davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BMO Bank, N.A. (IL)

Hello, I am writing today because BMO Harris Bank is holding over {$11000.00} in a checking account going on 5 months now. 

A very close friend/roommate of mine XXXX XXXX filed for unemployment and he asked me to use my account to deposit his direct deposit to, okay no big deal he does so. BMO then locks my account stating it's fraud I explain the situation to a man named XXXX who works for BMO Harris. Remind you this is on going 5 months now, the gentlemen XXXX who is very very rude and un-kind accuses me of fraud, okay no big deal I can bring XXXX XXXX into the BMO branch and he can explain it himself since that's who the deposit was for he just used my account because he didn't have his own at the time. XXXX directs me to go into a branch with My ID my social security card and Also my friend XXXX XXXX along with his SSN Card, Birth certificate, and ID. I take him to the bank, we do everything all followed along with every piece of his unemployment papers and they FAX it into " XXXX ''. I hear nothing from him, I've maybe spoke to him 2-3 times in 5 months I have spoken with several managers over the phone who work for BMO who also can not get ahold of this guy. There is 2 options legally they have to follow which is, return the funds to XXXX so he can get them resent elsewhere OR they have to mail me a check with my account balance. 5 months for nothing to happen is outrageous, thanks
Consumer complaint received 2019-09-04
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: CAPITAL ONE FINANCIAL CORPORATION (MI)

I just got my updated annual credit report and there was a credit pull from Kohl 's in XXXX of 2018 that I didn't authorize. I called the kohl 's number on the credit report from XXXX   and they said they had limited ability to see my credit report. the lady kept saying it was a hold on my credit and I said, " No, it was a hard inquiry into my credit. '' She said that the department I called couldn't do anything. 
I called XXXX  then and they said I had to call the company. I told them that I had and they were no help. He said there was nothing he could do. Someone has to be able to do something.
Consumer complaint received 2019-09-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

original complaint XXXX. 
the company responded saying they notified me earlier this year, but i never received a noticed to dispute or a notice with my rights to dispute. all i received was a bill with a due date, no listed right to dispute to claim was listed on it.
Consumer complaint received 2018-11-21
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Neon Newco Corporation (NJ)

XXXX sent me a debit card with my name and a CVC code on back. The paper attached also had an account number and routing number, and it said to call to activate it. I called once, but was unable to reach a live representative. I want to know why the card was sent, as I did not order one. I am concerned because I can not reach anyone, and want to know what is going on ( i.e. If my identity has been stolen ). If this is just a advertisement, then this kind of the confusing commercial behavior need to be stop to bother customers.
Consumer complaint received 2024-06-01
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Self Financial Inc. (FL)

I been doin business with self leder for years and iam still doin business with them because dis is to re building ur credit it brought my credit a long way frm were it user too be at but still have like 4 late payments dats holding me back I got those because I was trying to build credit why I was dealing with XXXX also I got credit card with them and last year credit builder acct I paid my acct off and full and they give me 25 % of da money and they said they will send da other 75 % to da credit card acct wish is charged off rite now they never apply da balance too dis account now da card is charged off
Consumer complaint received 2019-09-04
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (OH)

In XXXX I ordered apparel on-line from XXXX XXXX. I received the three like items which were defective and notified the retail store. They had requirements to meet to issue a credit which I fulfilled. When I received a bill from Comenity I phoned immediately and advised them that the items were being returned and a credit issue, therefore I would not be making the payment. They noted the account. 
In XXXX I received another bill for the purchase amount, interest and a late fee of {$33.00}. I phoned again and their response was, " That's not our problem. '' Finally XXXX XXXX issued the credit and I paid the shipping and sales tax which they had not included, but I just wanted it done so I paid it. 
The next month I received another bill showing the credit and my payment, but continuing to accrue late fees and interest. I phoned again and they said, " We don't care what they did. We'll continue to charge you until you pay it. '' When I said, " But you are charging me for nothing '' they said, " And we will continue until it reaches an amount that makes it an amount to send to collections. '' The Late Fee went from {$33.00} the first month, {$38.00} the second month, {$39.00} the fourth month, and they are adding interest each month. My last bill was {$230.00} for NOTHING! They are also reporting monthly to credit institutions which is lowering my credit score drastically. I phoned them again and they said they didn't care.
Consumer complaint received 2019-09-04
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CIT BANK, NATIONAL ASSOCIATION (FL)

