davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-12
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

I downloaded the capital one shopping application, signed up for the rewards program, used the program/app to search for 2 items, and used the app through which I purchased the 2 items. The app promised 35 % back in rewards, see attachment of one of the items. I made the purchase through the app in the amount of {$750.00}, see attachment and would like the {$260.00} in rewards I was promised via the app. 

My issue is that I could have purchased the 2 items directly from the manufacturer who was having a 25 % off sale but, I chose to purchase the items at full price through Capital One Shopping due to the 35 % rewards offer. 

Now, Capital One is refusing to honor its offer and not crediting my account the 35 % which they advertised. I have been trying to resolve this issue since XX/XX/2022. I have been communicating with XXXX and XXXX of Capital One shopping for almost 3 weeks and they can not find any record of the transaction. Whether this is an internal glitch with the Cap One shopping app or malicious dishonesty and fraud is not my concern. My main issue is that these 2 items were purchased as gift, which have already been given. If I could, I would return the items and repurchase them at a lower price from the manufacturer but, that is no longer an option because the items have already been given as gifts. I am requesting that you hold Capital One accountable to their advertisement/offer and have them provide me with the 35 % in rewards, per the agreement- which comes out to be {$260.00}. 

I completed a transaction for {$750.00} with the Capital One Shopping application on my XXXX. Attached, please find a copy of the transaction confirmation in the Cap One Shopping app. Please note the 35 % tag in the top right part of the screen, the amount of the transaction, and the email I used as the username for the account. Capital One I didnt have any ad-blockers turned on and I have sent Cap One a screenshot of the transaction from their application showing that the transaction was completed and their 35 % rewards note at the top of the page. 

It's right there in black and white, evidence of the transaction in Capital One 's app and they still won't honor their rewards offer? Capital One spends millions of dollars advertising for new client acquisitions but, uses dishonest and deceptive practices for client retention. As I mentioned before, I'm just trying to get the rewards I was promised on their application which I used to purchase a {$750.00} gift at full price at XXXX XXXX ( through their application ) instead of purchasing the same items at a 25 % off sale on the manufacturer 's website. Their application has cost me money and I will continue with this matter until it is resolved. If you are unable to help me resolve this issue, please give me the contact information for someone who can.
Consumer complaint received 2021-06-10
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION (VA)

I closed a loan with Navy Federal XXXX XXXX and a week later Navy Federal Credit Union sent a repo team to collect a car I've never owned. They had my personal information that I believe the got from the title company. I had to sign a form that they would not share my info but it appears they did. 

The person they were looking for had a different social security number and birth date. That would have been easy to check before scaring my family and have us look bad in the community.
Consumer complaint received 2024-09-19
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

On XX/XX/year> we applied for a home equity line of credit with Citizens Bank. Application number XXXX. We were approved for the line. I had a credit freeze on my credit and needed to remove it to apply. I did that. My wife did not have a credit freeze. She did have a fraud alert from a year ago ( about to expire ). We did not recall this. They called my wife XXXX and asked her a bunch of questions she could not answer like " who is your mortgage with and what is the payment. '' Who is your car payment with and what is the payment? '' My wife could not answer these because she does not pay the bills. They declined our loan due to " fraud concerns. '' We offered to go in-person to a Citizens branch and provide ID. They stated it had to be a phone call which is ridiculous. My wife felt XXXX. There are XXXX hard inquiries on our credit. I spoke to a supervisor XXXX XXXX whose only solution was to call XXXX and remove the fraud alert, which my wife did. When I emailed him to let him know she had removed the fraud alert he told us we needed to reapply with XXXX more hard inquiries on our credit to get the line of credit. We refused. We are approaching XXXX XXXX XXXX and my wife struggles with financial matters. She does have good credit, good income and we have equity. In my view they discriminated against her and this practice must stop!
Consumer complaint received 2023-08-09
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Westlake Services, LLC (FL)

Westlake is attempting to collect debt from a car that was filed with bankruptcy from U.S. Auto Finance. I never signed a contract with westlake and now they have sent a tow truck to steal my car out of my property at XXXX XXXX  this morning. That is my only vehicle to take my XXXX XXXX XXXX XXXX to therapy and now I can't even take him to school. I tried to stop the guy I recorded him and I threatened to call the police he got scared he knew they are doing wrong and left fast. My lien holder is still showing U.S. AUTO on my title per DMV. I ALSO HAVE PROOF THEY ARE. U.S. Auto Finance and westlake are committing fraud. U.S Auto has breached my contract already by not upholding my warranty on my vehicle. This is very upsetting the emotional destress I have been through since XXXX XXXX this morning.
Consumer complaint received 2024-09-11
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

