davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/2018 Around XXXX XXXX I called Bank of America to redeem my XXXX cash rewards. My current statement balance is XXXX the representative told me I could redeem my cash rewards towards my balance. Then I requested to pay my remaining balance of XXXX dollars And some change ( the XXXX rewards money was XXXX and some change ) little I knew the representative told me no I still responsible for the minimum payment which is XXXX. I asked how I am responsible for XXXX when my balance after applying my cash rewards is only a little more than XXXX dollars ... he went on and on I requested a supervisor .... then The floor supervisor before he LAUGH AT ME told me the same thing. After feeling extremely disrespected I also found that their ads regarding " cash rewards usage " its HIGHLY MISLEADING ... .. Bank of America doesn't tell customers that you can not apply your cash rewards towards your balance .... they use it as a credit then in the next statement " '' they still owe you money " '' which appears as what they call a " credit '' .... thus it is misleading that they tell customers " '' YOU CAN USE YOUR CASH REWARDS HOWEVER YOU WANT " '' '' It is just wrong that I owe less than XXXX dollars and they make me pay XXXX to owe me money for next month.
Consumer complaint received 2021-08-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: EAST WEST BANK (CA)

My employer opened a business checking account at East West Bank XX/XX/2021. Also before the opening, the banker XXXX XXXX ( XXXX ) claimed it was free over the phone call but after the opening he said HE WAS NOT SURE and then he has been ghosting me for weeks for any email correspondence. This unprofessionalism and unresponsiveness for customers is beyond acceptable
Consumer complaint received 2019-11-14
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (MA)

I attempted to request a Mortgage Modification with my mortgage servicer Freedom Mortgage. On several occasions I have made the requests to appeal the initial decision on my request based upon the fact that my income is being calculated incorrectly and artificially inflated due to such error. Additionally they refuse to send any written communication to me stating that my appeal was denied and why. I have made this request several times in addition to requesting clarification on how they came to such a conclusion on my income. At this point, I have no other option then to request the assistance of a Government Oversight Agency as I have exhausted all avenues to rectify the situation.
Consumer complaint received 2021-02-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2020 and XX/XX/2020 I sent a the same letter twice to each bureau about inaccurate and unknown inquiries and other information on my credit report. It's been over 60 days and I have not heard back from anyone yet. I am suppose to receive some sort of response in 30 days after an investigation. I thought maybe the letter was lost in the mail so I sent it in again certified mail to make sure each company received my letter. I did my research and this is a violation of of FCRA, as a consumer I should not have to deal with this. I just found out my information has been impacted by the XXXX data breach and I am doing my best to remain calm in this situation and not stress about the unknown things on my credit report. Please act fast before this become a legal matter. Thank You
Consumer complaint received 2021-06-07
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ENCORE CAPITAL GROUP INC. (KY)

On XX/XX/2021 i was served with papers by the sheriffs dept. I thought it was over medical bills. This was actually a credit card account opened with XXXX XXXX credit card company that I did not open. On XX/XX/2021 i received in the mail a Motion for Default Judgment to appear on XX/XX/2021 in my local court. The company taking me to court is Midland Credit Management INC. I asked questions of how this account was started, what charges were made, if there was online orders. I was told they couldnt provide me with any information. only the day the account was opend and then closed. 
I explained to them that i had been paying. Explaining that I thought it was medical bills, but found out it was this credit card I did not open. Electronic withdrawals have been taken from my checking account. Dates of the withdrawals were, XX/XX/2021 confirmation XXXX {$12.00}, XX/XX/2021 confirmation XXXX {$10.00}, XX/XX/2021 confirmation XXXX {$10.00} and XX/XX/2021. confirmation XXXX. They say nothing has been paid on this bill. I inquired to where these payments have been going and my answer was send them the confirmations numbers and they will look into it. I requested so speak with someone regarding payments and i was then placed on hold without anyone getting back with me. 
I also explained that I am on XXXX XXXX and and my only income was XXXX. This is the second account opened in my name. the prior was at a XXXX XXXX XXXX. 
I requested information from Midland Credit Management about that card, date opened, what store, a photo copy of the XXXX XXXX. never got any response from Midland. 
Any help or guidance or help would be so appreciated.
Consumer complaint received 2023-01-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (NY)

