davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-18
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. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-12-28
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I had a credit card with Captial One in which was closed due to nonpayment and the loss of my job. I received an email from them stating I could settle the payoff amount which was XXXX for XXXX. I called on XX/XX/ and spoke to someone unwilling to help me and I requested a supervisor I was put on hold and the called dropped. I called back on XXXX with hopes of getting more information and settling the debt I explained the email I received and Capital One was not willing to honor their email.
Consumer complaint received 2023-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (GA)

On Saturday XX/XX/21 I received notifcations from my financial instituation of two hard inquiries from Experian. I tried to contact Experian and despite the hours on their app saying that they are open for phone calls, there was no way to get in touch with them on Saturday or Friday during XXXX XXXX as suggested by their app. 

Additionally, I have come to find that I can not log in to my account or recover it because someone has hacked it. When I try to recover it just shows a XXXX which is not my email address. 

So I can't talk to anyone to rectify the situation, and I also can't fix the situation online because someone has hacked it. 

Then after several XXXX searches I have come to learn that Experian has had very inept security and my experience is common. I have gotten no warning from the company that this was a possibility. 

This company is a total disgrace.
Consumer complaint received 2019-12-18
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BB&T CORPORATION (VA)

ON XX/XX/19 I WITHDREW {$4500.00} FROM CHECKING N MONEY MKT. ON XX/XX/19 I WITHDREW {$4500.00} FROM CHECKING. I WAS RED FLAGGED N QUESTIONED ABOUT 2 WITHDRAWALS. I WAS A BIT UPSET CALLED 800 NUMBER. A XXXX READ ME THE RIOT ACT ABOUT MAKING 2 LARGE WITHDRAWALS IN A 4 DAY TIME SPAN. HE ALSO INSINUATED I WAS DOING SOMETHING FRAUDULENT BY GOING TO 2 DIFFERENT BBTS. HE SAID I MUST GO TO MY LOCAL BANK N NOT BANK TO BANK. ON XX/XX/XXXX I WAS IN XXXX GROCERY SHOPPING WENT TO BBT THERE. ON XX/XX/XXXX I WAS AT DOCTOR IN XXXX  XXXX N WENT THERE. HE THREATENED TO FREEZE MY ACCOUNTS AND REQUIRE APPROVAL BEFORE MAKING ANY MORE WITHDRAWALS. I SAID THIS IS MY MONEY N HE CAN'T DENY ME ACCESS TO IT. HE BASICALLY STATED YES HE CAN. I WAS MADE TO FEEL LIKE A CRIMINAL FOR TAKING MY OWN MONEY OUT OF THE BANK. 

ALSO ALL MY MAIL IS TO GO TO MY PO BOX BUT ITS GOING TO MY STREET ADDRESS. I DID AN ADDRESS CHANGE XX/XX/XXXX XXXX
Consumer complaint received 2023-02-21
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: EQUIFAX, INC. (FL)

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2019-12-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CNG FINANCIAL CORPORATION (CA)

I took out a long term installment loan from Check N ' Go at XXXX XXXX  XXXX XXXX # XXXX, XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX ( business is abandoned no one there? ) I went to get a full and proper forensics accounting of my loan and make a Cash Payment as I always have. I could NOT do anything as the business is ( CLOSED ) Permanently as they shut the doors and left? NO one to get in touch with, many people standing outside like me were left in the Dark? 

At no time was i ever told the business would suddenly and secretly close in the dark of night and take all records and Vanish and disappear? NO ONE ever contacted me nor bothered to let me know they would secretly close and take all the records and leave going out of business? 

As a XXXX  XXXX Veteran i have no idea what is going on and what to do, i called the number in the window and NO ONE answered the phone, i called another store and was told " Oh they went our of business due to Misconduct and fraud " I now am left with no records no place to get any help.
Consumer complaint received 2023-01-22
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (FL)

I had a wellsfargo checking account from XXXX. When I opened my account I signed a paper stating that if my funds got low that any other payments would decline. Suddenly I'm trying to check my account and it's telling me I'm overdrawn {$280.00} and some change which is impossible because like I previously said no payments should come out if my balance was low. I called Wells Fargo and they tell me that it's payments I made and that I would have to pay that back. How could I have made payments if my account was set to decline if I had insufficient funds. They never resolved the issue and refused to give me back the money they took out of my account.
Consumer complaint received 2019-02-08
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. (TX)

On XX/XX/XXXX I purchased a car Santander and was charged of showing a date of last activity of XX/XX/XXXX with Santander. The loan was sold to XXXX and later sold to XXXX XXXX XXXX. In XXXX I noticed the account still showing on my credit report with Santander with a date of last activity of XX/XX/XXXX and I disputed the account with XXXX XXXX XXXX after I noticed that it was still on my credit report after the seven 7 reporting statue. 

I would like for you to send me a printing of all the payments made to this account along with copies of the contract and proof of the date of last activity of XX/XX/XXXX if it was a payment or credit to the account. 