A XXXX XXXX credit card was opened in XX/XX/XXXX without my permission. The credit card address is XXXX XXXX XXXX XXXX, XXXX XXXX, SD XXXX. Their phone number is XXXX. I spoke with " XXXX '' on XX/XX/XXXX at XXXX and she said that she would close the account. The account is still open as far as I can tell. I also show another name and address. Capital One, XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX.
Consumer complaint received 2024-09-19
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

A fraudulent credit card was opened in my name with Capital One in XXXX, 2024. The first official notice I received that this card existed was XX/XX/XXXX. The letter from Capital One said that there was an outstanding balance of {$3000.00}, and had two missed payments. I immediately called Capital One to report fraud, and was told that they would begin an internal investigation and would follow up with me. I did not hear back from them and called back XX/XX/XXXX after filing a police report. I was told that the card was associated with a prior address of mine ( which I had not lived at in 8 months by the time the card was opened ), determined to be legitimate, and therefore the investigation was closed. I requested a second inquiry and provided them my police report information. I again received no update from them and called again. They told me, again, that the card was determined to be legitimate. The company would not give a report detailing the findings of the internal investigations, or how it reached this conclusion, or steps to appeal the verdict. 

Actions taken by me : -Fraud alert placed -Credit freeze was placed on my credit ( XX/XX/XXXX ). 
-Report filed with IdentityTheft.gov ( XX/XX/XXXX ) -A credit report was obtained from XXXX XXXXPolice report filed with XXXX Police ( XX/XX/XXXX )
Consumer complaint received 2023-02-24
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. (GA)

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX, IN XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$490.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$11000.00} ;
Consumer complaint received 2024-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ID)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-10-05
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (FL)

When Best Buy changed its reward program to only be given if someone had a Best Buy credit card, I responded to the offer of 15 % back on your first purchase when opening a Best Buy Card. I opened a card in approximately XXXX of XXXX and subsequently spent {$4300.00} on a single invoice. I should have had {$640.00} in rewards or credits. I have spoken with numerous people, spent over XXXX hours on the phone on multiple occasions first being told that the credit would come 60 days after purchase, then when it did not and I called they said it was 90 days, then called again and an investigation was opened. It is 6 months now and I still do not have a credit, I have a reference number from where this should have been credited on XX/XX/XXXX of XXXX. This is FRAUD to offer a promotion solely for the purpose of having people open up credit cards then not deliver the promotion.
Consumer complaint received 2022-06-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  Account number XXXX XXXX XXXX Account status Closed Date opened XX/XX/XXXX has violated rights of privacy. 15 U.S.C 1681 SECTION 602 A. STATES i have the right to privacy 15 U.S.C 1981 SECTION 604. A SECTION 2 states that the consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-10-12
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (WV)

My account is almost negative XXXX dollars because of repeating pos signature decline fees. My card isn't linked to any subscriptions or reoccurring payments but Ive continued getting signature decline fees, multiple times a day during the XXXX weeks between my payroll deposits. So before every payday my account is already in the negative and it's taking chunks out of my paycheck for something that I didn't do. I've called and complained multiple times but nothing has been done. The people from customer support are very rude and won't answer any of my questions or even try to help. I could understand if I was actually using my card to make purchases or attempt purchases while it was in the negative, but Im not. Ive asked them to unlink it from any reoccurring payments and subscriptions and they said they did but they obviously didn't because of the constant fees I'm being charged. I don't make alot of money and I'm trying to get money saved up for a place for me and my girlfriend. We have a XXXX XXXX year old with another baby on the way. Money is already tight and these constant fees are really making it so much harder. Can you please help me get my money back, please.
Consumer complaint received 2023-10-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc (AZ)

XX/XX/XXXX Notification received from Debt collection agency named Bull city Financial Solutions , Inc Ref No : XXXX Payment asked from me XXXX for XXXX XXXX XXXX, Account No : XXXX Creditor/Utility company : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I provided my final XXXX statement as a proof that this property was sold on XXXX XXXX and there were NO pending payments for XXXX XXXX as that time as I had cleared all my past dues. 

