davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-19
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (KS)

The business of XXXX XXXX ( XXXX ) closed, I believe on XXXX, before processing all the returns in their warehouse. On approx XXXX I received clothing which I tried-on. I kept 3 & returned 9. The returned totaled approx. {$300.00}. I placed my order before the final sale however the paperwork in this box said " final sale '' on every item. on XXXX I called/spoke to XXXX supervisor before returning items due to this issue. I was told XXXX would accept all back, as I ordered before final sale. He gave me a mailing label by email & a Code XXXX to write on Return Form for 4 items going in a separate box. The 5 remaining going back in original box " would go & clear as was, -no need for special handling. No charges for any of these would be on card. '' I mailed on XXXX & tracked these two boxes arriving on XXXX. I called XXXX numerous times. three times I received back order items so old I had not remembered ordering. I could not send them back ... Phone always ringing- no answer. The message was something like " Covid-19 was causing delays a & they were unable to accept calls at this time ''. Then it started saying something like " taking no calls '' Then " soon to close ''. My bill on XXXX said {$500.00} Typically I pay full balances but this situation I paid {$200.00} on XXXX. My balance on card now shows {$390.00}. On approx XXXX I spoke with legal council. Was told write letter to credit card & do not pay anymore until things are worked out. Letter was sent approx XXXX copies sent to legal council, Comenity Bank XXXX XXXX , & their Customer Service XXXX XXXX , XXXX XXXX XXXX XXXX pending Attn to information, and now you as well.
Consumer complaint received 2024-11-13
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: NEW YORK COMMUNITY BANCORP INC (OK)

I filed the original complaint on XX/XX/XXXX in regards to the lack of communication from the loan officer resulted in the refinance not closing. On XX/XX/XXXX, Flagstar Bank provided a letter recognizing their communication failure and would reimburse me for the appraisal and additional insurance fees that resulted from the refinance process. I have made several calls to the office of XXXX XXXX at Flagstar Bank to inquire about the refund and after leaving voicemails each time I have not received a call back. I tried to email XXXX XXXX this evening, ( I was guessing what her email would be based on other Flagstar Bank employees emails ). As of XX/XX/XXXX, I have not received the refunds originally promised due to their lack of communication.
Consumer complaint received 2020-07-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC (TX)

So I working at a XXXX XXXX in XXXX and I had two gentleman come in and were talking about a promotion that XXXX XXXX was having. This Was about two years ago back in ( 2018 ) .So I was unsure about the promotion and the gentleman reassured me that for any reasons that I could sent the phones back with no charge. They also told me that they would not charge me if I turned my phone on and used it .Just to see what we thought.So we final got the phone 's in after being delivered to the wrong place and we turned them on and use very little data. So I decided to just send back the phones and I called XXXX  and they were ok with that. Then shortly after that I received a bill and I called them and they told me a different story. I was upset that they lied and did not disclose this information to me. So this bill went into collections and I did just pay it but I asked the collections agency if they could please delete this from my credit because this was hurting my credit and the opportunity to buy a home. can you please help me with this please.
Consumer complaint received 2020-08-19
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. (WI)

I was a victim of identity fraud. 

I checked my credit report in early XX/XX/XXXX and found TransUnion listed 2 hard inquiries ( XXXX on XX/XX/XXXX & XXXX on XX/XX/XXXX ). Equifax listed 1 ( XXXX on XX/XX/XXXX ). On or about XX/XX/XXXX, I called XXXX, Equifax, XXXX, XXXX, XXXX, and XXXX. I froze my credit with all 3 reporting agencies, and explained the situation with all parties affected/listed above. 

XXXX, XXXX, and XXXX quickly verified it was fraudulent due to the address not being correct. All 3 of them said that they would send a letter to the 3 credit reporting agencies, and I would have the hard inquiries removed from my credit report in 30-90 days ... this was 5 1/2 months ago ... and they are all still showing. 

