davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-04
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BBVA FINANCIAL CORPORATION (NY)

Simple Bank itself is a great idea, the execution and customer service however is far from it. Not only am I unable to use my funds in any sense ( purchase something with my card, ATM withdrawal, transfer funds, etc. ) but they closed my account without any consent or communication to me. Now the only form of contact I have is over the phone and every time I call they hang up on me saying that 'I do n't have support ' and then the call ends. 

It has been months and I still have not received any of my funds. This bank should not only be shut down, but sued. 

Never been more dissatisfied in my entire life.
Consumer complaint received 2016-12-31
Product: Credit card — 
Issue: Application processing delay — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have been sent several preapproved status card offers from Capital One. So, I finally submitted the application online with their reservation number provided. They sent me a letter claiming they tried to contact me but were unable. That is not true. They never attempted to contact me. I sent them legible copies of my identity, utility bills for my current address, and my current phone number. I never heard from them again. I want their hard credit inquiry off of my credit file if they are n't going to actually look at my identity or actually contact me.
Consumer complaint received 2022-06-22
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AMERICAN EXPRESS COMPANY (CA)

I have been harassed, violated, lied to and a victim of fraud by American Express. I have tried and tried to get this matter handled and they have done nothing but deceive me. On or around XX/XX/XXXX, I sent American Express a third communication attempt via XXXX registered mail asking them to via debt on three business accounts which they were threatening to report on my consumer credit file. Not only did they not validate either of the three accounts still to this day. They sent me email correspondence saying that they wouldn't report the accounts to personal consumer report, and they would cease and desist with any further collection activity and communication. They lied. Today is now XX/XX/XXXX, and they have now been reporting these accounts to my consumer report for months damaging my consumer credit report and reputation. In doing this they have cased personal damage to me and have committed fraud against me along with countless other violations. Violating me as a consumer, an original creditor, and man of live flesh and blood. I have also sent them several other letters in connection with these accounts and have completed an administrative process. All correspondence has been sent to then XXXX registered mail with return receipt, showing they have received it. In commerce silence is agreeance and they are in dishonor. This is my last chance to get this rectify this issue before moving forward with a lawsuit. I am attaching several different communications between myself and American Express. ( All communication not provided ) Herer are some of the violations listed below. 
15 USC 78 ff 15 USC 1611 15 USC 1692 15 USC 1692 ( c ) 15 USC 1692 ( e ) 15 USC 1692 ( g ) 15 USC 1692 ( k ) 18 USC 242 18 USC 1001 18 USC 1002 18 USC 242 42 USC 1983 42 USC 1985 ( 1 ) 42 USC 1985 ( 2 ) 42 USC 1985 ( 3 ) 42 USC 1986
Consumer complaint received 2017-01-06
Product: Other financial service — Money order
Issue: Excessive fees — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (TX)

In XXXX, I purchased a {$60.00} MoneyGram money order. I set it aside and forgot about it until cleaning out some old files. When I took it back to the place of purchase in XXXX, I was told that they could not cash it since it was over a year old. The money order did not contain any expiration date on its face so I believe it is worth {$60.00}. 

I sent the money order to MoneyGram expecting a full refund. Instead, I was sent a {$6.00} refund check after exorbitant deductions were made for a {$18.00} processing fee and a {$36.00} service charge. Their refund check is a joke.
Consumer complaint received 2024-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

FTC Identity Theft Affidavit Example Text : I am filing this FTC Identity Theft Affidavit to report fraudulent account appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent inquiries have affected my life have resulted in several fraudulent hard inquiries and appearing on my consumer FICO credit report. XXXX XXXX XXXX {$9300.00} opened XXXX I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 
CFPB Complaint against Credit Reporting Agencies XXXX, TransUnion, XXXX What happened ( statement of pertinent facts ) : Consumer Name : XXXX XXXX Social Security Number : XXXX SSN ), Consumer Date of Birth : XXXXXXXX  Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent inquiries have resulted in several fraudulent inquiries appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned hard inquiries and account are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit hard inquiries are the result of identity theft and fraud. 
What would be a fair resolution to this issue? ( demand for relief ) : I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that XXXX, TransUnion, XXXX credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address XXXX XXXX
Consumer complaint received 2017-01-10
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

