davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-22
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

On XX/XX/year>, I applied for the Capital One Savor XXXX Card for excellent credit, which comes with a {$200.00} sign on bonus. I applied via pre-approval, and was approved. Once the card was sent to me, I noticed that there was no information about the sign-up bonus on the app, so on XX/XX/XXXX, I called Capital One customer service to make sure I was eligible. They assured me that the {$200.00} would be coming to me in a few billing statements. 

By XX/XX/XXXX, I still had seen no sign of the sign up bonus, so I called Capital One again. This time, the customer service representative said that there was no bonus coming to me, and couldn't give me a reason why. I asked to speak to a supervisor, who repeated the same thing, that I would not be receiving a bonus, and they couldn't tell me a reason why. They would say my account wasn't eligible for the bonus, I asked why, and they would say it wasn't in the terms of my account, I would ask why, and they would have no explanation. They offered to call me back within XXXX business days. 

On XX/XX/XXXX, they finally called me back and told me that even though I applied for the Savor XXXX for Excellent Credit, they only gave me the Savor XXXX for Good Credit. Nowhere in any of my documentation is this stated, and nowhere on my Capital One account does it say " Savor XXXX for Good Credit, '' it only says " Savor XXXX, '' the default name of the card for excellent credit. I tried to explain this to the person who called me back, and they dropped the call. I have not received a call back.
Consumer complaint received 2023-03-02
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: Experian Information Solutions Inc. (DE)

On XX/XX/2023 I have communicated to XXXX, XXXX, Experian about incorrect information being reported on my credit report. I have contacted the companies in question and they keep reporting inaccurate information. No one is listening to me or cares at all. This is affecting my credit very badly. I've had good credit up until now. I need your help.
Consumer complaint received 2023-05-03
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. (TX)

I kindly request that you remove the inaccurate account from my credit report. As shown in the attached documents, this account is not mine, and I did not authorize anyone to use it. Please take action to remove this account as soon as possible.
Consumer complaint received 2023-09-10
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Incomm Holdings Inc. (IN)

Vanilla Gift Card 16 digit gift card number is scratched out so I could not see the entire number. 

I purchased a Vanilla Gift Card for {$60.00} on XX/XX/2023 at a XXXX XXXX 
When I opened the gift card part of the card number was scratched off. 

I called Vanilla at XXXX. The customer service representative said I would have to provide them with a copy of my driver 's license and also them my birth date before they would log my request into their system. 

I was not comfortable providing them with my personal information and asked if I could just give them a copy of the gift card. They said they could not log my request without me providing them with the requested personal information.
Consumer complaint received 2022-06-15
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

My private student loan through Citizen 's bank has been deferred since I have been in school full-time prior to all of this ( XXXX ), but I wanted to make a payment to keep down the interest. In XX/XX/XXXX, I used my stimulus check to pay on my student loan ( {$1400.00} ) with XXXX 's, while still in deferment. Then on XXXX of XXXX, I was notified by XXXX XXXX that both my student loans had been sent to collections as a charge off for bad debt because I did not pay for 6 months. They were still in deferment at this point and I didn't think that was possible, so I called Citizen 's and they informed me that regardless of the status I needed to pay $ XXXX now or they couldn't help me. When I asked, " This would have never happened had I not made that payment in XXXX. '' He replied, " I can not answer that. '' I reached out to a non-profit who helps individuals deal with loan companies, but they were only able to advise me to contact the collections through mail only & keep records of all external contact with them in case they try to break the law. 
On my 3 credit reports, each total for these loan balances are different and some even note a {$0.00} balance. I have 4 accounts total on my credit report for XXXX student loans. 
Having 2 accounts open on each loan has created an even greater derogatory mark on my XXXX XXXX ( 1 showing a balance & XXXX {$0.00} ), which has left me questioning what is really my total balance given the different info at every turn. The collections has also given my XXXX XXXX a hit and I am now dealing with both XXXX 's & a collection 's agency for the same problem all while not making an income. 
This morning ( XX/XX/XXXX ), I received an email from XXXX stating that SOMEHOW my loan is back with Citizen 's & now I need to start paying them $ XXXX starting XX/XX/XXXX, when I'm still a full-time student & should have never been taken out of deferment to begin with & no reparations for the irreparable damages done to my XXXX XXXX or the collections agency who is still trying to collect on the $ XXXX themselves.
Consumer complaint received 2023-04-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pinnacle Credit Services, LLC (MD)

XXXXXXXX XXXX XXXX and pinnacle Crdits service has been reporting inaccurate information on my credit report. My identity was stolen and as a result, false inquiries, was made on my behalf. This account, is a brought debt, so the company doesnt own the debt.15 USC 1981 XXXX Numerous disputes were filed, with no results XXXX has also confirmed that debt that was in fact under a different social but and this bill that they are reporting is not mines please delete all inaccurate information of my account
Consumer complaint received 2022-09-17
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Jon Barry and Associates, Inc. (SC)

By phone Paragon Revenue Group did not address the FDCPA violations, the threats made to me, the unanswered messages I left for a supervisor to call me or the validity of the company. 

