davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-26
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: CAPITAL ONE FINANCIAL CORPORATION (MI)

I reviewed various credit card offers and decided to open a Venture X Business Card with Capital One, principally based on their claim that this card had " No Pre-Set Spending Limit ''. My intention was to use this card to pay my upcoming income taxes, both for an extension and for quarterly estimated taxes. When I called the bank to inform them of my intentions, to avoid any problems with a large tax payment, I was informed that there was indeed a spending limit on my card and that I would not be able to utilize this credit card as intended. The bank claimes that the 'limit ' would automatically adjust based on my spending patterns and that, eventually, I might be able to make such a large charge. Until then, I was encouraged to make multiple smaller charges and to pay the bill as soon as possible, even to make multiple payments within a 30 day period to escalate the spending limit approval process. 

Conclusion - there is a preset limit that the bank will internally adjust over time. 

My complaint is that they repeatedly advertised this card as having " no pre-set spending limit '' https : //www.capitalone.com/learn-grow/business-resources/venture-x-business-benefits/ and https : XXXX for XXXX examples. when that is not the case.
Consumer complaint received 2021-02-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (OH)

I opened a checking and savings account with Huntington National Bank with a nominal amount. they sent me my debit card and allowed me to order and pay for new checks, This week I deposited a {$16000.00} partial Cashiers check, it was part of inheritance, and took {$3200.00} cash back. Within 24 hrs they put a hold on my account while waiting for the check to clear. Since then they disabled my accounts and said they are closing them and I have no access to my funds until next Monday. This has created a serious problem for me as I have no access to my money which they already have. I was given no notice and was just locked out of my account and now I'm left trying to find another bank with no money. I was given no notice, they just arbitrarily said they were closing my accounts and denying me access to my funds. In addition to this I'm now out money I spent to order checks. I cant believe they could just decide to do this and hold onto my money as well. no notice, nothing.
Consumer complaint received 2019-06-07
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. (NV)

I pulled my report only to find information reinserted that was not investigated. I have sent in the proper documentation which is my social security card and a recent utility bill and still the wrong address and information is showing on my credit report. There are 2 addresses that do not belong to me one. One being XXXX XXXX XXXX XXXX, XXXX, XXXX and XXXX XXXX XXXX, XXXX, XXXX. Equifax had removed the addresses and without any validation reinserted them back on my credit report. Equifax did not notify me by mail within 5 after the reinsertion nor was there any documentation sent to my home in XXXX XXXX. I just so happen to pull up my credit report and saw the erroneous information back on my report. I also know for a fact the reason Equifax keeps reinserting this incorrect information is because of the addresses that is on my report. XXXX pulls up the addresses and the addresses are linked to these credit cards that are not mine. I have asked for signed documentation bearing my signature and no one is willing to provide that. The bank of missouri is on my report 2xs, XXXX, XXXX and XXXX accounts that I have no relationship with. I am a authorized user on my sons credit cards which is XXXX, XXXX, and XXXX  XXXX and recently a XXXX card. Also there is comments on my credit report that I did not put there and I want them removed immediately! 

In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to UPDATE information that does not reflect the current status of certain accounts. More specifically pertaining to comments on accounts. I am requesting that you remove the accounts and the needs attention comment on each of the accounts below with immediate effect. The accounts have either never been disputed, to begin with, or are no longer in dispute. 

I am asking the dispute comment to be removed from the following items : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Once again this is not a request to investigate, but to update, so I expect you to update my file as soon as possible and not the regular 30 day period youre allowed for disputes XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2022-09-17
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: Experian Information Solutions Inc. (IL)

According to the FRCA The Term Investigate consumer report Means a consumer report or portion Thereof In which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items or information They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece Of information on this account are still not reporting 100 % accurate and according to the FRCA 15 U.S.C 1681 everything has to be accurate Account # XXXX XXXX XXXX
Consumer complaint received 2021-02-04
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Fidelity National Financial, Inc (NJ)

Does Chicago Title have a Title policy for my property located at XXXX XXXX XXXX XXXX, N.J. XXXX  YES or NO If Chicago Title does have a Title policy for my property located at XXXX XXXX XXXX XXXX, N.J. XXXX Please send me a copy of the title policy via the CFPB website so we can conclude our involvement with the CFPB and move on. 

