davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-18
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)

TO CFPB A merchant XXXX XXXX XXXX charges my CREDIT CARD Capital One ending in ... ... ... ... XXXX the amount of {$64.00} a month I cancelled this suscription XX/XX/2021 Capital One keeps continuing charging me {$64.00} since XXXX to today I have submitted claims to Capital everything month every since with supporting documents. ( See my letter attached ) Still Capital One charges the amount of {$64.00}. I have filed a complaint every month. Capital keeps sending me boiler plate letters with the same questions The last letter I received dated XX/XX/2021 states that my case Number XXXX ( attached ) Capital One asked me to contact the merchant XXXX XXXX XXXX Phone XXXX XXXX XXXX They put you on hold for two hours, then hang up. They refered me to a link, vert confusing, english is my second language I was not able to follow through. XXXX is another scam compay.
Consumer complaint received 2016-04-15
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SYNCHRONY FINANCIAL (VA)

I received a response from the bank on XXXX/XXXX/2016 with a copy of something I supposedly signed and a letter refusing to remove fraudulent information from my credit report and claiming that I signed up for the card online but has not provided an IP address that can be linked to me. The bank could have sent me this IP address proving to me that the debt is mine and trying to make payment arrangements. Since this debt is years old and the bank has had more than enough time to provide proof that could not be questioned in a court of law, remove this from my report immediately.
Consumer complaint received 2015-04-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (KS)

There is an account being reported on my Equifax credit report as an OPEN account in collections. The account has a {$0.00} balance and was discharged in Bankruptcy yet is still being reported as OPEN. This should be a closed account. The following is showing on my EQUIFAX Credit Report : Agency : XXXX XXXXOriginal Creditor : XXXX XXXX XXXX XXXX Date : XXXX XXXX, XX/XX/2011Status : Open
Consumer complaint received 2016-07-12
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: AMERISAVE MORTGAGE CORPORATION (ID)

I have been refinanced my mortgage with AmeriSave Mortgage Corporation on XXXX 2016. Then I told XXXX XXXX XXXX and XXXX XXXX XXXX that I will pay a Property Tax and Home Insurance by myself. But XXXX XXXX and XXXX XXXX and their company did not agreed it. They forced me to gave money to them and they told me that they will pay Property Tax and Home Insurance for me. Then I sent my money to them and they collected my money but they did not pay Property Tax for my home. Today, I got a bill with interest, and late charge from XXXX XXXX XXXX as following : Base Tax : {$830.00} Late Charge : {$16.00} Interest : {$58.00} I am trying to contact them but they told me that they did not have collected a money for Property Tax and Home Insurance. I would like to know that are they a scam company or not?
Consumer complaint received 2020-06-22
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. (CA)

In XX/XX/XXXX I applied for a XXXX XXXX credit card and was denied. In the denial letter, XXXX stated that the denial was based on negative information reported by TransUnion. After contacting TransUnion and receiving a copy of my credit report, I was informed by TransUnion that I had no negative information that could have been used in XXXX XXXX  decision. After days and hours on the phone, I was finally able to contact a representative from XXXX who informed me that their internal records system showed I still had a negative account from XXXX ending in # XXXX. This is an error on XXXX XXXX  end, as this account was included in a Chapter XXXX Bankruptcy in XXXX. XXXX declined my application for a credit card 12 years after the fact using internal records and data information that was not provided to any of the 3 credit bureaus, yet it was the main piece of information used against me when judging my creditworthiness. This behavior is unacceptable to me, to use outdated internal information ( that is actually incorrect and should have been properly been listed as " included in BK in XXXX '' ) for a credit decision that the consumer doesn't even have access to and can't properly dispute through the credit bureaus. I was able to obtain the address for XXXX XXXX  internal dispute department and wrote them on two separate occasions, yet have not received any type of communication from them. Please assist me in this matter, as XXXX is completely ignoring me. Thank you.
Consumer complaint received 2018-05-30
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC. (VA)