On XX/XX/XXXX, I contacted Equifax who said they never received anything from XXXX and that there was nothing they could do. They directed me to contact XXXX again. I immediately contacted XXXX again. XXXX stated that they sent the letter when I called them in early XX/XX/XXXX, but that they will fax it again. XXXX also sent me a confirmation email ( which I requested ). 

On XX/XX/XXXX, I contacted Equifax again to see if they received the letter from XXXX ... Equifax stated that they had not. I asked how I could submit the letter of proof that XXXX sent me ... they refused to give me anyway to accept it. Instead, they told me my only option was to call XXXX again, and have them call them ( Equifax ) explaining their determination. I called XXXX again, and they said there is no such number to call, and all they can do is submit the letter again to Equifax. As a side note, I was " disconnected '' from Equifax 3 times ... taking me 30+ min each time to get a representative on the phone. I was " disconnected '' from XXXX as well, and it was 58 min before I spoke to a person for less than a minute, only to be transferred and have to wait for roughly 10 more minutes. 

On XX/XX/XXXX, I contacted XXXX  again, and they told me that XXXX and XXXX never sent them a letter. The representative stated that he can file a dispute, but unclear what, if anything, will transpire ... since they too haven't done anything since becoming aware in early XX/XX/XXXX. 

Meanwhile, I need to apply for credit soon, and all these hard inquiries have a negative impact on my credit score. I have spent the better part of 3 days over the course of 5 1/2 months trying to resolve these inaccuracies, only to be told by the businesses that they did their part and it's the credit reporting agencies fault. While at the same time, being told by the credit reporting agencies that it is the businesses fault for not submitting anything. 

I am stuck with no recourse to straighten any of this out. Please help!
Consumer complaint received 2020-08-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I sent a validation letter to all 3 credit bureaus, XXXX XXXX, and Transunion and also the collection agencies XXXX XXXX XXXX and XXXX XXXX XXXX on XXXX to dispute the following accounts showing on my credit report ( XXXX XXXX XXXX ) AND ( XXXX XXXX XXXX ). The letter was sent over 30 days ago with no response or validation that these unknown debts are mines which is not. These debts are unknown to me and I want them deleted off of my credit report as they are violating my rights by taking longer than 30 days and not deleting these accounts as they should.
Consumer complaint received 2020-08-10
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

While XXXX my identity was stolen by ex family members. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX : Dispute Re : Account # XXXX SSN : XXXX XXXX XX/XX/2020 USAA To Whom It May Concern : Thank you for taking the time to read this letter. I recently noticed that my credit report contains a late payments reported on for an account I assert was not open by me. After trying to resolve the matter I settled the balance in good faith to restore my credit rating and hope for I am fully aware I had financial obligations to you. Unfortunately, due to not securing my home and personal property, I made a mistake in falling behind. If not for this, I would have an excellent payment record. Im sending this letter because when I checked my most recent credit report, I noticed it contains a late payments. I dont want to dispute the accuracy of this report. The late payments was a one-time oversight on my part, and I have since brought my account to good standing. 

I want to request a one-time goodwill adjustment on my credit report. I am in the process of buying a home, and this will allow me to take advantage of the lowest interest rates available. 

Other than this one-time mistake, I have a history of making my payments to USAA on time. I hope you will consider my request and remove this late payments from my credit report. 

Let me know if you need any additional information from me, and thank you for considering my request. 

XXXX XXXX
Consumer complaint received 2020-08-19
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. (CA)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated.
Consumer complaint received 2022-09-21
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: CORELOGIC INC (TN)

I am a victim of identity theft, also have been affected by the XXXX Data Breach on a federal and state level. The following accounts are accounts that I have been affected by : XXXX XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-19
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 distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated.
Consumer complaint received 2020-08-19
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (IL)

The companys Name : netSpend DebitCard : XXXX XXXX managed by NetSpend In the middle of XX/XX/XXXX I phoned NetSpend ( MileagePlus XXXX about their direct deposit policy ) only to find out that my account was closed in XX/XX/XXXX, because they were no longer in partnership with XXXX XXXX. 

