davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP (GA)

On XX/XX/2020, US Bank approved my application for XXXX XXXX account number XXXX that was applied under promotion code XXXX. Although I have met the requirements of the offer, US Bank is refusing to credit my account with the promotional bonus of {$300.00} that I am entitled to or to provide justification for doing so. 

The Terms and Conditions of the bonus offer do not preclude a new customer like me from receiving the bonus when opening a joint account with an existing customer. Nonetheless, US Bank is arbitrarily denying the bonus that is payable to me and not to the joint signer. US Bank has not provided me with any documentation to support their position.
Consumer complaint received 2020-05-11
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: STERLING JEWELERS, INC. (MD)

I opened an with Kay Jewelers on XX/XX/XXXX with a limit of {$750.00}. The account was paid off and closed at my request in XXXX of XXXX. On XX/XX/XXXX at approximately XXXX @ XXXX  XXXX XXXX  in XXXX XXXX South Carolina I went in and opened another account. The manager of that store also told me that I no longer had an account and I would have to re-apply. I reapplied and received a limit this time of {$1000.00}. I spent {$560.00}. XXXX of the {$1000.00}. The first mistake is XXXX never sent me a bill to make my first payment. The second mistake is that I went into the XXXX @ XXXX XXXX in XXXX XXXX Maryland on XX/XX/XXXX and bought {$200.00} dollars worth of jewelry and then got a bill from two different credit card company saying that they were kay jewelers which was XXXX XXXX, and XXXX XXXX XXXX. When calling both companies, I was told that I had to pay them both, but it was impossible because I used the XXXX account # that XXXX XXXX   gave. So I disputed, there was no previous XXXX account on my credit report and according to XXXX XXXX, all in store cards were sold, and didn't report and mine was a in store card and a account that had been paid off and closed out before. As soon as I made noise and disputed with both companies, no one knew what I was speaking account so I reported both accounts as fraud. I have no problem paying what I owe but will only pay what I owe. A supervisor from kay jewelers called and let me know that they would start and investigation in to the account andn let me know the account but in the mean time, halt everything, so I haled payments. The other company told me the same thing. XXXX swears this account was opened i XXXX of XXXX, when it was opened in XXXX of XXXX, they are reporting 10 missed payments, and XXXX  is reporting 5 missed payments, I never missed anything becuase no one could figure out what was going on, it was XXXX XXXX issue putting me on 2 different accounts, not mine, This issue went on for months, and we finallly resolved it with XXXX XXXX and paid what was past due. But instead of taking the lates off because of the fraud issue as they prmised, they put more on there and decreased my limit to XXXX. My credit is important to me, and these lates are bring my score down drastically because they had 2 finance companies and though no one would figure it out. I need the late pays for both companies taken off of my report please.
Consumer complaint received 2019-10-12
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Block, Inc. (PA)

Cash App is holding my Bitcoin hostage. I had {$10.00} worth of BTC transferred into my Cash App wallet, that I initially purchased from them, from an outside wallet. The blockchain is showing 118 confirmations so I can't reverse the transfer. This is 24 hours after the transfer was initiated that the transaction is still showing as pending in Cash App. I have tried writing their customer support several times but have heard nothing back. I just want them to either put my BTC in my wallet or reverse the transaction so I can have access to my BTC
Consumer complaint received 2020-05-11
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. (WA)

I submitted a complaint about my forever decreasing credit score.. and the investigation is now well over 30 days and still no response from Equifax. Thanks kindly.
Consumer complaint received 2017-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX   XXXX     account that was opened  XXXX  was charged off in  XXXX . Item was paid in full  XXXX   XXXX .   XXXX   and Transunion are both still reporting this account as late for a payment status instead of paid. Also,   XXXX   is incorrectly reporting as " failed to pay '' for  XXXX ,  XXXX  when there is nothing left to pay. This account was paid off 3 months ago for the full balance due.
Consumer complaint received 2020-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In XX/XX/2020, my credit rating score ( XXXX ) was XXXX. In XX/XX/2020, that score dropped to XXXX, a difference of 16 points. The reason given : " No recent revolving balances ''. In XX/XX/2020, my credit rating dropped from XXXX to XXXX, a change of 21 points. Again, the reason was " No recent revolving balances ''. This is a change of 37 points in 2 months simply because I have no balanced on my credit card. I am being penalized for paying my bills in full. This is beyond ridiculous. Currently, there is a pandemic going on in the world, In the U.S.,  people are facing financial hardships, losing their jobs and their income. I chosen earlier this year to ensure I had no debt. Now I am being punished. 

