davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-01
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

To Who It May Concern, On Wednesday XX/XX/XXXX  a fraudulent transaction attempted to post to my bank account with Capital One 360. That transaction was for {$3000.00} made by   XXXX   XXXX   ; that transaction was also rejected due to non-sufficient funds. On Wednesday  XX/XX/XXXX , a hold was placed on my account for the {$3000.00} which caused my account to go into negative status ( $ -1,774.90 ). I have spoken with Capital One 360 about this and they are telling me that nothing can be done because the transaction has not posted it is just being held incase   XXXX   XXXX   attempts to take the funds again. I have spoken with four members of their management department with no help. I have also contacted the Federal Reserve Bank ACH Department. They advised me to this website to submit a complaint.
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Due to this fraudulent transaction my family now has to go without food and utilities because my payment to my utilities was rejected because of this hold on my account. Capital One is advising me that the hold will come off of my account on XX/XX/XXXX  if   XXXX   XXXX   does not attempt to debit the funds again.
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So now my family has to wait until XX/XX/XXXX and hope they do not try and take the funds again. Capital One is saying that this is out of their hands and that there is nothing they can do about it.
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I switched from a small town bank to Capital One for better security. I am not receiving what I expected and definitely do not recommend Capital One 360 to anyone.
Consumer complaint received 2022-03-02
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: Experian Information Solutions Inc. (NY)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2017-06-01
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Bread Financial Holdings, Inc. (AZ)

ON XXXX/XXXX/2017 I received a call from a young woman advising me that I have a pending lawsuit against me. She could not tell me what for, but she terrified me saying that I would have sheriffs serving me in the next two hours. I asked what was it for she said she did n't know but it was for a debt. I told her I could n't be home to be served and she told me I better reschedule or they will think I am trying to avoid them. I asked her what address and she gave me an address 3 years old and I never would have received any documentation regarding this lawsuit. She said since i was n't aware of the debt that I should contact XXXX XXXX at XXXX which is the number for XXXX XXXX XXXX. When i called I explained I have no idea what this was about and the gentleman XXXX stated it was for a credit card and the amount due was {$880.00}, he then advised me if I paid today it would only be {$380.00}. He then proceeded to tell me if I pay today there would be no lawsuit and it would be canceled. So i paid it. <P/>I thought about this last night and realized it seemed odd that everything just came out of nowhere and they would have received returned mail since i have n't lived their, so it ultimately made me realize it was a scare tactic that i fell for. I ran the address for XXXX XXXX XXXX and it was a XXXX XXXX i then called and asked for a copy of the canceled lawsuit documents and was told there was n't any and that no sheriff was going to serve me but a courier. I advised him that this seemed like a tactic to get me to pay a bill and advised him I would be filing a formal complaint on the tactics used, he said the company that called me was a 3rd party they hire them to do it and they have no control over what they say, i simply explained you hired the other company to represent your company and you ARE responsible for the methods and tactics they use. I ended the conversation advising him i will file a formal complaint and said goodbye.
Consumer complaint received 2022-03-02
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. (NV)

I submitted a dispute on my XXXX credit report for derogatory remarks that were more than seven years old. XXXX removed two of these derogatory remarks. My XXXX score went from XXXX to XXXX on XXXX. I submitted the same disputes for Experian and XXXX. Both of these disputes took longer than 30 days. Experian and XXXX stated that " resolved, consumer disagrees '' This is of course incorrect as XXXX has correctly removed these remarks from my account. Not only that, my XXXX XXXX XXXX subsequently shot down from I think 696 or 712 down to XXXX. When clicking XXXX  " see what changed '' it stated " no changes were made. '' The only thing that was that there was a new remark on my derogatory accounts from over 7 years ago that the I disagree. It is past statute of limitations and should be deleted.
Consumer complaint received 2017-07-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RS Clark and Associates, Inc. (TX)

A company called XXXX XXXX XXXX XXXX says they have a debt of my from a clinic called XXXX XXXX. So I  asked them how much they bought my debt for and they told me they are working with XXXX XXXX. So when I called them they said they had no records for or showing a debt that I owe. I was a patient with XXXX XXXX about 9 yrs ago. I 've been talking with rs Clark for the last couple of days to drop a debt that does not exist anymore.
Consumer complaint received 2024-05-21
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY (GA)

