davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-12
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 (GA)

I filed a previous complaint on this XXXX XXXXSynchrony Financial. I have 2 cards with them. Now I am having problems with the 2nd card-Care Credit/XXXXXXXX XXXX. This company decreased my limits for NO REASON AT ALL. NOTHING HAD CHANGED AT THE TIME THEY DID THIS FROM THE CONDITIONS or CRITERIA THAT THEY ALLOWED ME THE CARD INITIALLY. ACCEPT MAYBE I DON'T USE IT ENOUGHT FOR THEM. I FEEL THAT THEIR INTENTIONS WERE TO DO THIS, AFTER GETTING ME LOCKED INTO THE CARD and or in retaliation from my last complaint and deny me THE LIMITS I HAD when I contacted them yesterday Wed XX/XX/XXXX at XXXXXXXX XXXX-the phone rep. I HOPE SHE DID NOT RUN MY CREDIT BECAUSE I DID NOT GIVE HER PERMISSION!! IT WENT FROM A LIMIT OF XXXX TO XXXX. NO REASON I'VE USED THE CARD ONLY 2X SINCE TAKING OUT IN XXXX BECAUSE NEEDED SOME EMERGENCY DENTAL WORK and it also offered an opportunity to begin to re-build my credit NOT HURT IT LIKE THIS ACTION IS DOING. I wanted to begin to rebuild my credit after coming out of a bankruptcy as a result of an injury and I am currently on Social Security XXXX. I feel this company took advantage of me. I have NEVER been late on my payments and have a 100 % payment rating on my credit report. THE REP TOLD ME MY CREDIT WAS REDUCED BECAUSE XXXX  CALLED THEM AND TOLD THEM TO DO SO?? I HAVE NEVER HEAR OF THIS. I ASK FOR INFORMATION FROM WHEN THEY INITIALLY APPROVED THE CARD AND WHEN THEY MADE THIS DECISION to reduce my limits. THEY WOULD NOT OR COULD NOT PROVIDE IT. IF THEY DID THIS TO ME THEY ARE DOING THIS TO OTHERS. I HAVE 2 CARDS WITH SYNCHRONY, THE other card DID NOT CHANGE MY LIMITS?? WHAT THIS HAS DONE IS IT HAS IMPACTED MY CREDIT AND NOW MAKES THIS ACCOUNT SHOW THAT I AM OVER EXTENDED IN IT'S USE AT 100 % WHEN IT WOULD BE 40 % HAD MY LIMITS NOT CHANGED. THIS IS ETHICALLY WRONG!. I CAN'T WAIT TO GET RID OF THESE CARDS! I DONT WANT THE INCREASE TO USE JUST TO HELP MY CREDIT!. I WILL PAY THIS CARD OFF BEFORE I USE IT AGAIN!! TELL THE PUBLIC CONSUMER ... DO NOT DO BUSINESS WITH ANY ENTITY ASSOCIATED WITH A XXXX XXXX/SYCHRONY FINANCIAL OR CARE CREDIT SYCHRONY BECAUSE THEY ARE THEIVES AND CON ARTISTS!!! THEY HAVE THIS HABIT OF COMBINING SEPERATE PURCHASES ON THEIR CARDS SO PEOPLE OR TRICKED OR MANIPULATED INTO PAYING OUTRAGES FEES AND INTEREST WHEN THESE " PROMOTIONS '' ARE NOT PAID TIMELY. YOU DON'T KNOW IF YOU ARE PAYING ON A PROMOTIONAL BALANCE OR NOT BECAUSE THEY LUMP THEM ALL TOGETHER.
Consumer complaint received 2017-08-03
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

I been working with this company since 2012 for a modification. i kept paying and she kept saying we were good then sale dates were postponed. now we lost the house. And I now have to move and get my things out and still waiting for a answer of what to do.
Consumer complaint received 2021-02-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: AMERICAN EXPRESS COMPANY (AZ)

On 5 different occasions during XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX American Express has allowed an unauthorized person to change the address on my account to an address beginning with XXXX XXXX XXXX . For reference, the rest of the address has been redacted on my online profile with American Express so I can not see a city, state, nor zip code. Not only has this been done without my consent but correspondence, including sensitive account information, has been sent to this address according to emails received from American Express. For the record, this address is not mine, has never been mine, nor do I know anyone at this address. I've attempted to work with American Express on securing my account and have spent countless hours doing so to no avail. I've suffered damages from this breach of privacy and plan on pursuing legal action against American Express.
Consumer complaint received 2021-02-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I purchased a used car on XX/XX/XXXX which is financed through Capital One. Capital One sent me a letter dated XX/XX/XXXX with an incorrect account number on it. I did not discover the account number error made by Capital One until I started receiving collection calls from them. I've been attempting since the XX/XX/XXXX to have the money I sent assigned to the correct account. I am still receiving collection calls and late fees are accumulating on my account. I have been reported, inaccurately, to at least one credit bureau as being late with my payments. 

