 months of automatic draft payments. The app presented this as an opportunity discover was doing to help me lower my balance. They said they would review my account at the end of the year but suggested that if I maintained my payments my card would be reinstated. I agreed thinking XXXX was being kind & reducing interest to help me lower the amount due. A year goes by & I completed their program perfectly. I spoke with a few reps thru their app and they said your account is being reviewed it should be turned back on soon. I called & spoke to that department today. They told me that because of other credit issues on my credit report ( such as medical bills ) they were not able to reactive my account until I took care of those other credit issues. Even though I have been a loyal customer with discover card for 18 years. I have kept up my payments with discover card for 18 years, they are refusing to reinstate my account until debts that have nothing to do with them are resolved. Had I known that Discover was going to do this to me I obviously would have never agreed to their program in the first place. I feel like they tricked me with false Promises to get me to agree to suspend my account & make a year of payments to them. I would have never agreed to this program had it been accurately explained to me. This program should not be offered thru their app but only thru a person as I was completely tricked. Obviously, even though I have been a customer of Discover for over 18 years & even though I have good payment history with them ... they must have considered me high risk and took an opportunity to trick me into a years worth of payments & me agreeing to never be able to use my card again.
Consumer complaint received 2022-04-05
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. (IL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2020-11-12
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CURO Intermediate Holdings (TX)

On XX/XX/XXXX I took out a loan from Speedy Cash for {$1100.00} ; due to be paid off on XX/XX/XXXX or pay a fee of {$640.00} every two weeks. On that same day I asked the representative assisting me how much would I have to pay if I wanted to pay the loan off in full on XX/XX/XXXX. She stated I would have to pay {$1100.00}. On XX/XX/XXXX I called Speedy Cash prepared to pay off my loan. I was given a higher amount of {$1800.00}. I told the representative I had been given an amount of {$1100.00} to pay and the higher amount would only apply if I paid after XX/XX/XXXX. She then said I had been misinformed and that the {$1100.00} amount would have only applied if I had paid the loan off on the same day I took the loan out. At this point I realized this was an obvious attempt to prevent me from paying the loan off. Because why would I take out a loan only to come back the same day and pay it off hours later? I was deliberately 'misinformed ' in a effort to make it impossible for me to pay the loan off. These are highly unethical and shady business practices. Speedy Cash has now turned my account over to a AD ASTRA, a collection agency with a balance of {$2400.00}, over half the amount I originally borrowed. I've contacted AD Astra and made a payment arrangement of XXXX XXXX/mo and have been paying this amount consistently since XXXX of this year. I have limited income because of the pandemic. This is an economic hardship on me and my family as I have had a drastic reduction in income. 

I recently filed a complaint with the XXXX XXXX XXXX and provided proof of the representatives annotations of the {$1100.00} amount that was due on XX/XX/XXXX. They refuse to address my complaint and only refer me to the collection agency. Speedy Cash has stated that they refuse to reduce the balance owed to the amount their representatives promised which is {$1100.00} minus payments already made. They have also told the XXXX  that the reason I am not allowed to pay the lesser amount is because I didn't have it paid by XX/XX/XXXX. 

But I was never offered a chance to pay the {$1100.00} on, during, or leading up to XXXX of this year so this was a blatant lie. Speedy cash made a deliberate effort to prevent me from paying off my loan by promising me I could pay off my loan on XX/XX/XXXX and avoid paying the {$640.00} fee as long as it was paid by that date. Then when I attempted to pay the loan off on XX/XX/XXXX I was told I would have to pay {$1800.00}, an amount I made clear to the representative the day I took out the loan, I could not afford. These are very deceptive and fraudulent businesses practice on Speedy Cash 's part.
Consumer complaint received 2023-01-28
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: CAPITAL ONE FINANCIAL CORPORATION (AR)

I used my CapitalOne card ( XXXX ) to reserve a hotel room at the XXXX XXXX XXXX XXXX in XXXX on XX/XX/XXXX, for that same night. Because I was in a truck and using my phone, it was difficult to navigate the confusing flurry of pushes from various travel marketers ( XXXX, XXXX, etc. ) and I inadvertently ended up in the XXXX portal. Despite several attempts to set the correct date, and my belief that I finally had the right ( i.e., same-day ) reservation, unbeknownst to me XXXX set the date for the following week ( XX/XX/XXXX ). 