I sent several letters of complaints to Amex and have not received a response from any of them. After being a customer of amex since XXXX, I was not provided a rectification for an ongoing credit issue after applying for a new credit card on XX/XX/XXXX and receiving an insulting credit limit after having a hard inquiry on my account. I've been misinformed by several agents, transferred back and forth by agents who do not know the depths of their job and department, and ultimately given no resolution from a customer support manager with Corporate ID XXXX who cheerfully claimed, and I quote, " it is company policy that he is not allowed to provide his last name, and there is no exception to their policy rules '', of which I'm already aware that he misinformed me as well. After being informed my credit limit could only be increased after I received the card, then being ping-ponged between different departments, asked what my preferred credit limit would be only to be told that I'd have to wait 95 days to request an increase, even though they just approved the account and are able to increase it within 30 days of the initial hard inquiry, I am prepared to cancel all XXXX credit cards I have with amex since they have no intention of salvaging this business relationship.
Consumer complaint received 2017-06-01
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: SUNTRUST BANKS, INC. (FL)

I had a dispute it was resolv ed Suntrust sent m e a letter to that and asked if I wanted the paperwork they have used so I could look at it.   That wa s 2 weeks ago and I have called 10 times  (  XXXX   XXXX   XXXX   ) I h ave been lied to, hung up on and been treated terribly I am ready to go postal on these people they do n't give a  XXXX  about anybody, They need to be put down. My local offi ce (   XXXX  FL ) was useless..The lady I talked with to day told me they had to request the paperwork. Now another 7 days I have to wait. Another problem I think happened they stalled me since  XXXX    XXXX   to resolve this. and they did n't post it on my online account.     lies and corruption from this bank and it needs to stop. You can only call  XXXX  number and the customer service  XXXX . They no nothing even If they   XXXX   XXXX  .      XXXX   XXXX
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-03-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2019-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TX)

Experian is making it very difficult to place a FREE freeze on your credit as mandated by the FTC in XX/XX/XXXX. When you go onto the Experian website they make it seem like you can place the freeze online like XXXX and XXXX but when you hit " submit '' it states that you must request the freeze in writing my mail. Experian then gives instructions to mail personal documents with identifying information that if compromised, may further put myself at risk of Identity Theft. Experian also recommends that you send the documents via certified mail which cost me {$4.00} to mail to them. A credit freeze is supposed to be free so Experian either needs to reimburse the mailing cost or be like the other credit companies and let consumers freeze their credit on-line. It is my belief that Experian is making it more difficult for consumers to freeze their credit so that they can sell their monthly credit protection that cost {$20.00} a month and allows you to lock your credit similar to a freeze. I mailed the documents to Experian on XX/XX/XXXX and when I checked my USPS tracking number it showed that the paperwork was delivered certified mail to Experian on XX/XX/XXXX at XXXX. Experian was supposed to send me a PIN number to unfreeze my credit but as so XXXX I have not received confirmation from them that they have freeze my credit and my PIN number that will allow them to unfreeze my credit. A total of 10 business days have gone by ( not including today ).
Consumer complaint received 2022-09-07
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: CREDIT ACCEPTANCE CORPORATION (IN)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Consumer complaint received 2022-03-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC. (CA)

On XX/XX/XXXX, I initiated a bill payment for {$2900.00} through my Ally bank checking account. I realized the recipient was incorrect and requested a stop payment on the check, which had not yet been cashed, on XX/XX/XXXX. Due to what they deemed a bank error, the stop payment was never applied and the check was later cashed on XX/XX/XXXX. 

I reached out to Ally on two occasions via phone and once via email. They took ownership of the bank error and notified me they would do everything in their power to rectify the situation. It is now XX/XX/XXXX and they have told me to contact the recipient myself to recover the funds. 

This is unacceptable. The bank has admitted fault and taken little to no effort to correct the situation.
Consumer complaint received 2017-06-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (IL)

