davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Spring Oaks Capital, LLC (TN)

Dispute item on credit. 
Spring Oaks Capital LLC Which appears due to identity theft. 
Company has failed to remove the identity theft based item after 30 days with no response from the collection agency. The item was placed on the file after the underlying creditor XXXX XXXX was deemed to be identity theft. Spring Oaks Capital LLC attempted to relabel the original creditor as XXXX XXXX XXXX in order to circumvent the FCRA.
Consumer complaint received 2024-07-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO Bank, N.A. (OH)

Bmo is holding my money and won't refund it or give me access too it they wanted proof of identity and I emailed it too them several times and they said ok they got it in XXXX phone call but in another they say they didn't and they will not release my money or refund it too me
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The credit reporting agencies are still reporting this account as delinquent. I have received a 1099c from the IRS that XXXX  XXXX XXXX filed that shows the debt was canceled.. I want this information to reflect on my credit filing with the credit monitoring companies. My credit scores are being.negatively affected by this information.
Consumer complaint received 2019-07-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC (WA)

Sent Letter to National Credit Adjusters in XX/XX/XXXX, requesting them to validate debt that says I owe them {$1000.00}. Which I notice from my credit reports. They did not send me anything prior to me writing to them or following month, after my notification in writing. I sent a second Letter asking the company to remove the information from my credit report. Since they did respond to my first letter asking them to validate information and who they were .What I did notice was they removed them selves from my credit report between the months of XX/XX/XXXX, XX/XX/XXXX and then returned back to credit reports on XX/XX/XXXX. On XX/XX/2019 National Credit adusters Sent inofrmation with list of alleged Charges that do not added up to the amount that, show on my credit reports. And pages that do not show that I owe National Credit Adjuster or a original Contract with the company.
Consumer complaint received 2024-07-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Block, Inc. (CA)

I attempted to transfer my XXXX XXXX from my cashapp account where my identity has been verified on numerous occasions and in fact still shows as verified but my multiple attempts have been blocked by cashapp. They are refusing to allow me to sell or transfer my XXXX balance since XX/XX/year>, stating I again need to verify my identity although my account clearly shows verified. I once again uploaded my ID, selfie with ID, and picture of my linked debit card as they requested the same day, and they are still refusing to give me access to my cryptocurrency with no valid explanation other than I need to wait up to 10 days for them to respond. I have contacted them through chat and over the phone repeatedly only to be disconnected or hung up on each time as they refuse to answer any of my questions. I have auto pays set up to this account which are declining, and need to access my XXXX to pay for other miscellaneous bills etc. It is causing me undue financial harm. My last request to them was to sell my XXXX and transfer my balance to my linked account to which I have received no response. All they say is they need to complete additional verification as to which I have previously done on numerous occasions and still my account show that my identity is verified, yet they will not let me access my cryptocurrency.
Consumer complaint received 2023-05-15
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: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Subject : Request for Removal of Negative Item Due to COVID-19 Hardship Dear [ Credit Bureau Name ] Dispute Department , I am writing to request the removal of a negative item from my credit report due to financial hardship caused by the COVID-19 pandemic. The unprecedented circumstances of the pandemic have significantly impacted my financial situation, and I am seeking your understanding and assistance in rectifying this issue. The COVID-19 pandemic has been a challenging time for many, and I appreciate your consideration in this matter. The removal of this negative item will greatly aid in my financial recovery and allow me to continue rebuilding my credit. 
Thank you for your understanding and prompt attention to this request
Consumer complaint received 2024-07-22
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Bread Financial Holdings, Inc. (CT)

Never received any information from Comenity Bank last four of account XXXX. Began receiving notices from XXXX XXXX. Refused to provide information from original creditor Comenity Bank XXXX. Began receiving letters from XXXX XXXX XXXX XXXX. Numerous phone calls. Repeated requests for information from original creditor Comenity Bank. Repeated requests to stop calling. Explained that I am XXXX. Told me that my credit would be damaged, they would contact my employer ( I have no employer ) told me they would sue me and XXXX XXXX XXXX XXXX XXXXXXXX and contact my landlord and inform them of the debt.
Consumer complaint received 2024-07-22
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE (CA)

I took a flight from XXXX, HI to XXXX, CA and picked up a credit card offer that was advertised by the flight attendants. The flight attendants announced that if you get the credit card offer with the promo code, you will earn XXXX miles with any purchase. 
The flight attendant said it could be as small as {$1.00}. This was announced to the entire plane multiple times. I took the paper application with the promo code. There was no URL on the ad so I didn't know where to apply. I XXXX it and applied for the card on the Barclay 's website, but there was no space for the promo code. I did not realize on the website that as I clicked through my entire application was submitted. I thought there would be more steps and the promo code box might show at the end, but it never appeared. 

I contacted Barclays and they are telling me there is nothing they can do and that I have to spend {$2000.00} to get the XXXX miles. I even emailed them my promo code to apply to my account. I then called and they said the promotion changes every day, and that if I reapply I may get less miles and a different offer. 

