davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-05
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (TX)

I was given an offer to open a Securities Account/Card Member with American Express by providing a Financial Asset/Application for securing Deposit into my open-ended account. I made application 7 times and was denied access to my credits/cards every time. Not only is illegal for American Express to discriminate against me at any time during this process, but it is also illegal to deny me access to my Securities and Credits. I gave American Express 6 securities that the company sells for financial gain and benefits from for years and when I contacted the Company and its various Departments/Partners they have agreements with, I was not provided with help or direction in anyway. I also requested reconsideration on my applications and was denied. I demanded access to my credits and was denied. When i put the company on notice of its violations I was ignored. When I sent notice of Default I was ignored. All in all, I included at least 15 Executives and attempted to resolve the issue 5 times. The Prospectus, and Form XXXX and other SEC filings for American Express Company/American Express Credit Corporation/American Express Credit Account Master Trust/American Express Receivables Financing Corporation/American Express Travel Related Services Company Inc/American Express National Bank/ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX clearly shows they accepted my applications as Receivables and securitized them and sold them. It also shows that my applications were used to secure Deposit into my account. I notified the Company that I was retracting me applications and revoking the security interest I gave them, and I got a letter saying ''Unfortunately we aren't able to retract your applications ''. Thats because they've sold them, although their prospectus says they a specific agreement with the Securities Exchange Commission, used them to secure the deposit of my credits that they are denying me access too. So, we have Discrimination, Theft of Securities, Securities Fraud, Knowingly and Intentionally misleading, Failure to Act, Breach of Fiduciary Duties, as well as numerous other Violations.
Consumer complaint received 2023-05-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I attempted to open a checking account with XXXX XXXX and I was denied because of the information in XXXX XXXX I requested and received my early warning report and saw that Bank of America has reported that they closed a checking account I had with Bank of America on XX/XX/ due to checking account fraud which is NOT TRUE. I had a check that was given to me that bounced. That was it! Checks bounce in accounts everyday! It is not CHECKING ACCOUNT FRAUD. I am tempted to sue them for defamation of character. 

Bank of America has always been a shady bank as seen by the many issues that customers have had with their accounts with Bank of America, for example, XXXX XXXX XXXX And as a XXXX woman for Bank of America to do this is XXXX. They know that there wasn't any checking account fraud! 

I want this completely removed from my XXXX XXXX  account.
Consumer complaint received 2023-11-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (NC)

VENMO has restricted my account saying there was suspicious activity on my account and not telling me what that activity was. Its been over a week and I need the funds to pay bills. I am know getting late fees and they still have not allowed me access to my money.
Consumer complaint received 2023-03-20
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Resurgent Capital Services L.P. (IA)

I have contacted them repeatedly trying to get a copy of my wet signature on a document saying that I signed up for these accounts!! Theyre about seven accounts and I dont owe any of them!! I have sent a cease-and-desist letter by certified mail because they repeatedly called me and told me they were going to take me to jail or that Im a piece of XXXX because I dont pay my bills!! Pursuant to 18 usc 8, I owe no debt, this company is violating my consumer right to privacy pursuant to 15 usc 1681 b 2 company has also No permission to report anything using my info pursuant to 15 usc 1681 4
Consumer complaint received 2018-10-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BB&T CORPORATION (MS)

Logged in to mobile app to make my XXXX payment on my XXXX XXXX XXXX to find what XXXX XXXX says is a past due of over {$800.00}. I immediately called them and was told the amount was correct. The customer service rep stated that no payment was made in the month of XXXX. I told her I watch the account carefully and I know the payment was made on time. I told her I would go home and look at my records and call back. By the time I got off work and called them back, they were closed. I called repeatedly today to speak with someone but could never get anyone on the phone until I input incorrect information so I could speak to an agent. I finally was able to speak with XXXX at XXXX on XX/XX/XXXX. XXXX informed me that my XXXX payment was returned. I advised XXXX that this is not what showed online. The payment shows successful as well as cleared at my bank on XX/XX/XXXX for XXXX. I made the payment on XX/XX/XXXX for XXXX with a confirmation # of XXXX. I also went on the tell the agent that I made 3 payments in XX/XX/XXXX : payment of XXXX confirmation # XXXX ( XXXX payment ) XXXX : payment of XXXX confirmation of # XXXX ( XXXX payment ) XXXX : payment of XXXX confirmation # XXXX ( XXXX payment ) Then I just made the XXXX payment on XX/XX/XXXX. So the account is not past due and should not be reported as a late payment. XXXX uses deceptive practices and makes it hard for consumers to keep up with payments. This keeps consumers with low credit scores in the market for these subprime loans.
Consumer complaint received 2024-02-04
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: CAPITAL ONE FINANCIAL CORPORATION (MN)

My XXXX XXXX XXXX was flying home from the airport in XXXX Minnesota. I thought she was checking her luggage so I paid to have it checked for the flight. Immediately after she said she didn't want it checked and was carrying it on as that's free. The service lady went in back and got the luggage and gave it back to her to carry on. Then the service lady couldn't figure out how to credit my card back so she told me to call an XXXX number and it would be fine. Well, the XXXX number refused to do anything about it so I disputed the charge with my card company Capital one. Capital one allowed the charge because the airport sent a copy of the initial charge going through. I explained all that happened to Capital one but this seems to be a trend lately. The card companies know charges are fraudulent but leave them owed to the customer because they don't accept the customers side of things. My mother and girlfriend both witnessed this happen and it should be on camera as they have cameras there at checkin.
Consumer complaint received 2018-10-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (IL)

I have contact this company as well as the bureau to properly validate this debt. They have yet to do so. I wrote a letteXX/XX/2018, XX/XX/2018 and they sent a letter stating it is my debt without proper validation or letter or contract bearing my signature. This debt or account was otherwise opened without my consent and needs to be removed. I do not owe this company. They also repeatedly call my phone.
Consumer complaint received 2024-02-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Rocket Mortgage, LLC (WA)

On XXXX XXXX I received an email from Rocket Mortgage that my payment for XXXX was past due. However I had paid my usual amount that I have been paying for the past 3 yrs on XX/XX/XXXX with a due date of the XXXX. So I was confused to see an email with the following information : " We still havent received your mortgage payment, and your loan is being referred to the default team. '' I logged into my Rocket Mortgage account and saw that {$270.00} was still owing for XXXX. Upon further review I noticed that my Tax and Insurance had increased and my payment was then increased. However, I never received any written notice of the increase. I immediately paid the {$270.00} as I didn't want to be in default as the email stated. A couple of days later I looked in my mail and found a statement showing I owed the {$270.00}, however no explanation as to why the increase. I also noticed that a late fee was part of the {$270.00} in the amount of {$130.00}. When I made my original payment I paid {$3500.00} which is about {$40.00} more than my original mortgage amount, which I've been paying for the past 3 yrs. With the new ( increased ) amount being {$3600.00} starting in XX/XX/2024. So I was late on {$130.00} and a late fee of {$130.00}... I was shocked! So I called and asked if they could waive the late fee or do something since I never received anything in writing that showed the new amount until after the mortgage was already late. 
Rocket Mortgage told me that they do offer a 1 time late fee waiver, but since I already paid the fee there is nothing they can do. That doesn't make any sense to me... so I asked for the issue be escalated. I then got a call from the escalation team on XXXX and they told me the same thing that since I paid the late fee there is nothing they can do. This is just doesn't make since! They threaten with default so you pay anything right away, but if you ask for the fee to be refunded they refuse! However, if I never paid the fee they would waive it ... .but at the same time say you are in default! I don't get it and find this to be very unfair practice. No written notice and nor refund on a fee that they would waive, but since you do the right thing and pay you are out of luck. XXXX
Consumer complaint received 2023-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc. (CA)