I was told when they closed the card my they still had {$73.00} of my very own money in the account. Thus they issued a check for that amount and sent it to my address. 


I never received that check, I called NetSpend couple more times about the check, wait time was 30-40 minutes, and after I explained why I was calling, I was put on hold forever, no one came back to pick up the phone. I gave up calling ... 

XX/XX/XXXX I receive a check in the mail from NetSpend for XXXX Made a mobile deposit to my checking .. 

XX/XX/XXXX My bank sent me a digital copy of the check from stating the date was stale I took a second look at the hard copy of the check and In fact the Check was issued XX/XX/XXXX, right below pay to the order of said Not Valid After 90 Day @ I phoned NetSpend explained them what happened, they told me that the check is still good, gave names of 5 different banks near by me where I can just go to and will have no problem cashing the check as long as I have a valid state or a federal ID. I gave two of those banks they gave me a try, of course like a criminal by the the tellers at both banks you are not banking with us? We dont just cash random checks, no! Who told you that we do that? At the end of the day both banks wouldnt cash the check and I was done with people with taking their anger on me XX/XX/XXXX I phoned NetSpend back explained to them what happened at those banks. They took all the information again put me on hold and never came back ... This time I called back, again I explained what is happening with the check etc .. and just asked them to issue a new check I was put on hold for 15 minutes .. when the person came back she told me that she cant issue me a new check and that they will simply steal my money! Thats my money not credit not a loan, and they just told me THEY WILL NOT GIVE ME BACK MY MONEY! Why? become the check was issued to me over 6 months ago so they cant issue another check? 

I dont know why this check got here so late, that is not my fault, what I do know is that I am not about to get robbed by a bank ... they have billons and they are stealing from the little people? I am sure I am not alone .. how many {$70.00} checks were never cashed? How much money is netSpend making by stealing from closed accounts? 

I am curious, I really am curious! I am sure I am not an isolated case!
Consumer complaint received 2020-08-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXX I received a message from ( XXXX ) XXXX, despite signing up for XXXX XXXX. 
The message said that {$290.00} would be deducted from my account for renewal of computer services if I did not call back. 

Having called the number above, I then spoke to XXXX from XXXX XXXX ( at XXXX or XXXX ). 
I was told that I would be charged either {$290.00} or pay {$140.00} by wire transfer, in which case the payment would be refunded immediately. 
I went to my branch of Chase Bank at XXXX XXXX XXXX, XXXX XXXX, NY XXXX, to wire {$140.00} from my checking account to the account specified by XXXX : a/c name : XXXX XXXX  XXXX  Account No. XXXX at XXXX XXXX. 
The Chase employee with whom I dealt at that time did not confirm the purpose, recipient or amount of the wire transfer. 
Despite my request to transfer {$140.00}, the amount that was actually transferred was {$14000.00}. 
I was asked to text an image of New York State drivers license to XXXX at XXXX, and sent the image of my license at approximately XXXX XXXX. 
On XX/XX/XXXX, I realized that {$14000.00}, rather than my requested {$140.00}, had been debited from my checking account. 
In reviewing my Chase account transactions online, I learned that an unauthorized transfer of {$2900.00} from my savings account to my checking account on XX/XX/XXXX. 
As soon as Chase opened on XX/XX/XXXX, I visited the same branch to report the incorrect wire transfer amount as a possible fraud, but was told by XXXX, an employee at the Chase branch, to call Chase customer service instead. 
Speaking again with XXXX, I was told that a check of {$15000.00} was written and deposited in my name. I printed a copy of the image of the check that XXXX said that he was depositing for me. 
On XX/XX/XXXX, I returned to the same Chase branch for help with the fraudulent wire transfer and the unauthorized savings-to-checking transfer, after being on hold with Chase customer service for many hours, but was again told to call Chase customer service. 

