davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-17
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: GOLDMAN SACHS BANK USA (NH)

I applied for an Apple Card during a promotional period. The promotion was sent to me via email stating that if you open an account by XX/XX/year> and spend {$1000.00} or more within the first 90 days you would get {$150.00}. 

Account was opened on XX/XX/year> The following is the correspondence with Apple. 

I spoke with XXXX Apple Card supervisor XX/XX/year> He stated it would take about 10 business days for a reply in form of text, email, or phone call Option to submit formal dispute Goldman Sachs Bank USA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Details First name, email, virtual card #, $ amount of error, description lack of redemption # XXXX XXXX XXXX XX/XX/year> Chatted with XXXX at apple support. She set me up with a return call @ XXXXXXXX XXXX. Est. XXXX returned the call. Connect to Apple Pay team. XXXX connected me with Goldman Sachs. XXXX says I need to provide more proof. Connected me with XXXX the supervisor. Sent screen shots of the promotion emailed to me as well as the spend that met the requirements. XXXX says that I am not eligible because I opened the account on the XXXX of XXXX not on the XXXX. Even though the email clearly states the account must be opened by XX/XX/year>. 

XX/XX/year> XXXX @ Apple support. Has to reach out directly to Apple Card. XXXX ( Apple Card specialist ). XXXXXXXX is elevating the issue to a tier 2. I explained what happened with XXXX and he agreed the explanation made no sense. XXXX. Ask for card services and then a supervisor. 

XX/XX/year> XXXX at apple support called and left a voicemail. 

XX/XX/year> Itzasar ( specialist ). She transferred me to a supervisor. XXXX. Resent the inquiry with a screenshot with the email address. Expect an update within next 5 - 10 business days. 

XX/XX/year> I received an email explaining the terms but not explaining why I have not received the {$150.00}.
Consumer complaint received 2024-07-17
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Avant Holding Company, Inc. (GA)

Received a notice from Avant that effective next month I will be getting charged an annual fee which breaks down to XXXX a month. APR will also increase. The only option to opt out of this fee is to inform them but they will close the account. 

I did not agree to these terms when I applied for and was approved for this credit card. How is it legal to go and change those terms after a customer has gotten the card and stipulate that the only way to opt out of these changes is to close the account? That sounds unfair and unethical to me.
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: World Acceptance Corporation (MS)

I am writing to formally address a matter concerning your company 's inaccurate reporting to credit bureaus, which violates my consumer rights under the Fair Credit Reporting Act ( FCRA ). It has come to my attention that [ World Finance Corporation ] has been erroneously re-aging my account on a monthly basis, thereby misleading credit agencies and adversely affecting my creditworthiness. 

This practice is not only legally questionable but also unjustifiable. Re-aging my account in such a manner is a direct violation of the FCRA, which mandates accurate and fair reporting of consumer credit information. Such actions can significantly impact my financial standing and reputation without justification.
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (IL)

Upon reviewing my credit reports, LexisNexis and XXXX are showing a Bankruptcy that was reported fraudulently on my credit reports ( XXXX, XXXX and XXXX ). Upon receiving a letter from the United States Bankruptcy Court, clearly stating that they do not provide any information to the credit bureaus, therefore, reporting this is from a third party intel, as well as without consent of the consumer making it fraudulent.
Consumer complaint received 2024-07-16
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings (PA)

THIS COMPANY FRAUDULENTLY ADDED AN UNKNOWN BALANCE TO MY CREDIT REPORT AND PUT IT IN COLLECTIONS. I DO NOT OWE THEM ANY DEBT. I DO NOT HAVE A SIGNED AGREEMENT OR CONTRACT TO MAKE PAYMENTS TO THEM. I HAVE NOT CONSENT TO ANYTHING FROM THIS UNKNOWN COMPANY.
Consumer complaint received 2024-07-16
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: ENOVA INTERNATIONAL, INC. (OR)

