davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

XXXX of Monday, XX/XX/2024 entered XXXX XXXX to apply for bank account and was denied by a XXXX consumer reporting agency inspector General whom discriminated against I with post master. Agency employed XXXX XXXX XXXX block against customer. Web site didn't address I by Dear and sincerely indicating an inspector General active against bank company and customer.
Consumer complaint received 2023-02-01
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. (TX)

I just recently reviewed a copy of my credit report and noticed a couple of fraudulent accounts that I did not open or authorize. I am a victim of identity theft and need this incorrect information removed from my credit report. It is affecting the way I live and my children. Thank you.
Consumer complaint received 2022-11-14
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: Experian Information Solutions Inc. (OH)

On XX/XX/2022, I received an email congratulating me on a new XXXX XXXX card that I did not request or open. I immediately called the XXXX XXXX charge services number and reported the fraudulent card. I was told someone from the XXXX department would reach out to me via call or email. I asked whether the account would be closed immediately or at least blocked until the investigation was completed and it could be closed. The representative just said, " don't worry, ma'am, they will handle this correctly. '' I never heard from anyone and then received the physical card in the mail ready for activation. This was over a week after my call. On XX/XX/2022, I called the XXXX XXXX charge number again because even though I disputed the inquiry on my credit reports, the account still appeared as XXXX of my accounts. This could have been prevented by closing the account on XX/XX/XXXX as I requested due to true identity fraud. When I called in XXXX, I was told the XXXX department wouldn't have reached out to me and that the information I was provided was incorrect. I was given a separate phone number to call instead of connected directly to the fraud department. The account should never have been opened, and my credit report should not be affected by the identity theft that occurred. The inquiries were not even posted yet when I called in the first time.
Consumer complaint received 2024-04-30
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc (FL)

I purchased an electric scooter from XXXX with a loan from Affirm but they sent to me the wrong item which is not in dispute by either party. 

I tried to return the item for a refund or exchange for the product that I actually purchased but was given conflicting, erroneous and misleading information from XXXX and Affirm. Affirm began to make up out of thin air obligations that were not written in the loan agreement such as a 60 day notification window which is not mentioned at all in the agreement. 

In addition one of their own representatives told me that a wrong product delivered should nullify the interest payment but they could not tell me by how much specifically and refused to nullify the interest payment for a product previous return. 

Neither Affirm nor XXXX reached out to me to clarify or resolve this issue despite my multiple complaints. I had also repeatedly asked to go to arbitration as per the agreement which they ignored. I think AFFIRM has violated the Truth in Lending act by not specifying the interest payments and lying about the loan agreement. Documentation is available upon request.
Consumer complaint received 2022-11-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC (MD)

Aldous & Associates ( " Aldous '' ) has repeatedly taken steps to ruin my and my partner 's respective credit while the alleged underlying debt is disputed ( it would appear that Aldous suggests the disputed account was joint, and thus it decided to attack both of us ). In fact, we want to report our belief that Aldous violated 15 U.S. Code 1681s2 ( and other consumer protection applicable law ) in their blatant disregard for consumer rights and handling of this issue.Aldous has continually ruined our respective credit by reporting the disputed debt as delinquent when they knew or had reason to believe that their information was inaccurate. Once we became aware of Aldous, we respectfully and painstakingly informed them that the debt was not ours, and asked for additional information both electronically and telephonically. We even had an attorneycall Aldous to fact-gather. Aldous has blatantly and systematically ignored all of our requests and statements regarding the inapplicability of the alleged account. Instead, Aldous decided to take the predatory route in attacking our respective credit reports ( which some might consider, as performed here, financial XXXX  ) before providing us with information and addressing our information that the account underlying is disputed. 
Overall, the alleged bill is based on services that were not rendered. As our credit reports show, we pay our debts. We refrained from paying this alleged bill because we needed further information from Aldous, which it decided it simply did not want to provide us ( and because we do not owe thealleged figure. Again, we always pay our debts as history shows ; this is a matter of right and wrong. We will not pay something that is not owed. And, we are disappointed that an entity which holds itself out as being a law firm ( Aldous ) would adopt such scofflaw practices in clear disregard to well established U.S. consumer protection principles and rules.
Consumer complaint received 2024-04-22
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (TX)

