davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

The Bank refused account opening due to 3 inquiries on my XXXX XXXX XXXX XXXX  reports XXXX which is in fact, empty and brand new, not negative information in it. I got to this country on XXXX XXXX XXXX months ago, and this is my welcome to XXXX message. I've been searching for a Bank, which is very legal and really understandable to have a couple inquiries on file, and I've been denied account opening. If having some inquiries affect a account opening decision then why do they even consider applications for customers to use and apply? 

I applied for XXXX XXXX and after I find out I needed to have a direct deposit on my account every month in order for me to have the monthly maintenance fee waived, I stopped and moved one to the next application. 

I applied for XXXX XXXX XXXX and I never receive a response in the mail, only that my application was denied without a response. So, I had to move on. 

I applied for Capital One and I even spoke with someone over the phone for verification purposes and I got denied because I have a couple of account application inquiries on file. This DOES NOT make any sense. 

So, as you can see, I needed the couple inquiries on my background in order for me to apply. How can I explain to my next Bank application that I had 3 inquiries on file and got denied account opening for a lame reason? Are they going to still open it? or Are they going to deny me too? 

Ask yourself that question and then restructure you entire account opening procedures.. 

Attached my Social Security Card, my ID, Passport, and XXXX XXXX XXXX. 

Thank you for having me to go through all of this, without even wanting.
Consumer complaint received 2024-05-24
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (TX)

I had a Wells Fargo business credit card. There was never anything in any terms or conditions that I agreed to that said anything about two issues : 1 ) A right of offset and 2 ) a Personal Guarantee.

I was having problems paying the card. Wells Fargo told me to go delinquent. Then, they took approximately XXXX from a business account with my partner 's capital contribution. 
I asked the bank for proof that I was advised of any right of offset either on my bank account or the credit card. They could provide none. Instead, they sent me pages of account agreements, which were all new, not a copy of one allegedly applicable at the time. Further, they NEVER provided one document that proves I agreed to these terms. No signature, either live or electronic, was ever produced. I asked Wells Fargo to return the money, but they didn't. They must return the money they had no contractual agreement with me, period, much less on that would result in a right to offset in the event of credit card delinquency. They have no evidence I asked for the card I was ever advised that it was a personal guaranteed card or had a right to offset. I did not sign any bank account agreement never signed any agreements, They just sent the card and opened the bank account. 

Wells Fargo has stolen my money. I have not yet filed an FBI report. This action started a massive downward spiral that has destroyed me financially. I had to reimburse my partner the XXXX with high-interest rate credit cards. Wells Fargo has all the power, but I don't have the money to sue them. They know this. You must force them to comply with the law. If they can not produce any evidence I agreed to any such terms, then they have no legal right to take the money from the bank account, and to make it worse, they duped me into being delinquent when I asked for help so they could exercise this right they never possessed. Please do your job. Dont let them get away with this. Every year, Wells Fargo is found guilty of violating dozens of laws. But the consumer is never made whole. 

This was a XXXX XXXX to XXXX XXXX the bank account they offset and stole the money from was XXXX XXXX XXXX XXXXXXXX ending in XXXX
Consumer complaint received 2018-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ENCORE CAPITAL GROUP INC. (TN)

I requested that XXXX XXXX XXXX validate the alleged debt. I also request The last payment and the date of the delinquency.XXXX XXXXXXXX was informed that they are past the 6 years statute of limitation to process a collection in court. XXXX XXXX states XXXX XXXX questions whether the account is collectible due to the expiration of the statute of limitation ( SOL ). A review of XXXX XXXX records indicate that the statute of limitations expired XX/XX/2015. 
I agree that XXXX XXXX can not acquire a judgment through a civil court process. Tennessee Code annotated Title XXXX XXXX. Tennessee allows 6 years SOL. The reporting of the information to credit bureaus is 7 years. One year after the SOL expires. Midland has past the legal reporting date approaching 2 years. This matter can be resolved by deleting the information from all three credit agencies. This will be in compliance. I believe that Midland is re-aging the account. and reporting it to all credit bureaus as accurate. Midland adheres to the SOL in Tennessee. Midland review there own records and concluded the SOL have expired in XX/XX/2015. Negative credit reporting is 7 years from the last date of activity. Midland conceded to knowing that the SOL has expired.
Consumer complaint received 2018-11-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

After making two trips from Oregon to Virginia to visit my elderly ailing mother, my credit card charges was at {$3200.00}. My husband suggested I find a zero interest balance transfer card, so I started searching online. The next day XXXX received a phone call from a guy by the name of XXXX XXXX ( XXXX ), from " Card Services '', who did not speak very good English ( should have been a clue ) who eventually transferred me to a XXXX XXXX ( XXXX ) who stated she could take care of my problem. She explained that their fee was {$1400.00}, and having never done this before I did not know. She tried to open a card in my name, but was unable to get credit approval, so suggested we apply in my husbands name. We got approved for a XXXX, with a {$3800.00} limit. She then told me to call her back when we received the new card. In the mean time, she charged my original card the {$1400.00} fee, which now put my balance well above the limit of the zero interest card. I called my original card company, CapitalOne, to dispute the charge, but was told that since I had authorized it, I could not dispute the charge. Then they transferred part of my balance to the new XXXX. These people need to be stopped, you can get balance transfers done for 3 %, not thousands of dollars. I would like to be able to get my {$1400.00} back. In the mean time, my husband went to our bank and got set up with a zero interest balance transfer card at no fee, then transferred all of the other balances to the new card, so that issue is now resolved. There should still be a way to recover my, in my opinion, fraudulent charge of {$1400.00}. CapitalOne must have a name and address where funds were sent! Please help! I am now fully aware of how ridiculous this entire process was, but having never needed this service, I simply did not know. 


