davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-03
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: Bread Financial Holdings, Inc. (TX)

Comenity Bank approved a XXXX card for me on XXXX/XXXX/XXXX. I received a credit bureau notification the they account was closed on XXXX/XXXX/XXXX. Both the online and voice status of the account indicated that the account was active. I called the bank again and spoke with a bank agent. They told me the account was closed and tried to help me find out why. They said it was a based on a recent credit pull that show a lot of credit inquiries? They would not say what they meant by a lot of credit inquiries. They said a letter was being sent. I finally received the letter from Comenity Bank and it said it was closed due to too many credit inquiries. The credit bureau referenced was different from the one that they pull to approve the account. When I received the card from them, there was no disclosure to what credit score or bureau was used to approve my account and determine the account APR. I have many other accounts with the bank with XXXX late payment history. I have a 3 year good payment history with the bank. In fact I have always paid any account balance in full upon receiving a statement from them. I had already made numerous payments on this account. They should not have approved the account to begin with if
Consumer complaint received 2015-03-31
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Dynamic Recovery Solutions, LLC (FL)

They use a robo phone to contact me and threaten mme with a XXXX year old debt that 's not even mine. 

They harass me all day and will not provide any documentation as to what the debt is XXXX on a Visa card??? That 's what they say I owe. That 's fraudulent
Consumer complaint received 2016-09-29
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I receive telephone calls from Portfolio Recovery Harassing me about an account XXXX I have never done business with them. They Claim XXXX XXXX Bank was the seller when was this and for how much? They state that I owe them {$1600.00}. 
This is false XXXX XXXX was more than 8 years ago for less than {$200.00} while I was sick. XXXX had been up for many many years and these people continue to damage my credit. 
They should be fined for harassment calling, false reporting, harassment.
Consumer complaint received 2016-07-11
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA (NJ)

I get calls a number of times a day on my cellphone ( XXXX XXXX to collect a debt from Kia Motors Financial ( XXXX ). Neither I nor anyone else in my house own a Kia vehicle. Neither I nor anyone else in my house have a loan with Kia Motors Financial. The person they are seeking collection from is not myself or anyone in my house. I have told the reps a number of times and they tell there is nothing they can do and they can not change the telephone on file until the loan holder contacts them and instructs them to do so.
Consumer complaint received 2016-02-02
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: DISCOVER BANK (NJ)

Hello, I opened an account with Discover Bank and a bonus offer code of XXXX. Through this bonus if Discover Bank received an ACH deposit to my account for over XXXX dollars per month I would be eligible for a XXXX dollar bonus. I met these requirements as of XXXX 2015. Their fine print states that the bonus will be deposited within 30 days of fulfilling the deposit requirement. I opened my account XXXX XXXX 2015. 

I have spoken to Discover Bank on two different occasions now and they have not been clear about depositing the bonus owed to me.
Consumer complaint received 2021-04-29
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Advance America, Cash Advance Centers, Inc. (LA)

Advance America located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX Has called my employer 3 times. After the first time I asked that they stop, the nice lady said she would notate that on the account. However, they have not honored the fact I ask them not to contact my job. It is one thing to try and collect what is owed but it is another to harass people at their places of employment.
Consumer complaint received 2016-09-25
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

When I struggled to stay in my home in 2010, my primary mortgage holder HSBC was almost impossible to deal with. In the end, I believe all I received was 10 years added to the length of the mortgage and I was not given a low interest which would have been of more assistance. I was also not informed that I may have a looming HELOC crisis on my second mortgage. I feel I have been misled by HSBC and defrauded by XXXX
Consumer complaint received 2022-08-09
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: LEXISNEXIS (CA)

n accordance with the Fair Credit Reporting act US BKPT CA XXXX XXXX Reference # XXXX XXXX. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Lexis Nexis did not conduct a proper investigation according to the FCRA. Nexis Lexis did not conduct family members. Nexis Lexis did not accurately verify with the courts. The courts clearly said they do not verify or give information to any consumer reporting agencies. Therefore, Nexis Lexis either made a mistake or lied. I was not able to submit documents. I can mail or fax documents from the courts.
Consumer complaint received 2017-05-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (WA)