My XXXX Aunt went into your Capital One bank in XXXX, NY in XX/XX/XXXX. She had an IRA Annuity from XXXX that was issued in XX/XX/XXXX. She indicated that she wanted a fixed income for life. Instead of annuitizing her existing contract which was paying a higher annuitization rate due to the fact that it was an older contract issued when interest rates were relatively high, the Capital One agent, although the objective was current income, put on the financial profile that liquidity needs were low and she had a 9+ years time horizon. I do n't know of any XXXX with that kind of investment time horizon. Liquidity was paramount. On the Regulation 60 the reason for transfer was " need for Lifetime income ''. And they said " the reason the current contract could not meet the client objective : " it is a fixed annuity ''. In fact, the existing annuity could have provided a higher annuitized amount as it was an older contract, issued when interest rates were higher. A fixed annuity that was 11 years old could ( and should ) have been annuitized as it would have paid a higher rate of return. To make matters worse, as an IRA from which Required Minimum Distributions had to be taken, by using an immediate annuity, she is being forced to take much more than the required amount, therefore pushing her into a higher tax bracket and causing her Social Security to become taxable as a result. Nothing was done for the benefit of this woman. Because of their greed they put her in a very bad position financially. The only reason for exchanging the annuity was to put a commission in the pocket of the agent. This is taking advantage of Seniors at the least. At worst, it is FRAUD. The contract never should have been approved for sale under these circumstances.
Consumer complaint received 2016-09-28
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I have been receiving unsolicited credit card offers from Capital One for over a year. I have filed a complaint in XXXX, 2016 with FTC and wrote a letter to Capital One requesting them to stop sending my credit card offers. They have not stopped. This week alone ( XXXX ) I have received two letters from them containing credit card offers.
Consumer complaint received 2016-04-22
Product: Credit card — 
Issue: Payoff process — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

Capital One offered what is called " Choose it '' to help pay off a large purchase over time with no interest. I continued to pay off my " Balance Due '' every month only to find out my " Balance Due '' did not include the amount I had chosen to place in my " Choose it '' " bucket. '' ( I 'm using quotes because this is how the manager on the phone referred to these things. ) I do most of my banking on my mobile device. Therefore, I 've been paying my " balance due '' every month thinking I 've long paid off the " Choose it '' balance as well. No, they hide that balance still outstanding as " SpecialPurch '' under the interest charge calculation on the statement. Additionally, it is at the very bottom of the statement. NOWHERE on my mobile device can I get this additional balance due unless I bring up my PDF paper statement. I trusted the " balance due '' was indeed the WHOLE balance due and paid it off EVERY month. As I do pay my balance very month, I really should not have taken advantage of this " special offer, '' but I did and now I am sorry. 
My concern is n't as much for me, although it makes me very angry. My concern is for others who need a break with interest charges and might not pay off the balance every month. 
Additionally, I feel it is BAD PRACTICE for Capital One to not put SOMETHING, ANYTHING alongside the " Balance Due '' that states " You may wish to pay off this Special Purchase balance off, too so you do n't incur interest by this date. Therefore your actual balance due is $ XXXX. '' Thank you,
Consumer complaint received 2016-02-08
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

Capital One hid from me the fact I would lose XXXX airline miles when I cancelled my $ XXXX membership Capital One card ( to get double miles ). Three days later, I realized I had n't redeemed them and called. They were sorry but the account was closed. But, they could offer me {$1100.00} or XXXX equivalent points for hotels thru XXXX. I took the latter. However, upon redemption of my " points, '' identified on the card in dollar amounts I discovered any balance or remainder was forfeited or lost. Using a {$200.00} card, for example, if the charge was {$90.00}, I lost {$110.00}. The remainder was forfeited by Capital One/XXXX without my knowledge or agreement. 
These XXXX companies have attempted to defraud me of approximately {$600.00}. 
Fortunately, XXXX CC is aware of these companies. 
Fundamentally, the equivalent value is somewhat skewed. 
XXXX airline miles, taken from me without my knowledge, is worth much more than was was offered me by Capital One. 
They have defrauded me along with their partner, XXXX. 

To add insult to injury, XXXX, partnered with Capital One, have charged my credit card account for additional funds without my knowledge or approval. 
As soon as I notified my CC company, XXXX, they almost chuckled as they immediately agreed with me, fraud. 
No questions asked. 
Apparently these XXXX companies have a reputation for this sort of thing.
Consumer complaint received 2022-08-16
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: Experian Information Solutions Inc. (PA)

Experian and XXXX are reporting different dates one reporting closed date in XXXX XXXX the other report ing XXXX XXXX as well as fruad last payment date I want this I want this deleted
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (SC)

I am disputing inaccurate bankruptcy information that is still being reported on my credit reports by XXXX, Equifax, and XXXX. The incorrect information is as follows : Bankruptcy Filing Date : XX/XX/year> Bankruptcy Case Number : XXXX I have documentation from XXXX confirming that the bankruptcy information has been removed from their records, and I have also received a letter from the bankruptcy court stating that they do not report bankruptcies to credit bureaus. Despite submitting this information to the credit bureaus, they have failed to remove the inaccurate bankruptcy from my credit reports. 

This inaccurate information is negatively impacting my credit score and causing ongoing financial harm. I request that the CFPB investigate this matter and help facilitate the removal of the inaccurate bankruptcy from my credit reports with all three major bureaus.
Consumer complaint received 2016-11-10
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (KY)

I had a joint account with my son that was compromised by fraudulent activity. My son was a victim of identity theft and his account accrued unauthorized charges. A report was made to USAA to rectify the situation, but instead of providing us with outstanding customer service, we were treated like the CRIMINALS. I along with my son and his mom called into the customer service for USAA on several occasions and received horrible service. Each time we called in we were put on hold for hours at a time, passed along from person to person and department to department without anything ever being resolved. I have spoken to supervisors who promise to get back with me within 48 hours and I never hear from them, I am so frustrated with the poor excuse for leadership and customer service that USAA has. Since 2012 my account has been compromised 5 or 6 times and USAA has yet to resolve the issue. I have asked on several occasions to close out and reopen my accounts but they assure me that nothing is wrong. Now I 'm stuck with a {$400.00} bill for fraudulent charges that were n't properly investigated by USAA. There customer service is HORRIBLE!! VETERANS BE WARE!!
Consumer complaint received 2015-08-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ERC (CO)