I repay my federal student loans under the REPAYE income-driven repayment plan. On  XXXX   XXXX ,    2017,  I submitted my annual income documentation to FedLoan Servicing to recalculate the REPAYE amount. As my family 's current income differed significantly from our most recent federal tax return, I used  XXXX  recent paychecks as documentation.     On  XXXX   XXXX , I received notification that my monthly repayment amount had been calculated. However, the amount was too high. Going back to the calculations, I noticed that the number calculated b y FedLoan wa s exactly what I would get if I ignored all pre-tax deductions from my paycheck.     I emailed FedLoan twice but received no response. I called them on  XXXX   XXXX , and was told that they would look into the matter within  10 bus iness days. I called back on  XXXX   XXXX  and was told to wait one more week. Finally, when I called on  XXXX   XXXX , I was told for the first time that it is FedLoan 's policy to ignore pre-tax deductions from paycheck income documentation if they ca n't tell exactly what the deduction is from the description on the check.     I was informed that I could submit a letter on company letterhead from my employer and request   expedited review. I did so and FedLoan adjusted the next monthly payment to the correct amount.
While this incident has been resolved for me, I have several concerns : 1. It took a month and a half and five inquiries before I was given the information necessary to resolve the concern. I doubt many borr  owers are this persistent.      2. I imagine most borrowers do not take the time to sort out payroll deductions, research the federal poverty guidelines, and do the calculations necessary to confirm that the servicer is billing the correct a mount. I worry that many borrowers who submit paycheck income documentation are being overbilled if pre-tax deductions are ignored.      3. Nowhere on FedLoan 's website ( that I can find ) is there any i ndication that an employer letter is needed to document pre-tax deductions. Nor is it in the federal income-driven repayment plan instructions. A much better arrangement would be for the servicer to contact the borrower if there are any deductions that they do not understand, so that the borrower has an opportunity to provide additional documentation.
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

THIS IS RIDICULOUS!!! I am unaware of this account! Why does this appear on my credit report? I require verification of this account! There is no contract associated with this account. I will sue you for causing me anguish!
Consumer complaint received 2017-11-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (FL)

Paypal and XXXX have a service when you purchase an item called " Pay After Delivery " service which allows an ebay buyer to purchase an item and pay for 14 days after the sale. This was offered to me on XX/XX/XXXX with an agreed payment date of XX/XX/XXXX. However, sometime between XX/XX/XXXX and XX/XX/XXXX Paypal said they discontinued this feature and my payment was presented to the bank immediately. This caused my checking account to be overdrawn by {$32.00} on XX/XX/XXXX and {$32.00} additional dollars for a re-attempt on XX/XX/XXXX. I spoke to Paypal about this three times to resolve this matter. I was advised that this feature can be removed at anytime without notice, the feature is only allowed on one checking account and I had had this on two accounts for over three years, and there is nothing they are going to do. As of this filing, XX/XX/XXXX, it appears this feature is still active on both of my accounts. I have reviewed my account to make sure this is so. Also, I currently have two other purchases using the Pay After delivery feature. I would not have made this first purchase if I had known that they were not going to honor this agreement, I would not have made this purchase. I incurred {$64.00} in fee 's that I could have avoided. Anything you can do to help, would be appreciated. Please advise others of this bait and switch tactic. 
Thank You
Consumer complaint received 2017-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

After waiting on hold  for 45 minut es for a United States representative. I called up and told them that they reput inquiries on my report.  XXXX   ( will not give a last name or ID number ) put me hold again for 10 minutes when he looked up my inform ation. He asks now what 's the issue and I told him again that TransUnion reput inquiries on my report, and by law you have  to give five days notice. He then asks for the names/dates of the inquiries. He then said this glitch was from an outside credit reporting source. I tell him we both know that is not true. I want these inquiries removed now and I know my legal rights and then he hung up on the phone on me!
Consumer complaint received 2016-03-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

My mortgage was sold from XXXX XXXX to Fifth Third Bank. I received a notice from XXXX XXXX but have not receive any communication from Fifth Third Bank. Even though I received no new notifications, I contacted the bank because my home insurance and tax payments were in Escrow. After contacting the bank 5+ times I still have received no notifications or bill for payments. They also have not paid my home insurance and presumably my taxes from my Escrow account. They instead told me that the Escrow was still with XXXX XXXX, which of course was untrue. 
I 've taken three trips into the new bank to get the information set up, each time being assured that it was fixed. However according to my insurance agency they still have n't received the information from the new mortgage owners.
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (PA)

THIS IS RIDICULOUS!!! I am unaware of this account! Why does this appear on my credit report? I require verification of this account! There is no contract associated with this account. I will sue you for causing me anguish!
Consumer complaint received 2022-09-07
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. (FL)

I am a natural person, i am real living human being, i have rights under 15 USC 1681. 

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1881 : I have the right to privacy and i did not give Equifax written permission to furnish these accounts Accounts XXXX XXXX  account # XXXX XXXX  Account XXXX XXXX XXXX XXXXXXXX Account # XXXX XXXX # XXXX
Consumer complaint received 2022-08-10
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

trying to make a payment to XXXX XXXX XXXXXXXX lawfirm. they told me something along the lines that they cant discuss anything over the phone and that they will send a letter out to me. then i called back and got no answer. it keeps going straight to voicemail.
Consumer complaint received 2022-03-02
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: Experian Information Solutions Inc. (GA)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section XXXX ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.