If Chicago Title does not have a title policy for my property located at XXXX XXXX XXXX XXXX, N.J. XXXX Please let me know so I can take corrective measures. 

The matter will be resolved once I receive a copy of the aforementioned title policy until I receive a copy of the title policy or get advised that there never was a title policy the matter will remain open. I have had more than enough and now need to escalate the matter.
Consumer complaint received 2021-02-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (LA)

1. I am not receiving interest charged by XXXX XXXX  master card from merchant-initiated refunds in the amounts of {$100.00} and {$490.00}. ( explanations for refunds explained in complaint ) 2. My second concern is that my interest remains the same albeit that I am paying double the monthly payment! 
Both above listed refunds were refunded due to charge errors to my credit card from merchants. I reached out to XXXX XXXX  XX/XX/XXXX and was informed that I was not entitled to an " interest refund '' whether the refund was from a charge or return error. I made a complaint against this company XX/XX/XXXX due to its failure to recover funds from an illegal and unauthorized transaction. For this reason, I decided to work with XXXX and XXXX to recover funds that were posted to my account in error. XXXX account has two cards on file and the debit card that I used did not go through because the system used my delivery addresss zip code. I caught it immediately and corrected the error with the agent but not until the system charged the XXXX  XXXX  credit card thus, I had to wait for a refund. XXXX  XXXX  did not have authorization to charge my card and it took me to make a complaint with XXXX XXXX to get my funds back! 

My second concern is that my interest charges do not seem to change. I inquired about my interests amount and was given a rate 3.35 % ; Variable 21.99 % and XXXX I guess it means APR. I asked the agent several times to slow down and explain what was going on, uncertain if she knew. I inquired again if I could have my interest rate lowered and was told there were no promotions at this time. I went on to question How can the company feign to provide COVID-19 relief payment assistance and not offer the means to lower interest rates for the customer to continue to make payments? It appears to be ALL A RUSE! 

Attached you will see that the interest rates charged monthly do not change. On my XX/XX/XXXX statement the available credit was listed as {$570.00} and the payment due was {$170.00}. XX/XX/XXXX reflects a credit in the amount of {$490.00}, INCREASING THE AVAILABLE CREDIT TO {$1000.00} and yet the payment amount does not change! You can also see this in the increased payment amounts ( agent will excuse the cut and paste attachment for this card company has not provided online earlier statements for several years ) for example a payment of {$450.00} posted on XX/XX/XXXX reflected an interest difference from a {$200.00} made the prior month of {$0.00}! 
I have been with this company since the early XXXX and the number amount of monies applied have always affected the payment amount due to change from either higher to lower! It is as if no one is monitoring the system!
Consumer complaint received 2019-06-07
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Conduent Incorporated (IN)

In XXXX of 2018, my card was declined. When I contacted EPPICard   customer service, I was told that my account had been fraud suspended/closed and I would be able to order a replacement card as soon as the investigation was complete. Ive patiently waited, and called several times with no updates. I cant seem to order a replacement card and I am unable to access any of my child support payments for the past six months. Today, Ive spent over two hours on the phone with this company, and Ive yet to speak with anyone who can tell me anything. I have asked to speak to a supervisor and Ive been either hung up on, transferred back into the queue, or placed on hold. I cant seem to get any answers to my questions, nor can I order a new card to access my money that theyve not blocked me from accessing for over six months.
Consumer complaint received 2024-03-22
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (FL)

I received an Amex e-gift Card through email from an employer. I used a link to to validate and print the card, which loads on https : //amexrewardcard.com/account and shows a balance. I attempted to use this on XXXX ( using less than the amount on the card ). And the transaction is declined. I then tried various other amounts less than the full face value and was declined again. I attempted to purchase {$100.00} at XXXX XXXX and was also declined. Many people have reported having a problem this past year.
Consumer complaint received 2021-01-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: U.S. BANCORP (AZ)