Advertising as a " line of credit '' where the interest is charged on the front end. For Example : borrow {$100.00} get {$96.00} then you pay back {$100.00}, to get your full usable balance back. I've been making payments to them for months and essentially half my payments are just disappearing into thin air. The last 3 months I've paid about {$900.00} but my available credit limit is only {$470.00}. Total balance owed is about {$2500.00} max limit about {$3000.00}. The total interest fee 's owed should only be about {$130.00} total even when the " line of credit '' is maxed out, and isn't supposed to be recurring for holding a balance. When I talked to an agent they just gave me the run around and I asked to send the contract and they haven't yet. They were claiming there's " a separate thing '', and the additional contract " may have never been signed ''. It seems like they are charging an almost 50 % recurring interest rate, based on the math. Otherwise I'd have almost double the available credit limit.
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-07-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

Plaintiff filed a Complaint for Money against Defendant on or about XX/XX/XXXX. The summons was served to an XXXX XXXX individual, XXXX XXXX on XX/XX/XXXX. See XXXX for XXXX XXXX. XXXX. Although, XXXX XXXX signed the summons on XX/XX/XXXX, I, XXXX XXXX never received notice of the documents filed at the XXXX XXXX XXXX. XX/XX/XXXX, Plaintiff filed its Motion for Default Judgment, and ultimately, the Motion was granted by the Court on or about XX/XX/XXXX. In recent, Plaintiff filed a Motion to Revive a Dormant Judgment and after being served on XXXX XXXX, I filed an answer with the court. See XXXX for XXXX XXXX. XXXX. A Revivor Hearing was held XX/XX/XXXX, and magistrate, XXXX XXXX, granted the Revivor Motion without reviewing any documentation. XX/XX/XXXX, I, XXXX XXXX filed a Civil Motion to Vacate and Dismiss Judgment and Plaintiff, Portfolio Recovery Associates has failed to respond to the court within the requested timeframe. 
The summons filed reflects incorrect information and I have filed an Affidavit in which I never was put on notice regarding the filing of this complaint. This complaint pertains to an account that was entered into a payment plan with Credit Advocates Law firm in XXXX and specified account/ debt has been satisfied. After 10 years, past the statute of limitations, Portfolio Recovery Associates LLC wants to pursue a Default Judgment that was served upon the incorrect individual. I have lived in the same home, same employment and have had the same bank account information yet after so many years, this " debt '' is not even reflected on my credit report. 
There is an open dispute with Portfolio Recovery Associates LLC and I have also requested documents from them on XX/XX/XXXX, and XX/XX/XXXX and as of today 's date, I have yet to receive any information. XX/XX/XXXX, I filed a Motion with the court to Vacate and Dismiss and Portfolio Recovery Associates LLC was to respond to said motion by XX/XX/XXXX and they have failed to respond to the court as well.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

Compromised XXXX XXXX XXXX Date found on dark web XX/XX/year> Additional info found with this breach Identity Information First Name : XXXX XXXX Name : XXXX  Last Name : XXXX Phone Number : ( XXXX ) XXXX Contact Information Address : XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX received this alert on my credit report. This person has access to my social security number. I do not know them.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

In XXXX of 2022 I pulled my Equifax credit report from Equifax and said no score and looked at my credit report and it had no accounts and another social security number on it and address and my old address. I disputed the information and sent my DL, social security number, XXXX, birth certificate, tax returns, utility bills and more to prove my social and address. The dispute came back asking me for proof of XXXX and XXXX which o already sent. I disputed again with sending all the same info and still came back again asking for proof. I just sent in again by uploading to their system of disputes and mailing the information but they will not update it. I would love to use another social security number and clear my credit but at this point it is showing XXXX XXXX XXXX XXXX with no credit. I would rather have my bad credit back then to not be able to confirmed my identity anywhere. Even going into places and showing proof of my identity because they cant verify with the credit reporting agencies XXXX cant get anything. I need this resolved ASAP! They said that they fixed it but when I apply for credit it is showing that there is no information on my credit report so they can't verify my identity which is a problem when applying for credit or a apartment or home or car loan. I don't understand why it is so hard to get my social back on my credit report and keep it there. I pull XXXX XXXX  and it shows a score but always says it is not updated because it can't pull my score so this is how I know they won't leave my social on there. If that is the case I need the XXXX to issue me a new social and transfer all of my credit information over to that number to fix this issue since EQUIFAX won't!
Consumer complaint received 2024-07-19
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

