davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Second Round Limited Partnership, Austin, TX Branch (NY)

Received a letter from debt collection agency. They claimed that I did not show up to court and that they received a judgement. The letter does not state accurate information. This case adjourned because they did have proper proof that I owed this debt and that they did not properly serve me. When I called to inquire about the judgment, the person I spoke to stated that there was not judgement and that they just wanted to get paid. My local civil court states that there is no judgement on record with this company. 
I asked them why would they send a fake legal notice if there was not judgement. I could not get a clear answer. It seems like the debt collection company is using deceitful tactics as a way to bully people to pay.
Consumer complaint received 2023-08-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION (AR)

I tried to open a new checking 360 account at capital one banks, providing all the required documentation and details and fulfilling the necessary formalities. However, to my surprise, my application was denied without any valid reason or explanation. I tried calling the number provided and I was told that the bank has decided not to have any relationship with you, without giving any reason as to why. I remember facing a similar issue with capital one in 2020 but i ignored it. I firmly believe that this decision was based on discrimination, as I fulfilled all the standard eligibility criteria and provided all the necessary documents. I request that appropriate action be taken to rectify this situation, to prevent similar incidents from occurring in the future, and to ensure that the bank complies with all anti-discrimination laws and regulations. I trust that the institution takes this matter seriously and will take immediate steps to address it promptly. I am willing to provide any additional information or documentation that may assist in resolving this matter.
Consumer complaint received 2019-07-25
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (WA)

XX/XX/2018 was the date of the rejected opening of a deposit account with Wells Fargo Bank. They request a 'soft inquiry ' of my credit report. It states in the rejection letter that the use of my consumer report as part of their internal evaluation of my application was unable to give specific reasoning regarding their decision or actions with respect for my application. I am wanting to request a full disclosure of all my information in my credit file by requesting a copy, however I am unable to locate this option. The consumer report was brought in part by XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX
Consumer complaint received 2015-09-17
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A. (NY)

Deceptive advertising by Citi Card : I applied, and was approved for, a new Citi/AAdvantage Platinum Select credit card. Before I even received any documentation or my credit card, I received another offer for a Citi/AAdvantage Platinum Select credit card, which offered even better benefits ( an additional XXXX air miles which translate roughly to $ XXXX value ). When I called to ask to receive the better benefits, I was told that even though I can have multiple Citi card acounts, the offer was only good for " new customers ''. HOWEVER, the terms and conditions of the new offer letter clearly state : " This offer is only valid for new accounts '' and " If you are an existing Citi AAdvantage cardmember, you are not eligible for this offer on your existing account ''. But it does not say anything about being a new or recent customer. Citi card also refused to honor their offer even if I decided to close the just opened account ( for which I had not even received my documentation ). Failing to honor the offer as published constitutes deceptive advertising and unethical business practice symptomatic of Citi Cards.
Consumer complaint received 2022-05-20
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. (GA)

The Credit bureaus stated Account Name and Account #, was properly investigated but how is that possible if the open dates are inaccurate, and date last reported is not accurate. This is ground for removal. 

They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions.

They also violated my rights under 15 U.S.C 1681 Section 611 2 ( a ) : The law Clearly states the credit bureaus have 5 days to notify me from when they recieve my disputed.

They also violated my rights under 15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( l ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the consumer file.
Consumer complaint received 2022-05-20
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (VA)

The Store is Children 's Place and the Credit Card company is XXXX XXXX XXXX. I paid the balance of the card on XX/XX/2022 of XXXX thinking the card was paid off I didn't check the card until I received a notice in the mail on XX/XX/2022 and I went ahead and paid the XXXX and they waived XXXX in late fees. I tried calling them since now I have a negative report on my credit for this and they would not take the negative action off my credit report. On XX/XX/2022 they put a finance charge of XXXX on my card after the date of me paying it off then it began the snowball of finance charges and late fees as follows. XX/XX/2022 XXXX ; XX/XX/2022 XXXX ; XX/XX/2022 XXXX ; XX/XX/2022 XXXX ; XX/XX/2022 XXXX ; XX/XX/2022 XXXX. I should not have paid the XXXX and I should not have a negative against my credit score from them. They are a scam and need to be investigated.
Consumer complaint received 2022-12-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I called the 3 Credit Bureaus after I purchased a credit report with XXXX on XX/XX/22. After receiving a copy of my report, I saw these UNVERIFIABLE accounts on my personal profile, I noticed that there were erroneous Accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus on XX/XX/22. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX, XXXX, and XXXX and hoping that these accounts will be corrected.
Consumer complaint received 2021-11-15
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: MoneyLion Inc. (AZ)

