davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-05
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Pollack & Rosen, P.A. (FL)

I received a notice of deposition XXXX XXXX in aid of execution. The statute of limitations for credit card debt is 4 years in Florida. This is the statute of limitations for an open account, which includes credit cards. 

It's been over 7 years. They are violating the Fair debt collection practice act. Which prohibite suing or threatening to sue for a time barred debt.
Consumer complaint received 2017-12-04
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc. (CA)

I have told XXXX Bank since XXXX XXXX to not call me. In XXXX XXXX they started to call my parents and my husband. They too have also told them to stop calling and in the past week XXXX XXXX > XXXX XXXX XXXX, we have all gotten multiple calls. I do n't know what else to do and was advised by my attorney to file a complaint.
Consumer complaint received 2023-12-05
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Chime Financial Inc (CA)

Because I currently am unable to obtain an account with a bank, I had to settle for a prepaid card of which I've used for THOUSANDS of direct deposits considering that I am a XXXX in the XXXX XXXX and get paid well. 

SOMEHOW Chime is unable to verify me... I've followe there instructions did XXXX on multiple occasions LET ME COUNT THEH WAYS! and yet I have no access, they stated my e-mail was not the same. On one occassion I spoke to someone that was able to verify my identity using my name, address, social and card ( on hand and file ), so she changed both my phone number and e-mail, that was sometime early XX/XX/XXXX. 

Moving forward, to I want to say XX/XX/XXXX I am notified by the IRS that they had direct deposited a check that I was expecting to recieve in the mail but instead deposited into said Chime account. 

I have not been able to log in or gain access since, apparently my e-mail, once again does not match ... it was over {$1000.00}.
Consumer complaint received 2023-12-05
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Sequium Asset Solutions, LLC (CO)

The calls go right to voicemail and give no name or what the debt is for. They call more than 7 times in 7days in fact at one point it was 12 times in 7 days. But I never get the call and I can not attempt to contact them back. I will copy the transcribed voicemail here for you to see why this has become rather stressful and disruptive to myself and my family. 
This message is for business name, XXXX This is Sequim asset solutions calling regarding your spectrum account. Please call us back at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX  to XXXX XXXX XXXX XXXX XXXX XXXX XXXX thank you. but the actual message is a recording and says this message it for name XXXX XXXX XXXX. Its to the point it's disrupting the flow of my day and caused me to avoid answering my phone at all causing additional issues in my life.
Consumer complaint received 2017-12-03
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Markoff Law LLC (KY)

I purchased a XX/XX/XXXX XXXX from XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. I felt with the high interest charges, I wanted a change. So I turn in the car voluntarily. They supposedly sold the car for {$2000.00} and say I still {$8100.00} I say no, this company is a complete ripoff to the consumers. 
Now they have a debt collection Attorney trying to sue me. I got rid of this automobile because mileage and age, furthermore when I purchased it the front end was about to fall off, of which I had repaired, I could have been injured or even killed by this vehicle. I was totally lied to.
Consumer complaint received 2017-12-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TX)

A XXXX XXXX purchased a used XXXX XXXX XXXX XXXX fraudulently using my private residential address. XXXX is stationed at XXXX XXXX, XXXX, home of record XXXX XXXX and drivers license either NY or XXXX XXXX have no ties to XXXX  . XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX allowed XXXX to purchase the vehicle and register it fraudulently using my personal residential address without my knowledge or consent. Identity residential fraud. The XXXX Staff did not check the proper credentials nor verify if XXXX even live d in XXXX. XXXX obtained XXXX   license plates for XXXX XXXX and registration fraudulently. XXXX XXXX XXXX Staff lack of identification verification from buyers when registering vehicles in XXXX leaves all XXXX residential addresses open to exploitation and identity address fraud.
Consumer complaint received 2023-12-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION (GA)

I bought a saw from XXXX that turned out to be used and defective. There web site said 90 days warranty 30 days free returns. I went back and fourth with them, sending them videos and telling them what I have done several times. They sent me videos on how to put gas in and start several times. 
After several weeks of arguing with them they finally sent a return label and I returned saw. XXXX XXXX apparently never returned funds or Truist Bank never credited my account back. 

Enclosed is tracking number and proof they received the saw. 
Tried to dispute with Truist Bank, 3 times, monies that were to be returned by merchant. 
They said they closed first time because no affidavit. They said they would send and I never received. 

