davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Prosper Marketplace, Inc. (MT)

I called PROSPER, XXXX XXXX, & XXXX to try and resolve the following matter but unfortunately the lady that was speaking to me was rude, unprofessional, and not helpful at all. I recently reviewed my credit REPORTS and observed that Prosper IS NOT reporting my monthly payments to all the credit bureaus, XXXX XXXX, & XXXX. Furthermore, PROSPER, XXXX XXXX, & XXXX has a note on my credit report which states " National Disaster ''.
Consumer complaint received 2020-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Total Card, Inc. (OH)

TOTAL VISA IS REPORTING AN ACCOUNT ON MY TRADELINES THAT I AM DUSPUTING. I SPOKE WITH A CUSTOMER SERVICE REPRESENTATIVE NAMED XXXX ON XXXX WHO STATED THAT THIS COMPANY DOES NOT HAVE THE ACCOUNT. IF THEY DON'T HAVE THE ACCOUNT HOW ARE THEY REPORTING LEGALLY?
Consumer complaint received 2015-04-11
Product: Credit card — 
Issue: Billing statement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

After having my card fraudulently used, XXXX XXXX issues over XXXX " refunds '' for fraud, but not by tying them to the specific charges. Now, XXXX month later, they have re instituted XXXX charges without any narrative other than " Move Debt From Fraud Account ''. When I called they say they are some accounting transfer issue. Of course, I can not verify that any of these charges are accurate, because there is no explanation. I called to place them in dispute as " not recognized '' and XXXX XXXX refused to do so, saying that they were charges from the now-closed card. However, these charges have never been presented to me online nor in my monthly statement, so I can not verify that they are accurate. The phone agent even told me that he was only allowed to give me the information that they are old transfers, but nothing more. Certainly they are having some internal issue and trying to pin it on their customers. 

Simply put, XXXX XXXX refused to follow the law by placing these in dispute as not recognized until they can give me some modicum of proof that these are actually charges that I made. Please take the to task for it.
Consumer complaint received 2015-04-13
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: ORG GC GP BUYER, LLC (NY)

I am being harassed by a company called http XXXX/ or GC Services. They have called me repeatedly at my place of work, demanding to know my social security number. They do this in spite of my formally complaining to them. This is illegal.
Consumer complaint received 2018-03-16
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 — Problem with personal statement of dispute
Company: HUNTINGTON NATIONAL BANK, THE (MA)

I am a senior citizen now and have a fixed income, social security check and I also work part time and have a pension. I filled out a credit application on XX/XX/18 for an auto loan with XXXX XXXX in XXXX Ma. They sent my application to 3 different banks and all 3 denied me credit because of the following : Proportion of balance to credit lmt too high on revolving accts Amount owed on revolving accounts is too high Too many accounts with balances Too many recent credit checks I have never asked for or applied for any credit in years, so I believe the last statement is not valid. I have had credit cards for over 20 yrs. and have never missed a payment or never been late on any card. I am able to manage my money. My daughter and I own our home together and each pay half of the mortgage, utilities and food. This is how I am able to manage my money. I need a car to get to work, grocery shop errands, etc. and have never been denied credit to get a car. Currently I lease a car and it has worked out great for me. The car is due back by the end of next month. Now, because I've been denied credit, I'm so afraid to go anywhere else to try and get another car. I have to have a car and I don't know where to turn or what to do .... I'm so worried and anxious all the time. My credit score on the letters says it is XXXX and the other 2, XXXX. If I look online, XXXX has it as XXXX. I believe this is a good score. A car is a necessity, and if I've never been late or missed a payment, I feel I should not be denied. The following are the names of the companies : The Huntington National Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-04-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: I.C. System, Inc. (OH)

I was a customer for many years. 
We have cottage at XXXX Ohio. We open it up in XX/XX/XXXX And close it in XX/XX/XXXX. In late XX/XX/XXXX I Packed the equipment and sent it back. I call XXXX and said we were done for the year. They continued to bill us until XX/XX/XXXX. I tried to fight it but they would n't agree. I do n't owe these extra charges.
Consumer complaint received 2022-08-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NC)

