davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (LA)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2019-05-10
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. (GA)

I had a XXXX XXXX card card when I lived in Oregon for a number of years. Always paid my bill and was never late and never over the balance. I paid off the card in XX/XX/2018, it was at a XXXX balance. I was scheduled to move into a new apartment at the end of XX/XX/2018. I started to move in and was unable to due to a bug problem and it was delayed for three weeks. Since I paid of the XXXX XXXX credit card I didnt notice it missing until I received the statement and saw the changes, I reported it immediately. I wrote to the FTC, I put a freeze on my credit and I wrote a statement to XXXX XXXX. Not once did XXXX XXXX send me a an acknowledgement letter or a Declaration of fraudulent activity. My case has been investigated twice and denied twice. I asked for the proof they have that those transactions are mine and they refused and told me to submit a subpoena. I have been fighting this for almost three years, my history with them should be enough to show this was not me. I was denied my rights as a consumer.
Consumer complaint received 2019-05-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Continental Finance Company, LLC (MD)

COMPLAINT AGAINST XXXX  CARD On XX/XX/XXXX, I paid {$150.00} as monthly payment to my XXXX card account and on XX/XX/XXXX, I paid {$180.00} being my balance on my card.After processing the deposit of {$180.00} my balance was XXXX in terms of payment and my credit card balance was XXXX XXXX.Since that date there was no further transaction on my part. In XXXX I noticed a charge for a late payment of which I confronted them over the telephone. They explained to me that I did make any payment on XX/XX/XXXX which of course I did. Later they withdrew {$15.00} late payment of which they have already taken {$35.00} as late fee. What about the remaining $ XXXX I also saw another charge of which I asked them and they informed me, it is the yearly charges. I disclosed to them that since I paid all my balance, I have not engaged in any transaction so why charge me yearly charges at that time. I asked them to show me previous dates that I have been paying the yearly charges but they could not provide me the information. I later received a mail from them that I have a new balance of {$150.00} and that I should pay a minimum payment of $ XXXX that I should pay today XX/XX/XXXX XXXX.Yesterday I then checked my account online and saw changes that are quite different from the mail I received. On my online account I now have a new balance of XXXX and that I should pay $ XXXX on XX/XX/XXXX.Why the sudden changes? Why the information in the mail is different from the information that is on my online account. So between XX/XX/XXXX when I paid up everything with my balance standing at $ XXXX to now XX/XX/XXXX without engaging in any transaction, my credit balance is XXXX want to close this account but I want a clear explanation as I am totally confused. I am referring my case
Consumer complaint received 2019-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

Refer to complaint XXXX. NONE of the questions were answered. 

XXXX Received letter dated XXXX, stating " We have received a request and added to your credit report an Extended Fraud Alert. '' 1. WHO/WHAT/WHEN/WHERE/HOW requested to ADD the fraud alert? I have NEVER requested such alert. 

2. Provide US based customer service direct phone line, not some generic line where there is no way to talk to humans. Provide 2 names, job title, and phone numbers that I can reach directly.
Consumer complaint received 2019-05-28
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: TD BANK US HOLDING COMPANY (NV)

On XX/XX/XXXX, I applied for a line of credit with XXXX XXXX to buy a new phone for my wife for XX/XX/XXXX. Upon applying for the credit line and being approved my order was successfully placed for {$520.00}. The following morning I woke up to an e-mail stating that I had NOT been approved for the line of credit and that XXXX was canceling my order. I didn't think much about it until I received a letter a few days later congratulating me about the credit line I was approved for, but to my surprise, the charge for the phone was still showing on the credit card despite the order being canceled and I never received the phone. I tried calling T.D. Bank ( the bank who manages XXXX XXXX ) and after 2 hours and a conference call to XXXX XXXX to remove the balance for a product I didn't get, neither company was willing to remove the charge. XXXX told T.D. Bank that it wasn't their problem and that they canceled the order, but T.D. Bank said that they can't cancel charges from XXXX. At this point, I owe a balance on a line of credit for a product I never received and it has been 20 days since the transaction was supposedly canceled. T.D. Bank even heard XXXX say that they canceled the order and that the charge should not be there. Please help me get some resolution on this before it destroys my credit. Additionally, I truly feel like T.D. Bank/XXXX XXXX was very deceptive with the advertising of this credit line and it feels like they just hooked me into applying for the credit line only to cancel the order after the approval went through. Any help is greatly appreciated.
Consumer complaint received 2019-04-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R & B Corporation of Virginia (TX)