I am presently applying for a mortgage and am not being given the best rate because my credit rating is low ... and I suspect that it will drop again next month. All because I have no debt! 

Stop letting the credit rating agencies XXXX the citizens of this country. These agencies want the citizens to have low credit ratings so that the banks can then justify charging us higher interest rates. It is a big scam.
Consumer complaint received 2017-06-13
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. (FL)

The credit bureau is reporting a  XXXX   XXXX  account (  XXXX  ) on my credit that is not mine. I have never had any notices or letters sent to me by this company and I do owe them {$4900.00}. I am filing this complaint because I have sent disputes to the credit bureau numerous times but they have not addressed my concern adequately and are still reporting someone else 's account on my credit. I have gone so far to even call this  XXXX   XXXX  company using the contact number provided in the credit bureau letters and they can not find records that match my personal information. I feel stuck because the company can not send me someone else 's information and the credit bureau keeps saying this account is mine. They are refusing to delete this other person 's account from my credit.
Consumer complaint received 2017-06-15
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (AZ)

XXXX   XXXX   XXXX  posted a check for {$1800.00} to  Ally  Bank last week via express mail and it has still not been received by the Bank.   
The 1st check was returned and   I need this matter resolved.
Consumer complaint received 2017-06-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (IL)

To Whom It May C oncern : Please be advised that pursuant to the Safe Homes Act, I had to end my lease early at  XXXX   XXXX  in  XXXX , IL because there was a credible imminent threat of   XXXX   XXXX     (   XXXX  ,  XXXX  and   XXXX   ) against me on the premises. My ex-boyfriend,  XXXX   XXXX , had been  XXXX ,   XXXX   and   XXXX   XXXX   to me while I was living with him at this property. This forced me to leave the home and to start living with my parents. Because he was still in the apartment, I could no longer return to it since it would have put me under a constant threat of  XXXX ,  XXXX , or   XXXX   harm by him, and it was no longer safe for me to live in my unit. I have a two-year order of protection against him and can provide you with that documentation, if necessary.  <P/> I vacated my apartment at   XXXX   XXXX   -   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX , IL  XXXX  on    XX/XX/XXXX    under the protection of the Illinois Safe Homes Act. All of my belongings were removed from the unit that day, and my keys were turned in to the management office. As a victim of   XXXX   XXXX   by my roommate in this apartment, I am protected under this law and have the right to terminate my lease early with no further payment required because of a credible, imminent threat of further   XXXX   XXXX    <P/> On XX/XX/XXXX , I disputed the attempt by  XXXX   XXXX  to collect a debt for the rest of my rent through the debt collection company  XXXX   XXXX .  XXXX   XXXX  stopped contacting me due to my cease and desist request. However, the collection was placed on my   XXXX   and  XXXX  credit reports on  XX/XX/XXXX  .   This is why I am submitting a dispute with you today.  <P/> Thank you for your attention to this matter.  <P/> Sincerely,  XXXX   XXXX
Consumer complaint received 2020-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (CA)

I have a car loan from GM FINANCIAL, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called GM FINANCIAL and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and GM FINANCIAL with no successful resolution. XXXX, XXXX, and XXXX reporting me 30 days late in XX/XX/XXXX and XX/XX/XXXX. There was an error on their part. I was never 30 days late twice.
Consumer complaint received 2020-05-11
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. (AR)