I've called Capital One back after seven to ten business days to check on the progress of the payments being applied correctly, but they have not. The amount in question is about XXXX in payments and approximately XXXX in late fees.
Consumer complaint received 2021-08-09
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Webcollex, LLC (OK)

CKS reponsded to a complaint by stating the following : Company 's Response Thank you for the recent notification of the complaint filed by XXXX XXXX XXXX. CKS Financial appreciates the opportunity to respond to their concerns. Upon notice of the complaint, a member of our Compliance Team conducted an investigation into the allegations. The result of that investigation and our response follows. We have conducted an investigation which included a review of the account data provided by the original creditor. The result of that investigation confirmed the name, address, and the amount owed is accurate, as listed on the account. For concerns regarding how it is being reported to the Credit Bureaus we suggest XXXX XXXX XXXX to contact CKS Prime XXXX, XXXX directly. We invite XXXX XXXX XXXX to contact a member of our Compliance Team, if there are any questions. A member of our Compliance Team is available Monday through Friday from XXXX XXXX  to XXXX XXXX Eastern Standard time and can be reached directly at XXXX or at XXXX Now in the XXXX ( a ) prohibits a company from furnishing inaccurate information to a CRA. CKS Financial 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 XXXX 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. 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 XXXX  is showing its late 120 days with a balance in collection. The reporting again is inaccurate.
Consumer complaint received 2020-06-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (IL)

To whom it may concern : I have made numerous attempts at contacting Chase to file a claim regarding an incident that occurred on Sunday XX/XX/XXXX at XXXX at a local branch in which a stranger deposited a fake check into my account and then withdrew {$950.00} from my checking and left. He had done this despite my efforts at telling him not to. I contacted Chase immediately after andI filed a police report and Chase reps reported that they would file a claim. During that same week {$900.00} had been returned to me as a conditional credit in lieu of their investigation and just today I saw that the claim had been reversed and the {$900.00} had been taken out of my account. I have spoke to the chase reps and none of them have been able to help me. They either tell me to hold ( up to hours ) or they tell me that they will " look into it '' and never get back to me. I would like to know why the claim has been reversed. I read online similar incidents from people who also have Chase. I would like to have a supervisor from Chase contact me so that I may speak to them about this issue.
Consumer complaint received 2018-05-11
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. (VA)

I contacted XXXX XXXX via their online form and requested to opt out due to having my personal information stolen after a home invasion. I provided the information of the police department, detective and case information. I explained that I was in fear of my safety as I was a victim of this crime and feel my safety is at risk. 

I received an email back stating that the information provided did not meet their requirements to have my information concealed. I than see that they are reporting on my credit report the address of my home that was not previously listed as it was not reaffirmed and Equifax states the information is from XXXX XXXX credit reporting agency. 

The public records is causing me fear for my safety and physical health and the information they are reporting to the creditors is not accurate and causing me to have problems with my credit history. 

I appreciate the assistance with having the issues with Lexis Nexis resolved. 

Thank you, XXXX XXXX
Consumer complaint received 2017-08-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (GA)

I am trying to recover the rest of my money that has been transferred and embezzled out of my Wells Fargo business account. The embezzler was paying off a fraudulent credit card by using said account, completely unauthorized to do so. This has been an ongoing battle for around 2 years with no satisfaction and am only ever told it is under review. My business account has been previously closed XXXX times due to fraud performed internally. Now, this time, it has been by my previous employee. 
I have made numerous attempts on many occasions to be reimbursed. It is obvious, by all records concerned XXXX even including an admittance letter of fraud from Wells Fargo XXXX that this was embezzlement and has put me in financial hardships, caused immense mental anguish, as well as almost put me out of business. I have tried to speak with someone from Wells Fargo on countless occasions to resolve this issue to no avail and have even employed a lawyer to send a demand letter requesting reimbursement. I do not want to go to the expense of filing a law suit unless it is absolutely necessary. 
Any and all help would be greatly appreciated. 