Someone stole my identity address phone information to apply for a credit card from XXXX XXXX bank Chase Bank also XXXX XXXX, then the chase bank credit card was approved, the bank sent the credit card to my home address via XXXX, and then they called XXXX to transfer the credit card Send it to their address, as follows ( XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX ), until I received a letter from chase bank, I didnt know that someone used my identity address information to open a credit card account, I immediately called chase bank and returned Some banks told them that my identity information had been stolen.
Consumer complaint received 2021-08-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Update! 
Ref : XXXX Capital one not only lied about my card working fine and they put a hidden block on it. They sent me a new card and did the same thing. This company is full of lies! They are blocking access to my measly XXXX $ after I lost over XXXX $ through their spotty security. 

They are trying to get me to call them. They already broke the fdic rule and I have in taped. This is their retaliation and this is how they treat costumers that loss big due to thri data breaches.
Consumer complaint received 2020-10-19
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

How are you doing? It's been more than 60 days since that i tried to dispute this and still no results. I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate Hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't XXXX  student loan servicer sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.
Consumer complaint received 2024-01-15
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. (TX)

I'm sending this complaint to request credit inquiries that were unauthorized to be removed from my credit report. 
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 2020-10-19
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.
Consumer complaint received 2020-11-03
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: WELLS FARGO & COMPANY (NJ)

Received notice that Wells Fargo Home Mortgage was changing our account number on 2016. 

My credit reports states that the account was Sold or Transferred. It was not. It remains with Wells Fargo under a new account number. It was not modified or refinanced either. 

The issue is the old and the new reporting contains information for the same time period. It's not viewed as a duplicate account because it has two different account number via the credit bureaus but it is in fact duplicate for that time period as it's the same loan. We get hit twice with the derogatory reporting for the period XXXX.
Consumer complaint received 2019-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc. (CA)

I turned in my lease for my XXXX XXXX XXXX with GM financial on XX/XX/XXXX. On XX/XX/XXXX, I called GM financial to inquire when I would be receiving final amount due on the lease. They informed me that the payment had yet to be determined but I would be receiving a letter in the mail when it was finalized. On XX/XX/XXXX, I called in again to ask the status of the final amount due and was told that a letter had been sent to my previous address with a due date of XX/XX/XXXX. I asked for and was granted a 30 day extension from the XXXX to allow time for me to receive a new bill and to respond. On XX/XX/XXXX I received an electronic copy of the bill. I mailed a check with the full amount of {$2200.00} on XX/XX/XXXX. GM financial processed the check and the money was debited from my account on XX/XX/XXXX. On XX/XX/XXXX, I received a notification from my credit monitoring service that the account had been reported as 30 days delinquent. A couple days later, the delinquent account status was replaced by a late payment derogatory mark. 

I have been corresponding with GM financial throughout the process. Their processes are slow and ineffective. On XX/XX/XXXX, they claimed a 30-45 day turnaround time to remove the mark. They promised a letter would be issued within 5-7 business days to allow me to show potential creditors that they were correcting an inaccurate report on my credit. As of this writing on XX/XX/XXXX, they have not yet done this. After yet another phone call, they are asking for another 5-6 business days to send out the letter. Meanwhile, my credit score has dropped 84 points from XXXX to XXXX. I no longer qualify for top tier automotive lending solely because of GMs incompetence.
Consumer complaint received 2018-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (MI)