Earlier this year after noticing some inaccuracies on my credit report, I decided to reach out the credit bureaus to investigate. After further investigation it became apparent I have become a victim of identity theft. I've since sent in disputes, identity theft reports, and several other documents regarding my claim. It has now been over 90 days, and some of the fraudulent accounts still remain on credit file. XXXX XXXX, XXXX/XXXX, and US Dept Of ED/ XXXX are the accounts I've never had any association or received any goods or services related too. XXXX, Equifax, and XXXX  has failed to remove these accounts that were the result of identity theft. Under Fair Credit Reporting Act the bureau has 30 days to provide accurate verification which all bureaus has failed to comply with as well as provide a block per section 605b. There also several addresses along with inquiries that were requested to be removed which all still remain on my credit file which is unacceptable and a FCRA violation not to mention each one of the Dept of EDU -XXXX   accounts has mismatching or conflicting open dates which is INACCURATE information.
Consumer complaint received 2019-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

All XXXX loans where placed in my bankruptcy 2017 due to a hardship. XXXX keep reporting to TransUnion and XXXX every month that I owe them when the accounts was closed at the Chapter XXXX bankruptcy hearing 2017. 
Transunion and XXXX  removes all the account after I submit the claim to yall, but only to replace the XXXX accounts back onto my credit report this month. 
XXXX has not responded in a timely manner to my complaint with yall submitted last month or to me speaking with them over a year ago. 
Why are the reporting I owes them money and the interest keep lower my credit score to the point it damaged my credit. Now I get find no apartment or place to live in my name. What is the reason they aren't following the LAW. 
Every month I dispute the XXXX accounts only to have them removed temporarily. Then XXXX reports what the want to about my accounts that false information to transunion and XXXX and they go and replace the inaccurate information on my Credit account at both Bureaus over and over again. Please have XXXX Stop reporting inaccurate information about my accounts which are closed. 
Thank you.
Consumer complaint received 2017-06-15
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. (NY)

XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , NY  XXXX  (  XXXX  )  XXXX   XXXX  XXXX  XXXX  SS #  XXXX   XXXX  :  XXXX  account  XXXX  Equifax To Whom It May Concern :  I c ontinue to dispute the validity of this account I request that the account be deleted from my credit report. Can you also verify and forward me the method of verification? Can you notify me of the outcome of this correspondence?   Thank you Sincerely,
Consumer complaint received 2017-06-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (IL)

After responding to a voice message fro m Citibank, I c alled the number on back of my card and learned that a balance in the amount of {$99.00} was 60 days past due, along with multiple late fees. I asked how this was possible as we have n't used the card in months. They explained that  XXXX   XXXX  had auto-debited our account and that the balance of the {$160.00} owed represented late fees. My wife and I are 1000 % certain that we never signed up for paperless statements, which had we received this could have been avoided. Today I received an invoice showing the {$160.00} balance owed. To be safe, I called to confirm that there was no balance due and that there was a {$37.00} credit for  XXXX  of the late fees. I asked them to add to the credit the {$43.00} of cash back rewards earned. The manager on the other end of the line,  XXXX   XXXX  ID #  XXXX  ) said the account is closed and that there is no way of crediting the cash back balance. She further said they can not notify the credit bureaus that the late notice was an error because it was not an error, we made the payment late. Disappointing that our 16 year history of timely payments to this company ended like this. I suspect that because the account was dormant 12 months, the statements were defaulted to paperless to save on the costs associated with paper statements. We also have  a Costo Citibank card that we will close. There must be a better way to protect consumers from these unscrupulous tactics to generate late fees and avoid making good on earned cash back rewards ( at the time of account closing, we were not notified of forfeiture of this reward balance ).
Consumer complaint received 2020-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

Dear Experian XXXX  XXXX  I need you to fix this problem below please note that this is factual information taken directly from my credit report and these are blatant inaccuracies I would like for you to send me the DOC that are used in this investigation. 

These are the items I am challenging : XXXX XXXX XXXX Delete account for failure to perform and investigation per FCRA regulations because date of status did not changed and shows XX/XX/XXXX even though I disputed this account on XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX is marked 30 days late on Experian and on time with XXXX. This account is inaccurate and must be removed. 


XXXX  XXXX XXXX XX/XX/XXXX is marked 60 days late on Experian but 30 days late on XXXX. This is inaccurate and must be removed. 


