davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HUNTINGTON NATIONAL BANK, THE (MI)

I opened a new checking account online with Huntington Bank on XX/XX/year>. There was ( and still is ) a public offer for a {$400.00} bonus if I set up direct deposit and had at lease one {$1000.00} direct deposit made within 90 days. I had direct deposits of {$1000.00} on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The terms of the agreement say that the bonus will be paid within 14 days of the 90 day mark. 104 days was XX/XX/XXXX. No bonus was paid. 

I called on XX/XX/year> and was told that I had not signed up for the bonus. This was incorrect, as I kept a screen shot of the application page clearly showing the bonus terms and clearly showing that the promo cade had been applied to my application. I was told that they would look into it and I should call back in a week. 

After one week, ( today, XX/XX/XXXX ), the bank has still refused to pay my bonus and is still claiming, despite my hard evidence that I did not apply the promo code. 

This is fraud. I applied using a publicly available link. I met all the required terms and am due the bonus. I have hard evidence that I followed the link and applied the code.
Consumer complaint received 2024-05-29
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (OK)

our lease expired for XXXX XXXX and we moved out of the state of Massachusetts and moved to the state of XXXX. We were informed by a XXXX XXXX neighbor that there were squatters in the XXXX XXXX  apartment I was told they were named XXXX and XXXX XXXX. It's unfortunate that they moved into the apartment without the consent of XXXX XXXX but once our lease was up it was NOT OUR RESPONSIBILITY ANYMORE. This is not my debt I was living in the state of Oklahoma when the so called charges incurred. I have included documentation proving my Oklahoma residency in the form of a lease agreement and I've also included my most recent picture ID when i tried to prove my case with the company the company name is Hunter Warfield and they have called me and called me and called me, they have been very rude and very threatening in nature during this entire process
Consumer complaint received 2024-05-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (CT)

This is another complaint with COMPLAINT ID XXXX On XX/XX/year> I again called Cash App to work on closing the account, I had to call 5 times. I was hung up on 4 of the 5 times before someone could assist me. I was sent an email with a " secure link '' to upload a picture of the card I received along with providing this information : " 1. Your Full Legal Name ( first and last ) 2.The name listed on the Cash App XXXX you received 3.Has anyone previously lived at this address? '' This email was from XXXX. Cash App Support ref :! XXXX.! XXXX : ref I followed the instructions and never received a follow up response on if the account is closed. 

On XX/XX/year> I received another email this time from XXXX.Cash App Complaint Operations Team ref :! XXXX.! XXXX : ref. This time reaching out in response to my complaint with Better Business Bureau asking for once again : " In order to disable the card, we need the following : 1. Your Full Legal Name ( first and last ) 2. The name listed on the Cash App XXXX you received XXXX. Has anyone previously lived at this address? 
4. Please use this link to securely share the front and back images of the card : '' I already did this on XX/XX/year>, I didn't get a response but now I'm being asked to do it as if I haven't already done so. 

This email also addresses my request to have my name, ssn, and address blocked from being used by someone creating another fraudulent account in the future since this is the second time in 30 days this has happened and the information they are asking for is in my opinion unacceptable. 

" 1. Front and back photos of one of the following forms of U.S.-issued ID : - Drivers license - State ID - Passport Card ( US Only ) - Passport ( US Only ) 2. A selfie of you holding your ID 3. Confirm the last 4 of your SSN ( last 4 ONLY, do not provide full SSN to best protect your information ) '' I have already been a victim of identity theft and this information that they are asking for can further expose even more of my sensitive and private information. My ssn is locked, my credit is frozen and I have already had this happen with Cash App and closed the 1st fraudulent account. Cash App has all the information they need to block future attempts. It is not reasonable for me to have to repeatably prove who I am when they require less evidence to open an account. I have never and will never open a Cash App account or use Cash App services.
Consumer complaint received 2023-11-09
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. (NY)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX CO XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$460.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX NA ) XXXX Balance : {$1000.00} ; XXXX  XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022.
Consumer complaint received 2024-05-28
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Neon Newco Corporation (PA)

I purchased what appeared to be a PayPal issued reload-card at XXXX. PayPal issued its own reload cards in the past, which were very helpful for loading funds to your account. These cards were misleadingly and deceptively packed to appear as those former PayPal reload-cards, until after you removed the packaging and clearly see the word " Debit '' on the card. On the back of the card is the owner & issuer which is XXXX XXXX XXXX  XXXX and 'Netspend Corporation . ' I couldn't activate my card for some indeterminate reason ; The process of getting refunded was very arduous, convoluted, and time-consuming ( All were foreign based customer service agents ) ; And I was charged a {$10.00} fee for reimbursement, on top of the activation fee which I paid at XXXX when I initially purchased the so-called PayPal card. I was supposedly sent a refund-check by mail that I'd NEVER received.
Consumer complaint received 2024-05-28
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (GA)