Recently an account that was previously listed on my credit report that had been deleted reappeared without proper notification.This account appeared on XX/XX/XXXX on my Experian credit report in the amount of {$1500.00}, and also on my XXXX credit report on XX/XX/XXXX. I was not properly notified which is supposed to be mandated according to the FCRA. Also the information was not certified to be correct.
Consumer complaint received 2021-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Capital Accounts, LLC (FL)

XX/XX/2021 Consumer Financial Protection Bureau Dear Gentlepersons, This is a complaint against XXXX XXXX XXXX XXXX XXXXXXXX TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX and Capital Accounts XXXX XXXX XXXX XXXX TN XXXX The companies that are listed above are reporting a collection account on my credit report that is erroneous. The listed original creditor is XXXX XXXX XXXX at XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX CA XXXX. I have informed the companies that I paid for services and found that the dentist, XXXX XXXX XXXX, charged my credit card for {$2000.00} even though she was paid by the insurance company for services. The erroneous collection account appeared on my credit reports after I filed a complaint against XXXX XXXX XXXX with the appropriate governmental agencies. 

I am asking for disciplinary action against the three companies listed above and immediate removal of the derogatory collection account on my credit record. 

Thank you in advance for a reply. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, FL XXXX Email : XXXX Phone : XXXX
Consumer complaint received 2019-11-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I visited a bank officer at the branch in XXXX, New Jersey and the bank manager at the branch in XXXX, New Jersey of Bank of America to ask them to remove the 2 stop payment fees of {$30.00} each on each check of {$54.00}! 
I told them these fees were exhorbitant because each check was for {$54.00}! 
The fees have not been removed!
Consumer complaint received 2018-02-10
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: Santander Consumer USA Holdings Inc. (NY)

I have recently obtained a copy of my XXXX credit report. it showed a credit inquiry by your company that I do not recall authorizing. it is my understanding that you are not allowed to put an inquiry on my file unless I have given you express authorization to do so. Please have this inquiry removed from my credit report because it is affecting my loan applications and making it very difficult for me to acquire credit.
Consumer complaint received 2018-02-10
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: CarMax, Inc. (NY)

I have recently obtained a copy of my XXXX credit report. it showed a credit inquiry by your company that I do not recall authorizing. it is my understanding that you are not allowed to put an inquiry on my file unless I have given you express authorization to do so. Please have this inquiry removed from my credit report because it is affecting my loan applications and making it very difficult for me to acquire credit.
Consumer complaint received 2023-04-04
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: EQUIFAX, INC. (WI)

XXXX XXXX XXXX XXXX DATE OF INQUIRED ; XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I RAN MY CREDIT REPORT IN I SAW FRAUDULENT ACTIVITY ON MY REPORT THAT I HAVE NO KNOWLEDGE OF OR I DID NOT CONSENT TO I WOULD LIKE IT ROMVED FROM MY REPORT WITHIN XXXX XXXX UNDER THE FAIR CREDIT ACT. FROM THE LOOKS OF THING SOMEONE HAS GOT MY INFORMATION.
Consumer complaint received 2022-04-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

