davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-18
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: Bread Financial Holdings, Inc. (MA)

Error by retail store caused Fee 's on credit account from XX/XX/XXXX thru XX/XX/XXXX. I was never notified about any fees or minimum balance due and company never reported late payment s from XXXX but when I made payment to close account in good standing they then reported one late payment for XX/XX/XXXX which is incorrect. I did not owe anything to this company and after I paid something that I did not owe they then report as late payment. this company comenity bank has committed fraud and falsely reported incorrect info to credit bureau and wont remove. They reported multiple times that this was an error and they did make some credits to account but when I request the account to be closed they retaliated by reporting to credit agencies.
Consumer complaint received 2023-03-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC (FL)

Radius global solutions continue to harass and contact about a credit card debt that was opened fraudulently as a result of identity theft. I have reached out to Radius Global solutions several times via phone and email to inform them that this credit card debt was the the result of identity theft and they continue to write me demanding that I pay this theft. 

I have attached proof of my attempt to communicate with them via email on XX/XX/XXXX, informing them of the identity theft and attached MY FTC report and my PII documents to that email.
Consumer complaint received 2020-06-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

I have received that capital one declined my previous request, which is still keeping the account that I did not open on the file. But I have a XXXX to prove that I am not in the United State from XXXX XX/XX/XXXX - XXXX XX/XX/XXXX. And capital one said that the account is opend online. So if the account is open online, how about the transaction? I believe all the truncations that they made is in the UNITED STATE. I am not in the United state, how am I suppose make any transaction in the state?? Once again, I can not use my phone during XXXX XXXX  training started from XXXX XX/XX/XXXX to XXXX XX/XX/XXXX. How am I suppose to make that payment in XX/XX/XXXX? I do not really get the points that capital one keep saying its not open fraudulently. I have prove that I am not here, so show me all the transactions that is on the account please. The website for XXXX is below : XXXX XXXX XXXXXXXX XXXX XXXX I will keep fight for my right.
Consumer complaint received 2024-04-09
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

After receiving a late payment notice via email today I tried to call Bank of America to clear up the issue but the associate hung up on me. 

* Issue : Bank of America ( credit card company ) has been assessing me late fees since XX/XX/XXXX for allegedly insufficient minimum payments, despite me making on-time payments. 
* Details : I've consistently made on-time payments, but the bank claims they were not the minimum required amount. The bank never notified me about the incorrect minimum payment amount or the outstanding balance until I received a past due notice via email today XX/XX/XXXX. The account is on auto-draft so payments are made automatically. 
* Request : Request a refund of all late fees imposed from XX/XX/XXXX to XX/XX/XXXX and correction of any late payment reporting to credit bureaus.
Consumer complaint received 2020-06-18
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Eastpoint Recovery Group, Inc (CA)

Received a voicemail from XXXX about a claim. Then they left my mother a voicemail as well. 

I called and spoke to XXXX XXXX 1 ) he never verified my address, social or date of birth, none of the 3 2 ) I told him he should not call my mothers cell phone, not sure where they got her number from 3 ) he wanted me to settle in full or pay {$600.00} in order to initiate a payment plan, I mentioned I can only do {$100.00} a month max 4 ) I mentioned I was unemployed, and he said to use my covid edd payment to pay my bill 5 ) then he said to ask my mother ( I dont even live with her ) 6 ) threatened he was going to tell attorneys that I dont want to pay 7 ) I asked for debt validation, and his response was that he wasnt a monkey that was going to mail me anything
Consumer complaint received 2020-06-13
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove this item from my report : XXXX XXXX XXXX, XXXX XXXXE, XXXX, XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC (NC)