So on XX/XX/2023 I called the company at XXXX and I told them that I didnt have an account with them but it shows my credit report and all such.. They were asking me to verify all my regular information and I had to type my social in order for them to see if they can find my account but they couldnt so I got transferred to customer service and I told them my social and when it came to verifying my home address they said it doesnt match what was on file and Ive been living at my house for a couple years now. I said if they could do anything about it but they told me I have to go through transunion to fix it but they are saying information is correct but Ive never heard of this company before or opened a credit card account with them and its really affecting my credit score
Consumer complaint received 2023-04-24
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. (AZ)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, AZ XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX. XXXX - XX/XX/XXXX XXXX XXXX XXXX {$11000.00} XXXX XXXX XXXX XXXX {$8300.00} XX/XX/XXXX
Consumer complaint received 2023-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Velocity Portfolio Group (NC)

Checks prime investments is a debt collection service. How did this company open a trade line in consumers name. This is called fraudulent activity! 

If this was a collection it is to be reported as a collection. You can not open a trade line in a consumers name.
Consumer complaint received 2023-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

Prior to XX/XX/2023 I filled a dispute with Equifax about 2 accounts I have on my credit report. 
I requested that the account be removed because I have paid both accounts off in full satisfaction and I applied supporting documents that showed that I have satisfied my claim of the two said accounts. 
On XX/XX/2023 I filed another dispute submitting supporting documents in a PDF file on Equifax platform and was answered the next day. 
Equifax denied my request to remove both bad accounts off my credit report even though I had supporting documents stating I paid off my debt. 
This two accounts was for Department of Social Services and the Department of Social Services sent me notary letters statement showing I paid my debit off and Equifax denied my request to remove the account off my credit report. 
FAIR CREDIT REPORTING ACT/REGULATION V. Section 623 of the FCRA and Regulation V generally provide that a furnisher must not furnish inaccurate consumer information to a CRA, and that furnishers must investigate a consumer 's dispute that the furnished information is inaccurate or incomplete.
Consumer complaint received 2024-02-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (MD)

I opened a direct deposit checking account with Wells Fargo on XX/XX/2023 to obtain a promotion reward of {$320.00} which they offered after 90 business days. The other requirement was to receive a total of {$1000.00} of more in qualifying electronic deposits to the new checking account within 90 business days. The account shows a deposit of {$1100.00} 0n XX/XX/2023 within the XXXX business day required period. 
Wells Fargo has now refused to give me the {$320.00} promotion reward to me. 
Their argument is that the time period was NOT 'business ' days ... which is the normal time of business ... but the time period was total days. 
Further, I have been a mortgage customer of Wells Fargo for 19 years. They do not consider that I am a long-time, consistently paying customer when refusing to give me the promotion reward.
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Date : XX/XX/XXXX Amount : {$12000.00} I called TransUnion because I saw discrepancies on my credit report with Department of EducationXXXX there are a total of 11 accounts that I have with Department of Education/XXXX and all 11 accounts have discrepancies. 

These are the violations : 15 USC 6802 to 6805 Privacy Act of 1974 Family and Educational Privacy Act of 1974 15 USC 1681 ( b ) 16 CFR 313 16 CFR 313.7 ( f ) 15 USC 1692 Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and non-verbal per 15 USC 6802.
Consumer complaint received 2018-10-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: ZIONS BANCORPORATION (GA)

The very weekday after I filed my third ( or fourth ) complaint against Zion 's Bank N.A. ( " Zion '' ) for unethical " stacking '' practices and unethical discretionary " overdraft approval '' and related charges, has done it again. 

I repeat, I don't have overdraft facilities with the bank. Therefore, every time the bank approves a transaction when the account has insufficient funds, such approval is purely discretionary. 

Once again, Zion has demonstrated its bad faith by charging {$64.00} for two ( 2 ) transactions amounting to less than {$16.00}. Once again, Zion was not obligated to approve these transactions. 

