davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-15
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: BARCLAYS BANK DELAWARE (CA)

I opened online Saving and CD accounts from Barclays. I was able link my XXXX XXXX XXXX with their external bank links to fund the savings and CD account. Once the external bank link is established and verified, Barclays initiated the ACH transfer for {$15000.00} in total to fund both accounts. However, they locked my online account access after the money was transferred. I called and they told me that the account is locked for pending verification with external bank linkage. And asked me to send them the most recent statements for my linked banks. I sent my bank statement from XXXX and XXXX XXXX to them. Even after I sent it, the account still remain unaccessible, I called back and was told I have to wait up to 7 business days to access my money online. 

They were able to pull my money from XXXX bank and only do this full locking after they receive the fund. They do not allow me to speak to the security department who locks my account access without any notification
Consumer complaint received 2023-07-25
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: Experian Information Solutions Inc. (CA)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-27
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (CO)

I rented at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX - At their XXXX XXXX for eight years. They sent an {$890.00} debt to National National Credit systems because they allege my cat damaged the carpet. 

I was there for eight years and can prove that. Damages to carpet are normal after eight years. They said it was because of cat pee. When National Credit systems contacted me the SECOND TIME after I told Them to STOP, they sent a copy of the lease. This does nothing to prove these damages or that I am liable for them & I told them to stop. 

Residence at XXXX XXXX XXXX  XXXX XXXX, XXXX CO XXXX XXXX XX/XX/XXXX to XX/XX/XXXX. 
The same carpet was there the whole time. 

National Credit Systems address is XXXX XXXX XXXX. XXXX GA XXXX Although their original correspondence was from XXXX CA. 

Legal aid said I could ask them to stop. I sent a note to that effect & they contacted me again.
Consumer complaint received 2024-10-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NJ)

I have XXXX companies trying to collect debt that's not valid, and are hurting my credit. These companies are,, lvnv funding,, XXXX XXXX,, XXXX XXXX,, XXXXXXXX XXXX XXXX... I have already been sued from lvnv funding and having my paycheck garnished without my permission..
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (IL)

On XX/XX/year>, XXXX and XXXX credit reporting agencies falsely reported a collections in the amount of {$130.00} and {$1200.00} from a collection agency named LVNV FUNDG. This is not my debt, nor did I sign for any debt related to this collection agency LVNVFUNDG with these amounts. I disputed the above-mentioned collections through the normal disputing process provided by both ( XXXX and XXXX ) credit bureau agencies. Both agencies returned within a few days that the debt was verified with no documentation or contractual agreement from LVNV FUNDG. This is fraud and both credit bureau agencies ( XXXX and XXXX ) did not follow the proper protocol or investigation promised by their agencies on my ( consumer ) behalf. No company should be allowed to report false debt on a consumer credit report. I am asking that the two ( 2 ) collections be removed, as they are false debt and do not belong to me. 
Thank you in advance for your assistance in this matter.
Consumer complaint received 2023-04-01
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: CAPITAL ONE FINANCIAL CORPORATION (CT)

On XX/XX/XXXX, I made a purchase on Kohls.com. Order # XXXX, for {$630.00}. I returned the item with a return label issued by a Kohls  Supervisor on XX/XX/XXXX. The label was for XXXX and the tracking number is XXXX. I received confirmation that the package weighing over 90 pounds was received by Kohls within five days of being sent. I called Kohls a total of 11 times from XX/XX/XXXX to XX/XX/XXXX in an attempt to receive my credit refund on my Kohl 's account. a few of the managers I spoke to at Kohl 's were : XXXX, XXXX, XXXX, XXXX, and the gave me multiple stories my refund would be processed. 

It is now XX/XX/XXXX, and I still don't have my refund of {$630.00}, and I am also requesting all the interest I paid on this return since XX/XX/XXXX, Thank you kindly for your help! 

XXXX
Consumer complaint received 2024-10-27
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Goal Structured Solutions, LLC (CA)

message sent to XXXX XXXX XX/XX/year> with attachment XX/XX/year> ticket number XXXX & XXXX XX/XX/year> sent correct XXXX payment message again XX/XX/year> message to request XXXX fix error XX/XX/year> sent message again since XX/XX/year> customer service tole me they will fix within XXXX days. 
they never fix the wrong amount. 
and XXXX, they send me amount past due & late fee correct MONTHLY amount should be {$150.00} but XXXX charge me {$160.00} XXXX filed bankruptcy, for my solar leasing program has been transferred to XXXX XXXX ( XXXX XXXX ), 3rd party send me wrong amount but never fix their error. I am so frustrated to email/call customer service. phone call need to wait XXXX & XXXX hours every time. messages - they never reply PLEASE HELP. 