On XX/XX/XXXX, I spoke with XXXX and emailed her at XXXX, sending her correspondence dated XXXX that confirmed the bank added a revocable trust as the beneficiary to a checking account and a savings account. I also emailed the trust documents, death certificate, and my photo ID. XXXX got her supervisor, XXXX, involved on the call. I was told theyd check with legal and call me back. XXXX called me back the same day. I was told legal checked with XXXX XXXX, one of the authors of the original correspondence, and legal confirmed Santander sent confirmation of adding the beneficiary to the accounts but have no explanation as to why the trust is not currently listed as the beneficiary on these accounts. The account holder died and I am the trustee of the revocable trust. I am trying to close the accounts but Santander refuses to honor the Trust as beneficiary. Santander is claiming I have to get a letter from probate court. However, the whole purpose of the account holder creating the trust and listing the trust as the beneficiary on her accounts is to avoid the time and expense of probate. On XX/XX/XXXX, letters arrived from SantandeXXXX stating they are going to close the accounts and escheat the funds to the state of South Carolina due to inactivity. I can not get XXXX or XXXX ( or anyone else ) to return my call or respond to my follow-up email.
Consumer complaint received 2016-12-19
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: U.S. BANCORP (CA)

I was charged excessive overdraft fees by U.S. Bank checking account. I would check the account every morning and night and discovered that I was getting overdrafts from three days ago when they said my account went negative. I then talked to a supervisor and told him that very morning my account was positive XXXX dollars at XXXX XXXX and then at approx. XXXX in the afternoon my account was suddenly negative XXXX dollars because they charged XXXX overdraft fees for XXXX day.
Consumer complaint received 2016-10-06
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Action Collection Service (ID)

I received over XXXX phone calls from debt collector and with each phone I requested a written verification of what the debt was and how much the total was for. Each time I was assured that the notice would be sent, I verified they had the correct address to send me said written verification. I have never received anything in writing from them, only phone calls and at times harassing phone calls calling me " stupid '' and threatening legal action. The agent 's name was XXXX, and he called me in XXXX of 2015, he became abusive and aggressive when I told him I needed one more week to satisfy the " verbal '' agreement I made with XXXX in XXXX of 2015 to whom I made a {$200.00} payment. The agreement with XXXX that was again asked for in writing, and was never received, XXXX stated " there is no XXXX and you are stupid to think that anyone would make an agreement with you that is why you will never get anything writing, may you should have died in your accident to make this process easier ''. 
I also have paid {$700.00} to date on the account and was told that I had satisfied this account upon the last phone call from them in XXXX of 2015. I requested this account be removed from my credit report as satisfied I was told " thank you for the payment, and we will do this ''. I again requested that I receive a " paid in full '' statement from them, I was assured that it would be sent and yet again there was no written correspondence. This company does not send out notification of debt to collect, they will only call and then not honor any agreement that is entered in to, nor will they give a terms agreement in writing. They also hold accounts over that get payment on for several years or months to gain more interest to charge to the customer. I have been told by agencies who previously utilized them that " They never remove themselves from anyone credit report, they just wo n't do that ''.
Consumer complaint received 2022-02-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (WV)

On Friday XX/XX/2022 I made a payment to my CapitalOne Quicksilver card and my CapitalOne Platinum card. I normally do not pay off my balances but this time I had received a bonus from my employer and I am trying to improve my credit score by paying all credit cards off and using 1 card to receive cash back. Normally my balance is reflected immediately following a payment because I use my CapitalOne checking account to pay these cards. A few days later ( Tuesday XX/XX/2022 ) I called to find out why the balances showed as XXXX but the available credit also showed as XXXX. I spoke with 3 different representatives ( increasing in management ) and all of them stated that on occasion ( no real rhyme or reason ) their system will put a hold on a payment. First of all, I have never heard of a financial institution putting a hold on a payment ( and I work as a Sr. Compliance Officer in a financial institution ). Secondly, the payment came from their bank!! I pay my cards from a CapitalOne 360 Checking account. The funds arrived there by ACH ( not a check ) and they said they needed to verify that the funds were there? They stated that the hold is for 7 days and my balances will be available on the XXXX. I find this to be a XXXX  violation as I can normally use the Quicksilver Card to gain cash back on my purchases of which I planned on using this card for not only a vacation ( birthday on XX/XX/XXXX and XXXX  day on the XXXX ) but also some home improvements ( this represents a financial loss to me ). Also, the representative told me that if this were an emergency they would try to work something out for me.. Why would it have to be an emergency? It should be just good old fashioned customer service. Apparently I am not important enough to them. Please feel free to reach out to me. I will be filing a formal complaint through their CEO 's email as well. I will be removing all of my accounts from CapitalOne as soon as possible. This will also cause me financial harm as closing credit cards will have a negative impact on my credit score.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IN)