Since this did not work out right, I did more online searching to see if I could find more information on the offer. I then found this website that described the offer and it has been available since XX/XX/2024, so the offer has not been changing everyday. 
XXXX XXXX XXXX This website then has a link to apply to the website where there is a box for the promo code. XXXX XXXX XXXX I applied again here with the promo code, but it said my application has already been submitted ( through the Barclays website ) XXXX 

It should not matter where I applied ( they made it difficult to find ). Barclays manages the XXXX XXXX card. If they are offering this promotion, they need to honor it. Otherwise, this is false advertising and deceptive. Maybe it's something I can take up further with XXXX XXXX, but this has been frustrating and I feel misled.
Consumer complaint received 2024-07-22
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

In XX/XX/year> I disputed the accuracy of XXXX late payments, XX/XX/year> and XX/XX/year>. An investigation was completed and updated to show there was no data available for those dates. Today when my credit was pulled it showed the late payments were back on there. Please remove them as an investigation was already done and completed.
Consumer complaint received 2024-07-22
Product: Credit card — General-purpose credit card or charge 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: JPMORGAN CHASE & CO. (CA)

XXXX/XXXX/XXXX : I purchased online a XXXX XXXX XXXX at XXXX XXXX ( Items : XXXX ; XXXX ) with the amount of USD XXXX. 
XX/XX/XXXX : I contracted XXXX XXXX to pick up the items. XXXX XXXX tried to reach out to XXXX regarding my shipment in the attached XXXX of XXXX. XXXX stated they attempted pickup and there was no freight available for them per XXXX on XX/XX/XXXX at XXXX XXXX. 
Multiple attempts by me to communicate with XXXX personnel for my contracted carrier to pick up the items but was unsuccessful. It ended up that the items were passed due for pick up according to the contract. 
XX/XX/XXXX : I called Chase Sapphire customer XXXX to dispute the charge of USD XXXX XX/XX/XXXX : I called again Chase Sapphire customer service at XXXX to make a follow-up on my dispute. 
XX/XX/XXXX : I called again Chase Sapphire customer service at XXXX to make a follow-up on my dispute but they said that XXXX resubmitted their claim and Chase honored it.
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Exeter Finance, LLC. (GA)

Please assist in deleting these items from my credit report 4 days after you receive this notice. I'm willing to accept the deletions of the unauthorized erroneous items instead of taking legal action for the violations you clearly made. 

These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these inquiries to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

SS # : XXXX XX/XX/XXXX Re : CFPB- TransUnion Expedite Complaint : As per the guidance from the Consumer Financial Protection Bureau XXXX CFPB ), and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- 1002.412 ( b ) ( 7 ).

I have provided my photo ID along with the other required documents.

I kindly request that you block this information from my credit reports within 4 business days, pursuant to section 605C of The Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the law which I have provided all my documentation as well as victim determination letter according to 1002.142 ( b ) ( 6 ).

I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be BLOCK AND DELETED COMPANY TRANSUNION LLC. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2024-07-22
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (TX)

I opened the ULTA beauty credit card with the comenity ( bread finicial ). 
first of all, when you are encouraged to apply, the information they give you is like you can pay through app and etc. You dont get the credit card in time. You dont have enough information in time. 
when I got to know the charge on my account, they already put on the late fees but didnt show on the statement balance. 
i talked with the agent about late fees piling up because it was under my understanding that i had already paid my balance. but they keep on charging me with the late fees. 
the agent promised me ( in XX/XX/year> ) that she is going to remove all the late fees and charges so i can keep the card. I was under the impression that i have XXXX balance on my account. but just saw it recently that they put the late fees back and charged me late fees twice within a few days. i.e on XX/XX/year> and then again on XX/XX/year>. 
I am just so appalled by this that even with no balance on my hand, i still had to pay XXXX XXXX this isnt what i signed up for. my actual transaction was o XXXX XXXX I am not up for paying my hard earned money for these late fees.
Consumer complaint received 2024-07-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC. (GA)

I fell behind on car note due to XXXX  and deaths in my family. Had to put a new engine in the vehicle as well. So I've been playing catch up. I had just paid {$840.00} on XX/XX/XXXX to bring down amount of days behind and catch up on car note. I forgot to set a payment arrangement and received a repossesion notice on Friday the XXXX of XX/XX/XXXX. Tried calling over and over could not reach anyone even though the web page for XXXX XXXX says they are open until XXXX XXXX  on that day and until XXXX XXXX on the XXXX that Saturday. Today is XX/XX/XXXX the following Monday. I call in trying to make a payment. First rep states can't do anything unless {$3500.00} is paid or settle at {$25000.00}. Second rep XXXX states that the repossesion state can be changed but it's not company policy, that they can accept {$2500.00} today then the remaining {$900.00} and change in XXXXen days and that the {$25000.00} is feasible for settlement. I request another higher up. Third representative XXXX of security operations proceeds to deny any prior statements made by her lower team members and states unless XXXX, not even including the fees theyve placed on me, is paid they can not do anything and even though I just made a full payment of {$840.00} the XXXX of XXXX my account was setup for repossesion on the XXXX of XXXX. These people have scammed me out of an extra payment didn't tell me I was in repossession until the XXXX of XXXX and then will not work with me so I can keep my vehicle. The practices of this company are vile and they take advantage of any fault they can to put you into more debt. I got the car in XXXX of XXXX and my payoff is XX/XX/XXXX. At halfway through the loan they could give no reconciliation to help me even though I'm offering to pay now and another full {$840.00} payment by the XXXX of XXXX. I'm tired of companies like this. Something has to be done to stop them from taking advantage of consumers.
Consumer complaint received 2024-07-22
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (PA)