I respectfully pray for reimbursement of {$64.00} in Overdraft Fees and for treble damages for Zion 's bad faith conduct amounting to {$190.00} resulting in a total demand for {$250.00}
Consumer complaint received 2024-01-31
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (ID)

On XXXX I placed and order with XXXX  and they advized me to make payment to their XXXX id XXXX then send them a screenshot of the payment. I did this on XXXX and it posted on my credit card on XXXX. On XXXXXXXX XXXX sent me an email that my payment was received and they would be shipping out my order that day. I have not received anything and have not been able to contact XXXX at all. I filed a complaint with Capital One and they keep telling me that XXXXXXXX XXXX XXXX  has done nothing wrong and it's all my fault. All contacts I've had with this company is with XXXX and not XXXX but capital one is using the sales representitive as the way to deny me my monies. I placed the order and had all my emails about this come from XXXX not their XXXX id person. If you view all the documents that I have attached in this complaint you will see that all emails have come from XXXX not XXXX as Capital One will lead you to believe
Consumer complaint received 2023-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (WI)

On XXXX I got a notification from XXXX that I made a late payment on either XXXX XXXX cc or XXXX XXXX and lost XXXX. I was not late on either account. Even XXXX and XXXX did not report this. It's hurting my credit alot. Please remove this designation. You can see in attached forms Equifax I was late 2 months ago and other 5-6 yrs.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TOYOTA MOTOR CREDIT CORPORATION (NJ)

Toyota motor credit fraudulent activity with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Nj XXXX ( XXXX ) XXXX. I didnt authorize XXXX XXXX salesperson to use my stolen NJ drivers license XXXX and my stolen SSA number XXXX in any contract inside the dealership. XXXX XXXX XXXX had stolen my drivers license in XX/XX/XXXX. I didnt have any physical drivers license in my possession to obtain any car or a job in XXXX. How can I get a car without a driver license? XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, Nj XXXX ( XXXX ) XXXX is whom I went in person to report XXXX XXXX XXXX to in XXXX. Also FBI XXXX XXXX XXXX, XXXX XXXX XXXX, Pa XXXX was made aware in person in XXXX. They are outside and has this XXXX XXXX wiretapped since XXXX this second XX/XX/XXXX at XXXX am. ( XXXX ) XXXX contact them about XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX or XXXX XXXX police dept XXXX XXXX XXXX or XXXX XXXX, XXXX has this case contact XXXX XXXX XXXX, XXXX XXXX, Nj XXXX ( XXXX ) XXXX. I was told she has my drivers license in her possession since XXXX XXXX XX/XX/XXXX, per the FBI office XXXX XXXX.
Consumer complaint received 2024-01-29
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Healthcare Finance Direct LLC. (NY)

I financed teeth aligners with XXXX XXXX XXXX in XX/XX/2023. The payment processor is Healthcare Finance Direct LLC ( HFD ). 

Since then XXXX XXXX XXXX has filed for bankruptcy and ceased its operations including access to its services which I financed in the first place. 

The contract attached clearly says that the finance amount is payable in exchange for the services provided by XXXX XXXX XXXX. However, XXXX XXXX XXXX has violated its contract by ceasing to provide services. 

HFD is continuing to harass me with demand for payments due and despite I having told them via email that XXXX XXXX XXXX is in violation of its contract and therefore, I can't pay for services I haven't received ( also attached ). 

HFD has informed me that they will start collection services against the payment due and will report to the credit bureaus. 

I request that CFPB take appropriate action against HFD so that they can stop harassing thousands of consumbers in similar situation.
Consumer complaint received 2018-10-25
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. (WA)

Companies- XXXX XXXX XXXX XXXX . Account. XXXX. Line of credit for {$5000.00}. Since XX/XX/XXXX. 
XXXX  has not showed any proof of any type of investigation that I was late in the years of :XX/XX/XXXX-XX/XX/XXXX-XX/XX/XXXX. They will not investigate this issue. I have constantly have asked them and the 3 major bureaus to send me proof of documentation stating lates on any accounts I have with them. They will not answer. Please help CFPB