I was issued a 37 month personal loan by XXXX XXXX for the amount of {$1700.00} in XX/XX/2017. The current remaining balance is {$1500.00}, Ive been making payments of $ XXXX monthly for 11 months ( on time ). The interest rate on this loan is astronomical, I signed up for a 37 month loan and at this rate it is going to take over 120 months to pay off. How can one term of my loan so heavily contradict another? Is this legal?
Consumer complaint received 2020-10-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including Repossessions. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX.
Consumer complaint received 2016-10-24
Product: Prepaid card — Other special purpose card
Issue: Fraud or scam — 
Company: AMERICAN EXPRESS COMPANY (VA)

I purchase a item the item was cancelled the store sent the money back to the card and now the company says My account has been closed due to a fraud investigation this has been ongoing for about XXXX months now when in fact me and the merchant called and talked with someone.I heard nothing from them in regards to my account, I have to keep calling them with no response besides call XXXX
Consumer complaint received 2016-11-04
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: SYNCHRONY FINANCIAL (OH)

Synchrony Bank has issued a credit card that resulted in hard inquiry into my credit record and subsequent reduction in my credit score, without my prior permission or authorization. I have never requested a new card and would have refused to have it issued had I known in advance. However no one ever asked. The Synchrony Bank just went ahead and did this on their own volition. 

The card does n't provide an option for the activation, nor does it provide a valid contact number. The number listed can not be reached, this bank is not XXXX member, and there is no way to contact them. Furthermore, I have never received any terms of using this card. 

Bottom line, I want this card canceled, I vigorously object to have my credit checked without my permission, and I do n't want to ever have this card, period!!!! I am very disappointed, I have worked hard to get my credit score to over XXXX and now it has taken a dip, thanks to the Synchrony bank. I deeply dislike this kind of practices. I DO N'T WANT TO EVER HAVE ANYTHING TO DO WITH THIS INSTITUTION!!!
Consumer complaint received 2020-10-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

In early XXXX Capital One sent me an advertisement for a credit card with the offer of no interest on balance transfers and on purchases for 12 months. I took out the card in XX/XX/XXXX and transferred a {$2000.00} balance to it. The credit limit on the card at that time was {$2000.00} therefore I made very little or no purchases and paid the minimum balance each month. 

On my XXXX and XX/XX/XXXX statements there was " Interest Charge on Purchases '' for {$36.00} and {$30.00} respectively. I called the company several times and pointed out that 12 months had not past and they kept insisting that the period was nine months. I requested a copy of the original card holder agreement on three separate occasions and they kept sending me the CURRENT agreement. I know it was the current one because my credit limit had increased and the agreements they sent all included the new credit limit. I have called several times, with no success, to get this issue resolved. 

I have paid off all my balance except the total interest charges which keeps growing because of additional interest charges.
Consumer complaint received 2017-04-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (IL)

Bankruptcy case #  XXXX   XXXX   XXXX  All the above cases are being reported on my credit report. the listed source of the information is listed as   XXXX   XXXX   XXXX     XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , IL  XXXX  (  XXXX  )  XXXX  Upon speaking with them I was told that they do not verify anything with the credit bureau.They also sent me a letter which I have attached as well. After several attempts to dispute these items I was told by the credit bureau that these items were verified.
Consumer complaint received 2016-05-03
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A. (VA)

XXXX has sat vacant since before XXXX XXXX, 2013. It is located a XXXX XXXX coming into the XXXX of XXXX, VA. and the City has been improving XXXX XXXX to be more appealing to people entering the City. Because of this house is sits directly on XXXX XXXX, the City has been contacting the XXXX to do something to make repairs on the house. Because of the condition of the house, there has been an adverse affect on any house that is on the market for sale. The XXXX has always suffered from the reputation of being housing for low income residents and this house condition reinforces the preconceived reputation that our XXXX has.
Consumer complaint received 2016-04-23
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc. (PA)