XXXX XXXX XXXX is reporting incorrectly to XXXX and XXXX  an unpaid/placed for collections for {$220.00} partial account number XXXX. ( Please see pages 2 and 3 of the attached credit report. ) I moved from XXXX, Texas and cancelled this internet and phone service and sent the equipment back to XXXX XXXX XXXX via priority mail. ( Please see the related documentation attached. ) This documentation is proof that XXXX XXXX XXXX  did in fact receive these items. XXXX XXXX XXXX is now saying that I never returned these items and consequently they have sent this account to a third party collection agency. This incorrect reporting is harming my credit score.
Consumer complaint received 2023-08-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America has been holding on to funds for an excessively long periods of time. 

I deposited a check XX/XX/XXXX. They said it would not be available until the XXXX. 

Deposit funds from XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The funds are STILL on hold today - 7 business days later. They said check back on the XXXX. 

Bank of America did not notify me the funds were on hold until I called asking why I could not transfer money. They asked me silly questions like what bank did it came from, what is their phone number and email. In the deposit information -- it already states deposit from " XXXX XXXX. ''
Consumer complaint received 2019-05-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

To whom it may concern. My name is XXXX XXXX and Capital One filed a suit against me on XX/XX/XXXX. Capital One and Its Attorney 's XXXX XXXX XXXX XXXX XXXX XXXX filed a suit against me without me being able to dispute the validity of the Debt. No Demand letter was sent out from the firm prior to filing suit. In addition, from XX/XX/XXXX to XX/XX/XXXX Capital One violated my rights under the FDCPA numerous times and contacted my brother on the debt. Capital One responded on XX/XX/XXXX and acknowledged that they contacted my Brother in error even though I revoked authorization to use his email as a form of Contact. Attached is the response from Capital One showing that they did contact My brother without my Authorization. Capital One then tried to downplay the Severity of the FDCPA violation and offered a small credit to the account instead. I do not accept the resolution givin and especially now that suit was wrongfully filed against me. In all fairness in light of Capital One 's FDCPA violation I will not take any Legal Action on this Violation if Capital One agrees to Dismiss the Suit With Prejudice. Please note Authorization was revoked to contact my brother email address regarding the account on XX/XX/XXXX, Capital One then contacted my brother numerous times after resulting in multiple FDCPA violations. Thank you.
Consumer complaint received 2019-04-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX and Transunion are reporting incorrectly that I am 30 days past due on XXXX partial account numbers ****XXXX. ( Please see pages 14 and 15 of the attached credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Consumer complaint received 2019-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Date Opened : XX/XX/XXXX Creditor : XXXX XXXX XXXX, aka " XXXX '', aka " XXXX XXXX XXXX '', aka, " XXXX XXXX, XXXX '' High Credit : {$20000.00} Bureau Code :  Co-Signer Collection Agency : XXXX XXXX XXXX XXXX Issue # 1 : The creditor is reporting the same ( {$20000.00} ) account twice. There was only ( ever ) one loan, but the creditor is reporting as if it's two separate loans/accounts. 

Issue # 2 The account was opened in XXXX, went delinquent, and ultimately the creditor obtained a court judgement in XXXX. I'm under the impression that negative accounts could only report for 7 years. If this account was bad in XXXX ; why is it still reporting on my credit report.
Consumer complaint received 2023-10-31
Product: Credit 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: DISCOVER BANK (AZ)

Stayed one night at XXXX XXXX XXXX in XXXX, AZ on XX/XX/XXXX for {$640.00} and booked a much nicer hotel suite than normally booked to celebrate a XXXX birthday. Hotel management failed to notify the room was ready, despite being requested to, and the time available for the amenities was reduced. Upon arrival to the room, there were curtains missing, bathroom toiletries were missing, the carpet had noticeable burn marks in multiple places, and the bed sheets had stains. The front desk informed us the hotel was booked up for the weekend and no other rooms were available. Following checkout we notified the hotel management again of the issues, provided photos, and left a negative review. Hotel management acknowledged the issues that were noted, but offered no remedy or explanation as to why the quality of their rooms did not match their advertised material. 