Truist Bank The Charge was {$360.00} on XX/XX/2023 The name of my account is XXXX Contracting Account # XXXX
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credit Karma (WI)

Incorrect late reporting for a Credit Builder account with Credit Karma for the month of XXXX, I have been back and forth with Credit Karma and the credit bureaus to no avail as they will not offer help in solving it. Credit Karma said they would remove the incorrect reporting beginning of XXXX and then proceeded to report it and now refuse to remove it.
Consumer complaint received 2017-12-03
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: DISCOVER BANK (MO)

On XXXX/XXXX/XXXX I opened Discover Savings account number XXXX. At the time there was an offer for a {$200.00} bonus if the account was funded with {$20000.00}. The terms of the offer read : " Apply for your first Discover Online Savings Account by XXXX/XXXX/XXXX. Enter offer code XXXX when applying. Deposit a total of at least {$15000.00} into your account by XXXX/XXXX/XXXX to earn a {$150.00} Bonus or deposit a total of at least {$20000.00} into your account by XXXX/XXXX/XXXX to earn a {$200.00} Bonus. '' I was able to successfully open the account online using the offer code XXXX on XXXX/XXXX/XXXX. 

As of XXXX/XXXX/XXXX I still have not received the {$200.00} bonus despite meeting the requirements of the promotion - {$20000.00} was deposited into the account on XXXX/XXXX/XXXX. I have called Discover several times asking about the status of the bonus and have been given multiple excuses as to why it has not been credited. These excuses include : XXXX The bonus will post I just need to wait until the end of XXXX. 
* When I called after the end of XXXX I was told the bonus " might '' post by the end of XXXX. 
* I was n't specifically targeted by the marketing department so I wo n't be getting the bonus -the offer did not mention anything about being targeted and it was available on Discover 's own website. 
* I did n't use the offer code on the online application - I did enter the code as it was the only reason I opened the account in the first place. 

I expect Discover to credit the {$200.00} bonus as I have met all of the requirements of their promotion. 

Thank you, XXXX XXXX
Consumer complaint received 2017-12-04
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. (PA)

I recently disputed some fraudulent accounts with the credit reporting agency equifax and the information was deleted, now almost a month later it is reappearing on my credit report. 
These were the accounts that were deleted and removed from the report I received on XX/XX/2017 Report # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts do not belong to me and were opened in fraud ... XXXX
Consumer complaint received 2023-12-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Coast to Coast Financial Solutions, Inc. (TX)

I was contacted about this debt when my credit report alerted me, on XX/XX/23. I filed a dispute with XXXX. After almost a month, today I was notified that the amount would remain. That THEY confirmed the amount was correct. They did not provide me with any other info. The company Coast to Coast Financial Solutions, placed an amount of {$340.00} for a company called XXXX XXXX XXXX XXXX. I have been in Texas for over 5 years, I stayed with my parents when I first for here and then got an apartment. i say that to say, they have no affiliation with Texas. I have never had a contract with this company. When i attempted to contact Coast to Coast through email and phone. No response in over a month. This account is not mine.
Consumer complaint received 2023-12-05
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (GA)

On XX/XX/XXXX, someone opened an XXXX XXXX XXXX XXXX account or bought something there using my information/credit account. On XX/XX/XXXX it was reported to XXXX as Delinquent, bringing my score down by XXXX POINTS! I called the collection company : Sunrise Credit Services and told them this was fraud. Furthermore, I told them I received no notices beforehand that payments were behind, which is industry standard when payments are missed ... meaning the address they have for the person who used my credit must clearly be different. I told them I have used : XXXX, XXXX, and XXXX XXXX for the last 20+ years. I found out that a very old address was used in connection with accessing my credit, so perhaps they had used it instead of one of my newer XXXX addresses from moves I've made over the years. Sunrise Credit Services provided me with the phone number of the person who used my information, so this should easily be traceable : XXXX. I have submitted a fraud report with XXXX and they need a copy of the report from FTC/cfpb to add to their documentation. The amount I am fraudulently being held responsible for is {$1300.00}. I will now begin to pay the {$24.00} XXXX requires to " LOCK '' a credit account as this monthly fee will be well worth avoiding this happening in the future.
Consumer complaint received 2023-12-05
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I received a notice of deposition XXXX XXXX in aid of execution. The statute of limitations for credit card debt is 4 years in Florida. This is the statute of limitations for an open account, which includes credit cards. 

