davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-10
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CA)

I rent a apartment in XXXX XXXX XXXX XXXX : XXXX. When I moved out, I cleaned up my room and utility appliances with a professional standard, All rooms carpet and appliances very clean and spotless. 

Based on lease contract item 20 Cleaning, I had a professional cleaning for all Utilities appliances and carpet and leasing Office staff checked and very satisfied, so XXXX XXXX XXXX had no reason to charge a carpet {$70.00} and cleaning {$160.00} for me. 

XXXX XXXX XXXX was managed by XXXX. XXXX sold the debt {$210.00} to COLUMBIA DEBT RECOVERY LLC DBA Genesis I tried to contact with XXXX and XXXX XXXX XXXX, and Genesis through XXXX, but all they didnt respond. 

This is a invalid debt collection. I attached all documents related this case.
Consumer complaint received 2021-09-09
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: Experian Information Solutions Inc. (VA)

I had a car loan with XXXX XXXX XXXX but the car and the responsibility for payment was awarded to my ex wife in the divorce. When it became known to me that the payments were in default and collection activities had began i called in to report the location of the vehicle so that they could pick it up before any damage was done. I was told that i could not make any changes to the account in any way since i was not a member of the credit union. The account access was given to my ex wife only who had moved without reporting her address. Several months passed before they would talk to me about the account outside of demanding payments. I assisted in the collection of the vehicle even though the court specifically stated i had no further responsibility for it or any debt associated with it. They collected the vehicle and keys voluntarily and sold the vehicle but was not able to get the value for it because it had body damage at this point and had depreciated over the course of the year it took me to get it for them. They then demanded the rest of the loan balance from me and i submitted the divorce decree. I also paid for credit repair to help clear things up after the divorce. They just wrote it off as bad debt and let it sit in my credit for years. My ex wife has since claim bankruptcy and this should have been on it.
Consumer complaint received 2017-04-20
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Concentric Receivables Management, Ltd. (TX)

I 've tried disputing a fraudulent collection account on my credit report. I 've sent letters to the agency and have gotten little response. My official complaint is against??? for reporting credit information to the credit reporting agencies that was a result of Identity Theft I 've asked in my letter that the negative reporting ceases and the information be removed from my credit report.     I want the negative credit reporting to cease and for the collection account to be deleted from my credit report
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have recently checked my credit report and noticed some inaccurate accounts reporting. 

XXXX XXXX XXXX XXXX {$3200.00} XXXX  XXXX ( CLOSED ) {$4500.00} XXXX XXXX XXXX ( CLOSED ) {$1000.00} XXXX XXXX XXXX ( CLOSED ) {$4000.00} XXXX XXXX XXXX XXXX ( CLOSED ) {$4300.00} XXXX XXXX  ( CLOSED ) {$6500.00} XXXX, XXXX. ( CLOSED ) XXXX  XXXX ( CLOSED ) {$11000.00} XXXX XXXX XXXXXXXX XXXX ( CLOSED )
Consumer complaint received 2020-10-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: HSBC NORTH AMERICA HOLDINGS INC. (LA)

Back in XXXX I opened up a new HSBC credit account and I set it up on auto pay in the month of XXXX on the XXXX day of 2020 before my payment due date & to my knowledge auto pay was to take effect immediately as I receive a confirmation email saying it was set up & supposed to pay my bill for the month of XXXX. I take my credit and credit scores very seriously and I was shocked to realize that my autopay did not go thru as it was confirmed to be active so once found out I called in XX/XX/XXXX to see what was the problem & I spoke to a gentleman by the name of XXXX and i was very taken back by tone his inaptitude to help me and as I explained to him my situation and how I did have auto pay set up prior to my payment which he confirmed was correct but he stated that it takes sometimes a little longer to take effect I was unaware of this because once I set it up it sent me a confirmation email stating it was active. I told this employee how it was now effecting my credit score and showing as a 30 day lateness and my credit dropped from over 800 to under XXXX dropped my score about 90 points and I am trying to refinance my house not to mention the pandemic and the cares act saying these types of negative reporting practices should not be taking effect. I am also a veteran and have a perfect payment history and all my accounts are on auto pay and I have never heard of such a ridiculous thing like it takes more than a month to take effect & however had I been disclosed this information I would have gladly set up other arrangements. but that was not the case and XXXX was very rude and he even was laughing at my misfortune I think his attitude changed drastically once I mentioned I served our country. so right now this really effecting my life I already tried to dispute this only to get no where and I would like to file a formal complaint here with the CFPB before I take legal action because the effect on my interest rates with be so drastic I will have no choice but to take legal action. I ask you to look into this and also the practices this gentlemen used during our conversation which he belittled me and insulted me like I have never expierenced in my life this has cause a tremendous amount of emotional stress and it has effect my home life because now we are in jeopardy of not being able to refinance our mortgage which if it falls through will me and my family for years to come. I believe HSBC is at fault and so does my attorney so I would like to immediatly remove this inaccurate late payment because they did not disclose the length of time it takes for auto pay to kick in. As required by the statues of your complaint laws I would like this investigated and off of my report with 15 days if that does not happen I will have no other option than to take legal action
Consumer complaint received 2017-04-21
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC. (FL)

