davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-16
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I am capital one Credit card customer since quite some time. Suddenly last week I got the email that my credit limit is increased for my credit card which I NEVER requested. 

When I contacted customer service, first she said that capital one didnt do it from there side but I requested the increase. After I repeatedly denied about it she put me on hold and ultimately accepted that Capital one increased the limit on it's own.

The problem is : 1 I never requested it and I never wanted credit limit increase.

2 Now they have already increase limit ( without my consent ), if I request decrease, it will impact my credit score which is unacceptable to me 3 Capital one used my data and took action without my consent on my credit which is unacceptable and totally unlawful 4 When I asked customer service whether Capital one gives any control to customer to opt out of this auto increase, she said NO. So capital one doesnt give control of the data to customer plus on the top it they are using customer data without consent and even take action on it 5 If my credit card is lost or stolen ( or anything else ) I am carrying the additional risk 6 When I requested the customer service to decrease my credit limit as capital one increased without my consent, she did NOT submit the request and was enforcing me to talk to XXXX whereas I was already on call for approx XXXX minutes. 
XXXX I said that I dont have time to discuss with XXXX and asked her to submit the request, she did NOT do it. My credit limit is still higher. So Capital one didnt work on request at all & just ignored the wrong doing
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SLM CORPORATION (PA)

On XX/XX/2024, I called SallieMae to set up recurring payments for my student loans for {$840.00}. The representative set up withdrawal from the wrong account, causing an overdraft to occur on XX/XX/2024. On XX/XX/2024, I called to speak to supervisor XXXX to have this issue resolved. XXXX verified, after receiving the call, that the representative selected the incorrect account for the payment to be withdrawn from. I was supposed to have it drawn from checking, and it was instead withdrew from savings. As a result, the payment did not complete. Sallie Mae still sent a letter to the credit bureau that I was delinquent in paying my loans for 3 months due to this issue. On XX/XX/2024, when I was able to make the payment. Sallie Mae XXXX XXXX was supposed to send a letter to the XXXX XXXX XXXX stating that I was NOT delinquent, and that it was a mistake. It is now XX/XX/2024 and the mistake has not been resolved. My credit score has dropped almost XXXX points due to this issue.
Consumer complaint received 2022-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

XXXX Account XXXX XXXX Account XXXX XXXX  Account XXXX XXXX XXXX  XXXX Account XXXX Account XXXX Account XXXX n accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-05-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

My bank JP Morgan Chase refused to help me to get back the money Ive been scammed. Ive been scammed {$3200.00} if not more and when I spoke with them, my bank have said there is nothing they can do. I did not know they people getting the money were scammers, they have bought my trust completely and slowed me to believe they were legit and I believed. All I want is the money back, this wasnt even my money. This was my sisters money which I was holding onto in my bank account since I dont use this account.
Consumer complaint received 2016-10-19
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (VA)

Wells Fargo signed me up for their " Go Farther '' rewards program without my request. They began sending me monthly emails showing my zero balance. And there is no way to opt out of the emails other than canceling the program. 
It took 24 minutes on the phone to cancel the program.
Consumer complaint received 2015-12-27
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A. (CA)

Regarding Citi HHonors Reserve credit card account : Received letter dated XXXX XXXX 2015 from Citi, stating that Citi had failed to notify cardholders one month in advance of billing for annual membership fee ( as presumably Citi is required to do ). Letter said that refund for fee could be obtained by calling number given in letter, *but that calling to obtain refund would result in Citi closing the account. * Called number, rep did n't know anything about it, said supervisor would call back, never happened. 
Evidently Citi erred by failing to send the required one month 's notice of annual fee ; is required to offer a refund because of that failure ; but is penalizing those who seek a refund by closing their accounts. **The consequence of closing the account amounts to a threat intended to dissuade cardholders who are legally entitled to a refund from seeking that refund. **
Consumer complaint received 2024-04-18
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital One fraudulently billed me and I disputed the amounts. I refused to pay the fraudulent charges occurring from fees due to their failure to close the account. I had a business Spark credit card and a few months after the business was closed, I asked them to close the account. They did not close the account, then allowed a recurring annual bill to go through that I was unaware of. I saw emails about a bill due even though the account should have been closed and contacted them. I paid the bill even though I did not authorize it and did not need the service then asked them to remove the late payment penalty fees because of their failure to close the account. They stated they could request it but not guarantee it but they will close the account. Shortly after that statement the call dropped. Then XXXX  months later, another recurring charge went through. They never closed the account and continues to add more fees. I again called they said they could not close the account because they needed on the phone and they see in their notes that because I hung up they could not close it. They were the ones who dropped the call on me. I refused to pay the {$30.00} penalty fraudulently charges after already having paid over {$200.00} in fees from their failure to properly close the account XXXX  months prior and they kept charging more penalties and fees reported to credit agencies the amount as unpaid. They were negligent in not closing the account and fraudulently billed me.
Consumer complaint received 2018-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (NY)