Payment of {$1200.00} on XXXX XXXX, XXXX. 
Payment of {$1700.00} on XXXX XXXX, XXXX. 
Payment of {$1600.00} on XXXX XXXX, XXXX. 
Payment of {$750.00} on XXXX XXXX, XXXX. 
Payment of {$950.00} on XXXX XXXX, XXXX. 
Payment of {$1500.00} on XXXX XXXX, XXXX. 
Payment of {$1900.00} on XXXX XXXX, XXXX. 
Payment of {$2100.00} on XXXX XXXX, XXXX. 
Payment of {$3200.00} on XXXX XXXX, XXXX. 
Payment of {$2100.00} on XXXX XXXX, XXXX. 
Payment of {$2100.00} on XXXX XXXX, XXXX. 
Payment of {$2000.00} on XXXX XXXX, XXXX. 
Payment of {$1500.00} on XXXX XXXX, XXXX. 
Payment of {$1800.00} on XXXX XXXX, XXXX. 
Payment of {$2500.00} on XXXX XXXX, XXXX. 
Payment of {$1500.00} on XXXX XXXX, XXXX. 
Payment of {$2800.00} on XXXX XXXX, XXXX. 
Payment of {$1500.00} on XXXX XXXX, XXXX. 
Payment of {$1500.00} on XXXX XXXX, XXXX. 
Payment of {$1300.00} on XXXX XXXX, XXXX.
Consumer complaint received 2018-07-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

Citizens Bank, One Deposit Checking Account # XXXX was overdrawn {$35.00} on ( XX/XX/18 ) by two items paid by Citizens against my account settings, prohibiting overdrafts. I attempted to cover this overdraft that evening, ( XX/XX/18 ) at their XXXX XXXX XXXX, XXXX, OH, XXXX location, which was off-line that evening due to " communications issues ''. 

An overdraft notice was issued to me by Citizens via e-mail on XX/XX/18, and ATM deposits to cover the overdraft were made that day, leaving a positive account balance of {$2.00} until fees were piled on. 

Two {$35.00} overdraft fees for a total of {$70.00} were applied overnight XX/XX/18, again throwing the account into an overdraft condition, because of the service charge fees. An SSI direct deposit of {$550.00} was made XX/XX/18 leaving me with a positive ledger balance of {$490.00}, even after the {$70.00} erroneous overdraft fees had been applied. 

I went to their branch at XXXX XXXX XXXX, XXXX, OH, XXXX on the afternoon of XXXX to clear up this issue, and was directed to their XXXX Customer Service Line, as the branch manager did not have the authority to reverse my overdraft fees. 

After a wait exceeding 12-minutes I finally got connected to Citizens CSR, who then put me on hold for a couple more minutes before a " Supervisor '' who had the power to refund the overdraft fees could be found. She confirmed the technical issues with ATM on XX/XX/18 which prevented my deposit to cover the overdraft, and I was offered and accepted {$35.00} credit for the {$70.00} overdraft fees on XX/XX/18, which was immediately applied to my account, and should have closed the case. 

On XX/XX/18 I found I had been assessed and additional {$30.00} " sustained overdraft charge '' overnight that was posted on XX/XX/18, after our fee credit agreement. I had a positive balance of {$520.00} on XX/XX/18 and would have had a positive balance the whole period XXXX if their XXXX XXXX ATM had been functional and the XXXX XXXX Holiday had not intervened. 

On XXXX
Consumer complaint received 2018-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (NY)

I have a loan with XXXX/TD. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX  and XXXX/TD with no successful resolution. XXXX  and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.
Consumer complaint received 2020-08-19
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)

MY XXXX  AUTO LOAN ACCT NUMBER XXXX SHOWS A LATE PAYMENT IN XX/XX/2020 WHICH IS NOT CORRECT. EACH BUREAU SHOULD BE ON THE SAME PAGE AND REPORT DATA CORRECTLY.
Consumer complaint received 2018-07-12
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. (GA)

My student loan with the XXXX XXXX XXXX was paid off in full in 2017. In XXXX of this year my student loan appeared on my XXXX credit report as having a balance of {$180.00}. I had already received refund checks for over payment of this loan so there definitely was not a balance remaining. I contacted the XXXX XXXX   XXXX to correct the problem. They told me they would correct it and the correction would reflect the next time it is reported to the credit bureaus. It was not corrected. I contacted them again along with disputing the error with the credit bureau. XXXX turned around and removed the acct all together which took care of that issue with that one credit bureau. However it was now being reported incorrectly with Experian. I reached out and again I was told they would correct the problem so the acct would reflect correctly in haven been paid in full. This was now the month of XXXX. In correcting the error an additional error was made. Instead of back dating the correction so the changes appeared during the period in which the acct was open the date of the activity was dated for this year which made my paid in full close acct show a missed/late payment in XXXX of this year. How can I miss a payment of a loan that is clearly paid in full? I have disputed this problem multiple times. I have sent emails, made calls, placed disputes on the acct and for 3 months now i have been stuck in limbo trying to secure a home loan and can't because of someone else 's error. I have been able to access my acct acct history for the government loan website and the error is clearly stated in the dating of activity on the acct. I have just received notification that my last dispute as been resolved and the changes reflected after the dispute are no changes. Everything is exactly as it was before my dispute.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

