davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-27
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I'm looking for certificate of deposit information from XXXX XXXX. It was an account in my name as minor and my father as natural guardian. The issue date was XX/XX/97. I'm aware that XXXXXXXX XXXX closed and was bought by Nations bank who then merged with bank of america. I need to find out what happened to the money in that account. I do have the cd reciept as well as account numbers. Thank you.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NJ)

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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-01-03
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

Since XX/XX/XXXX I have been going back and forth with capital one and XXXX about a missing account that was affecting my account and hindering my life. 
There is inaccurate and missing information on my credit report but ONLY with XXXX. I have a capital one credit card with a limit of {$6700.00} since 2017 and it is not being accounted for on my account which is affecting my score and my credit utilization percent drastically. I have notified both of them and both companies have been telling me different things and putting the blame on one another. They told me they are reporting my information to every credit bureau and it is not a fraud account. I was told to write a letter and provide information to proof I was who I was multiple times and even when disputed they have stated that my issue has been resolved but the issue is still not resolved. I was then told today, XX/XX/XXXX by XXXX that there is nothing that they can do that this is a capital one issue even though I have a written letter from capital one stating they are reporting to all three credit bureaus.
Consumer complaint received 2024-01-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: AMERICAN EXPRESS COMPANY (NY)

On XX/XX/XXXX I attempted to open a American Express Business Checking account. I was responding to an offer that was sent to me via social media. American Express put my application into review status and then asked me to submit additional documents. I sent the documents and then received a letter in the mail several days later. I contacted the number on the paper and the agent for American Express told me to apply again. I reapplied on XX/XX/XXXX. I was again asked to submit additional documents, which i submitted within the required time provided in the letter. I received an email on XX/XX/XXXX that says " unfortunately we could not open your account '' I believe American Express is discriminating against me in a retaliatory manner because of previous complaints filed with the FTC and CFPB. I believe that American Express is violating the law by not opening my account.
Consumer complaint received 2024-05-08
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 (NJ)

On XX/XX/year> I was online looking at XXXX XXXX XXXX XXXX. I happened upon a website that sold them and I was trying to discover the cost of them because none was listed, the next step was to provide my credit card number. I thought that I would be brought to a checkout that I could decline if needed. I was never brought to a checkout and thought that nothing even went through since I received no email or any other information as to an order proceeding. I got a notification from capital one to approve the charge and I said no because my card was charged without my permission. I called the next day and was told that since I provided my number it would proceed and to call the merchant. I saw the charge of {$230.00} and {$79.00} and called the merchant on XX/XX/year> because I had not verified anything and I had never seen the cost. I was told the order could not be cancelled and could not be returned. I said there was no order because I authorized nothing and in fact, would not have authorized that purchase. This was when I filed a dispute with Capital One. In the coming weeks I did receive items and did not open them and would be happy to send them back. 

The charge showed from a place called XXXX XXXX XXXX which I cant even locate online and the number that capital one provided for me doesnt even identify themselves. Clearly a legitimate company doesnt require a credit card to just view the items cost and then processing it without authorization. I think that Capital One did not protect me when I knew it was an unauthorized charge. They only heard the part that it wasnt a purchase from a stolen card but that didnt mean that it was not used fraudulently. I asked for a new card because in my research I saw other complaints that they will also sign you up for a subscription and that request was granted. Capital one said they closed out my dispute because I did not send any documentation and I responded that I have none, no email, no packing slip, nothing that identifies this order and that I authorized it. They have not responded. I think that this situation required further investigation into my complaint since it had extenuating circumstances and should not have been dismissed. If only they had denied the charge as I requested nothing further could have happened.
Consumer complaint received 2023-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Incorrect address appeared in my report PLEASE REMOVE ASAP. 
Address for XXXX XXXX XXXX XXXX, XXXX XXXX XXXX i have never lived at address Names that should not be on my report. 
DIVORCED IN 2005 REMOVE ALL WITH LAST NAME : XXXX
Consumer complaint received 2024-01-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO Bank, N.A. (IN)