The hotel 's mistakes are something they have acknowledged, their rooms did not match the quality that was advertised when the reservation was made, the issue was brought to their attention when they could have resolved it, and they were unable or unwilling to resolve it during or make amends after the fact. 

My current issue is that I have a right to dispute the quality of goods and services not being as advertised with my Discover card according to the Billing Rights in my cardmember agreement since I made the purchase with a Discover credit card. I have tried to initiate this dispute, and have been told many times incorrectly that it is not something that I can do by Discover employees. This is despite me pointing everyone I talked to toward Discover 's cardmember agreement Billing Rights section, the Fair Credit Billing Act summary text, the FTC information about the FCBA, and the Consumer Financial Protection Bureau 's consumer website explanations about the FCBA that emphasizes that right to initiate a dispute for that reason.

After pushing for it to be opened, the dispute was eventually filed as dispute case XXXX. In response, the merchant provided no information to show that the quality of goods and services matched what was advertised to refute my claim. The merchant provided evidence the transaction occurred and that is all. However, Discover 's agents decided that the evidence that the transaction occurred was sufficient and closed the case in their favor. Discover 's agents are refusing to answer my questions and repeating incorrect information instead of handling the dispute according to the contractual agreement that I have with Discover and according to the laws that Discover is subject to.
Consumer complaint received 2019-04-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (OR)

Citibank closed my account with no notice or warning. I received a letter dated XX/XX/19 saying the account was closed due to inactivity. This will impact my credit, and when I spoke to the company they said the only solution was to open a new account which would be considered an inquiry on my credit ( which also negatively impacts credit score ). After having this card for years it does not seem fair that they can close it with no notice.
Consumer complaint received 2019-04-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: U.S. BANCORP (WI)

My name is XXXX XXXX. XXXX XXXX had leased a car from U.S. Bank. The dealer XXXX XXXX XXXX XXXX Wi. He had the beginning stages of XXXX. This was done in XX/XX/XXXX. I went to the dealer and told them About XXXX and his beginning stages of XXXX. My daughter XXXX XXXX talked to the loan officer prior to the signing of the lease. When I went to the dealer they told me there was nothing they could do because it belong to the bank now. Because of his XXXX he was told by his neurologist not to drive. Basically he was paying the loan payment until XX/XX/XXXX that is when I decided to go to U.S. Bank with XXXX XXXX to have the vehicle changed into a loan. US Bank put the loan in my name. I continuously called the lease Company because the lease was never changed to my name when I signed the loan XX/XX/XXXX The leasing company out of U.S. Bank kept on telling me XXXX had to take out the loan. The loan could not be in my name. I was reassured that it could be changed to my name. In XX/XX/XXXX XXXX XXXX was charged a lease payment and I was charged a loan payment. After many calls they corrected this issue. The loan I signed for Had the wrong amount on it they had charge me double for taxes on the loan again I was calling about this issue US Bank told me they corrected the loan and XXXX XXXX was reimbursed for the lease payment. The title came as paid off in XXXX XXXX name I was told to take the title to the bank and there It sat for a month. I kept on checking DMV website to see if the title had been put in my name. It had not again I was making many calls. At the beginning of XX/XX/XXXX I was told it was taken care of and it would take 23 days still not in my name. I called again then they said it was sent in and it would take 13 days. Still the DMV had not received it. I have been calling and emailing the CEO and it was turned over to somebody else. Finally XX/XX/XXXX I was told it definitely had been sent to the DMV. The title is still not in my name with the DMV although I have been told it has been perfected. The problem is that I have been paying on the loan I have been paying the car insurance and the car has not been driven. I wanted to sell the car and now theyre at XXXX XXXX months have passed the value of the car has gone down significantly. I now owe more than what the car is worth. U.S. Bank just tells me that they corrected mistakes. I have told them How stressful this has been but they dont seem to care. The vehicle is a XXXX XXXX XXXX XXXX with XXXX miles. Again my name is XXXX XXXX from XXXX Wi I would like to be reimbursed for all the money I have been losing due to their incompetent. If US bank made a mistake on the loan which I did sign can they just called and change the loan amount.
Consumer complaint received 2019-04-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (CT)

Hello, On XX/XX/2019 while checking out at a XXXX XXXX  store located in XXXX, CT, I was asked if I would be interested in the store rewards card. Assuming this was just a card that accumulated points for purchases in store, I agreed. 