In 2007 I had an account with Wells Fargo in XXXX Washington. I closed this account but I was still getting statements. I called to inquire but was told " the account was n't my concern, it 's no big deal, we do n't see what the problem is, everyone has these types of accounts, do n't worry about it. '' I did not authorize Wells Fargo to open this account in my name and when I attempted to find out why they 'd done this, I was treated as though I did n't matter. I was " XXXX '' like I was n't supposed to be concerned or upset. Wells Fargo then blocked access by me to any information about accounts in my name. They attempted to assure me that this was all in my imagination. I felt powerless. I 'm XXXX XXXX and they treated me like I was too XXXX to talk to. I did n't realize that I could be part of this settlement, I hope I 'm not too late to be included, but I was terribly mistreated by this huge organization then I was treated as though I was crazy for saying anything about it. Please Help.
Consumer complaint received 2015-10-13
Product: Prepaid card — General purpose card
Issue: Fraud or scam — 
Company: Empowerment Ventures, LLC (SC)

I have a account with Rush card and my direct deposit has not been given to me, and I 've called customer service and keep getting hung up on. The automated system said they can not locate my account with my social security #. I really need my paycheck.
Consumer complaint received 2015-09-03
Product: Bank account or service — Other bank product/service
Issue: Problems caused by my funds being low — 
Company: Empowerment Ventures, LLC (DC)

I was working with your agency on a case that you referred to the Office of the Comptroller of the Currancy ( OCC ), but you never gave me the case number for my case over there. I believe this company, RUSH card has me in a SCAM so I need to discuss it with them or with you to update you on my new developments on this same issue. What do I need to do now to provide my updated information? I do NOT want my case closed yet because of new developments! PLEASE!!
Consumer complaint received 2023-03-28
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. (CA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. XXXX XXXX Date Open : XX/XX/XXXX Balance : {$24000.00} and XXXX XXXX XXXX Date Open : XX/XX/XXXX Balance : {$1800.00}.
Consumer complaint received 2017-10-14
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc. (WA)

I contacted I.C System regarding a letter they sent regarding a bill from XXXX. They said they had not reported the bill to the credit unions, which I had verified prior to calling. They said they were not reporting the bill to the credit unions. We came to a payment agreement. I paid agreed. They reported to the credit union, making it look like the bill had n't been paid in 2 years, which was not true. I paid as soon as XXXX verified the breakdown of the bill was accurate and that I had received credits that I was due. 

I.C System maliciously caused my credit rating to drop. I.C. System reported after it had processed payment. Prior to our making payment arrangements they indicated they had no reason to report a debt paid as agreed.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

hello, I am a consumer and I am federally protected and I have issues with all the consumer reporting agencies and they are not following federal law and my right to have the fraud alerts removed and deleted and the credit freeze must be promptly deleted and removed. I DO NOT want any fraud alert on my consumer file. Please have these companies delete and remove all fraud alerts and freeze on all my reports. XXXX transunion and XXXX. They are causing me harm and damages as I am not getting the credit offers i am in need of. I demand that they get my reports promptly corrected. thank you
Consumer complaint received 2016-06-12
Product: Prepaid card — Mobile wallet
Issue: Adding money — 
Company: Blackhawk Network Holdings Inc. (OR)

I bought a reloadit pack from Blackhawk network. I am trying to add {$500.00} from their website to XXXX of my netspend cards and both cards are coming up restricted on their end. I have a total of {$1500.00} worth of reloadit cards that I need to use to put money on my netspend card. Both companies are saying it 's the other. I just need this figures out I leave for a vacation at the end of the week.
Consumer complaint received 2023-07-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (WI)