On XX/XX/2019 a man came to my door to sell a vacuum cleaner. He stated i had 24 hours to return it if I decided that I didnt want it. I phoned the gentleman that sold me the vacuum ( his name excapes me ) and he stated that he couldnt pick it back up because he was headed to XXXX and wouldn't ba back until late ( at this time we are now 16 hours into having the vacuum ). I reminded him that i only had 24 hours. He told me not to worry that it would not count against me. He came back 48 hours later ( approximately ) with his wife in a mini van to pick it up. He kindly said that he regrets I couldn't keep it as he was in a contest for the employee that gets the most sales, at that he left. Now I am being charged along with interest for this vacuum I never used and do not have. When speaking to a XXXX rep ( financial service for the vaccum ) they said the vacuum was not in the possession and I am responsible for it. Im now on the hook for {$1200.00} ( the original amount ) plus interest for the total sum of {$2200.00} I am highly upset because not only do I not have the vaccum XXXX to be exact, It has had a very negative impact on my credit. The interest continues to collect and is very stressful. XXXX os the original creditor and it has now been put in collections with Monterey Collections Services
Consumer complaint received 2020-06-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.Q. DATA INTERNATIONAL, INC. (TX)

IQ data International didnt purchase collection account they are just trying to collect. I dont have a contract with this collection agency. The original creditor is closed indefinitely and they charged off the account and filed it as a loss on their taxes. The contract IQ data so call has is null and void. IQ data needs to provide more reliable information than a bill summary to prove this fraudulent collection on my credit file. The original creditor is closed down theres no way to contact the original company due to them bring closed down. IQ data has yet to provide sufficient information they need more documentation instead of trying to provide fraudulent information from a company thats no longer in business to acknowledge the fraudulent information.
Consumer complaint received 2020-06-18
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 — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc. (PA)

I have a car loan with Santander consumer usa since XX/XX/XXXX since .. 
I recently have gone through during the pandemic a hardships and have been late making a few payments
Consumer complaint received 2020-06-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: FIRST NATIONAL BANK OF OMAHA (CA)

I changed my address on file with this lender as I am temporarily living abroad at the moment and it would make it easier for me to receive my mail. Much to my surprise, when attempting to use my card, it got restricted. I attempted to reach out to FNBO twice and I was told everything should be okay and my activity would resume within 2 minutes time. When that did not happen, I contacted again to be told in a derogatory tone that someone living in XXXX ( this was referring to me ) had attempted to call multiple times before about this matter and that my account was still on hold. I would like to add that I passed every single verification question presented to me. 

Much to my surprise, my account has disappeared from my online area and I am being told that a research department needs to review the fact that I have a foreign address. And that I attempted to do a transaction larger than my credit line ( {$3000.00} attempted transaction when my credit line is of {$2800.00} ). For this lender, these are " red flags ''. 

Since opening this card in 2017, I have never been able to get a credit line increase with this lender. I have consistently experienced a discriminatory tone when speaking with FNBO representatives due to my XXXX name. My account is equally frozen or restricted whenever I travel despite maintaining a consistent payment history. 

I do not think this is acceptable and I believe I am facing credit discrimination. 
I have heard the lender make negative comment about my national origin ( XXXX ) and I being refused access to my credit card even though I qualify for it. I have passed every single verification question presented to me and it is my belief that I am being denied access to my credit card account for discrimination reasons.
Consumer complaint received 2020-06-18
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: Westlake Services, LLC (TX)

Filed for Chapter XXXX Bankruptcy. 
Judge sent Wilshire / Westlake Financial Services the papers. 
They refuse to release the Lien. 
Every time I call, they say that this is the first that they heard of this. 
No attempt is made to remedy the amount owed.
Consumer complaint received 2020-06-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL (VA)

On XX/XX/2020, my Old Navy Visa Credit Card was upgraded to a Navyist Credit Card without my knowing or request. My rewards balance of {$660.00} of Old Navy store credit was removed from my account when I was upgraded. 

On XX/XX/2020, I called the Synchrony Bank customer service and was told my rewards balance would show the {$660.00} of Old Navy store credit in my account within 1-2 billing cycles, and that this was the first cycle. 

On XX/XX/2020, I called the Synchrony Bank customer service when I still had not received the {$660.00} of Old Navy store credit in my account. Synchrony Bank said {$560.00} rewards dollars were spent from my account, and had specific dates the rewards dollars were spent, but was unable to provide locations or any other transaction details. I had not spent any of my rewards, and Synchrony Bank opened a fraud dispute for the missing Old Navy rewards. I was told I would receive a letter showing the details of the rewards spent at Old Navy within 1-2 billing cycles. I never received this letter. 