I tried calling XXXX XXXX multiple times but they have no records of my account any more. I then asked Bull city to forward me a copy of the delinquent utility bill with details of usage and dates for the account number in question. However, till now they have only managed to send me a letter stating the same on XXXXXXXX XXXX letter pad. There is no evidence of me being delinquent that I have seen or convince myself with
Consumer complaint received 2024-09-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (ID)

Someone was trying to purchase several items using my credit card information. I got a text message asking if I made these transaction. I replied " NO '' and received a phone call from XXXX asking me about these transactions. Apparently this text was PHISHING for my personal information. I would like to report this number as being a fraudulent organization trying to exploit consumers.
Consumer complaint received 2022-10-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Service of Nevada (NV)

On XXXX I mailed out a Debt Validation Letter to Sierra Outsourcing Solutions. They did not respond with the appropriate debt proof that was requested. I have never received anything in the mail. Per the Fair Debt Collection Practices Act, you have to respond to my validation of debt request within 30 days. Since you didn't, you have to remove my debt from collections as you failed to provide proof. Per my letter that I mailed out by certified mail, it states : 'If you have good reason to believe that I am responsible for this debt, mail me the documents showing my responsibility, including but limited to : Assigned contract proving this debt belongs to me, A last statement or bill providing how much I owe, Proof of the last action taken on the account, And proof that you are licensed in Nevada XXXX '' None of this was provided. You need to remove my collections from all 3 credit bureaus as you have violated the FairDebt Collection Practices Act.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous INQUIRIES on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these INQUIRIES from my credit report as soon as possible. SEE ATTACHED.
Consumer complaint received 2022-04-12
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc. (MT)

XX/XX/XXXX - placed order for 4 appliances with AXXXX XXXX XXXX logged in to check on delivery of order to discover that 3 of the 4 items were on backorder, called XXXX XXXX to determine their delivery date. XXXX XXXX  could not tell me when they would be available. I asked to cancel the entire order because I needed all 4 items. 
XXXX XXXX XXXX had still not cancelled the order. XXXX XXXX stated that 1 item had shipped and there would be a charge of XXXX. I provided documentation from XXXX showing them that the item had not shipped ( see pages 4-5 ). 
XX/XX/XXXX - I received a partial refund from XXXX XXXX 
XXXX XXXX field a dispute with XXXX XXXX for the remaining balance. ( pg 3 and page 7 ) XXXX XXXX XXXX  sent a letter saying dispute was under investigation. 
XXXX XXXX XXXX refunded a partial amount leaving a balance of XXXX which I was still in disagreement over. 
XXXX Commenity Bank sent a very vague letter. 
XXXX I called and spoke to Commenity and they stated my dispute had been closed due to the XX/XX/XXXX partial refund. I stated I disagreed with that outcome and am still disputing the XXXX that had been withheld. I was connected to a supervisor who reopened the dispute and asked me to send the XXXX documentation ( pages 4-5 ) as evidence that the item had not shipped and a full refund was due to me. 
XX/XX/XXXX - Received a letter from Comenity saying the dispute was under investigation XXXX Comenity sent another letter stating they could not fulfill my request. 
XXXX Called and spoke to Comenity and explained they reached the wrong conclusion and that because 1 ) XXXX XXXX had not been transparent up front about items being on backorder they caused the order to be cancelled and 2 ) that the item had never shipped in accordance with the XXXX XXXX. I stated I would not pay the bill and that I was totally dissatisfied with how Comenity handled these 2 disputes. I stated I would file a complaint with the CFFB. Comenity then asked if I would talk to another supervisor. I was then placed on a 10 minute hold and connected to a staff person at XXXX XXXX who refused to help me. Comenity Bank was deceitful and did not tell me they were connecting me to XXXX XXXX. Once I found out I explained to them that I thought I was speaking with Comenity and that they were supposed to be acting on my behalf. 

Comenity Bank has acted on behalf of XXXX XXXX in this entire matter and has not represented me in any way. Comenity wants to put money in the hands of XXXX XXXX at the expense of the consumer. XXXX XXXX never told me that my first dispute was not resolved, I only found this out when I phoned them to follow up on the issue. Comenity Bank is not in compliance with federal credit card laws.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

My account with XXXXXXXX XXXX  AND XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!
15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX AND XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2022-10-18
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. The other credit reporting agencies found inaccuracies with the information listed and updated them without incident. You, however, seem to claim you've verified the accuracy of the information. I'm very confused. Can you please let me know how you verified this information? What methods you used, who you talked with at the company, and what day and time you talked to this person? All this information is needed for a case I'm building against all parties who are damaging my credit XXXX XXXX XXXXXXXX XXXX, XXXX XXXX  XXXX XXXX