This was a company account with a XXXX balance. After my husbands health made it impossible for him to consult any longer, I called in XX/XX/2020 to cancel the account. In XX/XX/2020 I received a bill with a {$25.00} membership fee and in XXXX another bill with a {$75.00} membership fee. I called after both statements and asked again to have the account closed and the fees removed. I was told then the note from XXXX was on the file, but not taken care of. In XXXX same thing. I called again and was transferred to supervisor who assured me it would all be taken care of. In XXXX same thing. I was told it would be taken care of and I should wait for the XXXX statement. When it arrived some of the late fees and interest had been removed, but new fees had been added and the membership fees were still on the account. On XX/XX/XXXX I called again and was passed through four different people. I was also told the notes from XXXX to XXXX were no longer in the file. Finally another supervisor said she would take care of it and call me back. Today I received a call again about the back bill I owed. I explained again and also made them aware that I was filing this complaint. I have been told again this will be corrected, but have no faith it will be. My husband died in XX/XX/2020 and I am undergoing medical treatment for XXXX XXXX. This is very difficult for me. Thank you for any assistance you can give me.
Consumer complaint received 2021-04-23
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (TX)

I had a Care Credit Card with Sychrony Bank. The company said they sent a letter on XX/XX/2021 after the XXXX XXXX XXXX set them my credit report to them. They said a number of reasons they closed my account. They say they sent me a letter o XX/XX/2021. That isnt enough time to do anything. I have not received a letter from them at all. Its fraudulent to get consumers credit reports and just closed accounts. A closed account on your credit report can greatly affect your credit.
Consumer complaint received 2021-05-03
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. (FL)

Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I have filed disputes with the credit bureaus and still have not receive anything from them. I understand they are in a state a different state then me but still should not take more then 30 days to reply to my requet.
Consumer complaint received 2024-03-22
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Big City Finance, LLLP (TX)

I have had a previous loan with this company that we paid in full but we did not have to pay weekly. We decided we would borrow again and they gave us instant funding, however the terms were not the same as the last one that we completed and paying almost {$200.00} a week until XXXX for a {$1200.00} loan is not realistic. We have already made 4 payments {$800.00} and I cant continue to pay this weekly or I will lose everything. The interest is almost XXXX percent and this is higher than the last loan we had that we paid off with them. I cant pay this and because its been auto drafted u til I ended the auto draft last week, we are now facing utilities being turned off. We thought this was every other Friday and this is awful what it has done to us in the last 4 weeks.
Consumer complaint received 2021-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

On XX/XX/2021, I received a letter from Experian showing that they were unable to honor my request because I did not provide them sufficient information. However, I sent them all the supporting documents that are required in order to submit a dispute. According to the response from the last complaint I submitted, they asked for verification of my identity to To process my dispute. I am exasperated because I have tried to resolve this on many occasions, and it is apparent that they are neglecting my request. The account, XXXX XXXX XXXX, is being negatively reported and STILL contains miss leading information. Attached are the documents that I sent them which include my current proof of address and identification.
Consumer complaint received 2019-06-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: GREAT LAKES (GA)

My student loan was due XX/XX/XXXX and was set up to be drafted on auto pay. I had to take my son to the emergency room which resulted in unexpected expenses and not enough money in my checking account for the draft. On XX/XX/XXXX Great Lakes attempted to take the payment 4 times and then 4 times again on XX/XX/XXXX resulting in XXXX of NSF fees. By the time my direct deposit came through on the XXXX, I was missing over XXXX dollars for a XXXX dollar payment.
Consumer complaint received 2024-03-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ASSOCIATED BANC-CORP (WI)

Fraudulent checks were processed through our company account XXXX months ago. 
Repeatedly requested an update on when the funds would be returned. Received numerous promises but no results, to date. Bank policy, after freezing an account, is to contact the customer to approve any new checks being presented. Bank employee processed payment and returns on several occasions without approval from the customer.
Consumer complaint received 2019-06-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BARCLAYS BANK DELAWARE (NY)