There are accounts in my credit report that are not mine. I do not have a record of doing business with these companies. I am submitting a complaint to request that you will take immediate and corrective action to address this issue in compliancewiththeFCRA. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2021-01-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (GA)

My Idenity was stolen back in 2017 and the person who stole it apply to many different apartments and now the apartment are try to go on my credit report as debts owed which I brought a house in 2017 XXXX dont need an apartment.
Consumer complaint received 2018-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX is reporting an account in the amount of XXXX to credit bureaus. The account was charged off in XX/XX/XXXX with a balance of {$13000.00}. The vehicle was sold for XXXX. The cost of repossession was approximately {$1100.00}. The company starting charging interest on the account after it was charged off and closed with out sending me any detailed statements about the interest. The company reported this account in XX/XX/XXXX with an amount of {$9100.00}. They kept charging interest until XX/XX/XXXX when the amount reached {$10000.00}.
Consumer complaint received 2020-09-14
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. (MI)

Equifax ; XXXX and XXXX are failing to show the following accounts are in fact In Dispute. XXXX partial account number XXXX ; XXXX XXXX partial account number XXXX ; and XXXX partial account number XXXX. ( I have attached screenshots from my credit report for reference. ) I have also sent multiple requests to the bureaus to investigate these accounts and the bureaus continue to report these accounts as account not disputed. This is a violation of the Fair Credit Reporting Act. Under the FCRA I have the right to dispute incomplete and inaccurate information on my credit report. The bureaus are not following through on my requests. I have contacted the bureaus to properly review and dispute these accounts however, I have not been successful. Please report that these accounts are in dispute.
Consumer complaint received 2018-03-31
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. (CA)

I have submitted over ten disputes with Equifax, for 1 account with the XXXX XXXX XXXX  Account # XXXX  to be reported correctly, it has been listed on my report with comments as Bankruptcy Chapter XXXX with an account status of included in Bankruptcy which is incorrect. I have request to have proof provided to me to show verification of the account status, I still have yet to receive this information or removal of the incorrect information.
Consumer complaint received 2021-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX {$590.00} ; XXXX XXXX XXXX {$240.00} ; XXXX XXXX {$880.00} Accounts are not mine and were illegally put on my credit report
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 — Information belongs to someone else
Company: National Credit Systems,Inc. (TX)

Reaching out regarding XXXX XXXX XXXX  in 2017. My mom applied with my dad as him the applicant and her the co applicant. They approve it with my dad living out of state with his income. When came to writing up the lease agreement I had to undergo a background check and that I was adult i had to be a tenant cause the minors are occupants. They told my mom her and my dad were responsible. She was under that impression because that what she was told. I had no way to afford living there inwas not working. So we were misled with wrong information impacted my credit records only not my parents. I have the orginal lease due to the situation and unprofessional it was handled is preventing me to get my on place as it only showing on my record as landlord debt. My mom says it was just supposed to be her and my dad responsibility. I'm looking to get this debt remove from my credit records as it not mine and belongs to my parents cause that what my mom was told before having a lease agreement attach to the application. Was told I had to sign cause I will be residing there at that time. Because I was o her the age of XXXX I had to undergo a background for any criminal charges and for me to reside and being over XXXX that occupants are for minors. Since then I research that it was lie I could have been occupant.
Consumer complaint received 2020-10-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: AMERICAN EXPRESS COMPANY (DC)

I have an XXXX XXXX XXXX checking account. I paid with check # XXXX for {$100.00}, my monthly payment to American Express. 

American Express presented check # XXXX to my XXXX XXXX XXXX account and was paid by them on XX/XX/20. Image is available. 

Check # XXXX was also presented to my XXXX  XXXX XXXX account and was paid by them on XX/XX/20. For the same amount, {$100.00}. No image available for this transaction. I am missing {$100.00}. 

Telephoned and spoke with American Express agent. I was told that I would have to contact my XXXX XXXX XXXX agents to get to the bottom of it. I did. I was sent right back to American Express. Now, I am asking you, can you help me?