XXXX XXXX XXXX
Consumer complaint received 2018-11-26
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (HI)

I signed a interest only payment for my private loans. I have steadily paged off my loans for 5 to 6 years and my balance has not dropped. I signed a interest only at 12.5 percent and now after 6 months it is up to 14.5 percent. My credit score is higher than it was when I signed the Interest only payments. But they have refused to offer me any other solution to lowering my parents which is XXXX not including my 6 other federal loans. They have only offered me interest only payments and they will not help lower my payments. Federal loans I have gone into income driven payments which has helped tremendously. I have save 200 dollars this way. A month between 5 other loans. 

I have had bad advice from this company. Early 2000s they had told me to stop paying my payments for 2 months andthe and they will have to offer me a reduced payment plan. Did that and nothing happened. I have been out of school for 11 years and 14 from  my.other school. I have yet to make a dent in the loan. I took out a private federal lone of XXXX and now it is up to over 30k. O have ran out of forbearance for my private loans and struggling to may other payments since this is my main loan confer to pay off. 

When in school my interest rate was set at 19 % my interest did drop to 6 but then jumped up again once I was making headway to paying off the loan. I am exhausting my funds and I am paying close to 800 dollars a month in student loans and I make close to 40k a year. 

I need some type of relief.
Consumer complaint received 2018-11-26
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Mathes Management Enterprises, Inc. (GA)

Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 
Account Number : XXXX Account Name : XXXX XXXX XXXX High Balance : {$18000.00}
Consumer complaint received 2017-02-16
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Transfinancial Companies, Inc (LA)

In XXXX of last year a {$60.00} collection suddenly showed up on my credit file and I immediately contacted the collection agency " XXXX '' about the account. I was immediately informed that the address they had on file was not the correct address and the letter they sent to me never got to me so that I could pay the bill before it ever went to collections and reported on my credit report. The agent agreed and it was understood that as long as I paid the {$60.00} account they would immediately remove the account from my credit report due to not having the right address on file. This conversation took place on XXXX XXXX, XXXX and I was told it could take up to 30 days. As of XXXX XXXX, XXXX the account had still not been removed from my credit file so I called them back and spoke with XXXX, the supervisor and she ensured me the account would be DELETED from my credit file within the next 24-48 hours and if not to call back as well as she would be sending me a letter. Here we are XXXX XXXX, XXXX and I 've called twice and left messages and have yet to have anyone call me back and the account is still listed on my credit report. I am in the process of purchasing a home and this is hendering my score. I only want them to keep their word as I did mine when I paid them.
Consumer complaint received 2022-07-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am appalled by the Credit Burueas ' ability to ignore a consumer requests for investigation and removal of the the items on my Credit Report despite the multiple letters I have been sendiong to them! The last letter I sent to the Credit Bureaus was XX/XX/XXXX with complete attachments of my Personal Information such as Driver 's license and SSN. I also attached the ID THEFT REPORT I have received from the FTC to prove to the Credit Bureaus that I am a victim of Identity theft. But despite all my efforts to and these attachents, I came to a conclusion that the Credit Burueaus are stubborn enough to not comply with the FCRA section 605b. I have read that the Credit Bureaus are required to remove any account and information that the consumer identifies as an items incurred due to Identity Theft. I am submitting this complaitn through the CFPB to excerciseand protect my rights under the FCRA regulations. If the Credit Bureuas chose not to comply with the FCRA and keep on ignoring my letters, it leaves me no choice but to pursue legal action and sue the Credit Bureaus for their incompetence and negligence. I need the following items removed as soon as possible! 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX Balance - Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance {$1000.00} Date opened XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Balance {$0.00} Date opened XX/XX/XXXX XXXX
Consumer complaint received 2022-12-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (MN)

I am writing to file a complaint about my credit card account, which has been closed without proper notice or for an invalid reason. 

I received an alert from a different creditor that there has been an account closed. I was shocked to receive this notice, as I had been making all of my required payments on time and had not exceeded my credit limit. 

Upon further investigation, I discovered that the credit card issuer had closed my account without providing the required advance notice, as stated in the credit card agreement. I have contacted the creditor, and they claim nothing could be done after an account has been closed. 

I am requesting that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to address the credit card issuer 's failure to follow the terms of the credit card agreement and provide proper notice. I also request that the Bureau consider my claim that the reason for the account closure was never provided. 