Cit bank has cook the books for one west bank and for XXXX XXXX by using constructive fraud and avoidance tactics with super lawyers from XXXX XXXX and XXXX XXXX To seize my property at XXXX XXXX XXXX in XXXX XXXX XXXX Florida and for XXXX XXXX XXXX deliberately defaulting the equity line And reporting me as late to the credit bureaus while Ive been in foreclosure for 12 years because of one west bank impropriety and XXXX bank fraud that XXXX XXXX and cit bank Exploited to extort me and my XXXX partner with hundreds of thousands of dollars while they funded on in a legal foreclosure by paying their super lawyers in XXXX XXXX to avoid all the liability claiming it wasnt them when they are the ones committing the act of constructive fraud and using lawyers to avoid that after they cook the books so that they make millions of dollars in profit on a marketable asset that is my home and business that they seed and stole from me with fraud and backdated documents with forgeries and perjury so that they could pay XXXX XXXX and XXXX XXXX and XXXX XXXX huge dividends after they steal peoples property that wanted to keep their properties and were foreclosed on by their crooked accountants who misapplied payment last documents and backdated forge documents just to force the losses onto the homeowner when theyre the ones that refuse payment and we were never late because I want against them in XXXX and now theyre retaliating to retaliating against me Because they wash the books just like the mafia does with fake accounting and fake assignments and fake forge signatures Which allows them to money launder and steal peoples houses in XXXX
Consumer complaint received 2019-09-04
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: Experian Information Solutions Inc. (MN)

I need my XXXX  XXXX on credit report to state current. It is reporting negative on XXXX, Experian, and XXXX from the XXXX XXXX XXXX XXXX  XXXX   XXXX. XXXX XXXX my XXXX XXXX worker said that she will update my file as current. She works out of the XXXX County Division. She can reached at XXXX. She told that she will me a letter. Yet, I have not seen a letter or heard any thing from her in regards to honoring what she agreed to do,
Consumer complaint received 2019-09-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I need my XXXX XXXX on credit report to state current. It is reporting negative on Transunion, XXXX, and XXXX from the XXXX  XXXX XXXX XXXX XXXX   XXXX. XXXX XXXX my XXXX  XXXX  worker said that she will update my file as current. She works out of the XXXX County Division. She can reached at XXXX. She told that she will me a letter. Yet, I have not seen a letter or heard any thing from her in regards to honoring what she agreed to do,
Consumer complaint received 2019-09-04
Product: Checking or savings account — Savings account
Issue: Opening an account — Confusing or missing disclosures
Company: HSBC NORTH AMERICA HOLDINGS INC. (FL)