Received collection letter stating that an unpaid paypal acct is in my name, never had a paypal acct. Second time theyre trying to collect, first attempt they recalled the collection after i complained to CFPB. This could go on forever. They recall when i complain and then reassign to another collection agency.
Consumer complaint received 2016-07-07
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Bonneville Billing and Collections (WA)

I just received a notification from my payroll department of a judgment for garnishment in the amount of XXXX. I NEVER HAVE BEEN SERVED OR SENT A CERTIFIED LETTER NOTHING. Had I been notified of this debt I would have acknowledged or objected depending on what the debt is for!! Now my payroll director will be deducting XXXX $ every paycheck. I am a single mother who if I have to pay this along with my other bills and obligations will cause me to lose my house!! I work XXXX jobs and I 'm obtaining my XXXX XXXX. This is illegal! I was never given the chance to to object or even to take care of this debt on my own without getting my corporation involved!
Consumer complaint received 2016-11-28
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL (AK)

Synchrony bank the issuer of my sams club MasterCard will not apply a payment towards the balance, if made on the XXXX, or the XXXX. A payment made on these dates will reduce the balance, but will not be applied paying off the previous months balance to not incrue interest charges. A payment made between XXXX of the month does not apply to the next month either. It is received but will not to any balance for interest consideration. They will charge interest on the previous months balance if that balance was not paid off between the XXXX to the XXXX. They 're terms and conditions do not explain this. I find it predatory and deceptive. I will attach their policy.
Consumer complaint received 2020-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (DE)

I have a XXXX credit card on my account. Ive been disputing for the past 3 years but they keep denying me. I placed a fraud alert on my account since XX/XX/2017. XXXX has this on my credit since XX/XX/2017.
Consumer complaint received 2017-01-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Credence Resource Management, LLC (TX)

I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking. Also attempted to credence resource management I sent it to the bureaus and they ignored it. Please help if you can thank you.
Consumer complaint received 2015-11-18
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: EQUIFAX, INC. (MA)

I place a security freeze on Equifax and now i need remove and i can't.For 3 days i call them and they transfer for electronic request.iI spend about XXXX min on the phone for XXXX times and they do n't remove.
Consumer complaint received 2022-08-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. (GA)

The Company is Coinbase. I made a deposit of {$7000.00} on XX/XX/2022. 
They require 5-6 days to have access to the funds. The waiting period has been fulfilled. They are now restricting my account because they said an additional {$7000.00} Deposit was attempted but funds were not available. I requested they disregard that deposit as clearly it was unintentional and a double entry error. They would not clear the error and said the amount needed to be satisfied to clear the restriction. I deposited a second {$7000.00} to clear it up and they are now still restricting access to the funds. They will not let me speak with someone on the phone and will only communicate by chat on their website. They will not provide an email to someone, as I would like proper documentation of our correspondence. The only name I have is the chat person who goes by " XXXX ''. I'm not joking.
Consumer complaint received 2022-12-15
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: CarMax, Inc. (SC)

In accordance with the Fair Credit Reporting Act Carmax Auto Finance 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- States a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1666B- A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637B of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Consumer complaint received 2016-05-06
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: AES/PHEAA (TN)

I am on an income based repayment plan and I am supposed to recertify my income yearly. So I go to submit my recertification and the XXXX website is down for maintenance for several weeks. Since I did not get to turn in this recertification they quadrupled my payment which I can not afford. I tried explaining this to them to no avail. I even have a screen shot of the website showing the downtime message so they can see that I 'm not just making stuff up. I can afford my regular payment and even budgeted for an increase but XXXX my regular payment is just absurd. Also I have tried to change my due date several times, which they say on their website is an option, but my request is routinely ignored or just immediately denied without good reason.
Consumer complaint received 2017-01-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: LEXISNEXIS (TN)

LexisNexis is reporting a tax lien on my credit filed that is not mine, I have to tried to contact this company several times and ca n't never get anyone on the phone the hold time on the phone is always long and never an answer.
Consumer complaint received 2022-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (FL)