Everything I had saved in my chime account was taken from me ranging from dates leading all the way up to XXXX of XXXX. This account was always used as a savings account and I never ordered a card for it. I disputed the most recent transactions adding up to {$2500.00} last month and it was approved with no problem. The other large amount of money has been a lot trickier as I was not aware that I could dispute that many transactions in one until a representative let me know. The total amount was a little over XXXX XXXX dollars. I first disputed these transactions around XX/XX/XXXX. The dispute was denied in under 2 hours. I just received the documents that was used to come to a conclusion today even though I requested them 2-3 weeks ago which puts them over the deadline they gave me. I opened another one the following day and that one was again denied within the same day. I have provided all the necessary information to ensure that the company understands that none of these transactions were made by me. I provided my XXXX XXXX history showing that I never had a chime debit card connected to it nor have I EVER received transactions from a chime debit card for any of the given amounts. I showed them emails I received of my passwords and pins being changed despite never having a debit card. I provided proof of my chime account being logged into from a different state. One that I have never been to or even know anybody that resides in. I have spoken to XXXX support and there is nothing that they can do for me since I do not know the person that made these visa transactions. The information chime provided to me made this even more frustrating, as It was nothing but pictures of the transactions I disputed with no further detail or explanations on why i was denied. I have called every day since reopening the case and I receive the same answer every single time. It is the same automated script I have gotten since all of this has started. The very few times I have been able to connect to a supervisor and share with them the information that I have, they understand my frustration and have even told me that if it were up to them, I would have already gotten my money back by now. I dont know if that makes me feel better or worse because it tells me that the investigation team is either neglectful or incompetent and regardless of what it is, everybody needs to know that chime is unreliable and nobody should bank with them whatsoever. I have been nothing but patient and respectful with them only to receive nothing in return when I have shown more than enough to prove my case. Hopefully this complaint speeds up the process at least a little bit. I will he providing the same information I provided chime in this complaint as well. Thank you so much for your time. The chime dispute Id number is XXXX
Consumer complaint received 2021-06-06
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. (IL)

This is absolute Insanity with this company. My credit score dropped XXXX points in one day - despite the fact that I've paid my credit cards down even farther! They've also reduced my already incorrectly reported credit history by another month! 

This is affecting my ability to get hired with a consulting firm that works in the financial industry!
Consumer complaint received 2017-02-24
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WA)

On XX/XX/2017 I authorized automatic payments on the XXXX of every month starting XX/XX/2017. An unautorized payment was run by PRA Group Inc on XX/XX/2017. I called my financial institution, and they stopped the transaction and released the funds back into my account. I then emailed and called PRA Group Inc and demanded they cease and desist any and all efforts on my accounts with them due to their practices breaching the FDCPA by processing an unauthorized trasnsaction without my consent. On XX/XX/2017 PRA Group Inc ran my financial information again, and collected the payment a second time, after being notified to cease and desist for the original unauthorized payment.on XX/XX/2017, due to violating 15 USC 1962e ( 10 ) and 15 USC 1962f ( 1 ) ( 4 ). Thank you for your time.
Consumer complaint received 2016-01-29
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Focus Holding Company (AR)

Focus Recievables Management calls my home multiple times a day. When I answer, it is just a recording asking me to call back. I do not owe any debts to any company, so I attempted to call back 4 separate times to ask them to stop calling me. Each time, the line says all representative are busy. Yet, the company calls me nonstop.
Consumer complaint received 2016-02-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: REGIONS FINANCIAL CORPORATION (AL)

Regions Bank took money out of my savings account to cover an overdraft fee which my daughter incurred. The company stated because I am listed on her account that they can go into my account and take any fees due if she does not pay for them. I am not happy because I was made aware of this after the fact of Regions Collection going into my savings account and taking money out without my authorization. I feel like a victim of Identity Theft. This is a policy that should be changed. No one including Regions Bank should go into my accounts and take money out without MY AUTHORIZATION,
Consumer complaint received 2015-11-29
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: REGIONS FINANCIAL CORPORATION (GA)