I opened an account with HSBC direct savings on or around XX/XX/2019. Application id # XXXX. I was told that additional verification was needed to determine my residential address. I was asked to submit a utility bill for verification of residential address. I submitted a copy of my electricity bill on XX/XX/2019 via email. When they got the bill they started making excuses that the bill was not right. Now they started questioning the balance on the bill but it was not anymore about showing " residential proof ''. I was told that because my bill had a balance that my application for a savings was being denied. I was surprised and confused at first. I did not know that because of my balance I could be denied and I was never told that a bill without a balance was needed. I mean who has utility bills pending and there is no balance or pending payment coming up? Is ridiculous. I am convinced that this bank HSBC found an excuse to deny my application without justification for the sole purpose of " DISCRIMINATION ''. I don't believe this bank and I think they are using racial profiling to discriminate about certain individuals based on race. I will provide a copy of my bill and there is nothing wrong with my utility bill except a balance coming up by the end of XXXX. After talking to XXXX over the phone on XX/XX/2019 at XXXX I was told that my application was being denied because there was a balance on my account and also a late payment fee on my bill. About 10 minutes later I got an email saying that my application was being denied because " they were not able to verify the address of the applicant ''. Just to cover themselves they sent this email explaining other reason for the denial. This whole process smells fishy to me and I don't trust this bank and I know they are not following proper rules but discriminating against XXXX applicants. Is just not a sufficient reason to deny my application because there was a balance. There is got to be a more serious reason and they don't have one to explain. In conclusion HSBC Direct Savings is a discriminatory branch against XXXX is my conclusion with no basis for denying my application. Is ok if they don't want my money but they have to have a valid reason and they don't have one. I have provided copies of correspondence on this complaint for evidence purpose.
Consumer complaint received 2019-09-04
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. (FL)

THE DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.
Consumer complaint received 2019-01-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A. (OH)

I received a XXXX XXXX check from XXXX XXXX which I deposited on XX/XX/2019. PNC. PNC erroneously rejected the XXXX XXXX deposit on XX/XX/XXXX and then had the unmitigated gaul to charge me a {$12.00} service charge on XX/XX/XXXX. I called PNC XX/XX/XXXX and requested a reversal of the {$12.00}. I spoke with PNC rep XXXX XXXX who had no business common sense whatsoever. Instead of reversing the transaction of a 30 years customer with very high balances he chose to not refund my {$12.00} even though he could see the XXXX XXXX check was valid and that the {$12.00} service charge was based on a error by PNC. I want my {$12.00} refund, PNC to be reprimanded and PNC reps to be retrained.
Consumer complaint received 2019-09-04
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: CITIBANK, N.A. (WA)

I've had so many problems as a result of customer service at Citi Bank and the AAadvantage card. 

1st Issue : I did not receive the card for 1.5 months after signing up because they had my apartment number wrong. I called 3 times and each time no one recognized the error. 
2nd Issue : I had to postpone a major purchase that I was planning in order to meet the minimum. 

3rd Issue : After 2 days of use, I had my first fraud. 

4th Issue : They would not expedite a new card and I had to wait another week to receive the 2nd card ( still postponing the purchase ). 

5th issue : When I went to make this purchase I was denied at XXXX XXXX   because the purchase was too large 6th Issue : When i tried to call on the spot at XXXX XXXX  to get them to allow the purchase, I was on the phone for 1 hour trying to verify my identity ( apparently social security number wasn't enough ). After a myriad of questioning, 2 supervisors, and them telling me they could not verify my identity to make the purchase, they asked for another credit card number and for the number of that credit card company. 

7th issue : When i finally made the rewards, I realized that the flights offered on XXXX XXXX were the worst possible routes. For example ... XXXX to XXXX with 2 stops and an 8 hour layover. 

8th Issue : After less than a year of use I stopped using. I was charged a XXXX dollar membership fee on XXXX statement when the first year fee should have been waived. I did not make my first purchase until end of XX/XX/2018 because it took so long for the card to arrive. 

9th issue : I received a late fee, of which they were unwilling to waive because of the membership fee that was charged early. 

10th issue : After only 1 month, the bill was sent to collections! 

11th Issue : I was on the phone for 2 hours with customer service trying to get the membership fee either waived or credited. After speaking with 5 different representatives I finally learned that I could transfer to another card and receive a credit on that new card. Still no late fee waived. 