This letter is being sent to you in response to the above reference account that Enhanced Recovery Company has reported and listed on all XXXX major credit reporting agencies ( XXXX, XXXX, and XXXX ). Please be advised that this is not a refusal to pay, but written notice sent in pursuant to the Fair Debt Collection Practices Act, 15USC 1692g Sec. 809 ( b ) that your claim is disputed and Validation is requested. 
This is not a request for " Verification '' or proof of my mailing address, but a request for " Validation '' made pursuant to the above named Title and section. I respectfully request that your offices provide me with competent evidence. 
Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any documents that show I agreed to pay what you say I owe ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; Provide me with your license numbers and Registered AgentAt this time I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, and XXXX ) this action might constitute Fraud under both federal and state laws. Due to this fact, if any negative mark is found on any of my credit reports by your company, or companies that you represent. I will not hesitate in bringing legal action against Enhanced Recovery Company for the following : Violation of the Fair Credit reporting Act Violation of the Fair Debt Collection Practices Act Defamation of character
Consumer complaint received 2015-11-25
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (OR)

We began a home mortgage application with USAA Federal Savings Bank on XXXX XXXX, 2015. We were speaking with XXXX XXXX ( NMLS ID XXXX ). After going through all of the information, we came to the point where we were going to lock in a rate. The rate she gave us was very good ( 3.625 % with 0.5 points ). There was another rate quoted with 3.875 % and 0.125 discount points, but we " LOCKED IN '' with the first rate. We even asked her if the rate was good because of our good credit. She said " yes. '' Two days later we got the written paper work, which had our correct interest rate, but now had 2.375 discount points! A cost difference of {$4800.00}! USAA says there is nothing they can do. The agent must have made a mistake. But, we feel they should honor the original rate or credit us {$4800.00}. Because of the rate we locked in, we did not shop around to other banks and we lost XXXX business days to do so. Meanwhile rates have increased. This is a bait and switch. It should be illegal. When I LOCK a rate, I should get the rate that I LOCKED. Not a different rate that I find out about 2 days later.
Consumer complaint received 2016-04-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Diversified Consultants, Inc. (LA)

I mailed a letter to Diversified Consultants on XX/XX/2016 requesting more information pertaining to an account on my credit report. I got no response. On XXXX XXXX, 2016 I mailed another letter certified requesting documentation and again and still to this day, I 've received nothing from them. I am unaware of this supposed debt they are reporting on my credit report and per FDCPA they are required to provide documentation in order to validate what it is they are reporting. They have ignored both of my request and they account needs to be removed.
Consumer complaint received 2016-08-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc. (CA)

I had informed the collection agency the alleged debt was in dispute with XXXX and not owed. Further, I told the agency that no adverse credit bureau reporting should occur until such time the dispute was either resolved or sent to arbitration for ruling. 
The credit agency responded by providing assurance they would speak with the creditor and contact me with a reply. I never heard back from the collection agency or creditor regarding my assertion the debt was not owed or my request for arbitration. The collection agency proceeded to place a negative account unpaid on my credit history with the credit bureaus. Since that time I have been in contact with the collection agency and conveyed demand they remove the negative account information immediately. I was told the account had neen sent back to the original creditor ( XXXX ) and Diversified would no longer be of assistance in the matter.
Consumer complaint received 2022-06-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bread Financial Holdings, Inc. (NY)

After falling behind with my Torrid - Comenity Bank, XXXX, XXXX XXXX, XXXX and XXXX  payments I made several arrangments to become current with my accounts. I scheduled a payment plan of {$100.00} monthly starting XXXX XXXX XXXX XXXX XXXX for Torrid, {$72.00} for Comenity Bank, {$100.00} Comenity Bank and {$110.00} on XX/XX/2022. Unforeseen circumstances prevented me from fulfilling my obligations. My discrepancy is the aforementioned attempted to collect the fees twice instead of the one time agree resulting in me spending hundreds of dollars in fees of charges I didnt authorize twice, only once but as you can see Ive been charged double on numerous occasions.
Consumer complaint received 2024-08-19
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. (CA)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE XXXX  DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # 273997 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information 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 consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-01-02
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I have XXXX personal loans with USAA Federal Savings Bank. XXXX of my loans I have had since XX/XX/XXXX. I have never missed a payment or have been late with a payment. On XX/XX/XXXX, USAA charged off my loan without any warning to me and for no specific reason. When I called USAA to discuss error they told me they 're able to charge off any loan they want at anytime. I did n't sign any contract for these terms. This has greatly effected my credit and USAA has even taken away certain features of their website from me because they claim I have an account unpaid through them. I have disputed this through XXXX and all they did was update status to say " never late '', but it still shows account charged off.