The most important issue was the FDCPA violations. 

I spoke to XXXX she called my home implying that something was wrong with my child. It wasn't until later into the call and me concern for my child was clear that she mentioned it was about a debt. This is impersonation, giving the impression it was something other than a business matter. 

She threatening me with my credit after proof of debt was requested, she nor her co-worker, XXXX, fully mirandized the call. 

They hung up on me after I requested a manager more than once. 

I never received a call back from a manager and I attempted and left messages for one 3 different dates. 

This is abusive behavior from their staff towards a customer. This is unethical, unprofessional and against the fair debt collections practices act. Paragon Revenue Group took no responsibility for their actions. I feel an attorney or authority above myself should hold Paragon Revenue Group accountable.
Consumer complaint received 2024-10-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC (GA)

In XX/XX/year>, a collection account from Wakefield & Associates appeared on my credit report with an outstanding balance of {$1200.00}. The original creditor is listed as XXXX XXXX XXXX. I do not recognize this debt, nor have I ever had an account or any dealings with XXXX XXXX XXXX. The account is marked as past due as of XX/XX/year>, and no payments have been made because this debt is not mine. 

I have not authorized this debt, and I believe it may have been added to my credit report in error or as a result of identity theft. In XX/XX/year>, I contacted Wakefield & Associates and disputed the account with credit bureaus. 

I request that this collection be removed from my credit report and all collection activities stop immediately. I am willing to provide any additional information needed to resolve this matter.
Consumer complaint received 2022-07-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I have been a customer for almost 10 years with Bank of America and am truly dissatisfied with the service as of late. I deposited a check on XX/XX/XXXX and was told that it would clear by the next business day just to receive a notification an hour after the deposit was made, stating it would be held for 9 days ( XX/XX/XXXX ). This was a check from the same company that has been depositing in my account for over 4 years. When I asked for partial funds to be released, I was also told it couldnt. Now my account is in the negative and I have serval fees adding up for bills returning unpaid, being late, etc. Verification with other financial institutions that are large and not small business, should NEVER take this long in holding someones hard earned money, especially during this time of extreme inflation. Had I known it would be held that long, I wouldve cashed the check with a third party or deposited into a different bank that releases partial funds. This has brought extreme hardship to my life and I will certainly not be recommending anyone else to this bank. The process in place for check holds needs to seriously be re-evaluated.
Consumer complaint received 2023-04-05
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Professional Finance Company, Inc. (OK)

On XX/XX/XXXX a claim to collect a debt was filed in XXXX XXXX for {$970.00} from Professional Finance that has been disputed with XXXX XXXX  whom I have hired to help clean up my credit and dispute claims like such. The above company failed to Notify me that this claim is out for collection although it's been disputed as well as work out any possible payment options. On XX/XX/XXXX, the original dispute was ongoing because the collectors are refusing to provide service of good pricing.
Consumer complaint received 2022-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 USC 1681. Transunion assumed this role without my permission not only that Transunion did not have my consent. Transunion did not respect my right to privacy & I have sent in many letters telling transunion about the unauthorized accounts and incorrect personal information I am demanding right now is that transunion remove old names and address that is not my address and phone number dispute completely Reporting missing payments on accounts that I didnt authorize or gave my consent too
Consumer complaint received 2023-05-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: KEYCORP (CO)

I applied for a checking account at XXXX ( part of Key Bank ) in late XX/XX/2022 and received a secured email asking me to upload my license, XXXX and by the time I responded the secure email expired in 6 days. and I was unable to proceed. Then I applied in XXXX and after uploading my documents I received a message asking me to proceed and create a user login but after verifying my ID I was not able to create a new login and after several calls ( not helpful and going back/forth ) I was told the the Key bank login credentials that I had from a couple of years ago were causing some conflict and they escalated the issue and after a few more emails I was told the have the issue has been resolved but that I have to apply all over again ( see the email conversation with XXXX XXXX in the attachment - start from the bottom of the email ). All of this took almost a month. So, I applied again in XXXX and again I received an email asking me to upload docs and I did that and received an email the next day saying my license image was not clear and that I should upload a better image and then just a few minutes later another email declining the application- I saw both emails later that night and before I had a chance to upload a clear image of my license. However, the email does not provide any reason for the decline or what the issue is- just a message that says " During the account opening process, our review determined that we are not able to open a savings account for you at this time '', which does not help me to address any issues on my end that may have caused the application decline.
Consumer complaint received 2023-04-05
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: TRUIST FINANCIAL CORPORATION (FL)

Truist said they credit an {$85.00} XXXX XXXX credit on their website but however it's been about 3 months and the credits hasn't been issued on my enjoy travel credit card.
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY (GA)

Fraud Transactions against my Wells Fargo Credit Card beginning on XX/XX/2024 My Wells Fargo credit card was stolen from my work bag while traveling. This is my spare credit card and do not use this card. Subsequently, I did not realize the card had been stolen until weeks later. The thief used the card many times at many locations. Once discovered, I immediately reported the fraudulent transactions to Wells Fargo for investigation. 