I called the XXXX XXXX Police Department and reported the fraud to Officer XXXX XXXX ( XXXX ). 
On XX/XX/XXXX, My daughter accompanied me to the same Chase branch to report the fraudulent wire transfer but was told by XXXX XXXX that he remembers me talking to XXXX but we cant help with international wire transfers. This was an incorrect description of the situation : the transfer was in fact domestic, to XXXX account no. XXXX, as stated above. 
I asked another representative at Chase to finally write an official report regarding the fraudulent wire transfer and to call the Chase Fraud hotline. I also wrote Attorney General, Senator XXXX, FTC, FBI/IC3 etc. I called the recipient bank XXXX XXXX  in CA, as well as reported the fraudulent check to XXXX XXXX XXXX, and the imposter to XXXX  XXXX/XXXX  XXXX. However, XXXX  and the help of NY congresswoman XXXX XXXX has been the most helpful.
Consumer complaint received 2020-08-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Paypal Holdings, Inc (HI)

I have been a long time PayPal user, but all of a sudden PayPal is declining me from adding funds and making payments. I have not changed my banking information recently, nor am I doing anything out of the ordinary. I am tired of hearing excuses from front line agents who do not know what they are talking about. There is no point in offering these services if PayPal customers are unable to use them.
Consumer complaint received 2020-08-19
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. (GA)

I have the XXXX XXXX app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. XXXX XXXX XXXX. I have contacted the FTC and my local police and I am doing this alone. Please take these unknown items off my report 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 2021-04-25
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: HW Holding, Inc (FL)

I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company or the company you represent. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that HUNTER WARFIELD absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files.
Consumer complaint received 2021-04-25
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (MS)

There was a fraudulent account opened my name back in XXXX at Home Depot ( Citibank ) I wasn't aware of the account until XXXX. I was informed by Citibank the person who opened the account, dates opened, statements, their email and phone no. I submitted all this information to the XXXX Police Dept. ( case no. XXXX ). Citibank has failed to corporate with the XXXX Police Dept. by submitting the documentation and information of the person who opened the account. Citibank has turned this account over to many credit agencies which is damaging my credit. I have submitted my signature and information provided to the police dept. Citibank claims they have done an investigation and finds this is my account which is false. What investigation? I never been contacted by their XXXX department. They have transactions where someone was making payments per XX/XX/XXXX statement, which they can track. I keep getting letters that I owe them {$4100.00}. This is a fraudulent account and I want it removed from my credit report. Citibank has this person information and has failed to provide the information requested to resolve this matter.
Consumer complaint received 2022-01-24
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: JPMORGAN CHASE & CO. (NV)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results
Consumer complaint received 2023-02-21
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. (IA)

on XX/XX/2023 I transferred XXXX $ into my square business debit/checking account. I went to a store and spent XXXX and then went to atm where i found my card would not work. I went to the app on my phone and was instructed to call them. I did so and was re-directed to look for an email which i will attach to this. It said that they were disabling my account and I would no longer be able to use it as it was deactivated. It didnt disclose exact reason, but gave some possible scenarios. It also said that my funds would not be available for 150 days from the date of the email. I had no warning, no prior trouble, nothing. I called them and tried to chat and was told to refer to email and reply to email. which was sent from a no reply address. That they could not help me I could only go by the email. I have gotten the run around ever since. I do not care if they XXXX my account and all that but 150 days? There is no reason I shoudl wait that long for my money. As someone who is on a very small income, I do not even make XXXX a year, I can not afford to have XXXX tied up for 150 days. I closed the card, the checking account, and there are no recurring bills that come out of it, they could not if there was because it is all shut off. When I do call they tell me i can open another account, why on earth would I do that. I pay fees to square on sales, etc. They get their cut of it, and it is crazy to me how without warning they can take and just hold your money for almost 6 months. For what purpose?