However, when the cashier began to ask me for my social security number, drivers license, etc. I asked why she needed that information. She replied it was necessary for the store rewards card. As I believed this to only be a store card I provided the requested information. 

At no point in this process did the cashier indicate in any way that this was a credit card application. If she had I would have immediately declined as I had no desire for another credit card. When she informed me that I had been approved I was flabbergasted and asked why she had not told me this was a credit card. Her response was that she had told me it was a store rewards card. 

As this was a Saturday ; I contacted the creditor, Synchrony Bank, on Monday, XX/XX/2019 to have them cancel this card and asked them to remove this inquiry from my credit report. The representative was helpful and cancelled the card and told me he would forward my request to have the inquiry removed. I emphatically told him that I was intentionally misled and not informed that this was a credit card application. He indicated he would provide that information. 

On XX/XX/2019 I received a response from Synchrony Bank, copy attached, in which they informed me that as I had provided the necessary information for their paperless credit card application they were not able to remove this credit inquiry. They went on to inform me that compliance is very important to them and they follow all applicable laws as outlined in the Fair Credit Reporting Act ( FCRA ). If that is so, then their employees should disclose to customers that they are applying for a CREDIT CARD and not a STORE REWARDS CARD. 

Additionally, they state in their letter to me that it was fully disclosed to me on the application that Synchrony Bank would access my credit file when processing my application. However, as this was a paperless application as they stated, how would I have known that? They clearly have contradicted themselves in this instance. 

As I was misled ; whether intentional or not ; this practice clearly is in violation of the FCRA in which a consumer needs to be fully informed of what they are applying for. Im sure I am not the only consumer that may have been impacted by this practice ; not only at this store. This may be their store practice to encourage their employees with incentives on accounts opened. 

I respectfully ask that this inquiry be removed from my credit report immediately.
Consumer complaint received 2019-04-22
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Direct Recovery Services, LLC (UT)

This company uses scare tactics, they threaten, slander and intimidation. They try using lingo that doesnt make sense, but when you ask for clarification it still makes no sense such as pull your file. They raise their voices at you even when you ask them to remain calm. I have talked to them twice. Today XX/XX/2019 and XX/XX/2019. I asked multiple times for documentation of my debt to be mailed to be only to be told it was a smoke screen. I have the right have documentation to what they are asking me to pay. The rep I spoke to was extremely unpleasant and unprofessional, I understand your job is to get money but you should never use scare tactics.
Consumer complaint received 2019-04-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BBVA FINANCIAL CORPORATION (AL)

After deciding to close my account due to suspension of external account transfer options, I called Simple ( simple.com ) to request account closure. 

Speaking with the first service rep, I was advised to remove the money from the account first. I stated that transfers to external accounts was not available for me, so she advised me to withdraw my remaining balance from an ATM. I inquired whether she knew of any ATMs in my area that dispensed {$1.00} bills, since the balance in my account was not an increment of {$10.00}. 

I then was transferred to a supervisor who informed me they could close my account and explained how I could transfer to my spouses account at the same bank. 

She then explained that I had to request account closure in writing, or through secure messaging in the Simple App.

I then submitted that request, requesting all accounts in my name be closed. The response I received said they also needed confirmation to close a protected goal account, something I was not aware I had and had not been notified of during the phone conversation, and was yet another barrier to closing my account with Simple. 

After sending yet another message again requesting ALL accounts be closed and requesting confirmation, I stopped getting any responses from the customer service. 

I have a XXXX  balance and have no pending transactions with Simple Bank, and would simply like this bank to honor my request for account closure. 

Thank you.