davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I called capital one to close my account because they kept marking me as fraudulent and making me jump through hoops to use my card. They refused to close my account and refused to let me apply my points. After multiple refusals to close my account and apply my rewards someone finally closed it without advising me that doing so would cancel my reward points I was attempting to apply. The situation that caused this is capital one put my account on fraud alert three times in a row for the same charge. The first two times I jumped through their hoops and they told me to go make the purchase after clearing it. I did so and they blocked me again, escalating thier demands to verify my identity. Why would they tell me to make a purchase just to block me!? Eventually the state the only way for me to clear the account is to send a copy of my ID to them. At this juncture I paid the card off, except the reward amount I was expecting to apply, and repeatedly tried to close my account. They refused to apply my rewards and close the account repeatedly and were intentionally difficult. My other credit card with them has been working the whole time. One of their reps said my social security could have been hacked so they cant use that. But on my bank account and other credit card they were allowing normal validation methods and didnt need my ID. Lastly I called to let them know I got their letter threatening to close my account for cursing at them for lying to me and being intentionally deceitful. The representative refused to transfer me to a supervisor. She indicated she wasnt validated and couldnt transfer me and then started giving out PII. She then told me I am placing you on timeout hold when I pointed this out. I dont know what kind of company thinks they can put their banking clients in time out because they dont want to get a supervisor. Not a company I ever want to give my money to. Absolutely garbage!
Consumer complaint received 2022-08-24
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc. (TX)

Hi, I filed a report previously- XXXX regarding this account with Layne Bryant credit card XXXX I requested the card be closed in XXXX of XXXX. The account wasn't closed and I was fees every month after that for 6 months. I called them every month about this issue and they assured me that it wouldn't happen again. During this time in XXXX of XXXX they reported a late payment on my credit report. 

When I previously filed a complaint, they stated that they would remove the late payment from my credit report and refund me for all the charges that had happened for over 6 months. They have not done anything that they said that they would do.
Consumer complaint received 2022-08-24
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (KS)

I am currently in the XXXX XXXX. While XXXX XXXX my information was compromised. Because I was in another country, it was difficult sending dispute request via online. When I got back stateside, I submitted all my information letting them know that several accounts were the result of ID theft. They did not fix the errors. I hope that contacting your agency will finally help me.
Consumer complaint received 2022-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (OH)

It has been improperly reported that our account with XXXX XXXX  was included in a bankruptcy. We did have a bankruptcy that was XXXX in XX/XX/XXXX but we were able to keep our house. The address was XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX. We sold this house in XX/XX/XXXX. We are now trying to purchase another house and we are running into problems because Our credit reports are stating that the property at XXXX XXXX was included in a bankruptcy and it was not. The loan was paid in full when the property transferred in XX/XX/XXXX when we sold it. We never missed one payment on this account.
Consumer complaint received 2022-08-24
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

Filed a dispute with the 3 credit companies last year. they didn't remove everything. I've had problems trying to get credit because the stuff is still showing up on my report.
Consumer complaint received 2022-08-24
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)

In accordance With the fair credit reporting act XXXX Account # XXXX XXXX has violated my rights 15 U.S.C 1681 Section 602 A. States i have the right to privacy. 
15 U.S.C 1681Section 604 A. Section 2. It Also States A Consumer Reporting Agency can not furnish an account without my written instructions. 

In accordance With the fair credit reporting act XXXX  Account # XXXX XXXX XXXXXXXX XXXX XXXX has violated my rights 15 U.S.C 1681 Section 602 A. States i have the right to privacy. 
15 U.S.C 1681Section 604 A. Section 2. It Also States A Consumer Reporting Agency can not furnish an account without my written instructions. 