It's been over 7 years. They are violating the Fair debt collection practice act. Which prohibite suing or threatening to sue for a time barred debt.
Consumer complaint received 2023-12-05
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: TRUIST FINANCIAL CORPORATION (FL)

XX/XX/XXXX spoke with XXXX and requested account XXXX be closed. However, after speaking with XXXX, Truist again made duplicate charges to this account from account XXXX. XX/XX/XXXX spoke with XXXX and again requested this account be closed. Truist failed and/or refused to close the account and again made duplicate charges to this account from XXXX and charged me late fees, penalties, and interest. XX/XX/XXXX spoke with bank representative in person and asked for account to be closed, yet Truist again charged duplicate charges to XXXX. Since Truist continued to make duplicate charges on XXXX and charged late fees and penalties, and interest, on XX/XX/XXXX I closed all my accounts with Truist and asked that credit card XXXX be closed. Truist continued to charge BOTH accounts XXXX and XXXX. XX/XX/XXXX spoke with XXXX who agreed I do not owe money on these accounts but she claimed there was nothing she could do. On XX/XX/XXXX I sent a letter to Truist by certified mail, again requesting they close account XXXX and XXXX. However, Truist failed to do so and allowed charges to be made on these accounts. XX/XX/XXXX I sent another letter by certified mail asking for both accounts to be closed. Approximately XX/XX/XXXX received another invoice from Truist claiming owed additional charges, interest, penalties, late fees, as they refused to close both accounts and continued to charge both accounts and demanding that I be responsible. XX/XX/XXXX, received another invoice with additional charge that I did not expressly authorize and Truist again demanding late fee, penalties, and interest. I can provide copies of letters sent to Truist and invoices.
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (WI)

I sent over a dispute letter asking for accounts to be removed from my credit report under 15 US 1681b, I never gave consent for any accounts to be reported. It has been well over 30 DAYS and I still haven't gotten any results. The code is posted below.

15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports, I never gave you any written consent to report anything on my consumer report. 

As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state Also we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney General 's Office, XXXX XXXX XXXX, and Federal Trade Commission.
Consumer complaint received 2023-12-05
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)

In accordance with the Fair Credit Reporting Act XXXX Account XXXX has violated my rights. 15 U.S.C 1681 Section 602 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 an account without my written instructions 15 U.S.C 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-12-05
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. (GA)

I submitted a dispute regarding the Bankruptcy records that has been reported on my credit report. Transunion has came back stating that they have verified the information as accurate. As my previous dispute stated in a letter from the Bankruptcy Court stating that they do not provide information to credit reporting agencies. 

I need Transunion to either provide proof that they received such information from the Courts, which is noted the courts never provides such information.
Consumer complaint received 2017-12-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: ASSOCIATED BANC-CORP (IL)

I have opened a XXXX account with over {$10000.00} as dictated per offer in the XXXX, IL branch. The requirements listed in the opening brochure to receive a {$100.00} bonus was to keep the above mentioned balance for at least 90 days. Since I have a specific tax situation I have requested the bank to post the opening account bonus in XXXX instead of XXXX since I found that that the bank will be reporting it on 1099 INT form instead of 1099 MISC ( the account bonus reporting is specifically vague listing the reporting category as 1099 only, please see attached ). As result the bank took a very aggressive stand on the issue with the market manager XXXX XXXX stating that " he 's surprised I have nothing better to do with my life than demand bank to delay the bonus payment. '' When I looked at the wording of the offer and floated a possibility of delaying the account qualification so it comes to qualifying the bonus for XXXX by withdrawing the account below {$10000.00} ramping it up again in XXXX ( the account requires 90 day maintenance of the balance however it does n't require it to be held consecutively for 90 days in the 12 months period ) he objected stating that the account will be denied bonus if I do so.

When I escalated the matter the bank offered me the only alternative : to receive a bonus or not. Subsequently the bank awarded the bonus contrary to its own T & C ( before the completion of the 90 day period as in spite ).