While checking my credit report, I notice an account from DISCOVER FINANCIAL SERVICE, that I believe is not being reported correctly on my credit report. On XX/XX/2022, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account, ( see Attached ). After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/2022, ( see attached ), again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters to the credit bureaus, along with my incident report, ( which are attached ), asking them to verify or remove the negative report on my credit report that DISCOVER FINANCIAL SERVICE is reporting. So far, I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.
Consumer complaint received 2020-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CORELOGIC INC (CO)

My Name is XXXX XXXX, DOB XXXX XX/XX/XXXX ) In XXXX of XXXX I made a call to XXXX XXXX  to make a payment on a collection account, I also asked XXXX XXXX  for a pay off letter because i need this removed from my Credit report However they failed to do so.. And I am still struggling to get this account removed from my report which is affecting my score. I called a second time in XX/XX/XXXX for the pay off letter and I still have not received it.
Consumer complaint received 2015-03-25
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: EQUIFAX, INC. (OR)

On XXXX/XXXX/15 I received an e-mail from XXXX regarding a change in my credit history. When I typed in my user name and password it was rejected twice. I was then directed to a form which asked for my social security number and birthdate. I typed in the first XXXX numbers of my social and then stopped, fearing this was a phishing fraud. I have contacted Equifax regarding next steps I should take to protect my information but have received no response.
Consumer complaint received 2016-12-02
Product: Debt collection — Auto
Issue: False statements or representation — Impersonated an attorney or official
Company: BHFC Financial Services INC (AZ)

My lender both had an agent impersonate a law enforcement official, and indicate i was going to be charged with a crime. A BHFC Financial representitive posed as a XXXX PD detective who then called me, my parents, and friends, explaining how I was wanted for a crime, and that I would be arrested for not paying my car payment. When asked for information on the crime, a badge number, or any official information, the agent folded and hung up on my family. I have messages recorded verifying the false representation of law enforcement, and also about saying I was going to be arrested.
Consumer complaint received 2017-04-18
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF THE WEST (CO)

Bank of the West,  Co-Trustee of a family Trust for 7+ years, is currently refusing to provide a complete d  XXXX  for the partial year (  XXXX  ) of   XXXX  . They continued as  XXXX  during this period, administering the investments of the  Trust,  and taking their fees, as usual. T he Trust Officer 's ( or former Trust Officer 's )   answer to the Co-Trustee 's inquiry regarding this essential tax document (  XXXX  ) was : " You are no longer our customer. We do n't have to provide the  XXXX  for you. '' If this is not outright illegal, then at the very least, I would think it is unethical. Although they have sent a huge report listing all transactions in and out  of the Trust  from   XXXX   XXXX     through   XXXX   XXXX   XXXX    , expecting the beneficiaries to condense this information into a  XXXX  seems a bit like a vindictive act. The Bank 's ability to render this information into a proper  XXXX  would likely be done via computer, and might take all of  XXXX  minutes.   The former  XXXX   XXXX ,  XXXX   XXXX , has made multiple statements to beneficiaries in the past which are either untrue, or are outright hostile.  One specific one which stands out in my mind is an assertion that the money in the Trust is " our money ( meaning the bank 's ), so we will do as we please. '' T his is not only patently false, it is offensive. This particular statement is what led to the family suing to take sole control of the  Tr  ust from  this Bank. This request was granted via an   XXXX   XXXX   in   XXXX  , which is why Bank of the West is no longer  Co-Trustee.
Consumer complaint received 2017-05-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: ACS Education Services (KS)

Tried paying loan installment  XXXX , tried paying full loan amount on  XXXX  and  XXXX  using online payment. Used correct information for banking. All three transactions had correct information to process transaction. All three times transaction disappeared from their website without processing. Tried calling during business hours, no one ever answered. No communication given as to why transaction did not process.