I have attached the two credit reports one showing the Santander account and the other one showing it removed after I disputed it wtih XXXX XXXX XXXX.
Consumer complaint received 2018-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: General Motors Financial Company, Inc. (OH)

XXXX  XXXX reported XX/XX/17 on my inquiry which I did not authorize reported on XXXX also I was in the breach. No amount was given called the company and ask them to remove them and they would not. Has caused my credit score to lose 25 point. Someone has been trying to obtain credit in my name. I have no contracts, photo 's, documents, letters or receipts for I did not apply to any of these companies for credit. 

XXXX XXXX XXXX XXXX company reported XX/XX/17 on my inquiry which I did not authorize reported on XXXX   also same as the above complaint. 

XXXX XXXX XXXX XXXX XXXX reported on XX/XX/17 which I did not authorize reported also on XXXX same as the above complaint.
Consumer complaint received 2019-12-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I XXXX XXXX am trying to avoid filing a chapter XXXX bankruptcy petition. However, before I do that I want to obtain the actual ownership of my current creditors that went into default several years ago. I hereby file a qualified written request on each defaulted creditor, and if any of these debts were sold off to a third-party debt buyer, then I will review the proper documentation to make sure all proper legal requirements were initiated. Accordingly, I request full validation of the stream of ownership on each account under reinvestigation.
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I had filed a dispute about a year ago and never heard back from capital one regarding the outcome of my dispute, they had my information wrong and the balance amounts. 
After contacting customer service, requesting the results, I never received anything.
Consumer complaint received 2023-12-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: INDEPENDENT BANK CORP. (MA)

In the process of selling a product on XXXX  a scammer began the purchasing process with me. I received emails with instructions from a fake XXXX account. The scammer sent numerous emails requesting that I send money to the fake XXXX account that was provided. I realized it was a scam once she requested to see my checking account. In total I sent XXXX to the scammer. I provided the screenshots of our conversations and the bank denied my dispute.
Consumer complaint received 2019-02-08
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: AMERICAN EXPRESS COMPANY (MI)

After multiple calls and instant messages over the period of two months. I was denied my Amex Platinum welcome bonus, since they said that I closed two previous cards after a year, as I am " misusing my credit cards. '' This was after I had called prior to applying for the card, and they said that I was eligible for the welcome bonus. Every time I call about my welcome bonus stats, the customer service person says that I have no reason to not receive it. I fulfilled all the requirements and pay my card off on time. 

I closed both previous cards for legit reasons, the first was a delta gold card, which I closed after not using the airline much, and the second was a XXXX card, which I closed after the merger with XXXX was announced and my points would have been devalued. 

Plus, I have cards outside of AMEX with longevity ( four to six years ) ... AND I have only opened four cards in the last two years.

I did nothing illegal, and I pay my cards off on time, every time. I have a great credit score, and show nothing that would be a risk for the company.

I would like to file a complaint, as I did everything AMEX had asked for, and yet they still refused -- it's not only misadvertising, it's a bait-and-switch tactic to get you to sign up by offering welcome bonuses without following through.
Consumer complaint received 2021-12-14
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: Experian Information Solutions Inc. (NJ)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MI)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-22
Product: Credit card or prepaid 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: Bread Financial Holdings, Inc. (DC)

On XX/XX/XXXX my flights were cancelled due to weather. I received a flight and rental car refund to my Lands End XXXX credit card account. On XX/XX/XXXX I requested the credit card company send me a refund for the credit of over {$700.00}. I made the request thru the automated system, but then also spoke to a representative to confirm my request had been received. I was told I should receive a refund check within 10 days. 

On XXXX when I had not received my refund I check, I called again. After speaking with XXXX different people I was advised that because I have a credit freeze on my credit bureau account, my request had been cancelled ( but no one bothered to tell me ). Instead, I was told it was now necessary ( under the law ) for a supervisor to call me to confirm my request. I was further advised that my refund would be made to my checking account ( even though that is not what I was previously told, wanted or requested and I had not provided any account information ). No supervisor or anyone else contacted me after XXXX  to advise me of this and I received no call. On XX/XX/XXXX, I was told my refund request would be forwarded to a XXXX who would call me within XXXX hours to confirm my request. I was told that they could not tell me when to expect the call, but if I did not answer, there would be no message. If I failed to answer, I would get a letter within XXXX weeks that would provide a toll free number to call to confirm my request. I was told the supervisor could not provide the number in a voicemail if I missed the call. 

It is now XX/XX/XXXX, and, needless to say, I have received no call. I believe this refund procedure is a scam to hold my funds like an interest free loan.
Consumer complaint received 2021-12-14
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. (VA)

