davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-29
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

When I applied for a Capital One Business credit card using my EIN on XX/XX/XXXX   I was denied with the reason being that Capital One could not verify my identification. However the hard inquiry instantly hit my credit profile before the company had even obtained my ssn. I had called into Capital One to ask them what documents were needed to additionally to my application, followed the directions and sent in the documents. I was denied on the XXXX of XXXX. After my second complaint I received a call from an executive who left a message and I have yet to personally talk with her but yet my case is closed.
Consumer complaint received 2024-03-15
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: ENCORE CAPITAL GROUP INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX ACCOUNT NUMBER : XXXX SUBJECT : NOTICE OF DISPUTE, DEBT VALIDATION AND DEMAND DOCUMENTATION DEAR MIDLAND CREDIT MANAGEMENT, I AM DISPUTING BOTH THE VALIDITY OF THE ALLEGED DEBT AND THE VALIDITY OF YOUR CLAIMS. PLEASE BE AWARE THAT INFORMATION I RECEIVE FROM YOU WILL BE COLLECTED AS EVIDENCE SHOULD ANY FURTHER ACTION BE NECESSARY. PLEASE ALSO BE ADVISED THAT NON-COMPLIANCE WITH MY DEMANDS COULD PUT YOUR COMPANY IN LEGAL TROUBLE. 

ACCORDING TO THE FAIR DEBT COLLECTION PRACTICES ACT ( FDCPA ), 15 USC 1692G, I HAVE THE RIGHT TO REQUEST VALIDATION OF THE ALLEGED DEBT OR COMPETENT EVIDENCE THAT BEARS MY SIGNATURE AND SHOWS I HAVE SOME CONTRACTUAL OBLIGATION TO PAY YOUR COMPANY. 

I HEREBY DEMAND THAT YOUR COMPANY PROVIDE ME UNDER PENALTIES OF PERJURY WITH THE FOLLOWING VERIFIED DOCUMENTARY EVIDENCE OF THE ALLEGED DEBT : 1. PLEASE PROVIDE A VERIFIED COPY BOTH FRONT AND BACK OF THE ALLEGED ORIGINAL CONTRACT / AGREEMENT / PROMISSORY NOTE IN ITS ENTIRETY, INCLUDING ANY APPLICATION, ACCOMPANIED BY A COMMERCIAL AFFIDAVIT, SWORN TO BE TRUE, CORRECT AND COMPLETE, UPON THE COMMERCIAL LIABILITY OF A PROPERTY IDENTIFIED AND AUTHORIZED OFFICER, EMPLOYEE OR AGENT OF THE ALLEGED CREDITOR WHO STATES THAT HE/SHE HAS PERSONAL FIRST-HAND KNOWLEDGE THAT SAID FRONT AND BACK VERIFIED COPY IS THAT OF THE ORIGINAL ALLEGED CONTRACT/ AGREEMENT/ PROMISSORY NOTE. 

2. THE AMOUNT OF THE ALLEGED DEBT ; 3. THE NAME OF THE CREDITOR TO WHOM THE DEBT IS OWED ; 4. THE NAME AND ADDRESS OF THE ORIGINAL CREDITOR.

PURSUANT TO 28 USC 1746, I HEREBY DECLARE UNDER PENALTIES OF PERJURY UNDER THE LAWS OF THE UNITED STATES OF AMERICA THAT THE FOREGOING IS TRUE AND CORRECT. 