I APPLIED ONLINE FOR THE " XXXX XXXX  XXXX '' CREDIT CARD, WITH A $ {$99.00} ANNUAL FEE. I HAD A FOLLOW UP PHONE CALL WITH BARCLAYS BANK WHEN THE FEMALE CUSTOMER SERVICE AGENT RAN MY CREDIT REPORT WHILE I WAS ON THE PHONE, RESULT WAS XXXX, SHE IMMEDIATELY APPROVED ME FOR A CARD, {$25000.00} CREDIT LIMIT. I ASKED IF WE CAN LOWER THAT TO {$5000.00}, SINCE I AM GETTING THE CARD FOR THE XXXX  XXXX XXXX  BENEFITS, SHE AGREED AND LOWERED IT. I RECEIVED IN THE MAIL A " XXXX   XXXX '' CARD, NOT THE " PLUS '' CARD, WHICH DOES NOT HAVE MANY JET BLUE AIRLINE BENEFITS ASSOCIATED WITH IT. I HAVE MADE NUMEROUS ATTEMPTS WITH BARLCAYS BANK TO RECTIFY THIS ISSUE, THEY CLAIM I APPLIED FOR THE JET BLUE CARD, AND NOT THE JET BLUE PLUS CARD, WHICH IS NOT TRUE AT ALL. I AM TOLD I WOULD HAVE TO REAPPLY, AND HAVE MY CREDIT RAN ONCE AGAIN, WHICH IN TURN WILL LOWER MY IMPECCABLE CREDIT SCORE. SO, NOW I HAVE A CREDIT CARD THAT I NEVER APPLIED FOR.
Consumer complaint received 2019-06-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC (FL)

I received two notifications from XXXX that two debt collections from a company called Capio Partners - XXXX XXXX XXXX, XXXX XXXX, XXXX, Tx. XXXX were added to my credit report as collections ( one in amt of {$250.00} and other in amt of {$300.00} for Fl. Hospital ). I then disputed the information with XXXX as I had ever heard of this company or done any business with Capio Partners and requested collection agency provide proof of the original debt from FL Hospital or remove the items from my credit report. 
XXXX has provided me the results of my two disputed items above for Capio Partners who has indicated they verified proof of original debt and items remain on my XXXX report. Capio Partners has not provided me with any proof of the original debts with FL Hospital and can not verify the debts to me so they need to be removed from my XXXX report.
Consumer complaint received 2018-06-06
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Lost or stolen check — 
Company: GOLDEN 1 CREDIT UNION, THE (CA)

I did my tax returns on XX/XX/XXXX and accidentally typed one digit wrong for my account number since I chose direct deposit. Golden One Credit Union refuses to be of any assistance and did not check the social or other info to verify it was the correct account. I already contacted them and the irs to no avail. A letter of indemnity was sent 90 days ago. It was {$570.00}. The other account withdrew the money immediately and supposedly spent it. The money was deposited into the other account XX/XX/XXXX.
Consumer complaint received 2019-06-07
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: TD BANK US HOLDING COMPANY (NJ)

Hello, Early in 2018 I found I had {$18000.00} in fraud on my checking account at TD Bank. 

They told me to contact XXXX, which is where the charges originated. I contacted XXXX and they told me they could not tell me about the charges, due to privacy laws. 

I called the police. The police assumed it was done by one of my XXXX cousins and asked if I wanted him investigated -- at that point, I had doubts that it was him, and said no I do not. So the police did nothing in my case and I had to investigate on my own. 

I eventually found that one of my ex-girlfriends had committed the fraud on XXXX by compiling a list of suspects I had, and using their information ( addresses, names, etc ) while over the phone with XXXX to overcome their privacy protection laws. 

I reported this information to the police who finally secured a trial against her, which she refused to show up for. A bench warrant was issued for her arrest, but it's been months now and nothing has happened. 

There has been no progress on this and TDBank, and XXXX have treated me with contempt on this. Please, if it's possible, I am looking for any assistance I can find.
Consumer complaint received 2018-06-06
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION (WY)

I'm trying to sign up with XXXX XXXX ( XXXX XXXX XXXX ) on XX/XX/2018. 

I'm getting an error that Capital One is blocking external applications. Can't find a way to enable it.