On XX/XX/XXXX, I made a purchase at XXXX XXXX ( XXXX XXXX   XXXX, XXXX, NY, XXXX ). Just before I made the purchase the Cashier ( XXXX, XXXX, XXXX : XXXX ) asked me did I want an XXXX XXXX XXXXXXXX. I asked was this a discount card and she said it was. She began preparing the application. I answered various questions on the computer screen. When she asked for my Social Security # ( SSI # ) I became suspicious because whenever I acquired discount cards in the past I never gave my SSI #. I asked the cashier why she wanted my SS # for a discount card and this is when I discovered that she applied me for a credit card. I told her I did not want a credit card and asked her why did she tell me it was a discount card. I demanded that she cancel this application, because she misrepresented what she was applying me for. A phone call was made, I spoke to a representative at the XXXX XXXX Credit Card Department and they assured me that the application was cancelled. I also asked would they report this to the credit bureaus and she assured me that they would not because the application was not completed. A few days later, on XX/XX/XXXX, I received a credit report alert from XXXX and XXXX, indicating that XXXX XXXX had placed damaging remarks on my credit report. XXXX XXXX had reported to these Unions that I had opened and closed a credit card account, which brought my credit score down 32 points. I made  several calls to XXXX XXXX and the credit bureaus without any success.
Consumer complaint received 2017-06-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP (NC)

I recently filed a complaint regarding this company and the way they handled the decrease of my credit line. I contacted them regarding mishandled payments on my account by the bill pay company and they did not inform me that they were going to lower my credit limit even though they refunded the late fee. I could have provided information from the bill pay company to support my claim that this was their error and not mine. I had 9 months of no missed or late payments. I contacted the credit card companiy 's service department where I was told the account was open and not closed. When I filed my complaint, they closed the account.
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

Dear Credit Bureau I am writing to bring to your attention an erroneous late payment entry on my credit report, which I believe to be a violation of my rights as a consumer. As per the Fair Credit Reporting Act ( FCRA ), it is crucial that accurate and fair information is reported by credit bureaus. 

I have recently reviewed my credit report and discovered a late payment record from XXXX XXXX XXXX dated XX/XX/2024 and XX/XX/2024. However, I firmly believe that this late payment entry is incorrect and should not be associated with my credit history. I have diligently maintained timely payments with XXXX/ XXXX XXXX and have no record of any late payments. 

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

XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 1681C. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

I kindly request that you conduct a thorough investigation into this matter and rectify the erroneous late payment entry on my credit report as soon as possible. Under the FCRA, I am aware that each violation may result in a penalty of {$1000.00}, and I expect appropriate action to be taken to address this violation.

Enclosed with this letter, please find copies of relevant documents including payment receipts and statements that support my claim of timely payments. I urge you to consider this evidence during your investigation.

I expect timely resolution of this dispute and a written response within 30 days as mandated under the FCRA. Additionally, I request that you provide me with an updated copy of my credit report reflecting the removal of the inaccurate late payment entry.

Thank you for your attention to this matter. I trust that you will handle this dispute promptly and in accordance with the law.
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Dear Credit Bureau I am writing to bring to your attention an erroneous late payment entry on my credit report, which I believe to be a violation of my rights as a consumer. As per the Fair Credit Reporting Act ( FCRA ), it is crucial that accurate and fair information is reported by credit bureaus. 

I have recently reviewed my credit report and discovered a late payment record from XXXX XXXX XXXX dated XX/XX/year>XXXX  and XX/XX/scrub>XXXX XXXX However, I firmly believe that this late payment entry is incorrect and should not be associated with my credit history. I have diligently maintained timely payments with XXXX XXXX XXXXXXXX and have no record of any late payments. 

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

XXXX XXXX  Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 1681C. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

I kindly request that you conduct a thorough investigation into this matter and rectify the erroneous late payment entry on my credit report as soon as possible. Under the FCRA, I am aware that each violation may result in a penalty of {$1000.00}, and I expect appropriate action to be taken to address this violation. 

Enclosed with this letter, please find copies of relevant documents including payment receipts and statements that support my claim of timely payments. I urge you to consider this evidence during your investigation. 

I expect timely resolution of this dispute and a written response within 30 days as mandated under the FCRA. Additionally, I request that you provide me with an updated copy of my credit report reflecting the removal of the inaccurate late payment entry. 

Thank you for your attention to this matter. I trust that you will handle this dispute promptly and in accordance with the law.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I received a copy of my credit report and i have found the following items listed below to be in error. These accounts are listed with late or missed payment and that is incorrect. the following accounts were NEVER late and should be listed as PAYS or PAID AS AGREED. 

I was Never Late on ( XX/XX/2024 -XXXX XXXX  ) on this Account Please Update the account as PAID/CURRENT. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any Information that the creditor can not verify. I understand that under 15 U.S.C Sec.161i ( a ), you must complete this reinvestigation with 30 days of receipt of this letter. 