XXXX  XXXX XXXX XX/XX/XXXX is marked as 150 days late on XXXX but 120 days late on XXXX. Delete immediately XXXX XXXX XXXX. XX/XX/XXXX is marked 150 days late on Experian but 129 days late on XXXX. Delete immediately Please expedite
Consumer complaint received 2017-06-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (TX)

Non -receipt of payments-las t two m onths via usps.late fees applied.disputed fees.   payment received this month again, due date th e  XX/XX/XXXX  of m onth.mailed on the first from    XXXX   XXXX   to   XXXX  , TX.Have not rec eived draft from    XXXX   XXXX   XXXX   . today is the   XX/XX/XXXX .no contact to a lert me.    Caliber Home Loans   XXXX  TX tel.  XXXX   XXXX .
Consumer complaint received 2017-06-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMCOL Systems, Inc. (NC)

On XX/XX/XXXX, a visit to XXXX XXXX XXXX had taken place. Insurance information was provided, Full Coverage XXXX, and it was said that no balance was owed. The hospital never reached out via mail or telephone regarding a balance. On XX/XX/XXXX, the account was sold to Amcol Systems Inc. of XXXX XXXX XXXX. XXXX SC, XXXX with a balance of {$1100.00}. The collection account was then added to a credit report, which in how the whole situation even came to light. The collection agency was then reached out to in regards of just gathering information on this collection account. The representative that was spoken to was extremely rude and disrespectful, using obscene and abusive language. When asked to locate the collection account under the social security number of the accused individual they could find ZERO accounts under that social security number. They had to search between different variations of names, telephone numbers, and addresses to even locate an account under the individuals name. When asked to provide documentation to the individual the representative was very hesitant in response, said that it would be sent out, but nothing was ever received. The individual has filed disputes against the collection account with XXXX and XXXX which have resulted in nothing. The individual has also reached out to XXXX, in which XXXX stated that the individual did indeed have Full Coverage XXXX at the time of the visit on XX/XX/XXXX and that they would gladly provide that information. Though, they will not be willing to pay the bill off because you can not file a claim with XXXX if it has been over a year from service. The individual is now reaching out to Consumer Financial hoping to have this reconciled and removed. The bill should have been billed to insurance, the collection account is not tied to the correct social, and the representative was rude and obscene. The contracted was also canceled when the account was sold and wrote off to the Collection Agency via XXXX XXXX XXXX, therefore there is no contract.
Consumer complaint received 2019-10-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I opened a Bank of America checking account in XXXX and have deposited my paychecks into it. My employer, a county Government, advised that my paychecks cleared weeks ago. I csnnot draw on the funds because there is a Hold on the funds. Calls to the XXXX BOA and customer service have not helped. I can not pay my bills. Help!
Consumer complaint received 2019-10-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Block, Inc. (OH)

This compliant is a follow-up to Square App response, they don't refund errors. I would like Square App., to return my money. I requested the name and additional information about the person and learned they were unaware of the transaction. The information, I have available states the person did not receive any money. If I don't receive my {$100.00}, I am going to file a judgement in court on theft charges. The incident happen on XX/XX/2019, my son was showing me how to use the cash app, my finger pressed the wrong number and send {$100.00}, to a unknown person. I immediately contacted my bank and explained the matter ; they reversed the {$100.00}, back into to my account. On XX/XX/2019, I received a notification, the money had been withdrawn ( again ) back to the same person. The bank informed me to contact Square App., because they requested the money ( again ). The purpose of writing this follow-up, I would like Square to show prove they deposited {$100.00} into the person account with the date.
Consumer complaint received 2020-08-27
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: SYNCHRONY FINANCIAL (MO)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-08-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (MI)

I have never been under contract with this company and they keep reporting inaccurate information on my account while I am in the process of homeownership, further putting me and my family behind during a worldwide pandemic, causing stress that is unneeded.
Consumer complaint received 2016-12-20
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

They, Capital One, have called me 43 times in 7 days. Several phone calls were made after XXXX and I have to work at XXXX. They call all hours of the day and they leave 1 second voicemails. I owe this company {$500.00} total and I told them I would pay the {$25.00} I owe on Friday when I got paid. They have called 42 times since then.