BMO stated I need a hold harmless to release my funds, I provided documentation multiple times proving that my funds were legitimate. There is no reason that I am suffering to regain control of my funds in this manner. Im attaching multiple images from XXXX stating that BMO Harris is responsible for reaching out to them from a financial institutional stand point regarding a hold harmless letter. I have reached out to the Federal Bureau multiple times about this situation at this point I feel as though BMO HARRIS is asking for something they know I wont be able to receive, just to confiscate my money. I am a business owner this has impacted my business in multiple ways, I am now homeless due to the incompetence of this situation and lack of asking for more documentation. There is no reason my money should be going to uncollected claims when I showed proof of the check from XXXXXXXX XXXX and I also attached a letter of XXXX XXXX stating BMO HARRIS would have to ask for a hold harmless letter from XXXX XXXX and not me as a individual.
Consumer complaint received 2024-05-08
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: FORD MOTOR CREDIT CO. (CA)

Ford Motor Credit is reporting account which is been closed XXXX years ago, until now they reporting as a active account and also late payment at XXXX, want to mention that I have original document from Ford Motor Credit and there is clearly showing when the account is been opened and when is been closed. Date Account Closed : XX/XX/XXXX Account Status : Paid/Closed Account/XXXX  Balance. Requesting Immediate deletion of the late payment or account completely. Want to mention that account is dropped my score over XXXX points and this is can not be stay in my report.
Consumer complaint received 2024-01-03
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Betterment LLC (TX)

On or around XX/XX/2023, I was locked out of Betterment account with no access to funds. My husband, XXXX, called on or around XX/XX/2023 with myself on the line to have the account unlocked, we were informed the account was under investigation and is locked, there was no one else we could speak with and nothing the gentleman could do. I called again on XX/XX/2023 to inform the accountant I was the main account holder and inquired the reasoning for the investigation, after a brief hold again I was told this would be sent to a XXXX  XXXX XXXX  and I would receive an email in XXXX business days. On XX/XX/2023, XXXX business days later, I have not received and email nor has the account been unlocked. I called again before emailing this ( XX/XX/2023 ) to have the account unlocked, ascertain the reason for the investigation and access my funds. I was given the same answer, they would reach out to a XXXX  XXXX XXXX  and I would receive and email in XXXX business days. I am requesting assistance and exposure to this issue regarding Betterment business practices.
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

Capital One- account was charged off and closed in XXXX as bad debt. Requested 1099-C, company still trying to collect after charge off. Reported payments incorrectly. For example, Last payment reported to XXXX on XX/XX/XXXX, but reported to XXXX with the date of XX/XX/XXXX. Also, per the GLBA, consumers must be given the opportunity to opt out of having their personal information shared with nonaffiliated third parties. The failure of Capital One to provide this notice compromises my rights and exposes my personal information in a manner that I do not consent. 

er the GLBA, consumers must be given the opportunity to opt out of having their personal information shared with nonaffiliated third parties. The failure of Capital One to provide this notice compromises my rights and exposes my personal information in a manner that I do not consent. 

XXXX XXXX account was charged off. Requested 1099, company still trying to collect after charge off. Disputes with company for fraudulent reporting, company did not attempt to fix issue they just reported that an update was made to the credit reporting agencies. Also requested that per GLBA, to removed the account from my reports as they did not provide an opportunity to opt out.
Consumer complaint received 2023-10-11
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: EQUIFAX, INC. (MA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2024-05-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: HUNTINGTON NATIONAL BANK, THE (MI)

I went to Hungington Bank in XXXX XXXX Michigan to open an account. Originally they opened the account with a {$100.00} depoist. A week later I got a letter and a call stating that I could not open an account. No explanation was given.
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

My name is XXXX XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Inaccurate Names : 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 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
Consumer complaint received 2024-02-16
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (GA)

Genesis Credit Management Representing ( XXXX XXXX XXXXXXXX XXXX, original creditor ). 
Open Date - XX/XX/XXXX. 
Collection Amount {$8700.00} This is Fraudulent Charge/Account. 
I Have Never Lived At This Property.
Consumer complaint received 2024-05-08
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 (TN)

It has been brought to my attention that the there are some fraudulent inquiries on my report that are not authorized by the following companies. 

ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX DATE : XXXX ACCOUNT NAME : XXXX XXXX XXXX INQUIRY XXXX ACCOUNT NAME : XXXX XXXX INQUIRY DATE : XXXX ACCOUNT NAME : XXXX XXXX XXXX  INQUIRY DATEXXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. In addition, I did not give the three credit reporting agencies permission to furnish this information onto my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity and is also serious breach of my privacy rights.

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature showing that I gave you permission to furnish any information on my behalf.

In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my social security number.