I noticed that I kept having two interest charges on my statements each month. The first was " STANDARD PUR '' and the second was " PUR PR XXXX. '' I couldn't find any of what this meant in the glossary on their website, so I reached out to them. I was told that this was an interest for " amount unpaid for the purchases prior to XX/XX/XXXX. The unpaid amount is {$2300.00}. '' I pay more than the minimum each month, and have paid more than that amount in XXXX alone. I was then told that " The minimum payment is first applied to any interest charges, late fees, and past due amounts ( if applicable ). The remaining portion of your minimum due will be applied to the balance with the lowest interest rate. Any amount paid over the minimum due, will be applied to the balance with the highest interest rate to lower interest rate however it will be applied to billed transaction before unbilled. If you have more than one balance at the same promotional interest rate, and no other balances at a higher interest rate, the payment is then applied to the promotional offer that expires first. '' I read this a few times and I'm still yet to understand why my payments aren't being applied to the oldest charges. I confirmed that my current purchase APR has a variable rate of ( XXXX 8.5 % ) + 11.99 % totaling 20.49 %, and that my purchases prior to XX/XX/XXXX have the exact same. I have requested all of my statements to see how much I need credited back to my account, but it takes 48 hours for them to pull this information. There was also no way to save the transcript between me and the rep of the company. To reiterate, I am not asking on charges on standard purchases, but why I'm STILL paying INTEREST on charges from over a year ago when I've paid much more than that balance even just in XXXX.
Consumer complaint received 2023-03-30
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. (PA)

I recently reviewed a copy of my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a new home for my family. please remove the fraudulent accounts from my credit report immediately.
Consumer complaint received 2024-04-30
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION (VA)

I requested to close my Truist credit card on XX/XX/XXXX. Recently, while I was checking my Truist online account, I noticed fraudulent charges of approximately {$50.00}, and the credit card was still listed as active. I was charged a late fee for payment as well, of {$20.00}. I immediately called and reported the fraudulent charges to Truist on XX/XX/XXXX. On XX/XX/XXXX, I received a call from Truist 's collections department asking when I would pay the {$70.00} due on my account. I informed the gentleman that there were fraudulent charges, and he said, " Oh, we wouldn't know about that. '' He said he would note it, and we hung up. Today, XX/XX/XXXX, only a week later, I received another call from collections asking me again when I would pay the {$70.00}. I said the same thing, that these charges were reported to the fraudulent department, and she said, " Oh, we wouldn't know about that, '' and " You should call the fraud department and see what the status is. '' Why aren't Truist 's departments talking to each other, and why am I being XXXX by collections?
Consumer complaint received 2024-03-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (CA)