We have had problems with this account since we have had it!!!!!! They have been XXXX since my wife has had this account and have always problems. 
I have been put on her account numerous time as manager which allows me to make changes and disput bills. Every time I call in to do this they give me a hard time as well as my wife!!!! 
Today I talked a XXXX who refused to give me information on account and was rude and XXXX!!!! I also talked with his supervisor XXXX which was not no better. 
XXXX XX/XX/XXXX I called and talked with a lady do not have her name. 
This cocerning a charge for XXXX charge from XXXX for credit monitoring, we missed a payment in XX/XX/year> and late charge was XXXX equalls XXXX which should not be any charges. XXXX they charged us again XXXX late fee and refused to remove charges. 
There should have been no more charges account should be XXXX balance. 
I want fee of XXXX credit back to me and a check issued. 
We will no longer use this account. 
I have different accounts with Capitalone and they treat me different not they way they treat my wife because she is XXXX.
Consumer complaint received 2024-05-25
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: DISCOVER BANK (CA)

Discover is charging my account for fraudulent charges that were disputed from XXXX XXXX XXXX My balance went from XXXX something to XXXX something for what they said was reversal credits. I should not be charged anything reversal fraudulent charges Please look into this for me
Consumer complaint received 2024-06-30
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: EQUIFAX, INC. (CA)

Someone stole my identity over 5 years ago and I had and still have a active fraud alert on my report. That notifies the creditors to contact me before they issue any type of services or good. This company decided to overlook my alert and allow the suspect to purchase a vehicle using my personal information. I have sent this company over a substantial amount of information showing that I was and currently a victim of identity theft. They claim to have done an investigation and concluded that the account belongs to me. The time that the account was opened I was recovering from a major XXXX XXXX. I'm currently in the process of suing them as well for violation my FCRA legal consumer rights.
Consumer complaint received 2024-09-11
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (TX)

In XX/XX/year>, Dell Financial Services sold my account to Comenity Bank. When they did, they gave them the wrong information. As part of this transition, my old logins and payment portal were severed and my account number was changed. They had my wrong address on file, to a state and city and phone number I never lived in. They falsely believed I lived in New York and lived at a corporate building. This prevented me from making payments ( needed account number ) or verifying myself ( needed my phone number to match ). They prevented me from making payments or updating my information and charged me 5 late payments all of which reported to credit bureaus. After months of stressful dealings I was able to get a proper invoice mailed to me with my account information and have my account return to positive status but the company refuses to remove late payments CAUSED EXCLUSIVELY BY THEIR ACTIONS. In response to their failures and illegal activities they slashed my limit from {$5000.00} to {$3600.00}, and again to {$3400.00} once I made a payment because of a perpetual cycle where they lowered my credit score, then in response to having a lower credit score they now say I'm not eligible for the limit I was given.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Exeter Finance, LLC. (CA)

I turned in the vehicle. They got the car and sold it and they are still reporting the incorrect balance which is incorrect. I want to see how much they sold the vehicle for how much I paid and have the correct balance reporting to the credit bureaus.
Consumer complaint received 2024-09-09
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

XX/XX/year> Subject : Complaint Against Bank of America for Fair Credit Reporting Act Violations and Discrimination Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Bank of America for their violation of the Fair Credit Reporting Act ( FCRA ), discriminatory practices, and failure to provide required documentation. 

Account Details : * Bank : XXXX XXXX XXXX * Account Number : XXXX  * Type : XXXX XXXX XXXX XXXX : * FCRA Violations : Unfairly closed my secured credit card. 
Retained security deposit. 
Failed to provide Form 1099-C.

Discriminatory Practices : Disproportionately impacted XXXX XXXX  customers. 