I received a letter about a week later dated XX/XX/2020 stating a replacement " Shopping Pass '' will be issued in my next statement. I received {$15.00} in Old Navy store credit in my XXXX statement, and {$250.00} in Old Navy store credit in my XXXX statement. 

As of today, XX/XX/2020, my account shows {$0.00} in Old Navy store credit, but I should have a balance of {$660.00} to use as Old Navy store credit. I have spent spent none of the Old Navy store credit rewards from my account. The {$260.00} Old Navy rewards  dollars issued in XXXX and XXXX have since disappeared from my account without me using them.
Consumer complaint received 2020-06-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc. (CA)

My identity was stolen as part of XXXX XXXX hack. A XXXX XXXX Two accounts were fraudulently opened using my name. According XXXX records two accounts were opened. One in Georgia using another persons name not my name. The other in XXXX Louisiana using my name. No payment were ever made on the fraudulent accounts. The accounts were subsequently sold to various collection agency. The amount for collections was {$800.00}. None of my current or previous addresses listed on my credit reports are in Louisiana or match the address in Georgia. I have never lived in Louisiana. I do not know the the exact time the accounts or the properties where XXXX delivered service fraudulently. I do not know the account numbers. 
When the XXXX hack took place I locked all of my credit reports. So new accounts could be open in my name. My credit reports remain locked. 
Currently, Credit Management Lp. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX is attempting to collect the fraulent debt and is listed as a collection on my credit reports. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX XXXX. 
Both XXXX and Credit Management the collections agency have been contacted. The company 's dispute forms for identity have been submitted to both organizations with the requested documentation. No actions have been taken by either organization. As a victim of identity theft. I am being victimized subsequently by these companies. The debt is not mine.
Consumer complaint received 2022-10-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current (TN)

My bank allowed XXXX XXXX to charge my card with a different debit card # which was different from my debit card. I switched my debit card off their app and was charged my previous card. I filed a dispute against it, but my banking app chose to side with the company for some weird reason when they said a different last 4 digits on my debit card from my current debit card.
Consumer complaint received 2020-06-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: U.S. BANCORP (CA)

What happened - I have changed my legal name through court order - On XX/XX/2020 I used my new legal name to enrol and was eligible for US Bank 's " Because you've earned it '' program that required identity and credit worthiness check and provide customers with a high credit score benefits, including no maintenance fee for their Gold checking account - US Bank was also offering a sign-up cash bonus for new checking accounts using a special online code. 
- On the same day, I submitted an application to open a Gold checking account with the sign-up bonus code and using the same personal information vetted earlier. The application was declined due to " problems to verify my identity '' - I then called US Bank and the agent informed me that I should go to a branch to provide more information about my identity so that my application could be approved. 
- On XX/XX/2020 I went to a branch in XXXX XXXX, California. I explained the situation to the bank teller, I provided my driver 's license, social security number and signed court order. The bank teller took copies of all documents and told me that I'd need to return at a later date, since the branch manager was unavailable. 
- Some days later, I received a call from the branch manager asking me to bring original documents to the branch so they could open my account. During my visit, the branch manager mentioned that my online application was declined and I should file a new application. However I would not be eligible for the promotional sign-up bonus. 
- Since I was eligible and wanted the sign-up bonus, the recommendation was to go back home and file another application online. The bank agent at the time suggested filing the application with my former name. 
- On XX/XX/2020 once again, I checked my eligibility for the " Because you've earned it '' program and since I was still eligible, I filed another Gold checking account application. At this round, I used my former name. This time the application went through without a denial. 
- After four days without a response, I called US Bank on multiple occasions and learned that my application was " under review ''. 
- On XX/XX/XXXX, I finally got a denial email stating the bank could not verify my identity and the application was declined.
Consumer complaint received 2020-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

After multiple telephone calls in XXXX and XXXX, 2020, XXXX XXXX XXXX ( XXXX ) continues to report inaccurate information to each of the three credit bureaus.
Consumer complaint received 2020-06-18
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. (IL)