In accordance With the fair credit reporting act XXXX Account # XXXX XXXX has violated my rights 15 U.S.C 1681 Section 602 A. States i have the right to privacy. 
15 U.S.C 1681Section 604 A. Section 2. It Also States A Consumer Reporting Agency can not furnish an account without my written instructions.
Consumer complaint received 2022-08-24
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: Experian Information Solutions Inc. (IL)

I have several inquires on my Experian Credit Report for XXXX XXXX which I did not request or authorize. I have contact Experian via mail and via phone to explain to them I did not request all of these XXXX XXXX inquiries and they were not for a permissible purpose for XXXX XXXX obtaining a copy of my credit report. I am requesting that all of the XXXX XXXX inquires be removed from my credit report. Thanks
Consumer complaint received 2022-08-24
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. (FL)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXXXXXX XXXX Account # XXXX XXXX LLC ( XXXX XXXX Bank XXXX ), Account # XXXX XXXX XXXX ( XXXX ), Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXXXXXX XXXX XXXX  has all violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-08-24
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: Convergent Resources, Inc. (TX)

In Accordance with the fair credit reporting act convergent account number has violated my rights. 
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 a account without my written instructions.
Consumer complaint received 2022-08-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance With the fair credit reporting act XXXX Account # XXXX XXXX has XXXX my rights 15 U.S.C 1681 Section 602 A. States i have the right to privacy.

15 U.S.C 1681Section 604 A. Section XXXX. It Also States A Consumer Reporting Agency can not furnish an account without my written instructions. 

In accordance With the fair credit reporting act XXXX Account # XXXX XXXX XXXX Bank XXXX has violated my rights 15 U.S.C 1681 Section 602 A. States i have the right to privacy.

15 U.S.C 1681Section 604 A. Section XXXX. It Also States A Consumer Reporting Agency can not furnish an account without my written instructions. 



In accordance With the fair credit reporting act XXXX Account # XXXX XXXX has violated my rights 15 U.S.C 1681 Section 602 A. States i have the right to privacy.

15 U.S.C 1681Section 604 A. Section XXXX. It Also States A Consumer Reporting Agency can not furnish an account without my written instructions.
Consumer complaint received 2022-08-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Recovery Services, Inc. (MS)

Southwest Recovery is trying to collect on 2 debits that are due to identy theft. 

They claim i opened a account on XX/XX/2020 and have collections for {$650.00} and {$1300.00} they have not provided me with anything when i called and told them i am a victim of identity theft. They have shown gross negligence when handling the issue. They have no provided me anything.
Consumer complaint received 2022-08-24
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 — Problem with personal statement of dispute
Company: TD BANK US HOLDING COMPANY (TX)

Date opened XX/XX/XXXX Charged off XX/XX/XXXX Paid/settled XX/XX/XXXX I have contacted TD bank / target credit. After settling and paying off this collection they told me in 7 days. XX/XX/XXXX they would email me a XXXX balance letter and in 30 days a final settlement will come in the mail. The account is verified paid and not owed. This company is not allowing me to remove and delete the file on my consumer report. This account is closed and settled. It is my responsibility to monitor my consumer report. This negative reporting by this company is stopping me from renting an apartment. I need it removed and deleted off my account immediately. I can provide the information proving leasing desk is using this collection against me and it's hurting me. please remove and delete. I have rights to say who can report on my consumer report. Please contact them, they do not have the right to deny a deletion which was reported on my account deny me my rights and breaking federal law. Thank you again this is an attempt I am asking to politely remove this account which I can no longer use or open. Collection is verified as paid and not owed.
Consumer complaint received 2022-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I was checking my most recent credit update and I have notice that XXXX account number XXXX is reporting a negative on XX/XX/2022. I have Closed and Paid XXXX in full on XXXX XXXX. I have attached the payment confirmation and my drives license. The information reported is incorrect and damaging. I need this investigated and addressed as soon as possible, Please and Thank you!
Consumer complaint received 2022-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (GA)