EXECUTED ON : XX/XX/2024 BY : XXXX XXXX NOTIFICATION IS COMPLETE UPON RECEIPT.
Consumer complaint received 2023-11-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HSBC NORTH AMERICA HOLDINGS INC. (TX)

My son received a call from a company, XXXX XXXX XXXX ( phone XXXX ) on XX/XX/XXXX - a lady named XXXX XXXX claimed she had been trying to reach me in regards a civil suit in which my bank accounts would be frozen by XX/XX/XXXX if I didn't respond immediately. The case number referenced was XXXX. I called back and was transferred to a XXXX who informed me that it was for an HSBCXXXX XXXX XXXX  debt I owed in XXXX in the amount of {$20000.00}. I informed her I didn't owe any credit card debt or owned an HSBC account in XXXX. I did have a citi bank credit card at that time but it was paid off. The lady had details of my texas drivers license number and an old address- she claimed numerous letters were sent to my old address and they have decided to place a lien on my accounts by XX/XX/XXXX. I told her I was unaware of this debt and besides there was no delinquent information on my credit in which she stated it was no longer reported with the credit bureaus. She then proceeds to act empathetically towards my confusion and says she will request her boss to 'reinstate ' my debt to avoid the lien on my accounts. She asks what I am willing to pay ( because the debt was in my name and I was still liable for it ). I negotiated ( for a debt I didn't owe ). She said I would be receiving a document that I needed to XXXX and then make a one-time payment over the phone. That is when I decided to stop the discussions because I wasn't going to make any payments without receiving proof of debt, and I certainly was not going to give a stranger my card details over the phone. I am reporting this because I do not owe any credit card debt from HSBC but also most concerned that she had my details.
Consumer complaint received 2023-11-29
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: BMO Bank, N.A. (CA)

When I attempted to apply for an online account with BMO Alto I was denied. When I called there is no path forward, nothing to do. The email I received stated no reason but encouraged to apply again if there could have been a mistake. So the second time my husband applied as the account owner and me as the co-applicant. He was immediately approved and I received the invite to apply as co-applicant. As soon as I completed my application I was denied. No reason for the denial in the email received. So I spent over an hour on the phone this morning waiting for customer service and trying to get a path forward. They told me there must have been a mistake in my information, so we went over all of it and it is all correct. They told me my identity could not be verified and therefore I was denied. When I asked what I needed to look into to find where the misunderstanding is I was told there is nothing to be done and that they could not verify my identity therefore I could not have an account with their institution. As an employee of the Department of Defense, I know that my record is clear and there are no issues. Yet, they just stated I was denied and that my husband could manage the account and I could be a beneficiary. I responded that it wasn't acceptable for us and that we both needed access to our account as equals. Then I was told there was nothing they could do, therefore they basically have excluded me from their services despite the fact my record is pristine and my credit is stellar. Would like a resolution. If I can not be on the account we will not be transferring a XXXX into the institution.
Consumer complaint received 2023-11-29
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: SANTANDER HOLDINGS USA, INC. (FL)

I informed Chrysler Capital I XXXX XXXX XXXX around mid XXXX, I requested a deferment for my XXXX payment, which they granted. But, due to the nature of the XXXX ; I had to have XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX The XXXX was done in the second week of XXXX. I am currently in XXXX and remain XXXX, until a doctor signs off and gives me the clearance to return back to work. Chrysler Capital is well aware that I work on a XXXX XXXX Thats how I make my livelihood. Because the nature of my work and the layout of the XXXX and the conditions in which we operate ; it is not feasible for me to use crutches or a wheelchair. I called again nearing the end of XXXX to explain XXXX still currently in XXXX, that I would be unable to make the XXXX payment, if they could defer the payment. I was denied, due to being given one in XXXX. Im grateful for the XXXX deferment. However, Im still dealing with this medical issue, something of this seriousness doesnt go away or resolve itself overnight. I was denied because of my payment history which is a poor excuse ; because I have always made my payments on or before its due date, my payment history is current and is satisfactory. I spoke with a representative today ( XX/XX/ ) who even reiterated my payment history is impeccable, but, I was denied a deferment because of my payment history it doesnt make sense. I was given the option of a promise to pay in which I make a partial payment on my XXXX due date, fine, what else am I to do? What they dont understand is ; I have other financial obligations, more important than a car payment that I have to decide between. I expressed to them that if that be the case, I would voluntarily surrender my car, but they want to avoid that. They know that option would be more expensive on their end. I agreed to the partial payment, so it wouldnt stain my credit history and report. But, Im pushed into a corner. Its still going to be difficult to even fulfill that option. I feel Chrysler Capital disregards customer hardships, because they want their money. By any means necessary.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Elevate Recoveries, LLC (TX)