On multiple occasions, Wellsfargo has wrote me in regards to security breaches and also they have charged multiple overdraft fees with no explanation. After going through the pain and suffering for years, I eventually closed my account with them.
Consumer complaint received 2024-05-28
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (WA)

I received a physical American Express XXXX XXXX for {$500.00}. I have tried to use it at multiple online stores and it has been declined at all of them. For some of the transactions there has even been a {$0.00} charge to the card even though the transaction was declined. There are sufficient funds on the card to cover the transactions and I entered all the info as directed by the American Express XXXX XXXX site - there is an FAQ on how to use the card at online stores and I followed all the directions. The directions state to enter it as a credit card ( not gift card ) and enter the card number, the expiration date and the security code. If it requires a billing address, the American Express XXXX XXXX XXXX says to enter my name and billing address. I did all of that and they card was still declined. I then called American Express XXXX XXXX customer service and they told me I can not use it at online locations that require a billing address, even though the American Express XXXX XXXX FAQ online said to enter my own info if that is requested. The customer support representative just suggested I use it at a physical location that takes the card, which is not particularly helpful.
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC. (GA)

XXXX is reporting 2 account incorrect. The credit acceptance account is not my account and she be removed asap. The other account which is Chylser Capital she be reporting charge off. They have already repossessed car and sold it.
Consumer complaint received 2024-05-28
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: Self Financial Inc. (MO)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX XXXX, Missouri Laws Dear SELFXXXX, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and identity theft laws in XXXX XXXX, Missouri .

It has unequivocally come to my attention that SELF/XXXX has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Missouri state law emphasizes the necessity of consumer consent for credit reporting. XXXX XXXX identity theft and fraud statutes further underscore the severity of unauthorized access and misuse of personal information. 

I assert with unwavering certainty that I have not provided consent for SELFXXXX to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that SELF/SSTATBK immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and relevant Missouri laws . Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity theft and fraud statutes.

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting.

I anticipate your immediate attention to this matter and expect that SELF/XXXX will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-05-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (GA)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-05-28
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: DIGITAL FEDERAL CREDIT UNION (NY)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2024-05-28
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC (IN)

XXXX XXXX ( consumer, individual, person, client ) reporting on unethical and fraudulent activity of Concora Credit INC. ( company ) previously known as Genesis Credit ( company ) A payment was made via telephone call and automated system which verified a checking and routing number with the client. The payment was made on time without any need for late charges in an amount over the minimum payment of a total charge of XXXX XXXX XXXX XXXX dollars and XXXX cents, {$150.00}, prior to the due date of XX/XX/2024. After making a confirmed payment, with the amount withdrawing from the clients bank account, the client received a text message several days later claiming the payment toward the account for the Month of XX/XX/2024 was past due. 
The client called the company to which the company representative claimed the routing number was incorrect and the transaction cancelled. The client verified with the bank the payment to the company withdrew on the date the payment was initiated and the company has suddenly sent back the payment. Without any additional contact from the client to make a payment, the total amount of the payment for XXXX XXXX XXXX XXXX dollars and XXXX cents was taken from the clients bank account by the company about two weeks after the due date with late charges applied from the company to the clients account. If the company statement of the routing number being incorrect was true then how did the payment get withdrawn effectively without a correction from the client? 
The bank can prove the transaction, the text messages can verify the company 's unethical and false claim imposed on the client with intent to add late charges to the account and furthermore a transaction was completed using the intial information the client provided without correction to the information ; which was claimed to be incorrectly entered by the company- proving the company 's claim was invalid and the transaction declined for the alternative motive of the company to gain more currency by superimposing late charges on the clients account by altering the payment arrival date ( which can be traced ) and using the clients details without consent ( which can also be traced via client phone history ). 
In short : the company took the clients payment, saved the clients payment details, returned the initial payment ( which was on time and above the minimum amount due ), sent the client falsified notices of late payment due, then confirmed the clients payment after the due date without client consent in order to add late fees to the client 's account.
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Discovering an error implying a late payment on my account is troubling, especially given my history of consistently meeting payment deadlines. This discrepancy is causing undue stress, and I urge you to promptly address it by ensuring my records accurately reflect my payment history.
Consumer complaint received 2024-06-21
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. (CA)

PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.
Consumer complaint received 2024-05-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (IN)

On XX/XX/2024 Chase bank closed my checking accounts down. The amount that was supposed to be returned was {$1000.00}. This was for my representative payee account for my brother. Who gets his monthly SSA check deposited. I was giving documents that says Chase returned the check back to the treasury. According to the treasury they didnt receive the funds. I went and spoke to staff at the branch. I was told that a cashier check for the remaining balance was sent to my home. I havent received any check. I filled out a form back in XXXX. I have yet to receive anything.
Consumer complaint received 2024-05-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (MD)

I was trying to purchase 2 handbags with this XXXX seller : XXXX. Her mode of payment is Cashapp, XXXX and Wire transfer only. She was able to provide all the information I requested so she was very believable. I sent money thru CashApp initially for {$5000.00}, it got declined. I tried {$500.00}, it got declined again so I called them to inquire why it was not going thru? This rep told me that he can not give me more information. I asked again, is this account a scammer account? Again, he said that he can not give me information. The scammer lured me in sending money in {$200.00} increments until I was able to send her {$16000.00}. I sent {$2500.00} thru XXXX which makes it a total of {$19000.00} on XX/XX/XXXX and XXXX, 2024. I got the package on XX/XX/XXXX and the box contained a bedsheet inside. I went straight to the police station and brought the box with me and filed a police report. They advised me to file a complaint to USPS which I did. I also reported it to FTC and Office of Atty General in Maryland. As soon as I realized I got scammed, I contacted my bank XXXX XXXXXXXX because my CashApp and XXXX are connected to my checking account. I was crying when I called them and they advised to me to contact the consumer protection that Monday ( XXXX XXXX ) because the department was already closed. I called them Monday and filed a dispute. They processed everything and denied the claim the following day. I called them again and filed a re battle as advised by their rep. I contacted XXXX to file a complaint on CashApp because they refused to informed me that the account I am sending money to was a scammers account. CashApp contacted me and states that they can not help me recover my funds but when I brought up that call I placed to them on why they did not tell me right there and then, he only told me that he will share this concern to the team. Why they continue to accept money knowing that this scammer is getting money from innocent people.
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Specialized Loan Servicing Holdings LLC (FL)

I had a home mortgage with Specialized Loan Services which was paid in full in XX/XX/year>. 

The current account status is shown as 120 days past due on XXXX and is damaging our credit score.

I have tried to contact SLS, but have been unable to speak with a human.

Thank you. 

XXXX XXXX
Consumer complaint received 2024-05-28
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: SANTANDER HOLDINGS USA, INC. (GA)

I am writing this request because I am requesting automatic deletion with the hard inquiries that are unauthorized and I did not those on my credit report. I have called the company because the credit bureau asked me to call them because they want to make sure its not attached to a different account, but the company said that they do not have multiple accounts, but the credit bureau says that it was pulled in attached from their bank, which is Santander, after asking questions they have end call in my face and I called and I get a different person. They said Santander Santander, and they dont run credit. They leave on my credit and they are updating information. The credit bureau agreed that they will delete the specific card inquiry off my credit if Santander could call them and, let them know that the accounts are not attached to them because basically what the credit bureau told me is that Santander is connected to all the inquiries that was made under my Account. As a young person who was trying to strive in life these credit bureau and credit cards company theyre holding me back from Achieving my goals. Also, I have another hard inquiry that is from XXXX XXXX and few other inquiries. I would love them to get removed from my credit immediately so I can start to get my house. I need somewhere to live.
Consumer complaint received 2023-10-04
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Source Receivables Management LLC (IL)

Source Receivables Management has been trying to collect a T-Mobile debt ( {$2100.00} ) for several years that is not mine. I have asked for verification of debt several times without receiving it. They have put this collection on my report multiple times and removed it twice. The first few times it appeared on my report, I never received a letter. Recently, I received a letter from them on XX/XX/2023 stating that if I write to them by XX/XX/2023 requesting verification of debt/disputing this debt they will send me proof and cease collection practices until this is sent out. I responded to their letter on XX/XX/2023 and have yet to receive anything and they have put the collection on my report which resulted in my score dropping XXXX points. I have been denied credit as a result of this drop in score and lost credit cards.
Consumer complaint received 2024-05-28
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: OneMain Finance Corporation (NC)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement XXXX  days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.