CONSUMER XXXX XXXX
Consumer complaint received 2023-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2023-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I opened up a credit card account and it came with a free credit report and it notified me of fraud alert and found " dark web activity '' and they have my personal information including address, drivers license #, and social security # under my past last name on 3 different inquiries on XX/XX/2023 on Transunion and XXXX on my XXXX XXXX XXXX card on XXXX. I'm not sure what to do please HELP...
Consumer complaint received 2023-04-01
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)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-04-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: TD BANK US HOLDING COMPANY (VA)

TD Bank violated law when they closed my credit card account while I was actively disputing billing errors on the account. They closed the account on or around XX/XX/2023 without any prior notification and in violation of TILA. 
They failed to respond to the disputes sent but continued to report the erroneous, unverified, inaccurate, false and misleading information to consumer reporting agencies. They also failed to conduct a reasonable investigation and provide documentary evidence of any investigation regarding the billing errors. 
They are negatively impacting my consumer reports by their unfair and deceptive business practices. I want the CFPB to ensure TD Bank does not violate my federally protected consumer rights. I want TD Bank to resolve this matter by crediting the closed account balance as paid in full, issuing a new credit card with a {$11000.00} limit and to delete and discharge the closed account from all consumer reporting agencies databases. 
TD Bank also breached the credit card agreement at the onset by failing to provide accurate information regarding the arbitration clause in the agreement. The XXXX is no longer allowing TD Bank to use their services and TD Bank failed to provide the agreement detailing the correct arbitration process. 
If they do not amicably resolve this matter I will file a US District court complaint.
Consumer complaint received 2023-02-14
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. (MD)

I have a Chase Sapphire Preferred Ultimate Rewards Credit Card that I got specifically for the purpose of receiving points through personal shopping and travel. Over the last 8 months, I have made three separate reservations through Chase 's Ultimate Rewards website ( one round-trip plane reservation in XXXX XXXX and two different hotel bookings in XXXX XXXX. ) There are 'Trip Confirmation ' receipts in my Trip 's folder on the Ultimate Rewards Website that state exactly how much money I spent and how many points I was supposed to receive for each trip : XX/XX/2022 - XXXX points, XX/XX/2022 - XXXX points, and XX/XX/2022 - XXXX points. However, Chase has not given me these points and while two different 'escalations ' were made regarding these matters in XXXX XXXX and XXXX XXXX no one has given me an answer as to why I haven't received them or when I will receive them. 

I have spent hours on the phone being transferred to numerous different representatives, supervisors, ect. all of whom argue over which department is supposed to handle this and none of whom ever gave me any real answers. The higher up I got, the more likely I was to be told I would get an answer before being placed on hold only to end up back at the start of each departments phone system, almost as if they were deliberately trying to get me as frustrated as possible so I would hang up. One day I did just that after three hours of this endless routine and talking to over 15 different people across multiple departments. 

I spent a lot of time researching what type of personal credit card to get and I am incredibly disappointed in the customer service and care that I have received from Chase. As a business owner who was considering switching all of our accounts to Chase, I can no longer say I have any faith in the company 's ability to handle my personal or business finances in the future.
Consumer complaint received 2023-04-01
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to send money to another person
Company: Newport Intermediate Inc. (MI)

Received a refund from closing my XXXX XXXX XXXX account on a northlane XXXX pre-paid debit card. Unable to set up account on northlane site. Phones only offer standard push button # x for this service features. I was able to activate the card. When I try to log in, I am told I would be sent an email to reset my password XXXX. Never received said email. On XXXX XXXX XXXX 's website they state refunds may be credited to your credit card. This is what I desire. Crediting my {$77.00} to my XXXX XXXX, the same XXXX which was used to pay my XXXX XXXX XXXX bill. On XXXX & XXXX 's consumer forum there are many complaints about northlane debit card issues. Submitting a complaint to cpfb was one suggestion to resolve the problem of getting our money.
Consumer complaint received 2024-10-26
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: GOLDMAN SACHS BANK USA (NV)