I redeemed points on XX/XX/XXXX from my Chase Sapphire XXXX XXXX credit card for a roundtrip flight to XXXX from XXXX XXXX. In XX/XX/XXXX I decided not to go on the trip and cancelled the reservation. I was told by the representative that I would have an XXXX XXXX flight credit in the amount of {$910.00} for use before XX/XX/XXXX. On XX/XX/XXXX I called to make sure my flight was cancelled because I kept receiving emails stating my itinerary changed. The representative informed me that the previous representative only cancelled one flight and not the roundtrip reservation. She went ahead and cancelled the remaining flight and I asked her to send me confirmation via email of the cancellation. She sent me 2 emails for Trip ID XXXX confirming the cancellation. On XX/XX/XXXX I called to redeem my flight credit for a trip to XXXX XXXX, XXXX XXXX. It was EXTREMELY difficult to understand the offshore rep from the XXXX, XXXX, because she had a very strong accent. She did not explain tome that there were 2 separate flight credits, one for {$550.00} and another {$350.00}. They originally redeemed my points but created separate airline confirmation codes ( not roundtrip ). She failed to thoroughly explain that the unused credit for EACH flight would be forfeited. I thought she meant the unused credit for the entire roundtrip flight would be forfeited. She processed the departure flight for {$310.00} and didn't explicitly state the difference of {$240.00} on that flight could not be used toward my return flight. I asked to speak to someone in the US because I could not understand her. She transferred me to a manager named XXXX who stated that I should have asked for more clarification. I was on the phone with them for 2 hours and 15 mins. This is the worst experience I have had regarding travel ever. Airlines don't process separate transactions for a roundtrip fare so how would I have known this. There was 1 Trip ID for the roundtrip flight reservation. The representatives should state that they are going to process the first transaction for XX amount and you will forfeit XX amount on this reservation for each flight so that consumers understand that the remaining balance can not be used even though it is for a roundtrip fare.
Consumer complaint received 2022-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc. (SC)

I HAVE A BJ 'S MASTERCARD THAT PAYS 5 % FOR BJ XXXX PURCHASES. I NOTICED RECENTLY THAT I WAS NOT GETTING ANY REWARDS FOR MY INSTORE PURCHASES AT BJ 'S. I CHECKED MY BILL AND FOUND OUT THAT I WAS NO LONGER GETTING THE 5 % BUT WAS GETTING 0 %. I CALLED CUSTOMER SERVICE AND THEY ADVISED ME THAT STARTING ON XX/XX/2022 THEIR SYSTEM WAS NOT BEING UPDATED BY COMMENTY BANK. NO ONE FROM BJ 'S MASTERCARD CONTACTED ME OR ANY OTHER CUSTOMER AND ADVISED ANY CUSTOMER OF THIS PROBLEM! DURING THIS TIME, I HAVE SPENT OVER {$1000.00} AND HAVE RECEIVED 0 % REWARDS POINTS! THE BJ 'S CUSTOMER SERVICE CLAIMS THE PROBLEM WILL BE FIXED BY THE END OF XXXX, YET THEY HAVE NOT ADVISE ANY CUSTOMER OF THE PROBLEM! I AM NOT SURE IF I WILL BE REIMBURSHED FOR MY LOST POINTS OR NOT! I AM CONSIDERING THE CANCELLATION OF BOTH MY BJ 'S MEMBERSHIP AND CREDIT CARD DUE TO THEIR DECEPTIVE ACTIONS! THEY SHOULD BE FINED FOR THEIR DECEIPT AND DISHONESTY!
Consumer complaint received 2022-08-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings (NH)

My apartment complex said we owed damages upon move out which there were absolutely none. We left the complex in a better condition then when we moved in. 2 months after we moved out, I received notification from IQ data saying they had sent these " damage '' fees to collections, when the complex never even contacted me via mail, phone email etc. I even called the complex and they said they had nothing on my profile regarding any past due balance or damages so I don't know why it would be sent to collections. I reached out to IQ data, they told me to email their dispute department which I did. They then said that the dispute was denied and debt was validated because of proof, but I never received anything from them. What proof is there? No one has even said WHAT the damages were! Nevermind there being no photos or proof of said damages. When I called customer service at IQ Data they were extremely rude and no help, saying the only thing I could do would be to pay this to get it off my credit and was not listening to me at all. I had mentioned that I spoke to my dad about the situation & that I was considering per his advice taking them to small claims court. When I asked them to email me any of the info regarding this dispute, validated debt etc. the agent refused and responded with " Why don't you ask your dad? '' which was very condescending. They said they would re-mail the so called " proof '' that I never got in 5-7 business days but that was it. I have already started a small claims court case. This company is fraudulent and should be shut down.
Consumer complaint received 2022-08-24
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BMO Bank, N.A. (WI)