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-09-03
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL (ME)

I 've been a loyal Banana Republic cardholder for around three years, and have had a {$10000.00} line of credit. I have an excellent credit score ( above XXXX ) and have never had a late payment or any issues on other issues with my account with the exception of them consistently putting holds on my account for fraud when I buy items in towns anywhere other than my own ( despite repeated calls letting them know that I travel frequently for work ). In the last month I 've called them on multiple occasions because of issues I 've been having with their online payment system. The first time I had an issue their online payment system debited the incorrect bank account account. I filed a Reg-E claim with my bank, as the deduction was not authorized. A second instance of them attempting to deduct money from an account that was n't even mine occurred a week ago. I called them immediately and told them that the account was not the account I had selected for payment. I then went back into the online system and paid the payment in full with the correct account. Two days later my card was declined, and after calling I was able to determine that they had closed by account with no notification at all. They are also trying to invalidate more than {$300.00} in rewards that are rightfully mine. I 've never been treated so disrespectfully or seen such terrible customer service. In the entire time I 've been a cardholder I 've never made a late payment. They informed me that the issues I was having with online payments were my problem, not theirs, and have now hung up on me twice when I called to discuss my concerns. By closing my card with no notification they are not only impacting my credit but also put undo hardship on me and my family as I had pending payments that I was forced to try to correct before incurring additional fees.
Consumer complaint received 2016-08-31
Product: Credit card — 
Issue: Credit determination — 
Company: HUNTINGTON NATIONAL BANK, THE (PA)

I applied for a credit card at my bank and was turned down. I received a letter that they turned me down because of XXXX. I called and asked what were the main reasons I was turned down or how to get the main reasons. they said I had to go to the bank to find out. I am XXXX and do n't drive in essence cant get to bank. bank would n't help me.
Consumer complaint received 2015-06-18
Product: Credit card — 
Issue: Late fee — 
Company: BARCLAYS BANK DELAWARE (CA)

My wife makes my payments for me online. She usually makes the payments the day they are due or the day before. She makes the payments online. I recently looked at my account and found that I was charged late fees even though the payments were made on the due date. I find it hard to believe that it is legal for a credit card company to take my money ( payment XXXX out of my checking account on the due date and post it the following day in order to charge me a late fee. Is this legal? I want them to credit my account all of the late fees they have charged me in the past year.
Consumer complaint received 2021-10-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I see multiple 60-30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2017-02-18
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (KY)

I sent XXXX dollars to the wrong account at XXXX XXXX. I called USAA my bank account and they said the money was already gone and there was nothing they could do and that I would have to call XXXX XXXX. XXXX XXXX, of course, would n't speak to me because I am not a customer.
Consumer complaint received 2017-02-07
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Creditor's Collection Service, Inc. (VA)

I was not told up front the cost of this treatment I told the company I did not have insurance and they made me think it would be covered under XXXX. I was referred here by the hospital and never told cost up front and the bill could not be covered under XXXX XXXX I never received a right to dispute letter from the collection company after it was sent to collection and they are collecting almost twice the amount due after today I called the medical company to find out how much the company charged me for tests they failed to reveal the cost of. Creditors collection is asking for XXXX the total XXXX gave me today was XXXX.
Consumer complaint received 2022-02-08
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: AMERICA FIRST FEDERAL CREDIT UNION (MT)

Hello and thank you XXXX XXXX XXXX XXXX XXXX XXXX has Merged with America First Credit Union in Utah. 
I have a item appearing on my credit report that belongs to an ex-husband. I declared bankruptcy ( Discharged XX/XX/2020 ) and it shows delinquent 6 times after that. I do not know what he has done since we almost never communicate. 