Upon arriving at the hotel desk minutes later, I was informed by desk agent " XXXX '' that XXXX had instead booked me for XX/XX/XXXX, instead of XX/XX/XXXX. After a frustrating hour or so of attempting to communicate with XXXX overseas call center personnel, XXXX was able to cancel the incorrect reservation ( XX/XX/XXXX ) and booked me right then and there for the night- unfortunately for an additional $ XXXX compared to the price I expected. That cancellation was verified on XX/XX/XXXX by hotel manager " XXXX ''. 

Despite having cancelled the incorrect reservation within an hour of booking, XXXX has refused to refund the {$200.00} charge - EVEN THOUGH THEY DID NOT PAY THE HOTEL. Despite an extended conversation on XX/XX/XXXX with their Transaction Support Center ( i.e., dispute department, CSR " XXXX '' ) CapitalOne has not been able to make XXXX do the right thing. Regardless, that's what credit card companies are required to do - protect their card holders / customer.
Consumer complaint received 2023-04-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Atlanticus Services Corporation (FL)

In Accordance with the Fair Credit reporting Act Aspire Card  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 : II also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2021-04-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (WA)

AMEX abruptly canceled two of my credit cards and eliminated all my reward points while denying payback for unused Annual fee. Over {$1300.00} is LOSSES and problem escalated to CEO XXXX XXXX who ignored my direct request for : 1. Arbitration 2. Written transcript of " allege '' comments 3. Reimbursement of LOST reward points, Annual fee, and blue of credit score dropping over XXXX points. 
XXXX. Cancelation of two Credit Card accounts AMEX XXXX XXXX  and Hilton Honor ) XXXX  - xxx- XXXX ; Hilton Honor - XXXX ( BOTH accounts closed in XX/XX/2021 XXXX. 

Unethical to make an accusation and NOT give a 20 year customer any communication or or evidence or opportunity to resolve conflict. 

CEO Mr XXXX has been notified who once personally thanks me for giving feedback to AMEX and now ignores me complete. AMEX " lower level assistant '' ignore written feedback and won't identify them selves. Elementary and bullying agency after 20 years of commitment.
Consumer complaint received 2020-11-12
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: CAPITAL ONE FINANCIAL CORPORATION (NC)

XXXX - complaints - Is Closed but not resolved. 

I am filing a complaint with Consumer Protection Bureau against Capital One and XXXX. I didn't authorized this {$50.00} charges and when I first bought the one year subscription I did it using Capital One XXXX application, so I don't know how XXXX got my credit card Information. It looks like Capital One is selling customers Information. I contacted Capital One to dispute the charged but they told me that XXXX is a preferer merchant, that they can get my information even if I don't authorized it. Attached are all the documentation that I had tried to fix the issue with Capital One and XXXX. Please help.
Consumer complaint received 2022-04-05
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (PA)

The vehicle was given up as a voluntary repossession after the transmission gave out and the dealership refused to cover it under an extended warranty we paid for. After repossession the auctioned off the vehicle and initially removed this amount from the remaining balance of the loan. After multiple years of trying to work out a deal, they removed all liability from the primary account holder and reinstated the full unpaid amount back onto my credit report, as if they had never auctioned the vehicle off at all.
Consumer complaint received 2021-08-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Google Compare Credit Cards Inc. (CA)

In XXXX  XXXX XXXX charged me after cancellation of a free trial. XXXX XXXX ( unregistered shell ) was the alleged app billing. I removed access to my debit card after being bilked and double cancelled in the app itself. These fraudulent charges show up on sundays (? ) Then they just trap you and refuse to refund the money to your bank account. XXXX 2= XXXX
Consumer complaint received 2020-11-03
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (NC)