Equifax is reporting old information in which according to FCRA are old accounts and they can be removed from my credit file. I requested via fax again for the removal of the old creditors and the old accounts have n't been removed. These are the following accounts in which I am asking to be removed from my credit file.     Account   XXXX   XXXX    XXXX  I am no longer liable for this account.     Account  XXXX   XXXX  I am no longer liable for this account.     Account  XXXX   XXXX   XXXX  I am no longer liable for this account.     Account   XXXX   XXXX   XXXX   XXXX    XXXX
Consumer complaint received 2021-03-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

This is a formal complaint against Capital One XXXX  XXXX 1.5 % cash back credit cards. I believe that Capital One Credit Card practices are unfair and out of touch with real people. Apparently, the algorithm that was set up and being used by Capital One to automatically approve or deny a consumer 's request for a credit limit increase is unfair and flawed. I have been trying for three years to get a credit limit increase above my current {$1500.00} and have been rejected by Capital One almost 10 times. I have a credit score of XXXX or more, make over {$200000.00} annually, and make all of my payments 100 % on time, but I can not get a credit limit increase from Capital One, not even for {$500.00} additional. Among the lame reasons for rejection is that I haven't used the credit card enough to warrant an increase. This is false, because I use the credit card everyday. And since I can't get a credit limit increase, I can't use the credit card to make bigger purchases, just small purchases. 

I contacted Capital One today on XX/XX/2021 and was told by an Account Executive at XXXX, Florida that there was no one or no actual person that would be able to assist me to make an assessment to increase my credit limit and override the established process, and that the approval/denial process is automated and can not be altered. 

I want to know how many requests for credit card limit increases have been processed by Capital One, what is the percentage of those that have been approved or rejected, and what are those consumers ' credit scores and salaries? Because, I don't think I'm being treated fairly.
Consumer complaint received 2018-01-24
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (LA)

I filled a inquiry with Experian in reference to an unauthorized credit inquiry that i did not do on XXXX/XXXX/17 with XXXX XXXX/XXXX XXXX. Experian sent out the investigation request and answer was to be given back in 30 days showing that i authorized XXXX XXXX/XXXX XXXX to pull a credit iinquiry, they did nit respond, Experian gave them another 30 days and yet again XXXX XXXX/XXXX XXXX did not respond, so the inquiry was removed off my credit report. I received a copy of my credit report showing that XXXX XXXX/XXXX XXXX is back on my credit report for the same inquiry date. I did not authorize that inquiry, i do not have an account with XXXX XXXX and i was not notified that it was going back on my credit report.
Consumer complaint received 2023-01-10
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: Experian Information Solutions Inc. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXXXXXX Balance : {$670.00}
Consumer complaint received 2018-01-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: SUNTRUST BANKS, INC. (DC)

Having enough in my account from my retirement XXXX every since I open up this account constantly been accessed fees that were inappropriate due to abuse of power by the president at the bank also based on stigmatized and sterotyped being of another race. And taking me like I am stupid and constantly every month being charged excessive fees that were deemed to be access to my account ; Suntrust bank on XXXX XXXX in XXXX pk XXXX XXXX XXXX XXXX. facing biases.
Consumer complaint received 2018-01-23
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: EQUIFAX, INC. (GA)

i have reached out to Equifax on several attempts in the last 6 months to rectify my credit. I have sent certified letters that reflect letters have been received. I have had no success with speaking with or in writing.
Consumer complaint received 2018-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (AZ)