On XXXX2024 I reached out to my bank Chime about a referral promotion for referring my friend to open a checking account. The original promotion was for me to refer a friend and if they open an account, activate a debit card, and record at least a {$200.00} direct deposit within XXXX  days, that I would receive {$100.00} and my referee would also receive {$100.00}. The first XXXX actions were completed, but the final action was completed approximately XXXX week late on XXXX XXXX, 2024. I reached out to chime via their live agent chat feature through their mobile application. After verifying my identity and the identity of my referee to the agent, and informing the agent XXXX that the deposit was not before but around the due date for the deposit, that I would like to see if they can still honor the promotion for my account. I also requested that she consider a larger promotion that I received an email for on XX/XX/XXXX with all the same qualifications but for {$170.00} for me and {$100.00} for my referee. She agreed and asked for the email of my referee, and a moment to review the records. Upon reviewing she stated I was eligible and that I would need to call member services phone line for a manual credit to be applied. I then confirmed if she was referring to the bigger promotion for {$170.00} and she confirmed yes. I then asked her to put the details on my account notes so that the phone call would be more efficient. She stated the details were provided and it would be efficient. Upon calling, each representative and supervisor stated that the agent was incorrect and essentially lied to me. I spoke to several phone representatives and stated this was unacceptable and they should honor her written words. After XXXX hours of calling, I experienced several other issues including ; being hung up on, being told I would be transferred to a superior even though I was not, being told by another chat agent ( supervisor ) again that I am eligible for the {$170.00} promotion, being told that phone support can not see chat support written communications, and being told that there are no escalations of my issue beyond a XXXX level supervisor, i decided to file this complaint. I have included screenshots from both the chat agents I spoke with. 
I believe I am entitled to the promotion that promised to be honored despite a simple timeline of deposit being missed. I also feel I am entitled to a response from someone above a XXXX level supervisor in response to the poor and outright misinformation provided to me by several phone agents and supervisors. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2022-11-14
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: First Federal Credit Control, Inc. (FL)

This is still with regard to my previous request for the company to send validation of debt ( complaint XXXX  XXXX ). XXXX  mentioned that you are sending me a document but I still haven't received anything that looks like a validation of the debt and according to FDCPA, you must provide the validation letter when requested. Please send a copy when your response to this complaint so the CFPB would know of your compliance. Thank you!
Consumer complaint received 2022-02-01
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: Experian Information Solutions Inc. (NJ)

I have been so patient with Experian but it seems they are just neglecting my request of removing the items I asked them to do. Some items were not related to me and some of the furnishers were not authorized. I would like them to be removed immediately if no proof is provided. 
Incorrect addresses : XXXX XXXX XXXX XXXX # XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, AE XXXX Accounts : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$3500.00} XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX {$1500.00}
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

Obtained XXXX credit report and noticed fraudulent account 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 XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX  account # XXXX has violated my rights 15 U.S.C 1681 section 602 A states I have the rights to privacy. 15 U.S.C 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish a account without my written instructions. In XXXX of XXXX, a XXXX XXXX collection account was opened under my name without my knowledge or consent and was used and left a {$4600.00} dollar balance. I reached out to the credit bureaus for verification of accuracy and they said they did and I found improper inaccuracies on my credit report even after the credit bureaus thorough research.
Consumer complaint received 2024-03-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

XX/XX/XXXX checking account was compromised. Opened new account and ordered checks. Upon arrival of checks, I paided bills. Checks were not honored by the bank and indicated I did not have sufficient funds for payment. 

The bank FAILED to transfer funds from compromised account to the new account. The time period from opening the new account to writing NEW checks exceeded 10 days. 

Since XX/XX/XXXX I have requested a letter from the bank to the creditors and myself indicating that THEY, THE BANK, did not transfer funds from the compromised account to the new account they suggested I open. 
The bank has refused to admit their failure to transfering the funds, or that they had any involvement in this process. 
Any communication that I have received from the bank, has never addressed the issue regarding transfering of funds. 
The local branch has a problem with giving me District or Regional Management contact information so I can forward my complaint. 
The bank must admit failure to transfer funds, and provide me with documentation to my creditors, Credit Bureau and myself, explaining these returned checks. 
After 45 days I believe it is time for BANK of AMERICA to address my concern. 
( If a B of A payment was 45 days late, I am sure there would be communication!! )
Consumer complaint received 2022-11-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Affirm Holdings, Inc (FL)

Purchased a {$580.00} XXXX XXXXXXXX from XXXX. Billed on XX/XX/2022. 