I heard theres a lawsuit for Apple and Goldman Sach for lying about interest, and stealing money from customers with hidden fees. And Ive personally been charged with crazy interest fees I still cant pay back today XX/XX/year>XXXX  and Im curious if I quality to receive payment? Thank you!
Consumer complaint received 2023-03-15
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: EQUIFAX, INC. (TN)

I was a victim of credit fraud in which someone tried using my identity to open credit cards. I filed all paperwork with FTC and all legal action is completed, copies sent to all the Bureaus. I need these unauthorized inquiries removed immediately!! 
The Unauthorized Inquiries on my EQUIFAX and XXXX XXXX Reports : Equifax : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022
Consumer complaint received 2023-03-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-03-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the fair credit Reporting act XXXX Account, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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 2023-03-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

On XX/XX/2023, someone generated an inquiry on my credit report titled " XXXXXXXX XXXX XXXX ''. This inquiry was NOT authorized by me and was done fraudulently! I contacted XXXX and TRANSUNION and advised them of the situation. They both stated that I needed to send in an FTC report along with a cover letter in order to get the inquiry removed. On XX/XX/2023 I sent them both a cover letter along with a FTC report. XXXX has yet to remove the inquiry and its been well over 30 days. TRANSUNION confirmed they received my documents but deemed them invalid because they did not have my signature or the date on them. I have attached the documents that Ive sent to them and it CLEARLY has my signature and the date.
Consumer complaint received 2023-03-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc. (MD)

Comenity Bank had four of my cards Overstock, XXXX XXXX XXXX Wayfair and XXXX. 
I filed for the hardship program in XX/XX/XXXX, they told me that hardship will be approved only if I am late for one month. Once I applied and was approved for the hardship program I should not be charged the late fees. I am being charged late fees as I am paying under the hardship program.
Consumer complaint received 2023-03-15
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (AL)

Upon checking my consumer report. I see that your company is reporting that i have a account open with your company. I never applied for a credit card with your company. I never gave your company or any other person to use my name or likeness for such account. Any account open with your company is fraud and due to my information being stolen and used is identity theft.
Consumer complaint received 2023-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (CA)

I have 4 open disputes on derogatory reports filed by Firstmark Services/Access XXXX XXXX on my student loans. There is one payment due monthly to Firstmark, the loan servicer, but there are apparently 4 separate accounts. 
I submitted a payment on XX/XX/2023 in my time zone ( PST ) prior to XXXX PST, bringing me less than 60 days past due but was incorrectly reported to the credit reports as 60 days past due on my 4 accounts with them. 
I am a California resident, and on my email payment confirmation, included with this correspondence, there is an asterisk that states ( boldened and underline added ) : * For California Residents, payments received on or before XXXX Pacific on your payment due date will be made effective the date on which the payment is received. 
Therefore, the XX/XX/2023, payment made before XXXX Pacific should have been made effective on XX/XX/2023, and the account was not 60 days past due as reported to the credit bureaus. I request all 4 derogatory marks be deleted from my credit report.
Consumer complaint received 2023-03-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Albert Corporation (OR)

On XXXX my paycheck was deposited into my Albert bank account for {$3300.00}. On XX/XX/2023, in the morning, there was {$1000.00} in my account with {$20.00} in my savings. So {$1000.00} in my cash account. When I went to look again, there was - {$170.00} in my cash account and no record on how it was taken from my account. There are no transaction records for the money being taken. I have tried to reach out to Albert to get my money back and they kept giving me the run-around and were not helpful.
Consumer complaint received 2023-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC (NY)

We signed a contract with Lexington Law to help us repair our credit on XX/XX/23. The initial fee was {$69.00}. They took out over {$400.00} dollars in XXXX month : XX/XX/23 ; XX/XX/23 ; XX/XX/23 ; with no results on my account or my friends account. They have violated my customer consumer law under CROA because they have been charging upfront fees for a service they did not accomplish. Lexington Law has been charging me monthly to remove negatives from my credit report. I was informed verbally that this was a family plan, that we would be charged {$130.00} a month for the both of us, not separate as we are a family & live together. They were suppose to refund me 3-5 business days from XX/XX/23 & when I called today, XX/XX/23, they kept saying they can only refund once they investigate the phone call, as every call is recorded. I requested the recorded phone call & they did not want to release it by giving me the run around. However, they proceeded to refund me half of that money after claiming my legal rights to receive all of my money back.
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (VA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.