XXXX XXXX  has refused to provide any information such as an account number since they took over the billing for XXXX XXXX. They have put negative reports on our credit stating we have not paid. Each time I call to get information on the account, I am told the only way to get the account number is to reapply with for their credit card. I explain to them I will not pay a bill to just " some company '' calling me stating they have taken over the account that I need something in writing with an account number. I have been going through this since XX/XX/2017 only to be back at square one. Negative credit reporting and no proof of account. As I have told them, if they look at the payment history- this account was NEVER late until they took over and left no option to provide proof if they are a legitimate company. They are willing to take a payment, but provide no proof of my account.
Consumer complaint received 2022-03-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (MN)

All of my student loans originated prior to the 10 years requirement of making payments prior to having my student loans forgiven. ( student loan time frame XXXX XXXX and XXXX XXXX ). During that timeframe, the requirement was to provide civil service work for approximately 5 years and your loans can be forgiven. 
In which I had accumulated over 8 years of civil service work : - Three years as a XXXX XXXX  ( XXXX XXXX prison XXXX XXXX ) - 1 year as a XXXX ( XXXX XXXX ) - 4 years in Non-profit work ( New Concept Self Development Center XXXX and XXXX XXXX of XXXX Wisconsin XXXX XXXX XXXX I inquired about the student loan forgiveness program and have even submitted a complaint through CFPB. 
CFPB complaint filed against student loan servicer ( Case number XXXX ) Filed a complaint with the XXXX XXXX XXXX XXXX XX/XX/XXXX ( Ombudsman Case number XXXX ) regarding excessive interest being charged to my student loan balance. The final result was XX/XX/XXXX The XXXX XXXX XXXX  continued to extend forbearance offers A complaint with CFPB ( complaint ID XXXX ) filed on XX/XX/XXXX regarding dealing with Navient From XXXX XXXX XX/XX/XXXX, XXXX constant forbearance options offered and approved. Although I inquired about other student loan forgiveness options due to having 8 years of working in a public sector. 
In which I have now over XXXX in interest accumulated to my total student loan debt. 
Each request and material asked regarding student loan forgiveness programs were ignored or just declined.
Consumer complaint received 2017-04-20
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: AES/PHEAA (IN)

My private loans are serviced through AES. I lost my job in  XXXX  and have been struggling to make my payments. I was finally able to file for a loan modification. After spending {$45.00} to overnight the information ( which wa s 50+ pages ), I was to ld that not everything was turned in correctly and that they needed more information. I called  FOUR different times, talking to FOUR different representatives that all told me something different on what other information I needed to send in. I was assured that the information I sent in the last time was correct. While still waiting to find out a decision I called tonight and was told once again that I did n't have the correct information, which now it is past the 10 day period to turn in additional information and I 'm being told I would have to start all over. While in this state of trying to get my payments lowered, they have since increased my payments again. I have no idea how I am expected to pay almost {$600.00} a month when I am not working and only have my husbands income. It is so frustrating to do everything you are told to do and still they find another excuse on something that was not turned in. For example, my grandfather is my cosigner and I had to send in all the student loans he is on. The only loans are through AES and I have printed statements for both my sister and myself and I 'm now being told since they do n't have his name on them it 's not good enough. When the loans are serviced BY AES and tha t 's who I 'm trying to get the modification though!! I 'm guessing the only thing I can do at this point is stop paying them a nd hope that when I default they will accept a reasonable amount of money each month instead of almost 2 weeks of pay. And I really hope for all the other poor people trying to get help that they train their employees to be all on the same page and not  give someone a different answer every single time they call in.
Consumer complaint received 2019-03-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (PA)

My Funds are on hold. My funds are always placed on hold pending confirmation of delivery of the item and the following day the funds are supposed to be released. While I never agreed to these terms, Paypal continues to change or create additional and longer hold times that are exceedingly and excessively long. 

The funds for 2 transactions that have been Confirmed delivered, one confirmed XX/XX/2019 and the second XX/XX/2019 have met the terms and for whatever reason these funds are still on hold! 