This debt engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didnt follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2023-11-29
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ERC (FL)

I spoke with ERC over a year ago and requested them to cease calls. I began getting calls again and on XX/XX/XXXX requested for them to cease calls. I told the rep I had ceased calls and told them mail only. He said I had not responded to the letters and that is why they were calling me. I again told him to cease calls. I just received another phone call from them XX/XX/XXXX.
Consumer complaint received 2023-06-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MoneyLion Inc. (NJ)

I have been trying to work with the company regarding this account being on my report that was opened fraudulently WITHOUT MY KNOWLEDGE OR CONSENT. I am a victim of identity theft! It has been over 45 days since I mailed a letter asking for proof of ownership showing my written signature and consent to open this account and NOTHING has been resolved nor sent back to me!!! Reporting Agencies can not furnish accounts WITHOUT my WRITTEN consent! Please block and remove these collections and accounts from my credit report, Pursuant to Section 605B of the Fair Credit Reporting Act, and send the required notifications to the furnishes of this information.
Consumer complaint received 2023-09-13
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: CBC Companies, Inc. (OH)

On XX/XX/2022 My credit was ran without my consent by : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX
Consumer complaint received 2017-03-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I recently refinanced my mortgage with Bank of America. They offered a XXXX Payment a year plan which I opted to participate in to help me due to the fact I have XXXX mortgages at this time due to a recent divorce. My first application for this program was XXXX XXXX and it was to take place XXXX XXXX for the first deduction from my bank account. My loan number with BofA is XXXX. This never happened as I was told it would. I reached back out to the bank and they told me I had to pay the loan in advance again and they would start it in XXXX on the XXXX and XXXX of that month. Again it did not happen. I again reached out to Bank of America and spoke to another person. Each one of these representatives indicated the application was recieved and they appologized but the same thing pursued. I had to pay the following months payment in advance and they would try again. So I have done this every month since XXXX and again after their one Representative and Supervisor XXXX XXXX XXXX assured me he would make sure it would not happen again but I would need to make the payment early and this would all happen in XXXX. Much to my surprise nothing was taken out of my account and I called XXXX back. He told me he also elevated this to his superiors and again nothing was set up. It was indicated to me several times it was due to representatives at the bank not following up on the request and their people failing to make sure this was implemented. I have been told 5 times that if I make the payment early they will get the payment program set up. I have had it with their failed commitments to implement and have elected to report them for false promises and failing on multiple occasions to set up a program I have been told would be set up. I want this set up once and for all. I 'm tired of all the games that are being played. I have been miss represented by this institution multiple times.
Consumer complaint received 2023-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

I have been trying to dispute this inconsistent off my Equifax report I have contacted these agency on several attempts and have been unsuccessful in results. I have contacted Equifax on this matter on XX/XX/23 and investigation was completed XX/XX/23. I launched a re-investigation XX/XX/23 and it was completed by XX/XX/23. 

>>> The information you disputed has been received. The results are : THESE ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE SEVEN YEARS FROM THE REPORTED DATE OF THE INQUIRY.
Consumer complaint received 2023-11-29
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA (UT)

This problem began when my original account was closed without notification when a Co-Owner ( my XXXX son ) obtained his own separate account. Ive attempted to reapply and obtain a new card at least six ( 6 ) times and been promised by at least three managers during a dozen separate support calls that I would be contacted back after they submitted an escalation. Ive never once received a callback addressing any of this. 

The system answer in every denial has been that my Identification can not be verified, which is total nonsense. The multiple photos of my Utah drivers license that have been submitted were clear and there is no way that all the different photos that Ive submitted were bad. It also ignores that I AM ALREADY A CUSTOMER, have had credit with you before, and HAVE AN ACTUAL BALANCE IN A LINKED SAVINGS ACCOUNT. 

There is obviously some glitch or other failure in your system or you are lying about the reason for denial. No person at Goldman Sachs Bank has been willing to take ownership of this problem, which I find to be indicative of a supervisory and management failure within the bank.
Consumer complaint received 2023-11-29
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Valentine and Kebartas, Inc. (CA)

I received an email from Valentine & Kerbartas, LLC, on XX/XX/2023, for someone else. This email included the person 's name, address, amount owed, creditor name, and account number. 

I am not the individual named in the email and I am concerned that they are sending me so much information relating to this person which is in violation of the debt collection related laws.
Consumer complaint received 2023-11-29
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: JPMORGAN CHASE & CO. (CA)

From the dates of XXXX XXXX XXXX, multiple fraudulent transactions were approved through my Credit card from an UNKNOWN foreign third party. These are obvious fraudulent transactions permitted by the credit card company despite no authorization provided from me in any way. The credit card company is refusing to provide proof that any authorization was given and refusing to refund these transactions. They are refusing to pursue communication with the scamming third party. They have failed to secure my credit and refusing to rectify the situation. The credit card company is CHASE bank. My account was secured with 2 factor authentication and my phone was never stolen or lost. Please help.
Consumer complaint received 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In accordance with the Fair Credit Reporting Act, the list of accounts provided below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 section. 

Account : XXXX XXXX XXXX XXXXXXXX Account : XXXX XXXX ( XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A : States my right to privacy as a consumer.

15 U.S.C 1681 section 602 A Section 2 : States that a consumer reporting agency may not furnish information about a consumer 's creditworthiness, credit standing, credit capacity, or other personal information to any third party unless the consumer has given prior written instructions as consent for such disclosure.

15 U.S.C 1681c ( a ) ( 5 ) : 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 7 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 if the person knows or has a reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-15
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)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 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 # XXXX XXXX  # XXXX XXXX XXXX XXXX # 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 : 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 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: HYUNDAI CAPITAL AMERICA (CA)

Ive noticed accounts on my consumer report as I was looking to purchase a home, Ive noticed so many fraudulent accounts that arent mine. 

Please if you can assist me on removing this inaccurate information from my consumer report.
Consumer complaint received 2017-03-24
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (MD)

I made a payment for my tuition on XXXX University 's payment portal ( on XX/XX/XXXX2017 ) for an amount of {$710.00}. The webpage had a technical glitch and cause my payment to be charged three times instead of only one. I disputed XXXX of the transactions with my credit card company and they gave me a temporary credit until the issue is resolved. I managed to resolve the issue with XXXX University in regards to the duplicate payments and they gave me a refund for the XXXX extra {$710.00} charges by sending me a check. I reached out back to my credit card company and requested the dispute to be removed and marked solved. The bank marked the XXXX disputed ( case numbers XXXX and XXXX ) as solved and posted a re-bill on my account to process those payments. After a month of going back and forth with XXXX University they claimed that they only received XXXX of the re-processed dispute amounts - so there is a {$710.00} outstanding. Chase has done nothing to help me locate where that payment is and XXXX University has over exhausted their resources trying to find the payment processed by Chase. The XXXX disputes were reprocessed on XXXX/XXXX/2017 with the following description on my credit card statement " REBILLXXXX UNIVERSITY ''. 

Please help me find where the second payment is and why it has not reached to XXXX University. There seems to be some sort of fraudulent activity taking place.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Consumer Adjustment Company Incorporated (FL)

On XX/XX/23 I received an alert on my XXXXXXXX XXXX  app about a collections account in the amount of {$3900.00}. I've never received any information from this company asking to verify/validate the debt that they assumed from another company. I've never even heard of this company till this alert. This has caused my credit score to drop tremendously.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (TX)

This debt engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didnt follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

This debt engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. More so they didnt follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA XXXX entitled to XXXX dollars per violation and clearly they violated my rights.