We are trying to buy a house ( My new husband and I ) and this needs to be removed from my credit file so we can get the VA loan approved.
Consumer complaint received 2022-02-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Trident Asset Management, L.L.C. (AL)

No information given regarding account. Violates federal XXXX XXXX XXXX also no medical release given and eligible to collect on debt per Section XXXX ( XXXX ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Consumer complaint received 2016-05-09
Product: Credit card — 
Issue: Billing disputes — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MI)

RE : Unauthorized charges on my credit card from USAA, account restricted, unable to reach a representative within a reasonable amount of time and refusal to investigate my claim. 
I am a married father of XXXX young girls, run XXXX separate business : Build custom homes, Promote large events and provide entertainment services for Weddings, XXXX 's, charity events etc ... I have a highly regarded reputation, provide my services for many of the wealthiest families in Michigan and I have a great credit history with all my lenders. However, my latest experience with USAA regarding unauthorized credit card transactions have been incredibly frustrating and time consuming. 
Around XXXX XXXX, I was unable to log into my USAA account, I made numerous attempts to contact USAA, but once my hold time exceeded XXXX minutes I would hang up, hoping to find a better time to reach them. Finally, on XXXX XXXX, at approx. XXXX I reached a representative ( male ) he verified me and provided a passcode to log in. Once logged I noticed a balance over {$8000.00} whereas my balance should have been around {$3500.00}. I informed the representative there were numerous unauthorized transactions. He transferred me to Fraud investigator XXXX XXXX XXXX, I informed her all the charges from XXXX XXXX 2016 to the present were unauthorized. I identified these charges and incredibly this fraud investigator refused to take my report. She informed me that since my card was revoked. ( NOTE : card was revoked due to fraud transactions ) She was unable to take the report and transferred me to the Debt solutions department. Debt solutions dept. was not open, therefore I had to call back the next day. 
On XXXX XXXX at approx. XXXX I contacted XXXX, this took XXXX attempts and over XXXX minutes of hold time. At XXXX the next day I called and after more hold time lasting over 30 minutes XXXX from the XXXX answered. ( This is a different XXXX with same first name as the Fraud departments investigator ) This gets better, XXXX also informed me she was unable to help and placed me on hold for over 30 minutes. Finally, I could not keep holding and hung up. 
Days later XXXX XXXX, USAA reported my account revoked and a balance of $ XXXX this lowered my credit score by XXXX pts. and will jeopardize a XXXX figure construction loan i MUST apply for in a few weeks. 
I have exhausted every reasonable attempt and my only other alternatives are complaining to government agencies and follow up wit Civil action. During my conversations with USAA I did warn them of reporting inaccurate information to the credit bureaus as my ability to finance real estate to develop would be in jeopardy. I have also emailed these concerns and mailed certified letters the XXXX disputing the balance USAA is currently reporting. It is also important to note that over the last few months I have paid over {$80000.00} towards my revolving lines of credit per advice from my loan officer in preparations to obtain a large ( XXXX figure ) construction loan
Consumer complaint received 2016-10-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Advanced Collection Bureau, Inc. (LA)

XXXX XXXX. I moved from this apt . complex and was up to date on my rent. One year later recieved letter stating that I own them {$1100.00} dollars. 
I now have the credit book, how to fix your credit. On XXXX XXXX I sent them a certified letter stating that, they need to sent me a letter with my signature on it to proved that I own the {$1100.00} dollars. On respond! Now they will not sign for my XXXX certified letter stating that they removed this from my credit report and that they failed to respond in the 30 days under the Fair Credit Report Act.
Consumer complaint received 2022-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

XXXX XXXX is fraudulently reporting on my consumer report without written consent. XXXX XXXX provided a signed contract that is between XXXX XXXX and XXXX XXXX XXXX XXXX only, which has been settled. There is no signed contract between XXXX XXXX and XXXX XXXX XXXX XXXX Requesting that this information be removed from my consumer report immediately.