I contacted Moneylion via certified letter, rec 'd XX/XX/2021 and followed up with an email to XXXX XXXX, XXXX XXXX, on XX/XX/2021 requesting copies of applications and other business records relating to accounts that resulted from the theft of my identity. I have NOT received said information nor a response to either communication.
Consumer complaint received 2021-11-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FIRST HORIZON BANK (TN)

credit card FRSTHRZNBK XXXX XX/XX/2015 {$4900.00} credit card FRSTHRZNBK XXXX XX/XX/2015 {$4900.00}
Consumer complaint received 2021-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I had a credit card with Bank of America that was closed in XX/XX/XXXX when I left to join the Military. Upon closing the account I paid the account off in full, and Bank Of America is still reporting the card 30 and 60 days late on my credit report. Upon calling Bank Of America, they claimed they can't fix it because it occurred greater than 12 months ago. These late payment 's don't show up on any other credit report aside from the tradeline pulled to obtain a mortgage.
Consumer complaint received 2024-03-26
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 (UT)

I had someone reach out to me to attend a XXXX  on XX/XX/2023, on this phone call they never expressed that it was non refundable. The XXXX  was for car sales, where I worked at the time, and they withdrew {$330.00}. The sent me an email later that afternoon with information about a XXXX  that had already passed in XXXX, the XXXX  was supposed to take place on XX/XX/2023. I had another {$330.00} withdrawn on XX/XX/XXXX. On XX/XX/XXXX I reached out with a months notice that I didnt have the funds to pay the next payment and would need a refund. The lady who called me then told me it was non-refundable. That was the first I heard about it. I told her I was frustrated because I was never told it was non-refundable and they reached out to me to sell me something. That didnt seem right to reach out and take my money before telling me it was non refundable. I then could not get a hold of her, any phone calls were declined. I reached back out again in XXXX because I wasnt sure what to do. Their response was you dont have a money problem you have a skills problem then did not give me anyone who I could contact about getting a refund and told me their policy was stated on their website. Their policy is on their website, however I did not purchase through their website nor did I reach out to them. They called me and did not send me anything about refund policy or tell me about it being non-refundable until they took the money out. I then contacted Capital One to try to dispute on XX/XX/2023. I had XXXX thus the reason for time gaps. They told me to submit all my information that they could try to dispute. I called them several times and talked to several people. I got a denial letter today, XX/XX/2023 saying I did not provide all things necessary to go ahead and dispute and my case would be disclosed. I called again and the agent said oh it looks like paperwork is fine you just didnt dispute in XXXX  days. I am upset because why wasnt I told in needed to be XXXX  days in the first place before going through all of this, and why was I sent a denial letter for wrong information. I asked what more I could do and they said contact the merchant who refuses to refund me. I did not attend the XXXX. I can not get ahold of XXXX XXXX XXXX  to help or issue a refund, all calls go to voicemail and no one calls back.
Consumer complaint received 2022-12-17
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: EQUIFAX, INC. (MD)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXXXXXX 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 Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$7900.00} XXXX XXXX XXXX XXXX XXXX Balance : {$370.00} XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Consumer complaint received 2021-11-15
Product: Credit card or prepaid 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: DISCOVER BANK (MS)

I was charged {$380.00} online ( XXXX ), for a purchase I did not make or authorize on XX/XX/2021. I did not discover this charge until XX/XX/2021 when I tried to log into my XXXX account that was suspended without notice or good cause. The charge looks like it was made the day ( XXXX XXXXXXXX XXXX  ), that my XXXX account was involuntarily suspended. I notified discover card of the fraudulent charge on XX/XX/2021 and XX/XX/2021. I contacted Discover Card this morning ( XX/XX/2021 ), and they said that the matter had been resolved and that the charge " was '' valid, but it is " not '' valid, nor ha sit been resolved, as I did " NOT '' make or authorize a {$380.00} charge on my Discover Card on XX/XX/2021. Discover Card needs to investigate and credit my account for the amount in question, {$380.00} plus interest from XX/XX/XXXX, XXXX present. Discover Card Fraud Department needs to investigate, and send me a new card with a different account number. It looks like someone with the screen name ( email ), " XXXX  '' is the fraudster, according to the XXXX contact page ( see screenshots ). I don't know anyone in Florida or anyone with the name of " XXXX XXXX'. I Live in Mississippi ......
Consumer complaint received 2021-11-15
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. (VA)

This account is not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting to my credit reports. I have attached the letters and FTC report that was sent on XXXXXXXX XXXX, XXXX, XXXX  which I never received a response for. They are still contacting me and this is still showing on my credit report. I will sue them if they continue to collect/report debt that does not belong to me!
Consumer complaint received 2021-11-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

My identity was stolen me and my family will be facing homelessness due to identity theft please remove these fraudulent account i am the head of household my family depends on me and i really need this matter taken seriously i reached out to the debtors directly and not given any response to this matter.. 

