davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-18
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (FL)

On the XXXX of XXXX, XXXX I applied for a line of credit through Discover it Card where after I answered the questions asked of me and provided my personal information like my name, address, social security and other personal information, I received a denial letter, advising that my credit was denied. Upon further educating myself I found that discover has violated my consumers right by discriminating by treating my application unfavorably based on other credit transaction under Equal Credit Opportunity Act 12 CFR 1002.7 Individual accounts. A creditor shall not refuse to grant an individual account to a creditworthy applicant on the basis of XXXX, marital status, or any other prohibited basis. ( m ) Credit transaction means every aspect of an applicant 's dealings with a creditor regarding an application for credit or an existing extension of credit ( including, but not limited to, information requirements ; investigation procedures ; standards of creditworthiness ; terms of credit ; furnishing of credit information ; revocation, alteration, or termination of credit ; and collection procedures ). 
( n ) Discriminate against an applicant means to treat an applicant less favorably than other applicants. Consumer Credit Protection Act 15 U.S. Code 1691 - Scope of prohibition : ( a ) Activities constituting discrimination It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction ( 1 ) on the basis of race, color, religion, national origin, sex or marital status, or age ( provided the applicant has the capacity to contract ) ; ( e ) Copies furnished to applicants ( 1 ) In general Each creditor shall furnish to an applicant a copy of any and all written appraisals and valuations developed in connection with the applicants application for a loan that is secured or would have been secured by a first lien on a dwelling promptly upon completion, but in no case later than 3 days prior to the closing of the loan, whether the creditor grants or denies the applicants request for credit or the application is incomplete or withdrawn. Furthermore, Discover also, violateXXXX XXXX XXXX XXXX XXXX XXXXXXXX, the securities XXXX of XXXX, XXXX XXXX XXXX XXXX and Consumer Protection Act, Consumer Financial Protection Bureau website and Financial Industry XXXX XXXX XXXX and XXXX  ( XXXX XXXX XXXX, XXXX XXXX XXXX. ), as I explained to them, on the notices sent certified mail, I am aware my application with my social security and signature, is a security and I demand they compensate me for it.
Consumer complaint received 2023-12-18
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: TRUIST FINANCIAL CORPORATION (AL)

On or about XX/XX/2023, I received a call from Truist Bank 's Fraud department concerning two suspected fraudulent charges on my credit card. One charge was for {$1.00} the other was an XXXX charge of {$710.00}. I said neither of those charges were mine. I was told my card would be closed and a new one sent to me and that the charges would be investigated. When I received a Truist statement with the {$710.00} XXXX charge billed, I called Truist and was told the charge was being investigated. I then received a Truist letter dated XX/XX/2023 assigning case number XXXX to the case. When I received the bill dated XX/XX/2023, the charge was listed as a previous balance and fees totaling {$36.00} were added. I called the Fraud Department again on XX/XX/2023 and was told it takes 3 billing cycles to complete the investigation. I then received a letter dated XX/XX/2023 telling me my payment was past due and may be reported to a credit bureau. I called the Fraud Department again on XX/XX/2023 and was told they are still working on it. I received another Truist letter dated XX/XX/2023 advising my account was past due and again stating it may be reported to a credit bureau. I called again on XX/XX/2023 and was told the investigation was being expedited. On XX/XX/2023 I learned the matter had been reported to credit bureaus and my otherwise excellent XXXX score had been reduced by XXXX points due to Truist 's delay in investigating the fraud. I called again and was told a second time the case would be expedited. I later received a letter dated XXXX advising my account was being closed and that " This communication is an attempt to collect a debt.. ''
Consumer complaint received 2023-12-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Empower Finance, Inc. (NJ)

On XX/XX/2023 I requested to have my Empower.Me account closed and was told that I will have to wait for the XXXX until the funds would settle. It's been over a month now. When will my funds be returned to me? 
Every time I call or send an email, I am constantly given the same lame response, " We promise that we've received your message and we'll get back to you as soon as we can. '' or " I will escalate your case. '' I haven't received any response in regards to my funds. This company is trying to rob me.
Consumer complaint received 2015-09-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NY)