12th Issue : The person on the line who transferred my credit card would not allow me to interrupt his recorded required speech on the new card and thus i was forced to write my questions down until the end of his 15 minute speech. One question was ... is the address up to date. It was not, and of course he said he could not change that address now because he was too far into the process. I had to call back in order to change it. He informed I should pay the balance off right away online 13th Issue : I went to pay the credit card off online and of course I could not because the card had already been transferred. I had to call back and pay by phone.
Consumer complaint received 2019-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SUNTRUST BANKS, INC. (PA)

Account # : XXXX This complaint is to inform you that the above referenced account being reporting by your company on my credit reports is hereby disputed for lack of completeness and/or accuracy. I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct an investigation as outlined in the FCRA Section 623 : Upon obtaining my credit reports I noticed several inaccuracies being reported across the three credit bureaus.

Suntrust is being reported as 3 different names and 3 different payment addresses XXXX  has XXXX/SUNTRUST XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX XXXX has SUNTRUST BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX XXXX has XXXX/SUNTRUST XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX Account Type XXXX : Installment account XXXX : Education Loan XXXX : Installment XXXX : payment status is listed as 120 days past due XXXX : payment status is listed as at least 120 days or more than 4 payments are past due XXXX  payment status Acct renewed or refinanced
Consumer complaint received 2019-09-04
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: Experian Information Solutions Inc. (NY)

I contacted XXXX numerous amount of times about them reporting incorrectly. I reached out to the XXXX  about them Inaccurately reporting a XX/XX/XXXX payment. They eventually deleted the XX/XX/XXXX late payment. After deleting the late payment they started reporting a XX/XX/XXXX late payment which never showed before on my credit report until they deleted the XX/XX/XXXX late payment. 
As stated before i have reached out to XXXX multiple times and they are very rude and unhelpful.
Consumer complaint received 2018-09-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synter Resource Group, LLC. (CA)

Received collection notice from Synter Resource Group , LLC . claiming I owe debt to XXXX for {$28.00}. I do not owe this debt. 

Synter 's file number : XXXX Date of letter : XX/XX/18
Consumer complaint received 2018-11-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (IL)

Two loans 1- subsidised 1- unsubsidised Navient consolidated loans without my permission - verbal or written Since XX/XX/2010 all payments paying interest only!!! Four years of first double payments, then single payments paying consolidated loans without my permission. Contacted Navient many times. No resolution. I see online that thousands of complaints filed and several lawsuits class action underway. 

This is a nightmare!
Consumer complaint received 2019-09-04
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Thaxton Investment Corporation (AL)

I called and spoke with a Ms. XXXX with Covington Credit Collections to make a settlement payment in the amount of {$200.00} from a balance of {$340.00}. It was agreed to payoff the settlement in the amount of {$200.00}, payment was made with a Visa Debit Card on XX/XX/2019. I later find out that It was reported to XXXX  that I owed a balance of {$130.00}. Covington Credit Collections reported to XXXX no collections, reported bad debt to an to XXXX. This company is fraudlent trying to destroyed my credit through another credit company. They will lie to you about paying off your debt as if you're making payments that I didn't agreed on. The staff is very rude to you, with very poor customer services. This was a " settlement to clear a debt owed and not make monthly payments. I also continue to call for a receipt but the company never would release it. The payment was bank drafted from my checking account.
Consumer complaint received 2018-11-21
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 (GA)

I have reached out to XXXX XXXX on several occasions to report accounts that are fraudulent as well as the 3 major credit bureaus, XXXX, XXXX and XXXX. XXXX removed it per my request and demand, however XXXX  won't remove it even though XXXX found it to be fraud and removed said accounts. The account was being reported to my credit multiple times, once by the original creditor, Capital One and then again by the collection agency, XXXX XXXX. XXXX XXXX fails to cooperate with my request after multiple demands to their letter. They are now in violation of the Fair Credit Reporting Act Section 623 ( a ) ( 6 ), Section 623 ( a ) ( 9 ), Section 623 ( a ) ( 2 ), Section 615 ( f ) for which that reads : Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ).

A copy of my photo ID has been attached.

I am unable to include my social security card as the card has been destroyed over the years and a new one is not available at this time.