BANK OF AMERICA Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. {$450.00} written off. 
XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. {$760.00} written off. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$180.00} Status Collection account. {$180.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2400.00} Status Collection account. {$2400.00} past due as of XX/XX/XXXX. 
XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Closed. {$180.00} written off.
Consumer complaint received 2021-11-16
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : XXXX XXXX XXXX Account Number : XXXX KOHLS/CAPONE Account Number : XXXX
Consumer complaint received 2016-07-20
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (TX)

Hi I filed a complaint about this company a few weeks ago but forgot to mention that the company admitted to no disclosing important information about having the option to make a principal only payment. For the past three years I have been making regular payments to Santander Consumer USA for an auto loan, but did n't realize this simple interest loan takes the money from my car payment and applies it to interest first then the remaining to the actual balance. I was told that this is what I signed, but when the dealership sold me the car they said it was a regular loan. Someone was n't being honest and I got sucked in. Now, my car is only work XXXX but I owe twice that much. I requested that the auto loan company send me an original cooy of the contract, but they have n't yet. They also admitted and I saved the transcript of the conversation that in the contract they fail to let consumers know they can make XXXX payments per month. XXXX is for interest and the other is for principal. Had I known this I could have paid down this loan much faster. I would like them to adjust my balance.
Consumer complaint received 2019-02-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I sent this company my dispute letter on XX/XX/XXXX with detail explanation on what accounts were derogatory and needed removal. I even attached all the documents they requested as proof to assist them run a smooth investigation on this matter : But to my surprise this company still kept reporting these erroneous accounts. This letter is a written proof of my intent to resolve this matter and have these inaccurate accounts expunged from my report before pursuing legal action. 
For yet one last time, the following accounts are derogatory : XXXX XXXX, Opened Date XX/XX/XXXX, Highest Balance {$3300.00} XXXX XXXX XXXX, Opened Date XX/XX/XXXX, Highest Balance {$2800.00} XXXX, Opened Date XX/XX/XXXX, Highest Balance {$4400.00} XXXX XXXX XXXX XXXX XXXX, Date Opened XX/XX/XXXX, Balance {$2900.00} XX/XX/XXXX, Date Opened XX/XX/XXXX, Balance {$1000.00} XXXX XXXX XXXX XXXX XXXX, Date Opened XX/XX/XXXX, Balance {$3500.00} XXXX XXXX XXXX, Opened Date XX/XX/XXXX, Balance {$1900.00} XXXX XXXX XXXX XXXX/XXXX XXXX XXXX, Date Opened XX/XX/XXXX, Original Balance {$610.00} I have attached herewith the letter I sent to this company as proof of their failures to investigate and fix the errors I pointed out for reference.
Consumer complaint received 2022-05-18
Product: Credit card or prepaid 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: OPORTUN FINANCIAL CORPORATION (TX)

Oportun allowed fraudulent charges on my credit card, I haven't made any purchases on the card as of today. XX/XX/2022. Yet Oportun show 's the balance is {$500.00}, I did call XXXX XXXX  and advised them that I never made charges on this account as of yet, that there are fraudulent charges from a XXXX XXXX, fraudulent charges from a XXXX, fraudulent charges from a XXXX  's and XXXX XXXX. I have not made any of these charges. These charges date back month 's ago, I already called in and reported that. Oportun never assisted me with these charges. Instead on XX/XX/2022 The date the payment was due Oportun proceeded to charge me with a LATE PAYMENT ON THE DATE IT WAS DUE. In the amount of {$25.00}, and they harass me daily. Again, I haven't made any charges on the card as of yet, so there shouldn't be any balance. I want these fraudulent charges disputed and investigated. These are unauthorized charges. These date back month 's, and Oportun continually doesn't assist with the issue. Instead assumes I should pay for the fraudulent transactions. I have made several attempts to contact their customer support to advise of this including the number that I was directed to call for the Fraud Department and the lady never could understand me.
Consumer complaint received 2019-07-25
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2019 - 30 DAYS LATE I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2021-11-15
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. (PA)

I noticed the debt company posting XXXX on Equifax credit report without any proof or reason for any balance due. Starting date XXXX have provided numerous bank statement copies of money withdrawn of monthly dues of my two year contract with XXXX XXXX  and never received any statement from XXXX of showing balance is due.With XXXX  services I only had basic internet services for my daughter to use for after school homework with a monthly balance of $ XXXX policy is you prepaid the month advance. I been disputing with them. XXXX XXXX XXXX can not give me any proof or reason for any debt owned only replying to me that are collecting a debt.XXXX has no prier balanced owned to them.The company brings up an issue that has been resolved and in the mean time my credit score decreases because of the neglects.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: National Credit Systems,Inc. (FL)

I recently reviewed my Consumer Report and noticed a balance that was listed as joint but did not belong to me at all. Account # XXXX I also never gave this company permission ( written or verbal ) to share any of my non public information to any other parties. These are violations of the Consumer law. It is my understanding that Consumer Reporting agencies have the responsibility to report consumer information to the best of their ability with maximum accuracy.I am prepared to pursue this matter as far as need be but would like to solve this matter simply by removing the balance from consumer report and reporting the balance to the correct party. Thank you