This complaint is being filed against equifax. I have had my identity stolen and an account with XXXX XXXX credit card was established XXXX. I filed a police report and sent it to equifax requesting for the account to be blocked from my file in XXXX. They just disputed the account and did not honor my request to block the fraudulent account even though I sent all the necessary documents to have my request honored. I have spoken to their so called fraud department that is full of incompetent employees whom are all given scripts to read to customers and sound like robots. I submitted another dispute online recently but did not have the option to re upload my police report. I am requesting for this fraudulent account to be removed from my credit report immediately.
Consumer complaint received 2023-12-18
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc. (NC)

I signed up for a 30-day no-cost trial of XXXX XXXX XXXX XXXX XXXX service through a field sales representative who knocked on my door. The service started on XX/XX/2023 and I cancelled within the 30-day period ( on XX/XX/2023 ). The equipment was returned via the shipping box that XXXX sent out shortly thereafter. Since XXXX, I received every month a bill for {$58.00} that should never have been charged. I called XXXX XXXX XXXX, every time a representative assured me that a credit would be issued in the next billing cycle to XXXX out the account balance and it never happened. XXXX confirms that the notes on my account confirm my version of events, however they refuse to provide anything in writing that confirms this. They then sent the account to collections in XX/XX/2023 and reported to the credit bureaus incorrectly that there is a debt that is unpaid. I have since paid the {$58.00} dollars alleged balance on XX/XX/2023 in the hopes that it may reverse the credit bureau situation while I pursued a refund from XXXX. 
There is now a collections notation showing on my credit report which is incorrect and should be removed. XXXX is at fault in not crediting my account as they agreed to. If anything, I should be given a refund for the {$58.00} that I have paid to try and make this go away. 

XXXX is telling me they can not reverse the negative citation on my credit report and directed me to the credit bureau ( XXXX ). I disputed the situation with XXXX and they came back that they have contracted XXXX and confirmed that the information provided by XXXX is accurate and that if I still disagree then I should be talking to XXXX. Everytime I talk to XXXX, the customer service representative states that they see the notes confirming my version of events and then try to transfer me off to one department after another.
Consumer complaint received 2023-12-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc. (FL)

I am writing to dispute the validity of the debt referenced in the collection notices I received. I have no knowledge or recollection of these alleged debts, and I am requesting immediate verification and validation of the debt as per my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

AARGON AGNCY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AARGON AGNCY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AARGON AGNCY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NEW YORK COMMUNITY BANCORP INC (NY)

Hello- I opened a My Community Interest Checking Account w/NYCB ( New York Community Bank ) on XX/XX/23. 

They had a {$350.00} promotion regarding direct deposit ( {$500.00} or more ) and a daily average balance of {$500.00} over the first 90 days. I have met all the terms and the promotion period has passed. 

I called regarding the bonus and was told by corporate to contact the branch. When I contacted the branch they told me that there was no promo code attached to the account. I have a screenshot of the promotion on the bankers desk in-branch when I opened the account. 

I have never encountered this type of dodging before and would appreciate any help in being credited what I have rightfully earned. 

XXXX XXXX
Consumer complaint received 2023-12-18
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: GOLDMAN SACHS BANK USA (CA)

XX/XX/2023 I purchased copper water bottles from a company called XXXX. The bottles were expensive for their size but with them being copper I expected that. My bottle doesnt show up for months and when it does it is a stainless steel XXXX XXXX XXXX water bottle not the copper one I had purchased. On or around the same time on social media XXXX became well known as the scam water bottle company that everyone who purchased got the stainless steel cheap version. I did a lot of research found that XXXX changed their domain name often it was XXXX XXXX XXXX XXXX. I knew that it was a sham. I disputed the charge on my Apple Card and sent to them through their chat all the photos and documents to show what I bought what I paid for and what was sent. A no brainer except Goldman Sachs ruled on XXXX side. I have now reopened this dispute for the third time and the biggest problem is Goldman Sachs sends an email asking for me to attach my documents I have done this now three times, I have sent them in chat three times with the guarantee the right department will get my dispute. The email bounced back which makes this process a nightmare. How do you dispute something when the email you are asking for attachments to be sent bounces back?. We are now 6 months in and I want this to be settled. I believe doing it here will allow you to see everything I have sent to rule in my favor! Of course XXXX is long since gone off the net for a while they replaced the water bottles with gold watches until people found out that this person/persons was stealing from hundreds of thousands of people.
Consumer complaint received 2024-08-14
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: Experian Information Solutions Inc. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-12-18
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK (CA)