On my XX/XX/year> XXXX XXXX ( issued by Synchrony ). I received a {$1.00} fee, which is billed as " Paper Statement Fee ''. I believe this is a junk fee and even though I will be canceling the card I would like to log a complaint.
Consumer complaint received 2024-07-22
Product: Checking or savings account — Checking account
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: WELLS FARGO & COMPANY (AL)

The account is not my account the account is inaccurate, the account is open under fraud. All checking accounts that's listed under my social security number is fraudulent. Wells FargoXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Etc. I am a victim of Identity theft. Please assist in helping removing away from my name. These are not my account. I never had knowledge of this until now
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TD BANK US HOLDING COMPANY (NV)

I have called so many times over the past 6 years to have this corrected and reviewed by someone. They refused to do it. I have 2 cards on my account listed, one a credit card and one a store card. I sent in all the paperwork to dispute. It was during the time of my very ugly divorce, so I decided to just settle and move on. We agreed to settle as paid as agreed. This was XXXX. Now in XXXX, all of a sudden they put me on CHARGE OFF. This is not what we agreed too. I am trying to buy a house and right after I got my preapproval, I got notification of this change on my credit report. I looked at it and sure enough it shows as CHARGED OFF rather than settled and paid as agreed. This took my credit score down almost XXXX points. This is causing me to not be able to buy my house! I called them and XXXX said it is what it is and I can continue to write in but they will not fix it. She then hung up on mew when I asked to speak with a manager. This was not my purchase. I believe one of the balances was like XXXX bucks or something small like that the other was around XXXX. I settled it. I paid what they asked for even though it was not mine and years later they change it to charge off. I also can not have charge offs on my credit as a bank manager which is why I settled it in the first place, even though it was not mine. I need this updated. It is set to fall off in a year but I am set to close on a house next month!
Consumer complaint received 2024-07-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Early Warning Services, LLC (FL)

Bank Name : XXXX XXXX XXXX Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Current Account Status : Closed Previous Account Status : Pending Closed Bank Name : XXXX XXXX XXXX XXXX Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Consumer Removed Date : XX/XX/XXXX Current Account Status : Closed-Purged Previous Account Status : Closed Bank Name : XXXX XXXX XXXX XXXXXXXX  XXXX XXXX : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Consumer Removed Date : XX/XX/XXXX Current Account Status : Closed Previous Account Status : Pending Closed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX Account # : XXXX Open Date : XX/XX/XXXX Consumer Removed Date : XX/XX/XXXX Current Account Status : Savings Post No Debits Previous Account Status : Savings Present Date of Last Status Change : XX/XX/XXXX Bank Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Consumer Removed Date : XX/XX/XXXX Current Account Status : Closed For Cause Previous Account Status : Overdrawn Bank Name : XXXX XXXX  XXXX XXXX XXXX XXXX # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Current Account Status : Closed Previous Account Status : Pending Closed Date of Last Status Change : XX/XX/XXXX Bank Name : XXXX XXXX XXXX XXXX XXXX XXXX  # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Current Account Status : Savings Closed Previous Account Status : Savings Pending Closed Date of Last Status Change : XX/XX/XXXX Bank Name : XXXX XXXX XXXX XXXX # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Consumer Removed Date : XX/XX/XXXX Current Account Status : Savings Closed-Purged Previous Account Status : Savings Closed Bank Name : XXXX XXXX XXXX XXXX # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Consumer Removed Date : XX/XX/XXXX Current Account Status : Closed-Purged Previous Account Status : Closed Bank Name : XXXX XXXX XXXX XXXX Bank Routing XXXX XXXX XXXX Account XXXX : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Current Account Status : Closed For Cause Previous Account Status : Post No Debits Date of Last Status Change : XX/XX/XXXX Bank Name : XXXX XXXX XXXX XXXX Bank Routing # : XXXX Account XXXX : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Current Account Status : Closed Previous Account Status : Pending Closed Date of Last Status Change : XX/XX/XXXX
Consumer complaint received 2024-07-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY (TX)

In regards to Dispute XXXX, American Express needs to refund my credit card charge of {$2500.00} back to my credit card ending in XXXX. I am the homeowner of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, I know who is working on my home. The builder ( XXXX XXXX ) finalized the electrical work, not XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) never touched our home to perform electrical work. He fraudulently charged my card {$10.00} to see if it would go through, before charging {$2500.00}. He claimed he did electrical work but he never did. That is fraud. I never signed a contract with this electrician. I never authorized any of these charges. 

I filed a Police Report for theft of services, performed Release of Contractor with the City of XXXX, inquired with a lawyer to send a Demand Letter, and submitted multiple, valid evidences of this theft.