XXXX XXXX XXXX. XXXX Shipment tracking XXXX XXXX Delivered On Monday, XX/XX/XXXX at XXXX XXXX at Front Door {$55.00} discount was given to the order for a {$55.00} refund but the date of the discount is backdated to XX/XX/2022 prior to the purchase. The purchase was paid through Affirm on XX/XX/2022 for {$580.00} then there is a {$55.00} refund adjustment with a date of XX/XX/2022. 

XX/XX/2022 I paid {$98.00} to Affirm using my checking account to pay Affirm. Thus at this time the remaining balance was {$430.00}. 

XX/XX/2022 a {$50.00} shipping charge was created and a shipping label sent via email for the return. 

Returned the XXXX XXXX Return shipment XXXX Delivered On Friday, XX/XX/XXXX at XXXX XXXX at XXXX  XX/XX/2022 Received an email confirming receipt of return item and affirmation that a return of funds would occur. 

XX/XX/2022 Disputed the {$98.00} payment paid on XX/XX/2022 using my checking account because no refund had been processed.
Consumer complaint received 2022-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ProCollect, Inc. (MD)

Procollect Inc has been reporting inaccurate information on my consumer report. They have an account listed as an open but in collections. How is this account open but also marked as a collections? 
Please clarify as this appears to be inaccurate and against FCRA.
Consumer complaint received 2024-02-25
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Credit Karma (PA)

Personalised assistance after filing taxes is available with XXXX for XXXX XXXX. This service includes full IRS audit representation by XXXX, including planning, following up with the IRS, preparing documents, and representing you in meetings. XXXX also provides identity theft insurance and identity recovery through XXXX partner XXXXXXXX. Primary filers and their dependents are covered by this package, ensuring a smooth and efficient filing experience.
Consumer complaint received 2024-02-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Credit Karma (PA)

Personalized assistance after filing taxes is available with XXXX for XXXX XXXX. This service includes full IRS audit representation by XXXX, including planning, following up with the IRS, preparing documents, and representing you in meetings. XXXX also provides identity theft insurance and identity recovery through XXXX partner XXXX Primary filers and their dependents are covered by this package, ensuring a smooth and efficient filing experience.
Consumer complaint received 2022-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (FL)

XXXX XXXX MADE AN UNLAWFUL INQUIRY WITHOUT MY AUTHORIZATION AND PERMISSIBLE PURPOSE UNDER THE FCRA AND ARE IN VIOLATION OF THE CREDIT REPORTING ACT OF 15 U.S. CODE 1682B. 

I HAVE A CELL PHONE WITH THEM AND THEY DO NOT HAVE MY AUTHORIZATION TO MAKE UNLAWFUL INQUIRIES AT THEIR LEIZURE.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: INSPERITY INC ()

Adverse Action taken against me due to an error in my background report. Insperity ( the background check company ) reported that I have 3 pending felonies in XXXX XXXX XXXX, however that information is incorrect. I lost my job with XXXX XXXX and have been damaged financially, mentally and emotionally.
Consumer complaint received 2024-03-18
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Alorica Inc. (NY)

XXXX sold my loan to SST ( Systems and Services Technologies ) I paid off the loan to about {$5000.00} and then to XXXX. Now I have a XXXX XXXX XXXX and a SST XXXX on my report. Both showing open with missed payments Both should be showing closed and XXXX I called company and they said the credit agency was wrong I opened disputes with XXXX and XXXX. but SST told them it was correct.
Consumer complaint received 2022-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

I went to buy a new car and was told that only XXXX XXXX  would be used and it more than that has appeared on my credit report as shown below in attachment via Identity Theft Report.
Consumer complaint received 2021-09-02
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. (NJ)

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) - reporting inquiries without my permission, 15 USC 1666 ( b ) - truth and lending act. as well as some inaccurate information from my credit report. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Consumer complaint received 2024-03-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: TEXAS CAPITAL BANCSHARES, INC. (TX)

I have been requesting my 1098 and 1099 form from Texas Capital Bank since late XXXX. I've called, sent emails, and sent messages through their online portal to no avail.