I have been a credit card holder of Discover bank since XXXX, in XXXX I received personal loan offer letter ( the page is attached ) of XXXX USD for 48 months at a fixed monthly payment of XXXX USD. 
In my XXXX statement I realized that the loan amount has been added to my balance as " balance transfer '' thus increasing my interest rate and APR which is in contrast to personal loan agreement. ( page attached ) I have contacted Discover several times but no explanation or correction has been applied. 
I am frustrated because that loan should have been finished by XX/XX/XXXX however I am still paying monthly payment for the balance that must have been completed last year. I consider this a deliberate scam or mistake as major negligence if not fraud or consumer abuse.
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (SC)

In my sixth endeavor to resolve this matter, I want to emphasize that this marks my fifth attempt to address the ongoing issue. Despite numerous requests, EQUIFAX has consistently denied me access to my personal credit report. They have steadfastly refused to provide any information about my credit history. Enclosed are supporting documents, including a duplicate of the letter I sent to the credit bureau and copies of my personal identification.
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (IN)

I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.
Consumer complaint received 2023-08-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.
Consumer complaint received 2023-08-29
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (IN)

This is pertaining to a debt that is not mine for the company XXXX XXXX for the amount of {$40.00}, they sent it to the Credit Management L.P. collections agency and the agency is now reporting I owe them a total of {$70.00} for the original amount plus fees. The start of the story : XX/XX/2023 : I called XXXX XXXX multiple times in XX/XX/2023 as we were moving to another state. I called before we moved out and AFTER we moved out to confirm our bill was settled. We moved out of WI in XX/XX/2023. I wanted to make sure our account balance was paid in full after we moved out. I was told by XXXX XXXX on the phone not only was it paid in full but, they had closed my account since it was paid in full and we had moved and were no longer customers. Then I got an email saying we had a balance ( after I had called and was told it was a zero balance and the account was closed ). I tried to log in online but, my login info didn't work since they had already closed out our account. I called XXXX XXXX later again in XXXX, and again, the person on the phone told me we had paid in full and the account was closed. I never received a zero balance confirmation after paying in full at the end of our lease term. They closed our account so I could no longer go into the online account to print off a zero balance. The company never called me. Next, they sent a bill to collections. They never called me about this. If there is a new bill for the address where we lived it should go to the landlord. I called the collections company Credit Management L.P. to dispute the charges. They had me fill out an online form. I never heard back from anyone and I am very concerned as these are not our charges.
Consumer complaint received 2023-08-29
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. (PA)

In accordance with thee Fair Credit Reporting Act, The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, Has Violated my rights 15 U.S.C 1681 Section 602 States I have the right to Privacy 15 U.S.C 1681Section 604 A Section 2 : also states a consumer reporting agency can not furnish account without a my written instructions 15 U.S.C 1681 ( c ) ( a ) ( 5 ) Section States no consumer reporting agency Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumerto any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2023-08-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (OK)

I contacted Capital One Bank on XX/XX/23 because I had just gotten a direct deposit and needed the money. They let me take out {$1000.00} but refused to give me all my money. Because they were unable to verify a check that had been paid by my husbands bank. They also said it can take months to process this request. I just want my money and to never have to deal with them again.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

Recently I loocked at a copy of my credit report and noticed several inaccuracies on my account. this account is hurling my ability to obtain credit. it is my understanding that you will investigate these items for me to ensure accuracy. 
here is the item i am asking yoy to verify as accurate XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.