Wells Fargo has denied my claim stating that because the card was in my possession- I am not entitled to a refund of fraudulent transactions.
Consumer complaint received 2023-12-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (WI)

On XX/XX/23 I sent a payment via CASH App to a party for work completed in the amount of {$25.00}. On XX/XX/23 an unauthorized payment was made of {$50.00} to the same party and I immediately notified cash app of the fraudulent charges. I have since sent XXXX complaints regarding the fraudulent charges and marked the user as a scammer and nothing has been done. I called customer service on XX/XX/23, where I was prompted to ask the scammer for a refund, which I had already done. The scammer party declined my request for refund. After explaining this to customer service, she literally said, " I told you how to fix this '' and then hung up on me. I filed yet another complaint on the fraudulent charge of {$50.00} and every time I attempt to resolve the issue, customer service does absolutely nothing and the scammer continues to scam people. Cash App is by far the worst system I have ever dealt with in sending and receiving money and they need to be eliminated as an option since they clearly can't keep users safe and do nothing to resolve issues.
Consumer complaint received 2023-04-05
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. (VA)

In accordance with the Fair Credit Reporting XXXX XXXX XXXX Act # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXXXXXX XXXX Act # XXXX, XXXX REF : XXXX : XXXX have 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 18 U.S. Code 1028A - Aggravated identity theft ( 1 ) In general. Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. " ( 3 ) the term `means of identification ' means any name or number that may be used, alone or in conjunction with any other information, to identify a specific individual.

FCRA 623 ( a ) ( 7 ) Negative Information
Consumer complaint received 2022-11-18
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. (CA)

15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 percent right and correct. 


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 2023-04-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diverse Funding Associates LLC (WI)

DNF Associates XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX Has reported to XXXX ( and possibly others ) that they are attempting to collect a debt in the amount of XXXX that originated with XXXX XXXX XXXX at some point around XXXX Previous debt collectors have not been able to provide me with the details of the debt ( dates, communication, etc. ). 

DNF has not contacted me via phone or mail to offer any of the above information, their contact information, or any other information that has offered an opportunity to ( once again ) explain this debt. This debt ( not mine ) was the result of credit fraud that occurred sometime between XXXX. I personally reported to the XXXX XXXX that someone had fraudulently opened an account in my name. I went round and round with this merchant about the credit fraud. They convinced me to try and make payments. I consulted an attorney and was told to report it to law enforcement, the merchant, and to the credit agencies that the account was fraudulently created. This was done. Eventually the merchant told me they had resolved it, eliminating my responsibility. However, the debt has been sold and resold to various debt collection agencies and I have had to repeatedly dispute this debt, despite its origin at least 8 years previous. 

Why this debt continues to be sold, after it has been, at least, four times reported to be credit identity fraud ( reported to authorities ), I have no idea. DNF, as a company, has been extremely sketchy and has violated my FCR rights in that it failed to identify themselves as debt collectors, provide me with 30 days written notice with my options of disputing this debt ( again ), provided no reliable means of contacting them ( multiple attempts unanswered in which I had to track them down ), reported to a credit reporting agency ( XXXX ) that such a debt exists, purports that the debt is valid, and has not responded to written communication. Yet persists in harming my credit status by carelessly reporting this fictional activity, while I have been steadfast in maintaining and growing my credit history. 

While trying to call DNF at their given number ( identifies as " XXXX XXXX '' }, they offer only XXXX options : find account number, check account balance, and Make a Payment. To find an account number, they ask for one 's social security number. When I entered mine, they have no record of an account. The recording informs me to " call back. '' Nobody answers the phone, ever. SKETCHY! 

They have to this point provided me with absolutely no information about themselves, or any activity they have engaged in. Your complaint for the companies identifying information about myself. There is none. Yet they appear on my credit statement.
Consumer complaint received 2022-12-09
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: I.C. System, Inc. (SC)

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX, has violated my rights XXXX XXXX XXXX XXXX, has violated my rights. 

XXXX XXXX XXXX, has violated my rights. 

XXXX. XXXX, XXXX XXXX, has violated my rights. 

XXXX XXXXXXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2023-05-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc. (WY)

Square is withhold g money that was paid to me for legal services. Square has requested invoices for confirmation, which had been provided on multiple occasions. Upon rejection, no reason was given as to what was missing or what additional information was needed in order to access my funds. Finding customer service was extremely difficult, and once contacted they indicated a number of things that invoices require and some that were optional, yet made no reference to what specifically was incorrect or insufficient, particularly as all mandatory portions of the requested invoices were delivered to them. There is also no prior notice of these verification procedures to be found anywhere upon enrollment in the service. Up to that point it is really just poor customer service. 

HOWEVER, Square also offers checking/savings accounts. It is my belief that square is making this matter unreasonably difficult as a cross-selling strategy for their banking products, all while profiting on what amounts to an interest free loan of the money they are withholding. They are manufacturing problems for their customers, then offering these banking products as the solution in a predatory manner, particularly as their advertising and products are targeted at small business owners, such as myself.