The companies involved have not been able to produce the contract and a complete investigation as per the Fair Credit Reporting Act section 611.
Consumer complaint received 2024-05-08
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (KY)

I got the XXXX credit card I only spent XXXX dollars when I got the card in store. They mailed it to the wrong address to start with I asked the card be canceled and billing information sent to me. I still have not received anything from the company. And now they say I owe over XXXX on a card that had an original XXXX limit I already have XXXX missed calls from them today and it XXXX they usually call me every XXXX mins from different phone numbers. I have asked them to stop calling me and harrasssing me have explained to them that I tried to pay it and no one has sent me the information to be able to pay it I never received a pshyical card. Now my health has taken a turn for the worse and XXXX cant work I have XXXX XXXX and XXXX problems that has made it hard to live daily life with out assistance. And this company is charging me for money I do not owe and harassing me a lot. What they are doing is not right and completely unfair.
Consumer complaint received 2024-05-08
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CA)

Commenity represents AAA Financial collecting their monthly payments. 
When the transition between these institutions was completed ( XXXX ago ) ; Commenity did not properly transition, notify or send information regarding payments due as the new representatives; seeing the confusion I attempted to pay over the phone. There was no station/agent available to accept my call through the documentation holder ( AAA ). 
I was charged late fees and noted for late notifications. 
Over the entire period since Commentiy has been the collector I have been charged additional late fees recovering some credit. 
Most recently, XXXX 's payment was levied a late fee {$27.00} when I sent a payment on XX/XX/year> for a due date of XX/XX/year>. XXXX XXXX XXXX XXXX to XXXX They posted the payment XXXX Since this transition occured Commenity has used preditory tactics on my account since they are not making the interest charges they contracted for.
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I'm trying again to let you know that I'm a victim of identity theft and that I want to challenge some records in my file that were not lawfully obtained. The records I'm looking at have nothing to do with any ownership of any products, services, or money being acquired by me or my authority. If no one was interested in learning the truth, remove from my credit report any information that appears to have resulted from an alleged extortion or scam. 
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
Consumer complaint received 2023-10-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: OLIPHANT FINANCIAL, LLC (AZ)

I have already contacted XXXX XXXX XXXX XXXX XXXX to advise them, this account they are trying to collect on was deemed as a fraudulent account with XXXX. A police and Identity theft report has already been filed. This account was removed from my credit and now this company bought a debt and trying to collect on fraudulent account. This account needs to be removed from my credit profile.
Consumer complaint received 2024-05-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Trident Asset Management, L.L.C. (OH)

I want to officially write a complaint against this company about the alleged debt as I believe they have violated the FDCPA. I never made a transaction with this company and I don't know about this debt that they are tryng to collect from me. I have previously requested for a debt validation documents but I have yet to recieve a proper response from them so I want to take this to your attention and please investigate because I honestly unaware of such debts. This company has an account number listed on my report as : XXXX
Consumer complaint received 2024-05-08
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (TX)

National Credit System - {$8800.00} XXXX {$8800.00} I sent out letters and the companies never sent back the proof I asked for. I have recordings from XXXX, XXXX, and XXXX representatives stating the information is incorrect and that the collections would be removed from my report on XX/XX/year> at XXXX PM. The representative stated that she was removing both accounts from my credit report. I have the recording on my XXXX of the representative stating they will be deleted, but the accounts were never removed. The agent didn't fulfill that promise and that is a direct violation of my consumers rights.
Consumer complaint received 2023-12-28
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. (GA)

I have attempted several times to get this company to comply with ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; They are refusing to lawfully comply which is also a violation of The Privacy Act of 1974, as amended, 5 U.S.C. 552a, which establishes a code of fair information practices that governs the collection, maintenance, use, and dissemination of information about individuals that is maintained in systems of records by federal agencies. A system of records is a group of records under the control of an agency from which information is retrieved by the name of the individual or by some identifier assigned to the individual. 

The Privacy Act requires that agencies give the public notice of their systems of records by publication in the Federal Register. Click here to see a list of DOJ systems of records and their Federal Register citations. The Privacy Act prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual unless the disclosure is pursuant to XXXX of XXXX statutory exceptions. The Act also provides individuals with a means by which to seek access to and amendment of their records and sets forth various agency record-keeping requirements. 
15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.16 CFR 313.7 - Form of opt-out notice to consumers ; opt-out methods. ( f ) Continuing right to opt-out. A consumer may exercise the right to opt-out at any time. They are also in violation of my copyrighted name and are now committing identity theft by me opting out and not having my express written consent and authourization.