( I'm attaching screen shots to demonstrate this point ) Paypal continues to Hold funds, and prevent me from conducting business. 
I have a 99.6 % seller satisfaction rate, and no complaints or other account issues, and still Paypal continues to place longer holds, and violates it's own terms for funds being made avail ; able. 

HOW CAN A COMPANY CONTINUE TO VIOLATE THE TERMS IT SETS AND GET AWAY WITH IT? 

THEY CHARGE ME IMMEDIATELY WITH THEIR FEE AND PROCEED TO HOLD MY MONEY! 

I am filing complaints with the FTC, XXXX, and EVERY OTHER AGENCY until Paypal is held accountable for abusing their power and preventing people from accessing their own money! Anybody else did this it would be called theft! 

SOMEONE NEEDS TO INVESTIGATE THIS CORRUPT COMPANY! 
THANK XXXX XXXX IS DROPPING THIS CRIMINAL COMPANY. INVESTIGATE PAYPAL!!!
Consumer complaint received 2022-08-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I sent letters to dispute negative items on my credit report on XX/XX/2022 and TransUnion responds with an illegal stall letter that I am attaching copies of. I as a consumer have the right to dispute anything on my credit report and by law they have to do the investigation. This is not the first time they have sent this illegal letter. I am hoping that since they do not want to do their job maybe the cfpb wants to do theirs and make them do the investigation. The letter was sent to me on XX/XX/2022 so they have until XX/XX/2022 to either investigate and or delete the items I am disputing. I do not want this to go to litigation I simply want them to stop playing games and do their job. The first letter is the stall/I ain't gon na do my job letter the second letter is what I mailed to transunion
Consumer complaint received 2017-04-19
Product: Money transfers — International money transfer
Issue: Wrong amount charged or received — 
Company: WELLS FARGO & COMPANY (IL)

I have received a payment of  XXXX   XXXX  from  XXXX  's central bank (  XXXX   XXXX  ) which was credited to my  XXXX    XXXX   account. The transaction came short of the missing {$38.00} which were routed through a  XXXX    XXXX   in  XXXX  an d Wells Fargo in the US.    The client informed me that they sent out the full amount however the information received from  Wells Fargo ( below )  missing following info :  1  ) the amount received and sent out to Chase bank in Illin ois 2 ) Th e fees and commissions charged b y Wells Fargo.    Question : why the transaction was structured to result in MAXIMUM amount of fees and why the fees were not disclosed as required by law.       XXXX   XXXX   VIA :  XXXX   XXXX   XXXX ,  XXXX    XXXX   :   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   ,  IL  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX    XXXX   XXXX  (  XXXX  )  XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX ,  XXXX ,  XXXX   XXXX   XXXX   XXXX  SSN :  XXXX  TRN :  XXXX  Incoming wire transfer
Consumer complaint received 2018-01-24
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. (KY)

I have repeatedly contacted the 3 major credit bureaus to have my mortgage included on my credit report. They are reporting my mortgage with XXXX XXXX as closed, and the account is very active and still open. I even contacted my mortgage company XXXX XXXX about this and they stated that they are reporting to the credit bureaus monthly, and they are not understanding why it is not up to date with the credit bureaus. 

My most recent contact was XXXX 2017 with XXXX XXXX  and the credit bureau XXXX, XXXX and Equifax, I even conferenced a call with XXXX and my mortgage company and they ( my mortgage co. ) explained to them that my account is current and that they are reporting to them monthly, but the response from the bureau ( s ) was still that you need to contact your mortgage company and have them send update to them ( the credit bureau ).
Consumer complaint received 2022-01-06
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. (TX)

Reviewed my credit profile and saw an authorized account XXXX XXXX. I find that strange because I have never lived there. The creditor has ignored my request of this alleged debt and has FAILED to send proper validation. Therefore this is FRAUD. This violates 18 US Code 1028A- AGGRAVATED IDENTITY THIEF. I have placed a security fraud alert on my SSN to avoid instances like these in the future.
Consumer complaint received 2017-04-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have been checking into my credit lately because I plan to purchase a house. I see on my credit report that Capital one has reported late payments. I have never had a late payment with them EVER. I have spoke to them and they keep referring me to a collection agency. I do n't know why I have to speak to someone in collections if my account was paid in full before I closed it. I want to keep all my financial business with one company and that 's why I closed the account.