Regions Bank has taken XXXX out of my account because of overdrafts. I know this is my fault, but why do they keep putting thru checks that can not clear more than once? Im XXXX and they have no mercy on me. Why are these charges so expensive? Cant they be XXXX dollars? My son is going to help me, but this is a disgrace for a bank to be this greedy!
Consumer complaint received 2016-09-25
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Capital One/Kohls has been reporting a past due balance of {$880.00} on my credit reports for a closed account which they recently changed to an open account on XXXX ( still closed on XXXX and XXXX ). This has had a very negative affect to my credit score. The last activity per my credit reports is XXXX. I am not aware of the past due amount and they have never attempted to collect as I never received any mailings on it from them. I have sent them XXXX certified letters with receipt confirmations to request account validation bearing my signature and and they said their reporting is correct. They have not sent me the requested validation showing my signature or that I am obligated for this debt which is well over the SOL. In addition, the information they are reporting is inaccurate. how can an account have a balance past due when its been closed for years. Then they reopen it on XXXX? The credit bureau is reporting inaccurate information. In addition, Capital One/Kohls did not add the consumer dispute comment on any of the CRA with in the 30 day deadline. They need to now delete this account from all CRA
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

FCRA 605B says accounts reported incorrectly must be taken off credit reports. I'm not exactly sure what's going on, but could you review the accounts in the documents? They're not accurate on my credit report, including their status. This situation has upset me, and I'm not feeling well. Can you help me with this?
Consumer complaint received 2016-08-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Jim Bottin Enterprises, Inc (TX)

I had membership for XXXX in XXXX, TX. I paid my membership as an automatic payment. They closed the gym " temporarily '' XX/XX/2016. I continued to pay my monthly dues until XXXX 2016 with no facility to work out at. I went in to XXXX, Tx to see if I could cancel my membership. I was told there was a XXXX XXXX XXXX XXXX I could choose to work at. The XXXX gyms are over XXXX miles away from the facility I had signed up at. I chose to cancel the membership and the rep signed off on the termination. I was not billed for XX/XX/XXXX and XX/XX/XXXX. I was billed for XX/XX/XXXX, which I called to see why they debited my account. They stated I was still responsible for the payment. I told them a furniture store had moved into the old XXXX XXXX I had signed up at. They did n't care about that fact. They told me it was to open up shortly. I told her it could n't open up, as a furniture store was operating out of the same building. They then stated I could work out at XXXX or XXXX. I informed them they were too far away from where I lived and I had infact cancelled the contract back in XX/XX/XXXX. She stated that XXXX was in receipt of the cancellation notice. She stated because they failed to fax it to them, " the billing company '' that it did n't count. They could n't get a hold of the gym, therefore we would still need to pay the contracted amount. I disputed that, as I never signed a contract with them. They sent me a link and asked me to register to obtain a copy of the " agreement ''. I never signed this contract. My signature was electronically placed on this document, as it was the first time that I 've seen this document. I asked how it was that they could bill me for a service they could not provide per their contract if they do not have a gym within XXXX miles. The gym was closed for more than 30 days, as it has been closed for 8 months. They could not keep their side of the contract and I 've requested that they not charge me. They state they will continue to charge even though they can not provide the service. The gym XXXX the XX/XX/XXXX and XX/XX/XXXX invoice the billing company provided to them. I then told them that was their sign that it was a terminated contract ; however because they can not reach out to Nautilus, they have decided to keep billing me. This is not fair and is very much a breach of their contract. They want me to pay for a service they can not provide and will not listen to my calls and pleading for them to stop billing me.
Consumer complaint received 2015-10-21
Product: Payday loan — 
Issue: Can't contact lender — 
Company: BlueChip Financial (IN)

I am receiving suspicious calls from a company saying that I owe money from a payday loan. They are constantly calling leaving threatening voicemail messages. They say that they are going to serve me papers to sue me for check fraud. I asked them to send me written verification by mail. They refused. They wo n't give me any legitimate information. No full company name, no mailing address. The phone calls coming in are from numerous numbers.
Consumer complaint received 2015-09-30
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Have letter dated from XXXX/XXXX/2015 from debt that is over 10 years old and has had many CFPB complaints filed on it before, removed from credit reports several years ago, now getting threats to collect.