I opened my business banking account for XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX THE MONTH OF XXXX XXXX 2022. Today XX/XX/XXXX of 2022  my account is overdrawn by {$320.00} all of NSF fees ( non sufficient ). I have not overdrawn this account since I had it this is rediculous. I am requesting to have these fees waived and for my account to be back positive. I do not have the funds to pay this right now regarding inflation, and being a single parent of 2 to pay these fees.
Consumer complaint received 2022-08-24
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Early Warning Services, LLC (NJ)

This complaint is addressed to ZELLE and XXXX XXXX, a bank with financial interest/ownership in Zelle. 
I was scammed for {$600.00} online by an imposter impersonating a known person with a verified account ( former government employee ) on XXXX on XX/XX/2022. 
The verified account posted having a small number of XXXX  for {$600.00} which would be going to charity. In Direct messages, the person directed me to make payment thru Zelle and provided an email address of his personal assistant linked to the Zelle account XXXX. I sent payment of {$600.00} at XXXX through my Zelle account which is by default in my XXXX XXXX checking account within the app/account features. The email given was verified by Zelle ( banking information was confirmed by Zelle ). 
Within minutes of sending payment, the verified XXXX account posted that his account had been hacked. 
I immediately called XXXX XXXX to report the fraud and request stop payment. The representative completed a report to investigate. They replied days later that they will not be refunding my money. 

I then attempted to contact Zelle, and could not directly report the fraud to them because my Zelle account is through my bank. I spent almost an hour trying to contact them, and eventually found a link to submit a complaint. Zelle 's response was to thank me for submitting to protect others, but NO REMEDY for my own fraud, reported within minutes. 

My Zelle payment was sent to someone other than the intended, and I have not received any remedy to my payment or the fraudulent account linked to it. 

Banks that include Zelle within the customer banking website/app have a duty to protect their account holders from fraudulent payments. 

Zelle is an unethical operation offering no protection to it's customers. For this reason, it is the payment option of choice for fraudsters and scammers. 

Zelle needs to be held accountable for transferring money to verified bank accounts as they already have the fraudster 's information and linked banking. 

XXXX XXXX and all other banks that partially own Zelle need accountability and consumers should have protection against fraud.
Consumer complaint received 2022-08-24
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. (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 right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-08-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/2022 Bank of America made a decision to close my business and my personal accounts. I opened another account elsewhere so my business could stay open, and wanted to get my funds from bank of america to my new bank. Bank of america then said that it would take 10 business days for my check to arrive in the mail with the total amount from each account that was closed. 
Its been more than 2 weeks after the checks were supposed to arrive and they dont know where the check is and it has not arrived. My check for the business account was somewhere in the range of {$22000.00}, and they said they only send tracking with amounts larger than XXXX XXXX. I asked them to cancel the checks and issue one where i could pick it up at my local branch, and they said that if they cancel the check they can only reissue the check after 120 days. 
Thats unreasonable and unsustainable for someone like me who is running a small business. Meanwhile, until my check arrives Bank of america is likely investing my money and making profits from it while delaying the return to me. How do I know that this is not being done on purpose, it feels malicious. 
I have called them at least 2-3 times per week trying to resolve this but all they say is i have to wait. That is simply unacceptable.
Consumer complaint received 2022-08-24
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 (AZ)

My identity was stolen and multiple loan and credit card applications were filled out, these companies then ran a credit check witch went agianst me as inquiries on my credit report and I would like them removed. The companies are XXXX  XXXX banking from XX/XX/2022 - XXXX XXXX from XX/XX/2022 - XXXX XXXX from XX/XX/2022. I contacted the companies and they confirmed the inquiries and informed me I had to file a report with the FTC as I am doing now.
Consumer complaint received 2022-08-24
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 right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose