davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I recently applied to a Capital One XXXX XXXX credit card. I received a letter that I was denied due to active credit limits, which makes absolutely no sense. I have a XXXX credit score, have not applied to any credit cards recently. I'm below the thresholds for inquiries, so there is no reason to deny. 

I am planning on traveling and I believed Capital One XXXX is the right choice for myself. I have credit cards with them for Business and as a loyal customer to be treated unfairly and unjust with no negative reporting on my report and a high credit score is outrageous and seems discriminatory. 

I tried calling reconsideration line asking for explanations and a reconsideration even by moving balances around if that is what was required and they were absolutely no help and said to reapply again. This is very unethical on their side. Why would I reapply when that will count as another hard inquiry and they can reconsider. I would be happy with the credit card for its travel perks and wanted to be reconsidered. But this makes me lose faith in this bank for treating me unfairly. I demand a response and a resolution. Thank you.
Consumer complaint received 2021-03-01
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. (FL)

RE : Diamond Preferred Card # : XXXX XXXX XXXX XXXX On XX/XX/XXXX, around XXXX XXXX, I received an e-mail-custom alert from Citi about a {$3500.00} transaction done to a XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with my credit card ( card was not present at the time of transaction ). 
I immediately called and contacted 24-hour customer service XXXX and I spoke with XXXX ID # XXXX, a representative from Citi, and I told her about this fraudulent charge. She immediately cancelled my credit card and ordered a new one that I received three days later via mail. 
What is strange to me is that if I called on XX/XX/XXXX to report this fraudulent transaction, why did that amount show as approved on the XXXX on my balance statement? It is strange that the transaction is not being shown as pending or under dispute or investigation, but rather it appears it is approved and being charged to my account. Why? 
I have called City Credit Card Corporation several times to tell them that they have charged the {$3500.00} to my credit card balance even though I already reported it as fraud, but they have not done anything about it. Their response is the transaction is under investigation. I spoke with a Citi Supervisor, XXXX  ID # XXXX, but even he does not know what is going on. 
Please, I beg for your help to do an investigation on Citi Credit Card. I strongly believe that someone inside this company, perhaps an employee, is doing this fraudulent charge. 
Thank you for your kind attention to this matter. 
Respectfully yours, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Tel. : ( XXXX ) XXXX
Consumer complaint received 2021-01-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Pursuant to 15 USC 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- such financial institution clearly and conspicuously DISCLOSES to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such a third party ; and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
Notice, congress said that the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such a third party and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. The fact that I was never given an explanation of how I can exercise that nondisclosure option is immediate grounds for removal. The Medical/Health account reporting is a violation of HIPPA privacy laws as well. 
Accounts : XXXX XXXX Balance {$3200.00} Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance {$530.00} Original Creditor : XXXX XXXX XXXX XXXXBalance {$100.00} Original Creditor : XXXX XXXX XXXX XXXXBalance {$130.00} Original Creditor : XXXX XXXX XXXX XXXXBalance {$210.00} Original Creditor : XXXX XXXX XXXX XXXX  ... Balance {$280.00} Original Creditor : XXXX XXXX XXXX XXXX ... Balance {$220.00} Original Creditor : XXXX XXXX XXXX XXXX  ... Balance {$1300.00} Original Creditor : XXXX XXXX XXXX XXXX # XXXX Balance {$200.00} REMOVE UNAUTHORIZED Inquiries attached to this notice.
Consumer complaint received 2020-07-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (SC)

Suntrust bank froze my account without any explanation and they told my account would only be frozen for 7 days for review it has now been 10 days and they are telling me that the freeze status has been extended but could not provide me a timeframe as to when the matter will be resolved. The supervisor is stating they are closing my account but cant tell me when. I opened this account a month ago, I received a deposit because per there promotion if you received direct deposit of XXXX $ or more for two consecutive months you get XXXX . Which is why I allowed my check to be deposited into the account and they have done nothing but screwed me over. After reading several complaints I doubt that this matter will even be resolved on a timely manner. Which is why I am submitting this complaint, there needs to be a class action lawsuit against suntrust! This is very stressful situation and this situation definitely triggered my XXXX and XXXX
Consumer complaint received 2018-06-22
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ceannate (FL)

The company is coming after me due to a debt owed from XXXX University. To my understanding XXXX University is a XXXX based college, I have lived in XXXX for the past 20 years and did not attend an out of state University. 

Therefore, someone used my information to obtain college education. Also was told it was for XXXX  education my career focus, since highschool, was XXXX. 

Also, the college states that I attended the University back inXX/XX/2016. I was a graduate of XXXX XXXX ( XXXX ) class of XX/XX/2016.
Consumer complaint received 2017-08-23
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: AMERICAN EXPRESS COMPANY (CA)

I brought a XXXX XXXX airline ticket using my American express credit card for my dad. on the departure day, we went to the airport so my dad can take his flight. but the airline refused to issue him a boarding pass and never let him take the flight. so he could not use his tickets. I reached out to American express to resolve the dispute and get my money back. American express asked me to provide a written explanation of event and what happened. I provided the written letter 3 times now to the American express but every time, American express close my case without resolving it telling me that I never provided the written letter. every time I upload the docs to American express site, I reach out to American express and verified that they did received my letter. now after 4 months, the issue has still not been resolved and I am being billed again.
Consumer complaint received 2021-04-23
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (NC)

I mailed via USPS my XX/XX/XXXXmortgage payment to Amerihome. This was mailed XXXX day priority mail with tracking on XX/XX/2021. My tracking is showing the mail was delivered and received on XX/XX/2021. I went online to Amerihome 's online website to see if my XX/XX/XXXX mortgage had posted. It had not. 
I called Amerihome 's office and they stated they could not find my payment and for me to submit receipts from USPS and any copies of the check mailed and they would investigate. I asked Amerihome how long will this take and they stated 30 days.

My initial complaint regarding Amerihome was for my XXXX and XXXX payment which was paid online and ontime. They reversed those payments stating I must have missed a number while entering my checking account online. Even though I called and provided them the number to submit the payment multiple times. I have already submitted that claim to CFPB. 

Now the new issue is my XXXX payment. I mailed 2 weeks in advance and priority delivery and Amerihome can not find the payment ever made it to their office even though USPS stated it was delivered. The payment has not been cashed. 

If I can not make a payment online without issues, if I can not mail a payment to Amerihome without issues, how am I supposed to pay my mortgage. There is a serious problem with Amerihome and CFPB needs to investigate. 

I need to know where my mortgage payment is and why it hasn't posted to my account
Consumer complaint received 2018-06-22
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. (VA)

XXXX XXXX was the original account holder for a fraudulent account that was opened in my name. The account was turned over to XXXX XXXX for collection. I have an account with XXXX XXXX listed on my XXXX and Experian Credit Reports in the amount of {$1300.00}. Both credit bureaus have refused to remove the account from my credit reports. I have disputed these items and will continue to dispute this item until they are removed from my credit reports.

I contacted both credit bureaus on XX/XX/XXXXand disputed these items yet again and while both credit bureaus have complied with filing the dispute they informed me that they have verified that this is my account and the information is accurate.

I contacted XXXX XXXX on XX/XX/XXXX and they referred me to XXXX XXXX XXXX XXXX as it pertains to this account. I did contact XXXX XXXX XXXX XXXX on XX/XX/XXXX by phone and they were closed. I also sent them an email as well on XX/XX/XXXX.

I received a letter from XXXX XXXX Fraud Dept. dated XX/XX/XXXX that the company verified that this is not my account and that this account was indeed a fraudulent account that was opened in my name.

I do not understand how I can have a valid letter from the company and yet this item still remains on my credit reports even though the company has verified that the account does not belong to me and was a fraudulent account. XXXX XXXX  informed that they sent electronic letters to both XXXX  and Experian telling them to remove this item from my credit reports ASAP and yet it remains.

XX/XX/XXXX will be two months and according to the letter I received from XXXX XXXX it can take up to 30 days or 4-6 weeks. Well as of XX/XX/XXXX it will be 4-6 weeks and this item has not been removed from my credit reports as of yet. The letter sent to me by XXXX XXXX was dated XX/XX/XXXX.

Also on my XXXX and Experian Credit Reports they have accounts listed as closed/removed with a {$0.00} balance that is counting against me making my score go down and not up. When items have been verified that they do not belong to an individual and removed from your credit reports yo

ur scores goes up not down. Both reports are reporting the same information twice one with the amount and one with a {$0.00} balance so I am confused which one is it? XXXX has been the absolute worse of all and they told me that as a consumer I can not dispute any information on my credit report and that they can not delete or remove anything from my XXXX credit report only the company can. XXXX  has been giving me the wrong information and every time I call in their is always a problem or I get a person who is a foreigner and does not speak English or their systems are always down. It is never ending a
nd I am sick of it.
Consumer complaint received 2018-06-22
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Amscot Corporation (FL)

I brought in my information and was approved for a payday loan at AMSCOT located at XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX The cashier had an attitude. I asked her for an EPP because I wanted to take my time paying it back and the manager entered the conversation and told me ok. She came back 10 minutes later with a letter that refused to give me the payday loan for XXXX. They then told me happy birthday as I walked out.
Consumer complaint received 2016-02-07
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: DriveTime (NC)

I have disputed this several times. With CRC and agency. I have provided payment schedules along with letters from the CRC. Drivetime.., is the company I have my car loan with. From XX/XX/XXXX thru XX/XX/XXXX.., I attempted to make actions to pay off my loan early and thus, by recommendation of Drivetime, started making payments 1 1/2 times to 2 times required payments. However each month seemed I owed monies when I prepaid. I attempted to resolve this .., but received little to now cooperation. XX/XX/XXXX payment was collected of which Drive Time did not give me credit for and showed my car as being repossessed. At this point I requested an Audit of my account and after 3 months, my funds were finally applied. However my payments status and balance were still in question. I have tried 15 different times and at least 20 hours of phone time to try and get the payment schedule along with how my payments should have been allocated corrrected to no avail. Seems DriveTime made attempts to get it right and then will report incorrectly again and again. I have been working to get my credit straight for almost 2 years to purchase the home I currently live in. These errors with Drive Time have not only cased a monetary hardship for me but is directly affecting my ability to be mortgage ready. ( needless to say I am still renting a house I should have been able to buy several months back if this issue with DriveTime did exist. ) I am truly at a loss and really do n't know where to turn. I do have a payment schedule I requested from Drivetime, which does reflect my prepaying several months in advance. However, per my last conversation ( which I have ever conversation documented date and times ) I was told by a Drive Time customer service rep., there had been errors made to ALL customers in terms of reporting for XX/XX/XXXX and the entire year had to be resubmitted. I did ask to speak with her manager and she informed me there were no managers at her level I have XXXX basic items first, why has DT reflected 30/60 days late when in fact I prepaid months in advance.. and per serveral conversations with DT wanted these errors corrected. And I believe based on the misappropriation of my funds paid my balance is higher than it should be. I would like to have these things fixed and some kind of monetary compensation for the out of pocket expenses and hardships experienced due to these issues.
Consumer complaint received 2020-09-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (WI)

COMENITYBANK/NWYRK & CO failed to give me proper validation of this debt.

I mailed COMENITYBANK/NWYRK & CO a debt validation request on XX/XX/20 certified mail # XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-18
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. (MA)

Previously disputed charges are mysteriously reappearing on my monthly statement. XXXX XXXX {$500.00} and now XXXX for {$37.00}. Both of these charges were to be discharged yet Citi still is trying to collect what I do not owe. The XXXX from XXXX  was a hold on a car that was over paid. The XXXX  was for a meal not received. Both have been disputed but citi will not honor the process.
Consumer complaint received 2020-07-18
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. (PA)

Over the past several months, I have submitted several disputes with Experian with satisfaction letters attached for the debts from the debtors. Each time, it seems the satisfaction letters are not properly considered and the debt remains outstanding with an erroneous balance until the debtor sends their updates to Experian. This unfairly leaves my credit reporting for that debt incorrect for two additional months after the debt has been paid/settled with the debtor. I submit that this practice is both unfair and damaging for those involved in the already arduous task of repairing their credit. I, also still have another account which shows a XXXX  balance, but shows the debt with the incorrect status. I've opened several disputes regarding this to no avail. The affected accounts are listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Thank you XXXX XXXX
Consumer complaint received 2020-09-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I was aware of this fraud account on my credit XX/XX/2020. I am not aware of where it came from or who used my information. Since XX/XX/2020 I have been trying to get this account removed off of my credit.
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: CREDIT ACCEPTANCE CORPORATION (NJ)

I have been trying to contact these companies about the fraudulent activity that keeps being reported on my credit report. I have sent numerous validation request demanding a contract with my signature stating that I agreed to do business with these companies, and have yet to hear from anyone. As I am fully aware of my rights under the FCRA section 609, I demand an immediate removal of these fraudulent items from my credit report. I have sent letters via mail on XX/XX/2020 and XX/XX/XXXX XXXX please help me to contact these companies of this matter.
Consumer complaint received 2018-06-22
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 disputed with them through the United States Post Office and I sent a certified letter to make sure they receive the documents because it contained all of my personal information. I will link that letter and the receipts here for your convenience and proof. 

Unfortunately I can not tell if they processed my disputes because the two old  accounts which have not had activity on more than 7 years are still on my file affecting me. These accounts are labeled XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. The payments statuses are wrong because it states on the account beginning in XXXX that I am currently 180 days or more late and that is not valid because it is past the statue of limitation by law for last activity and it can not be help against me. This account is an FHA government account and has not been in XXXX XXXX XXXX  possession in over 7 years. This information should be deleted, as should the whole account. 

Secondly, I would like to bring to Experian 's attention that account XXXX is also wrong and I would like to have it deleted for premium accuracy please. I have no lates on this account as well in over 7 years and I am concerned here as well why it shows up on my Experian.com monitoring as a late account in my summary section. and FHA loan was taken over for both accounts in 2011 and they can not legally report this as their own. 

WHO DID THE CONFORMING ON THIS ACCOUNT? WHAT INFORMATION WAS CONFIRMED? 
These two accounts have incorrect and outdated information and they are not registering accurately on my general profile with creditors and this is tremendously damaging for me. 

These items were not updated or processed with accurate information after I disputed them and they do not report as being disputed by me. I have no proof that they corrected, investigated or confirmed anything an I am very very frustrated. 

No one here seems to be doing their job and falsely verify information to deter consumers from pursuing the truth and that is not fair and a very abusive and intimidating practice.
Consumer complaint received 2022-09-12
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 (GA)

Capital One is refusing to validate my dispute and is siding with the merchant, even after I have sent multiple documents and emails proving my case. I booked a hotel reservation at XXXX XXXX in XXXX on XX/XX/XXXX for travel dates of XX/XX/XXXX - XX/XX/XXXX. The rate I booked was non-refundable, however it was 100 % refundable with included insurance in case I needed to cancel due to many different circumstances. Unfortunately I tested XXXX for XXXX on XX/XX/XXXX and informed the hotel and travel insurance through the hotel that I needed to cancel. According to the terms of the insurance my reason for canceling is valid and the entire purchase amount of {$2500.00} should have been immediately refunded to me. Neither the hotel nor the hotel 's insurance company responded to my claim nor did they refund me. That's when I contacted Capital One to dispute the transaction on XX/XX/XXXX. Capital One investigated the case and on XX/XX/XXXX sent me a letter stating they sided with the merchant who stated I booked a non-refundable rate. I appealed the decision on XX/XX/XXXX and sent more documentation in, including the original confirmation showing I purchased insurance that covers 100 % of the reservation amount, the emails I sent cancelling with proof of a XXXX  XXXX test, and terms and conditions of the reservation and insurance. I should not have to pay {$2500.00} for a hotel stay I did not even get to use. On XX/XX/XXXX I called Capital One to discuss the case and how they once again refused to honor my claim. Capital One should protect me as a consumer as I have proven the hotel is not honoring their terms by refusing a refund from the insurance company they offer as a result of my XXXX XXXX test. I have tried in good faith to resolve this with the hotel and Capital One and neither are honoring their side of this.