Issues : 1 ) Why the bank does n't follow the wording of its legal disclosure closely when it comes not only of the XXXX XXXX XXXX but also its own reporting requirements? 
2 ) Why the culture at the bank is such as it creates a needlessly adversarial environment as if the bank representatives know my tax situation better than myself?

3 ) What the bank does n't offer a solution to issue ( however unique ) instead of treating the matter as some type of frivolous request?
Consumer complaint received 2017-12-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Protection Association, L.P. (AL)

'Collection Notices from XXXX for Equipment that I do not have. ' XX/XX/XXXX - Contacted XXXX and cancelled TV & Internet serices XX/XX/XXXX - Sent ALL equipment back to XXXX  via XXXX ( 2 Cable boxes, 2 Remotes, and 1 Modem with WiFi XX/XX/XXXX - Recieved at XXXX - signed by XXXX ( I have XXXX POD ) XX/XX/XXXX - Received XXXX Invoice for {$1300.00} for Equipment & service XX/XX/XXXX - Called XXXX customer service and explained that equipment was sent back and they said they would send a revised Bill for {$25.00} service XX/XX/XXXX - Received XXXX Invoice for {$130.00} equipment and {$25.00} previous balance. 
XX/XX/XXXX - Call XXXX again, and XXXX said they would look into the {$130.00} discrepancy and get back to me within 1 week. 
XX/XX/XXXX - Received 'Collection Notice ' mail from Credit Protection Associates ( CPA ) for $ XXXX-equipment + {$5.00} Collection Fee = {$140.00} XX/XX/XXXX - Sent written response to CPA > " I Do Not Owe XXXX any outstanding balance. This Claim is Not Valid. I do not have any Equipment that belongs to XXXX. '' XX/XX/XXXX - Received 2nd Collection Notice mail from CPA = Past Due {$140.00} XX/XX/XXXX - ReSent sames Response letter. ( Please see attached ) XX/XX/XXXX - Received Collection Phone Call from CPA-XXXX. I responded with same as above - I do Not Owe and I do Not have any Equipment. 
XX/XX/XXXX - Received another phone call from CPA and I responded in the same way as above again. 
XX/XX/XXXX - I received anther 'Collection Notice ' mail from CPA, {$140.00}
Consumer complaint received 2023-12-07
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (VA)

In XX/XX/XXXX I purchased a camera from XXXX XXXX XXXX XXXX and used my XXXX XXXX  XXXX Comenity account expecting 0 % interest if paid in 12 months. In XX/XX/XXXX there was an interest charge added to the bill. I made several calls to both XXXX XXXX XXXX and Comenity bank about this. It took until XX/XX/XXXX before Comenity agreed to look into this. In XXXX I received a letter stating that I would refunded XXXX and the interest rate would be changed. I was never credited the above amount and have continued to be charged interest on the account. I have made monthly payments to the account such that the initial amount was paid in full over the 12 month time frame but the interest has continued to accumulate. I have made multiple calls to customer service who tell me they do not have any ability to fix this as the division they need to contact has not responded to them. I was most recently told to send a message via their website where I stated everything written above as well as sending them copies of the letters they sent to me and the response was that I had never contacted them in the past ( yet I have the letters they sent me ). I want the interest charges removed according to letters they sent.
Consumer complaint received 2017-12-03
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

1. I shopping and compare HELOC product between two banks 2. XXXX XXXX offer XXXX and higher rate and can not compate with XXXX XXXX 3. I inform XXXX XXXX   list as second lien position and reduced loan amount cause I choose XXXX XXXX to be the first lien XXXX with better rate. 
4. XXXX XXXX loan officer aware the XXXX offer {$400000.00} was accepted by me and willing to reduced loan amount and will to accept second lien position. 
4. 4-5 days after closing, XXXX XXXX disapproval closing and accused me to defraud loan and decide to ending and close all bank relationship ( loan and checking account ) Report to credit bureau that I tried to cheat and scheme loan. 
5. I proper disclosure XXXX XXXX to XXXX XXXX loan dept through email and phone, all intake units aware that I used XXXX XXXX as first lien position and bank still disreagrd all fact and prepare me to close loan as they are the first lien position. 
6. due to their neglect & illegal sale stragy, Fraud and claim dept verdict me that I cheat their loan and report to credit bureau I lie on the loan application, My credit score drop from XXXX ... .. and record will stay for 7 years ...