Thank you for your attention to this matter.
Consumer complaint received 2018-11-26
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. (PA)

Transunion File # XXXX page 4 of 10 XXXX XXXX XXXX XXXX is to be removed XX/XX/2018 and I have not received a copy from Transunion on an updated report removed
Consumer complaint received 2018-11-26
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC (NV)

In XX/XX/2018 my loan was paid off to wear lake financial my insurance paid almost XXXX wich was a total loss now west lake financial is arguing that I still owe XXXX because gap didn't paid all paper work including copy of gap insurance and claim number was provided by friendly XXXX where I bought my truck well today I tried to take a car out and is says on the credit that is a charge off well I found out that is a repo and that supposedly I signed a waiver for a gap I as mr XXXX for a copy of the paper and he just simply said il transfer you to someone else so you can tell them whatever you want! So I get transferred and I've been and the lady told me that I was calling the wrong number gave me another number and she said I do have gap insurance and transfer me to another number wich I was on hold for 30 minutes and nobody answer what can i do?????????? I can provide with all the paper work and copy of friendly XXXX contract where it says it was paid off
Consumer complaint received 2024-05-24
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (MA)

Federal Regulations Require the following : " A bank must make the first {$220.00} from the deposit availablefor either cash withdrawal or check writing purposesat the start of the next business day after the banking day that the deposit is made. The rest of the deposit should generally be available on the second business day. '' Per Federal Reserve Regulations. 

MARCUS by Goldman Sach 's has declared itself exempt from this policy. I am being told by their agent and by the website that I must wait ten days for the funds to become available. The bank 's policy of hold funds that have been deposited is contrary to US and XXXX banking Regulations. Goldman Sach 's continues to violate XXXX regulations as well by having this policy in place. 

There is no good reason for Marcus to be doing as as the funds are not listed as a certificate of deposit, however this policy puts into place of acting as a saving account, when it fact it is a certificate of deposit with a maturity date of ten days, which is also in violation of banking regulations.
Consumer complaint received 2022-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

I recently reviewed my credit file and unfortunately found that some of my personal information was incorrect and reported. You are reporting Information that belongs to someone else. I am writing to ensure you have the most accurate information in my credit file at all times. Please delete the following inaccurate information from my credit file within the next 15 days. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX
Consumer complaint received 2018-05-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL (NH)

I received a call from a debt collector on behalf of my TJ Maxx credit card in 2016. I explained to the representative that I had just had a XXXX and was out of work, so the representative asked me to borrow money to pay for my balance. I questioned if this was a legal as I was out of work with a XXXX. Since then I havent received any bills or phone calls from TJ Maxx attempting to collect the amount owed. Its been 2 years and I recently found out they are still reporting to the credit beaureau that my account is delinquent. I contacted their collections department and questioned why they werent sending any bills to my address or calling me. They werent able to give me an explanation other than they were sending me bills which is not true. I asked them to confirm the address and phone number they had in their system and it was correct but again, they failed to bill me or call me in regards to my pending charges. They went 2 full years without billing me or attempting to settle my balance. It seems to me that any collecting agency I worked with in the past would try to collect payment or offer settlement. They did not offer any assistance and told me Id have to pay for the balance right away.
Consumer complaint received 2021-07-13
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: U.S. BANCORP (FL)

US Bank issued a card in my name in relation to a fraudulent unemployment insurance claim in WI. Fraud claims have been filed with the CFPB and on the US Covid Fraud complaint site. Until XX/XX/XXXX, I was unaware of the fraud, after doing a change of address with the USPS in XXXX I got a notice about the overpayment. On Monday XX/XX/XXXX, after calling WI XXXX about the fraudulent UI claims and finding out the payments were deposited in my name at US Bank called US Bank to report the fraud to them. I found out that the funds were on a US Bank Reliacard at which point the representative attempted to transfer me and we were disconnected. After calling back and getting connected with Reliacard and explaining the fraud I was placed on hold so that the representative could cancel the card, again the call disconnected. I did not receive confirmation of closure of the card. Later that day I received USPS mail notification of mail from US Bank. This contained a request from US Bank ReliaCard requesting I verify my information using a picture of my non-expired government ID and a selfie. And asked to provide it to an electronic service that is only usable via smartphone or tablet. Additionally, this communication was sent to a different address than what US Bank would have had on file and no phone number was provided to contact the Cardholder service department. No mention of this was made in my call on XX/XX/XXXX with the US Bank representative and the letter was dated XX/XX/XXXX. 

It seems very risky to me that any service provider would not have verified information for a full year on an account with active card and deposits. It seems none of the involved parties verified my identity and as such my financial information is out there with all kinds of unknown communication having been sent to this fraudster.
Consumer complaint received 2021-04-13
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX  and XXXX  reporting false information after dispute filed by my self and XXXX XXXX, all documents sent for proof of false information filed of bankruptcys
Consumer complaint received 2020-12-16
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: EQUIFAX, INC. (CA)

I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.