Please send an updated copy of my credit report reflecting the requested changes. 

Thank you for your help in this matter,
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Dear Credit Bureau, I received a copy of my credit report and i have found the following items listed below to be in error. An account is listed with late or missed payment and that is incorrect. the following accounts were NEVER late and should be listed as PAYS or PAID AS AGREED. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any Information that the creditor can not verify. I understand that under 15 U.S.C Sec.161i ( a ), you must complete this reinvestigation with XXXX  days of receipt of this letter. 

Please send an updated copy of my credit report reflecting the requested changes. 

Thank you for your help in this matter.
Consumer complaint received 2016-11-04
Product: Credit card — 
Issue: Cash advance fee — 
Company: FIRST NATIONAL BANK OF OMAHA (CA)

I have been a member of XXXX bank for many years but this year 2016 I had obtained a cash advance in the amount of {$10000.00} from the union bank on XX/XX/<YYYY> XX/XX/2016 with 5.99 % interest rate as a promotion. At that time XXXX bank was using The first bank Card services and I had always made the monthly payment on time and never late. Starting XX/XX/XXXX, I received a phone call that the payment was never received and charged late fee which was post it in XX/XX/2016, after I had made the payment and received a confirmation number?? 
My account was transferred back to XXXX bank with a new visa card and I was being charged 14.99 % interest rate since XX/XX/XXXX. When I called to inquire about the increase interest rate, I was told because my account now was with XXXX Bank?? it seemed rather strange that my account had always been with the XXXX bank. The monthly statement reflected 5.99 % rate and still my payment showed I am responsible for 14.99 % according to the XXXX Bank representatives? many phone calls and hours and hours of being placed on hold have not resolved the issue and the discrepancy?
Consumer complaint received 2024-01-15
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: Credence Resource Management, LLC (OH)

I have written previously about another debt collector ( XXXX XXXX XXXX ). They removed the collection from my credit report and then sold it to another collector that tried to collect via text message. I never responded texts on XXXX or XXXX. They either operate under multiple names, or sold the debt to Credence Resource Management. During this same time frame, I noticed a pair of Michigan phone numbers that kept calling me incessantly. They never left any messages so on XXXX, I finally answered the phone because I was tired of seeing these Michigan numbers come up on my phone. When I answered the phone, the guy on the other end immediately asked me if I lived at a prior address. I then asked who was calling because he failed to identify himself before jumping down my throat. Then he proceeds to badger me about the debt that I owed and asked me why I thought my debt was being sold from one collection agency to the next. This turned into an all out argument and I told them to mail me a bill to my current address because obviously, they had the wrong address. Also, since I only spoke to them one time via phone, after their incessant phone calls, I did not even have 30 days to dispute the validity of the debt. They were so upset with me that they put this debt on my XXXX credit report on XXXX. I disputed this with XXXX on XXXX at XXXX. Credence sent me a bill via email on XXXX at XXXX. The original dispute with XXXX was closed on XXXX without them removing this from my credit report so I re-opened the dispute and sent them signed leases during the time of this bill which I do not owe. I am still awaiting the results from this dispute. In the meantime, on XXXX, Credence reported this debt to XXXX XXXX so now I am disputing this with XXXX XXXX as well. The actions of this collection agency are not only retaliatory in nature, but extremely unprofessional especially considering they still have not sent me a bill to my current address. I have not clicked on the attached " XXXX '' they sent via email after my first dispute because they have been dishonest from the very beginning by calling from numbers that can not be traced back to Credence, and lying about the rules for XXXX XXXX XXXX. If XXXX XXXX XXXX disclosed all communication I had with them from that time, everyone would know that this is not my debt.
Consumer complaint received 2024-05-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: DISCOVER BANK (MD)

I purchased several items from XXXX XXXX on XX/XX/2023. The company sent me the incorrect bottle of perfume and I sent it back to them and they have not returned my money. I went to Discover Bank to file a complaint and it was denied. I have not received my bottle of perfume nor my money back.
Consumer complaint received 2016-12-20
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

I called and expressed to the agent that i was calling to make a payment. XXXX was her name she said she can accept my payment but she sees that i am delinquent on account which was agreed i asked her after paying the full balance which i believe is a little over XXXX where would i stand on the account. The agent was being very deceiving then explained she can settle the account for a lesser amount but it will close the account which was never my intent. She became even more deceiving and said she gave me authorization to record call and saids he will get her manager which a woman begin to get on the phone and said she is a account manager which she had no more knowledge then prev person i asked where the account go she said to a different stage not sure what that meant then a guy name XXXX who rep his self as a manager said it is against policy to give his full name not sure if that is accurate then said he is the only manager in the office then said he is the highest manager there in his office which was located in Virginia and from my understanding that is a level of MISREPRESENTATION which is against CFPB. He was very rude and and combative, he aslo hung up in my face and said it was policy that he did so if he cant control call and still did not accept payment from me after being on the phone for hours