I was denied for a credit card and Synchrony can not explain why. I have an Ashley Furniture credit card through Synchrony Bank that I have had for a little over a year. My minimum payment every month is {$28.00} and I pay at least {$50.00}, and it is always paid early. I only have {$400.00} left on the Ashley Furniture balance so I applied for a credit card at Rooms to Go through Synchrony Bank in order to purchase new living room furniture. I received a letter on XX/XX/20 stating my credit application was denied due to " unsatisfactory payment history with Synchrony ''. I called their customer service number immediately and was advised that they have no access to my credit report and my only recourse was to write a letter to dispute the denial or call the credit bureaus. I asked if there was another department I could call to talk to someone, as I want to make sure my questions get answered and I was advised by the customer service rep that they do not have a phone # to provide me. 

I obtained all 3 of my credit reports immediately after speaking with the agent ( on XXXX ) and ALL of my reports show NO late payments on ANY account, and my credit reports show that I am an excellent risk. I take pride in maintaining a high credit score ( currently over XXXX ) and making all payments in full and earlier than the due date. Additionally, the denial letter states the reason for denial is unsatisfactory payment history WITH Synchrony - they should be able to look into my payment history and tell me what the unsatisfactory history is, because all of the credit bureaus indicate that I have paid Synchrony on time always ( which I have ). 

On XXXX, I logged into my account online and " chatted '' with an agent. The agent told me to call the application department and provided a phone #, however, the agent was also unable to tell me what my " unsatisfactory payment history '' was. The agent then transferred my chat to a manager who told me the same thing - they could not advise why the application was denied and that I needed to contact the credit bureaus. I advised the manager that the credit bureaus show excellent credit and no late payments, so I wasn't sure what I would even ask them/say to them. The manager told me that they make their decision based off of the credit bureaus and I again told him that the credit bureaus show near-perfect credit. I asked the manager who ultimately makes the final decision whether to approve or deny the application and he advised me that Synchrony does in fact make the final decision. But no one can seem to explain why my application has been denied and I am continuously directed to the credit bureaus. Synchrony made the decision to deny my application and they can not explain why.
Consumer complaint received 2020-09-17
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: EQUIFAX, INC. (SC)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2018-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Receivables Management Partners, LLC (MI)

I have several collection accounts with this agency and it should be from XX/XX/XXXX. However it was reaged to XX/XX/XXXX ... When the creditor took it over. This account has been illegally reaged.
Consumer complaint received 2021-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Optimum Outcomes, Inc. (CA)

XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$510.00} OPTIMUM OUTCOMES INC XXXX Balance Owed : {$3500.00} XXXX XXXX XXXX XXXX Balance Owed : {$770.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2021-03-04
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. (NV)

I was a resident at XXXX XXXX from XXXX and had made numerous complaints and requests concerning a neighbors barking dog at all hours of the day and night. Per their policies, tenants are responsible for their pets causing unnecessary noise and large dogs are forbidden on complex grounds. This was a very large aggressive XXXX that barked and howled repeatedly. I made numerous complaints to the management and even attempted to contact the owner of the dog. The management instructed me to write a letter stating the nature of the complaint in order for to take legal action against the owner of the dog. I even contacted the local XXXX XXXX ; their contracted security personnel and repeatedly visited the office concerning this issue. After my letter was written, the management took no action against the owner of the dog. I am a XXXX veteran with XXXX and my VA appointed XXXX wrote 2 letter for me to get an XXXX XXXX animal due to the stress of this dog causing me lack of sleep and a poor quality of life. My lease came due and I initially refused to renew my lease and then the management stated they would move the owner and dog across the complex which they did not follow through. With my doctors letter and for my sanity, I moved out of the complex. This was discussed several times after my move with the owners of the apartment complex, which resulted in nothing being done.