After multiple telephone calls in XXXX and XXXX, 2020, XXXX XXXX XXXX ( XXXX ) continues to report inaccurate information to each of the three credit bureaus.
Consumer complaint received 2020-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

After multiple telephone calls in XXXX and XXXX, 2020, XXXX XXXX XXXX ( XXXX  ) continues to report inaccurate information to each of the three credit bureaus.
Consumer complaint received 2020-06-18
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (NC)

I operate a small XXXX XXXX out of the XXXX XXXX. My XXXX was effected by the Covid shutdown. I have credit cards with XXXX XXXX, XXXX, XXXX, and Citibank. The Citi cards are what I want to discuss. The Citi bank cards I have are all in good standing except one. My bestbuy card through the CitiBank retail group. 

I contacted their support on XX/XX/XXXX to find out what my options were. 
They advised me their was nothing currently but they were aware they were going to do something for us card members. I have been a bestbuy credit card holder since XXXX, when it was with XXXX XXXX XXXX.. It's since changed hands to XXXX XXXX and now Citi with a good standing account. I was told all they could do was to take my autopay off my account and that she would have a manger reach out to me to discuss options when the company had something. I received a call around the end of XXXX/beginning of XXXX and was told they still haven't gotten something but they were about to, and they would call me back at that time. I have not received anything from them since. I was on the road volunteering since the beginning of XXXX with Covid relief. When I called today ( XX/XX/XXXX ) I was told that they had put a C & D on my account and now there is nothing they can do in regards to taking my late records off of the credit bureau ( 85 days late as of today ). That I had been sent a letter in writing in regards to the C & D for which I did not request. They should be requesting that be signed and mailed back before something like this is put on! This has been so drastic on my credit report it caused my SBA loan for getting a pandemic disaster relief loan to help with this crisis. If they had done what their counterparts in the normal CitiBank had done, I would have gotten my SBA loan and would have been able to make my payment to them this month without a problem. They have the WORST customer service I have EVER SEEN! I would be current if they had done what was fair, just, and in compliance with what they offered people in my position. I am sorry I relied on their support to call me back, like they said they would. Looking at my payment history for over 10 years should show I want to pay the account bills! 

If you live in a state with 1 party call recording, get a call recording app and record these calls. You can't rely on their people making reliable notes!
Consumer complaint received 2020-06-18
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: JPMORGAN CHASE & CO. (MS)

repeated phone calls. my phone calls automatically go to voicemail. phone number XXXX calls multiple times per day and does not speak. i do not know what company it is. 
XXXX XX/XX/2020 called at XXXX, XXXX, XXXX, XXXX, XXXX XXXX 2020 XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XX/XX/2020 XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XX/XX/2020 XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX i work third shift and sleep during the day. my phone is set to go straight to voice mail during the day. this number calls repeatedly amd does not speak.
Consumer complaint received 2020-06-18
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: Experian Information Solutions Inc. (KS)

The following inquiries are fraudulent id theft. please remove from my report XXXX XXXX VIA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX Phone number not available Requested On : XXXXInquiryType : IndividualPermissible Purpose : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX Phone number not available Requested On : XXXXInquiryType : Individual XXXX XXXX NA VIA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX ( XXXX ) XXXX Requested On : XX/XX/2020, XXXXInquiryType : IndividualPermissible Purpose : CONSUMER INITIATED TRANSACTION XXXX XXXX XXXX  XXXX XXXX, NC XXXX ( XXXX ) XXXX Requested On : XXXXInquiryType :  Individual XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX ( XXXX ) XXXX Requested On : XXXXInquiryType : Participant XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Requested On : XXXX : Individual XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Requested On : XXXXInquiryType : Individual XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX, KS XXXX ( XXXX ) XXXX Requested On : XXXX : IndividualPermissible Purpose : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX VIA XXXX XXXX I have tried contacting transunion to resolve this but can not reach anybody.
Consumer complaint received 2020-06-18
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Bread Financial Holdings, Inc. (TX)

I made arrangements to set up Payment and it didnt come out 3 late payments! Im in the process of refinancing my home because of covid 19