davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-22
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (FL)

The complainant XXXX XXXX respectfully addresses you because in the month of XX/XX/XXXX he received an offer for a credit card from Wells Fargo Bank for XXXX XXXX XXXX XXXX dollars. The complainant says that he has had an account with Wells Fargo for more than five years with a checking account and has good credit. The complainant thought that for those reasons the offer was easy and fast. The offer was " we are sending you a pre-approved credit card for {$7500.00} with XXXX interest and other things with a XXXX fee that looked very nice, it was only the payment of an annual fee of no more than {$200.00} per year and was at the discretion of the bank '' I called and asked if I had to go to a branch and read the contract in front of a banker and they told me no, just sign and that's it because I was selected by the bank for this promotion for being a good customer. The plaintiff says that he never received a notice by mail stating the terms and conditions and that he was carried away by the application and the phone call he made to the bank. Now two years later in the month of XX/XX/XXXX they charge me {$180.00} in interest. However, the complainant made the payment as usual, but with interest of {$180.00} per month. The complainant says that this was a deceptive practice combined with fraud. 
The plaintiff says that in the application they gave him the name XXXX XXXX XXXX and his name is XXXX XXXX XXXX XXXX and now they send him the terms and conditions and they say what he should say before applying.
Consumer complaint received 2024-06-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I deposited {$2600.00} at their atm located, XXXX XXXX XXXX, XXXX, TX XXXX, the atm returned {$100.00} saying it could not read the bill because it was an older {$100.00} bill. Then the atm says it will be keeping everything else. Then I go to the drive through lane and tell the capital one representative that the atm kept my {$2500.00} and returned the {$100.00} from the initial deposit of {$2600.00}. She makes the {$100.00} deposit to my business checking account for " XXXX XXXX '', account # XXXX, and tells me to call their claim department XXXX. I called the claim department and they gave me a claim #, case # XXXX, and tells me it will take 10 business days and can take up to 45 days. I asked them to expedite please and they can not. I deposited that money so that I can pay my bills today otherwise I will be assed over {$500.00} in fees.
Consumer complaint received 2024-08-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (AL)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-06-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

My Aunt which has be living with us passed away on XX/XX/year> and was the account owner I was on the checking account so I when to bank to closed I was told to submit a form and death certificate which I did and and have it notarized. 
I been checking to see if account was closed every month and was told if could take 3 to 6 to close? 
They been charging a service fee for the last four months. 
No spouse or children 's. 
We are they only family. 
The bank is Bank of America XXXX XXXX NJ XXXX
Consumer complaint received 2023-11-15
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. (IN)

In accordance with the fair credit reporting act XXXX  Account # XXXX 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 : its also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-06-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (FL)

I received a bill in the mail stating that I owe them money. I sent a letter via certified mail asking them to send me a copy of the contract that I have with them. Their response to me was a statement from a company called XXXX XXXX. Follow-up later states that they investigated and responded to my request already in XX/XX/year>. Again the only paper that I received was a statement, which is not sufficient.
Consumer complaint received 2024-06-26
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc (MI)

I signed a lease with the XXXX XXXX in XXXX, XXXX, which started in XXXX. Due to employment circumstances, I had to move back to XXXX. I informed the apartment complex, and they said I had to pay XXXX dollars to them in order to break the lease, as well as XXXXwo months rent. I had no problem with this, and paid the two months rent as the bills came. A bill or means of paying the XXXX dollar fee never came. I never had the opportunity to pay the XXXX dollars, until it went to a collections agency. So while I was informed I needed to pay the XXXX dollar fee to break the lease, I was never even given the opportunity too until the debt was sent to collections. I have received very limited correspondence.
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: Kikoff Inc. (NH)

You have failed to provide the following information as part of your investigation. 
Kikoff Account # : XXXX I expected a detailed response outlining the findings of this investigation, including the original written instructions from me ( Consumer ) with my wet signature. 
Additionally, I requested documentation, including the periodic statement and tracking number, to prove that each periodic statement was delivered to me at least 21 days before the payment due date, as mandated by 15 U.S. Code 1666b. 
This erroneous reporting has had significant adverse effects on my reputation, personal standing, and ability to secure credit for personal and housing needs. 
I am aware of my rights under the Fair Credit Reporting Act ( FCRA ) and expect full compliance with its provisions. Should you fail to delete the inaccurate information, I request that you provide the name and address of the person ( s ) whom you contacted to verify this disputed information. 
Failure to comply with this request constitutes a clear violation of federal law and has inflicted severe harm on my family and me. 
This letter serves as a final opportunity for Kikoff to rectify this issue by promptly deleting the erroneous account from my consumer reports.
Consumer complaint received 2024-06-26
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (NY)

I purchased an American express gift card at a XXXX for XXXX $ as a gift i checked the website and it stated the card is active and balance is XXXX $ when i attempted to purchase items from XXXX, XXXX and XXXX the error code stated the transaction was denied by the bank. 
I even attempted to add the card to my XXXX account and it still stated denied due to the bank. 
I contacted the American Express Gift card support number and was directed to a automated system which was no help as they did not give me a live representative and none of the options mentioned my issue. 
the card was purchased on XX/XX/year> and was attempted to be used on XX/XX/year> at around XXXX Est. 
None of the FAQ online on the Amex giftcard website were useful to my situation. 

I can provide card number and all details if needed.
Consumer complaint received 2024-06-26
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Avant Holding Company, Inc. (UT)

Hi. So I noticed that I've been paying for fees like cash advances that I don't use with my avant credit card. When I called to complain about this, I get the supervisor and all of a sudden their having technical issues and phones breaking up. When i call back it says their closed. I paid them a {$1000.00} and the balance showing is XXXX. When asked about this they won't give me a straight answer. When asked why I'm charged for cash advance fees when I don't use it they say they have to look into it. Then they place me on hold and the phone goes bad. I've been calling for 3 days now. I'm tired of being cheated and over charged. 

I noticed they were sued by the FTC for cheating consumers
Consumer complaint received 2024-08-23
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (CA)

I have tried to request credit with Multiple companies that are managed through the creditor is Citibank , N.A . 


Citibank Macys XXXX XXXX XXXX XXXX and they always Deny me. I have credit score over XXXX XXXX Score and I pay all my obligations. I have never filed Bankruptcy and have Been XXXX XXXX  for over 25 Plus year with Our XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. 
I have requested why they can't explain to me why they deny me and they never give a reason. 

XXXX XXXX
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Credit card usage account information from XXXX XXXX. 

XXXX XXXX -Last reported XX/XX/XXXX, XXXX Account is closed and shouldn't be listed under active credit card usage. 

XXXXLast reported XX/XX/XXXX, XXXX is closed and shouldn't be listed under active credit card usage. 


XXXX - XXXXLast reported XXXX XXXX, XXXX is closed and shouldn't be listed under active credit card usage. 

XXXXXXXX XXXX XXXX -- Last reported XXXX XXXX, XXXX transferred to XXXX Jewelers and shouldn't be listed under active credit card usage. 



XXXX XXXX - {$0.00} out of {$2200.00} -joint account with spouse and I was removed from the XXXX  XXXX showing on open credit usage and open. 


XXXX XXXX -- {$0.00} out of {$650.00} -joint account with spouse and I was removed from the XXXX XXXX showing on open credit usage and open. 


XXXX XXXX -- {$0.00} out of {$3800.00} -- joint account with spouse and I was removed from the XXXX, showing on open credit usage and open.
Consumer complaint received 2024-06-26
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (GA)

Has credit reporting from XXXX XXXX listed as 60-90 days late for every month on credit report. Showing as missed payments for every month during that time period. In XX/XX/XXXX, I entered into an extension agreement with them, and since then, they have reported the account as late or behind, showing that i have XXXX missed payments, when you can see in all of the payment transactions that payments were made to them every month since
Consumer complaint received 2024-06-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (MN)

I recently created a Venmo account and someone had paid me {$75.00} through Venmo. I added my card on there and tried to transfer the money on Venmo into my card. It kept giving me an error message, so I did some research and it hundreds if not thousands of people are having the same issue. Theres just money sitting in Venmo not able to be transferred anywhere. I contacted Venmo help, but all I got was a bot telling me to go look up solutions on their website which does nothing. Now I just have money collecting dust in my Venmo account.
Consumer complaint received 2024-06-26
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (GA)

Has credit reporting from XXXX XXXX listed as XXXX days late for every month on credit report. Showing as missed payments for every month during that time period. In XX/XX/XXXX, I entered into an extension agreement with them, and since then, they have reported the account as late or behind, showing that i have XXXX missed payments, when you can see in all of the payment transactions that payments were made to them every month since
Consumer complaint received 2023-09-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (CA)

LVNV FUNDING LLC XXXX XXXX LVNV FUNDING LLC XXXX XXXX LVNV FUNDING LLC XXXX XXXX Remove credit report ... My rights under 15 USC 1681b
Consumer complaint received 2024-05-31
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. (VA)

I see some items on my credit report that I dont know. It looks like someone might have stolen my identity because I didnt approve these accounts. Ive talked about this before, and now Im asking for these accounts to be taken off my report quickly. Having these accounts on my report is causing me stress. They dont show my real credit history or how I handle money, and its been hard dealing with this. If we cant fix this, Im ready to go to court to protect my rights and find a solution. These wrong items on my credit report are a big problem for me. Theyre stopping me from reaching important money goals, like buying a house and supporting my family. I hope we can fix this problem soon.
Consumer complaint received 2024-06-26
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Edge Home Finance Corporation (NM)

Broker has been extremely uncommunicative throughout the entire process. On numerous occasions the broker has gone silent on all communication avenues for multiple days in a row. This includes but is not limited to text calls and emails. 

Currently broker has not responded to any borrowers, realtors or title company in over a week. Last communication to borrowers was on XXXX XX/XX/XXXX starting the file went to underwriting for closing. Since then we have had one more extension with no closing date in sight. 

Broker insisted that a third person on our loan was the only way to ensure we closed on the property. We added a third borrower on XX/XX/XXXX and the broker claimed to have never received the signed disclosures on XX/XX/2024. We had to resign them and send again. 

Broker has failed to communicate with all parties involved about the closing process and has not followed through with any of their promises regarding the closing of this property. This has caused loss of time, funds and emotional distress. 

Insurance company has also attempted to reach out to broker on numerous occasions for loan information and has not received a single communication back from broker.
Consumer complaint received 2023-08-10
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (CA)

On XX/XX/23 I purchased a Vanilla Visa Gift Card at XXXX. I attempted to use the card on XX/XX/23 and upon opening the package I realized the third set of four numbers on the card were scratched off. Since I had an incomplete card I was unable to use it. I immediately contacted customer service to report the anomaly. They requested documentation to prove purchase. I submitted all documents via email on XX/XX/23 I was given ticket number XXXX and I was told it would take XXXX weeks to solve the issue and I would receive an email once it was solved. I had not heard from them so on XX/XX/23 I contacted them again and I was told it was still under investigation. I was told they will contact me once they had results, that I did not need to call them again. Which brings me to today XX/XX/23. I have yet to hear back from them and it has now been many weeks past the timeline I was given.
Consumer complaint received 2024-06-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (MS)

I have had several companies ran my credit and have left hard inquiries on my credit report none of which I authorities XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX CAPITAL ONE Inquiry : XX/XX/XXXXXXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX
Consumer complaint received 2019-10-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (NY)

This bank is crazy and unfair with me they are violating fcra laws they are rude to me tell me weve ended credit relationship this is so unfair in the past they would Close all my accounts out because of tok many now I cant have one this is not fair when they are harassing me sending me promotional emails to apply and earns miles and gas
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I urge you to promptly remove this late payment from my account, as it does not accurately reflect my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Please update my account promptly.
Consumer complaint received 2024-06-29
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (TX)

Synchrony bank closed our Amazon card without cause and did not notify us before closing it to give us an opportunity to fix the problem. 
1. I made a large payment of over {$3500.00} using our debit card. Then the same day the debit card had a fraudulent charge on it and the card was closed. 
2. As soon as I realized the closed debit card was not paying the {$3500.00} payment, I got on line and used another credit card to make the large payment. 
3. Then without notice, Synchrony closed our Amazon card I just paid off in full and fixed the card issue to pay the account with. They closed my Amazon card and took away all of the points I had too! 
4. This was completely uncalled for and wrong to do to us. We paid that card off ever month in full and our credit rating is at least XXXX ; so there just was no justification to do this.
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

I disputed inaccurate information on my credit report to Experian about Several Wrong addresses. I asked them several times to remove this inaccurate information on my credit report. 
Report Number XXXX My home address is XXXX XXXX XXXX XXXX XXXX Pennsylvania XXXX Best Regards, XXXX XXXX XXXX
Consumer complaint received 2018-04-02
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Freedom Mortgage Company (CO)

I contacted Freedom Mortgage in XXXX many times over the past 4 years about their faulty practices. In fact I have sued them before and they settled. I contacted them in XX/XX/XXXX about my home they wrongfully and neglectantly closed on. I have sent them the letter that they sent me stating that they were not legally able to foreclose on my home until XX/XX/XXXX, because it was protected under the SCRA. When I contacted them concerning the matter They failed to provide me with the requested information, but instead provided me with my name, the last 4 of my social, and the amount supposedly owed. They did in fact send me a falsified documents and documents were different from the original deed that I possess. 
Freedom Mortgage just needs to be shut down period. They are a thorn and a causes great harm to our veterans and other Americans who have worked hard to secure the American Dream. I truly do not see how the government allow companies like this to remain open and thrive, and also give them bailouts with taxpayers dollars. I have the SCRA paperwork they previously sent me and it has been forwarded to my attorney I have contacted them and asked them to remove the erroneous information from my account, but they refuse to do so. My next step is sending them a letter stating my intent to sue.