I have attempted to resolve this matter directly with Bank of America, but they have failed to address my concerns. I believe their actions have caused significant financial harm to me. 
I am requesting that the CFPB investigate this matter and take appropriate action against Bank of America for their violations. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (CO)

Cardinal financial transfered servicing of my mortgage to XXXX  and only provided 2 weeks notice. They did not map over my autopay details and so now I am late. They did not send any emails even though I am a paperless customer. I only found out because I got an alert on my credit score. This is completely unacceptable and has caused harm to my credit score and likely a late fee but I can't even find out because there are no details online.
Consumer complaint received 2024-08-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I asked why the bank won't give me the money from the account that they froze since XXXX and they still haven't given it to me. I've called many times and I have come to the branch to try to fix the problem and give me my money back and they make me wait up to 2 hours or more. They call different departments and I leave the same way I arrived. No solution so far.
Consumer complaint received 2024-09-04
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

My name is XXXX XXXX, and a card in my name, attached to my Social Security Number was breached by Identity Theft, resulting in fraudulent charges and transactions causing fees and financial damages to me as the victimized consumer. Capital One, the violating Creditor, refused to close the card opened in XXXX XXXX  and allowed the transactions to continue after I alerted them of the fraud. They fraudulently reported this account to the Credit Bureaus and have destroyed my Consumer Profile and Credit worthiness. Capital One has violated my rights and Federal Law under the FCRA Regulations and Statutes. No proof or valid evidence has ever been provided to verify this fraudulent account and I never signed or authorized for this card and these fraudulent transactions. Therefore this fraudulent and now Charged-Off account with a total balance of {$1500.00} must be deleted from my Credit Report immediately. I intend to pursue to the fullest extent of Litigation in the Courts of Law against Capital One and any reporting agencies that fail to protect and correct my Consumer Report from fraudulent accounts.
Consumer complaint received 2024-09-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP (NJ)

US bank business checking account was promoted with {$800.00} account opening bonus if account holder bring in $ XXXX on ( or before ) the XXXX day of account opening, and hold the XXXX until XXXX day of account opening, XXXX XXXX XXXX. According to the terms of promotion, the {$800.00} bonus should be paid " within 30 days following the last calendar day of the month you complete all of the offer requirements ''. 

I opened US bank business ( silver package, account # XXXX, routing # XXXX ) on XX/XX/XXXX ( received account opening email on XX/XX/XXXX XXXX pm ), brought balance to XXXX on XX/XX/XXXX, withdraw part of the XXXX on XX/XX/XXXX. The bonus should be paid by end of XX/XX/XXXX according to the term. I have not received the {$800.00} bonus. 

I have called US Bank 5 times since start of XX/XX/XXXX, I was told my account opening day was XX/XX/XXXX, and I did not hold the XXXX on the XXXX day of account opening. I was told a ticket was submitted to the back end to investigate when my account was opened, subsequent call did not get the result of ticket.
Consumer complaint received 2024-06-21
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. (FL)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-16
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: CARRINGTON MORTGAGE SERVICES, LLC (TX)

Starting in XXXX Texas experienced catastrophic storms lasting through the month of XXXX. Hurricane Baryl hit XX/XX/XXXX. Both were declared natural disasters and mortgage payments paused. I also have XXXX claims against both. 
The last payment I made to my mortgage was XXXX. 

The original mortgage company, XXXX Mortgage, sold my loan to XXXX Mortgage debt collector. 

I understand the payments are still due but are paused due to situations out of my control. I promise I didnt want a hole in my roof. 

XXXX Mortgage is now harassing me with weekly bill updates. When I called and spoke with them I advised my original lender, XXXX, was going to put the months at the end of the loan. XXXX Mortgage advised they can not promise the underwriter will do that. They advised I need to pay whatever I can now and if possible all when the XX/XX/year> deadline comes. 

I am still currently not working due to storm and am on XXXX. I work from home for a XXXX  XXXX and there is no way for me to do my job at the level expected. Not only am I living but would also be working in a disaster area. 
I will need the forbearance extended passed XX/XX/year>. 

If I can not afford to pay my monthly payment ( XXXX XXXX before taxes a week ) how am I possibly going to be able to pay all months at once? 

I am already scared and freaking out about everything else. Now XXXX is acting like I am purposely skipping on my payments when I had no control. They are causing extreme distress only exacerbating my XXXX XXXX. 
They are VERY predatory especially for a FHA loan