XX/XX/XXXX a charge appeared on my capital one XXXX for {$4100.00}. I Paid the entire bill including some other small charges thinking my husband made the charge. Then next day I realized it was an incorrect charge, I immediately called capital one to dispute it. I also disputed several other charges for {$28.00}. The credit card co later found I had already disputed the {$28.00} charges and was credited for them so they reversed the second credit. At the time of the dispute the person I spoke with told me I would have to wait 3 months to get my {$4100.00} back unless the company responded. A month later I called to see the status and I was told a check could be issued. I never received the check so I called again and was given a different story. Now 3 months later I am told I have to still wait because the {$28.00} charges were not settled. The two disputes have nothing to do with each other and the {$28.00} charges were settled they charged them back to my account. Now they want me to wait until XX/XX/XXXX and then they will review it and possibly get back to me by mid XXXX. This is absurd. I have told them the charge was an error and the company was aware of it. It was paid by a different credit card. capital one should not hold my money for so long. I would like this amount plus interest returned immediately. Every time I call I get a different story. They now tell me that I could have had that money returned within a couple of days if I had asked for it. I did ask and was told it would take several months. Because I did not use the exact terminology they are getting away with this on a technicality.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I took an XXXX Loan out to pay for my XXXX order, I made all my payments on time DESPITE MY UNEMPLOYMENT, EVICTION, CAR REPOSSESSION, I HAVE NEVER BEEN LATE ON THE PAYMENTS FOR THIS ACCOUNT AND I WANT THIS LATE PAYMENT EXPEDITIOUSLY REMOVED FROM ALL CREDIT REPORTS ALONG WITH {$100000.00} AND MY ALL OF CURRENT LOANS PAID IN FULL OR {$100000.00} PLUS LEGAL FEES ALONG WITH THE LOANS ON MY ACCOUNT PAID IN FULL AND REMOVAL OF THIS ACCOUNT AND ITS ENTIRETY OFF ALL MY CREDIT REPORTS EXPEDITIOUSLY!!!
Consumer complaint received 2021-06-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Designed Receivable Solutions, Inc. (CA)

I am submitting this complaint, because DESIGNED RECEIVABLE SOLUTIONS, INC has committed multiple violations and mistakes in my credit reports. This company has damaged me being NEGLIGENT AND UNFAIR. They have committed several damage. I haven't been able to get mortgage, I've been paying higher rates on loans, they have failed to secure funding, I have suffered psychological hardship and suffering through loss of sleep and anxiety. 

Accounts information : 1. Account number : XXXX, date XXXX, original balance : {$30000.00}. 
2. Account number : XXXX, date opened:XX/XX/2019, original balance : {$280.00}. 
3. Account number : XXXX, date opened : XX/XX/2019, original balance : {$510.00}. 
4. Account number : XXXX, date opened : XX/XX/2019, original balance : {$150.00}. 

Your company is committing multiple violations to the CCRA. Please read them carefully. I need you to take this matter seriously : The hospital failed to bill XXXX insurance. 
There were unnecessary procedures that I was put through that were not necessary. 
Hospital over-billed and made me agree to take more expensive procedures than needed. 
I was grossly over-billed for what was one hour visit. 
Unfair business practices and negligence. 

Because all the damages and violations that I have suffered, I demand to get the accounts removed from my records. I give you a deadline of 30 to do so. Please be advised that unless this these items are removed from my credit report, I will file small claim based on all the violations mentioned above. Im open to resolve this issue in a good way. If you decide to ignore me, I will file a small claim in the next 30 days.
Consumer complaint received 2021-02-01
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CREDIT CONCEPTS, INC. (WA)

In XXXX I was informed that I was being garnished from an old auto debt. With out any notification. With out ever being served. 

It was to late to do anything and the company took 25 % out of each of my checks about 7 checks in total. 

After the last garnishment, I contacted the company o set up arrangements in XXXX. I spoke with XXXX. We set up an arrangement for me to pay XXXX on XX/XX/2021. 

I tested positive for XXXX  and had been in the hospital on a XXXX, when Irecieved an email stating that if I did not make a payment bu XX/XX/XXXX, she would re issue a garnishment order. 

I find this very appalling and i'm actually flabbergasted that I would be threated with another garnishment. I was never served properly, and the to threaten me with another garnishment when I haven't worked in two weeks is disheartening,
Consumer complaint received 2022-04-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Sent notice of billing errors via certified mail with return receipt XXXX XXXX To Capital One credit card request an investigation into billing errors and the use of my social security number. Also see attached documents
Consumer complaint received 2022-04-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (MO)

On XX/XX/22 I deposited {$270.00} into an atm at a us bank location. My money was taken into the machine and I received an error on the screen and a receipt stating that my money was not deposited to my account. I have called multiple times to us bank and have been told many different outcomes and assured my money would be placed in my account. To this day it has not been and I feel like the bank is scamming me. I have a receipt to provide details from the atm.