I purchased a home in XXXX, Fl. in XX/XX/XXXX, the lender was XXXX XXXX XXXX ( XXXX ) and I was never late, never missed a payment. I had no issues, until the mortgage was sold/and transferred to another lender ( XXXX XXXX XXXX XXXX XX/XX/XXXX. XXXX continued to report to the credit bureaus on the account although the mortgage was transferred to XXXX XXXX, and I was then paying my mortgage to XXXX XXXX. XXXX reported to the bureaus, non-payments on the old mtg. account with them from XX/XX/XXXX through XX/XX/XXXX -- although I contacted their office, my attorney contacted them, and I wrote letters to the credit bureau, who tried to have them clear it-they refused. As of today ( XX/XX/XXXX ), the negative report from XXXX still appears on my actual credit report as a negative item impacting my score, and it is listed on the 3 bureaus that I have 2 mortgages ( XXXX and XXXX XXXX ), and the one at XXXX lists as 90 days late. Then, as I begin investigating this further again, writing letters to all the bureaus about the situation with XXXX and XXXX XXXX, all of a sudden XXXX XXXX began reporting me late on my mortgage payment with them, after I have had a 7 year payment history of on time payments with them, and no late payments, and a current account in the midst of this devastating pandemic. The bureaus have requested documentation/ proof from both of them, XXXX XXXX refused to change their report and so did XXXX XXXX and refused to provide proof. These are affecting my total financial wellbeing. The fair resolution should be that XXXX needs to completely remove their account from off my credit bureau report/clear the negative items for the 8 months that is listed -- which were after the mortgage was transferred over to XXXX XXXX XXXX Additionally, XXXX XXXX also needs to clear their negative report because my account with them is paid on time, and is current, and has been on time for the past 7 years. It has been a 7 year nightmare of with these 2 players in the banking industry, to try to correct the incorrect reporting of these accounts.
Consumer complaint received 2019-02-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Millco Management (MD)

I checked my credit report this year to see there was an open claim from a debt collector XXXX XXXX on XX/XX/2015 for {$600.00}. I do not recall being at XXXX XXXX for treatment, nor did I receive notice of this outstanding debt.

Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX
Consumer complaint received 2019-02-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AmerAssist A/R Solutions, Inc. (GA)

I had an account with XXXX XXXX. After the account was cancelled, the company did not take their garbage cans. I called one time and spoke to a rep that informed me that I had a balance of ~ {$10.00}. I paid the amount and never heard from XXXX XXXX again. Months later I started receiving letters from collection agencies. When I received the first letter that stated I owed {$110.00}, I called XXXX XXXX. They said I owed for keeping their cans. I scheduled their can pick up for XX/XX/XXXX. I have a letter sent to the XXXX from XXXX XXXX stating that they removed the {$110.00} from my account on XX/XX/XXXX and notified the collection agency. Problem is that in XX/XX/XXXX, I am still receiving regular letters from AmerAssist and XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX I have sent notification to both that I have zero owed to XXXX XXXX, but the letters keep coming. It bothers me that XXXX XXXX did not contact me to retrieve their cans before sending this to collections and starting this never ending letter sending campaign. I'm sensing that AmerAssist is a sister company to XXXX XXXX and that this feels fraudulent in practice instead of negligent because I have communicated in writing that I don't owe XXXX  XXXX.
Consumer complaint received 2022-07-22
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: Experian Information Solutions Inc. (LA)

In accordance with fair reporting act acct # XXXX XXXX XXXX  has violated my rights. 

15 USC 1681 section 602 ( a ) states i have right to privacy 15 USC1681 section 604 ( a ) it also states a consumer reorting agency can not furnish a account without any written instructions.
Consumer complaint received 2019-02-08
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc. (CO)

I made purchases on my XXXX XXXX Credit card in XXXX of 2018. I recieved my bill in the mail and went to pay it online but I was unable to log in and it kept telling me that the action can not be performed. I called them and they were closed since I work the same hours that they are open. Because of all of that I was two days late on my payment. I made my payment over the phone. I then received my bill for XXXX and XXXX in late XXXX and it said that I had two charges. I called and they said they were the two late payments for not paying my bill on time. I called and spoke to a representative but said he could only remove one since I was two days late due to not being able to pay it online. I was not aware that I had a late charge for XXXX And they applied another late charge in XXXX for non-payment even though I had paid my bill for things that I had purchased in full. I also have had this credit card for years and have always paid my bills on time. You would think that since I was a consistent consumer, tried to pay it online, and paid what I actually owed in full there could be a better solution that just charging me two late payments. I also spoke with two people at XXXX to see what they could do and had to wait on the phone for an hour to speak to the manager. When I requested the guy above him he said it could take up to 4 hours.
Consumer complaint received 2021-12-14
Product: Credit card or prepaid 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: JPMORGAN CHASE & CO. (CA)

In XX/XX/2021 I received an email saying thank you for your order I automatically replied with I never authorized the charge totaling XXXX from a XXXX company I did not recognize, I disputed it the second I was able to on my chase account and XXXX account both. I emailed the phone number that messaged me of an order placed. I responded with I did not authorize there as well. They went back and forth with me several times insisting that the charge was refunded once they received whatever it was they set my way. did not accept the package so I do not know who or what was sent. I tracked the package which showed it was in fact returned. I followed up with the merchant, chase and XXXX XXXX and the merchant both insisted it was chase that was not letting the money come back to me. Chase never offered to close that account and open me a new one. Every time Ive contacted them ive been hung up on, yelled at, or just gave no assistance in the matter whatsoever. I went into the branch after faxing the disputed documents over 4 -5 times on my own and had the bank fax them. I was given an email to send disputes to and sent 3 total emails and never once had any of them acknowledged. I dont know how else to get my money back. The worst banking exerience Ive ever had.