davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-17
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (NJ)

I have received a call from XX/XX/24 at XXXXXXXX XXXX I believe the time was much earlier, but the phone script said XXXX. When I heard the voicemail just after I received, it looked like female caller. The recoded voice looked like more old fashioned recording. 

The number is XXXX. XXXXXXXX XXXX 

Voicemail transcript Good afternoon my name is ______ on your I'm calling from synchrony Bank this message is for XXXX XXXX XXXX regards to your teacher ___________ account I received your correspondence regarding an issue were having with your credit account and I wish my name to touch base with you regarding that if you could please return my call at XXXX I would appreciate it thank you and have a great day ....
Consumer complaint received 2022-12-06
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (TX)

My XXXX XXXX XXXX credit card that was administered by Comenity Bank- a service owned and part of Bread XXXX- has continually failed to provide accurate and timely monthly statements of my account. These monthly statements are required from a CFPB perspective and necessary for me to know balances owed, fees, interest etc.. and to remit payments. I've reached out to the company multiple times and even filed a complaint with the CFPB, and the company has failed to rectify the issue. To date I still do not have access to my current monthly statements. The company claims there was a temporary outtage due to a technical update, but that that has been completed now and their systems restored. This however is not the case, as I am providing a snapshot of what I see today showing I have NO statements provided or available to me since XXXX of 2022. No attempt to provide these in a timely fashion via mail or within my online profile without me having to contact customer service has been adhered too. Bread should be held liable and fined for non-compliance with these requirements and customers should be compensated for their time and frustration.
Consumer complaint received 2022-12-31
Product: Credit card or prepaid 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: Bread Financial Holdings, Inc. (NC)

I have not received a statement ( either via email or mail ) from Comenity Capital Bank XXXX XXXX XXXX since they became my credit card servicing company sometime around XXXX or XXXX ( formerly XXXX ). 

I have attached a screenshot of their portal which was taken on XXXX XXXX. showing no statements are available. Despite this - the company has continued to post finance and late fees, which is illegal. The only information I've received from the company is " they've forwarded it to the right department '' and as of today there are still no statements available and fees are still showing on the account. 

The reason I want to see the statements in detail is because their online portal shows I owe a balance but my bank is showing that the check to cover the previous month statement was cashed and there is no activity ( as we stopped using this card due to the numerous problems we've had ). So I have no idea if there is system is just broken, there is some charge they are claiming was made or if this is just outright fraud. 

Based on some quick research it seems a lot of people have had a similar issue with this bank ( especially those of us coming from the XXXX XXXX XXXX XXXX ). So I am sure there are many others who are being taken advantage of.
Consumer complaint received 2024-05-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2022-11-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Account sold or transferred to another company
Company: Bread Financial Holdings, Inc. (MA)

My XXXX Member Rewards credit card account, which was previously being successfully managed by XXXX XXXX XXXX, was transferred/sold to Comenity Bank with an effective date in early XXXX. Despite the fact that it was specified that monthly statements prior to the transfer ( for consumers with paperless statements/billing ) would be available online now through Comenity ( see screenshot from approximately XXXX weeks ago ), the statements are not available. Comenity customer support representatives on the phone have been unhelpful, suggesting that I contact XXXX XXXX XXXX to get copies of my prior statements. XXXX XXXX XXXX stated that they transferred the account and that they no longer have the statements nor are they obligated to provide them to me. Comenity Customer Service then suggested submitting a form on their website, which initially seemed to have gone through, but I later received an email stating that there was a " technical glitch '' and the message/form was not delivered. I responded to that email on XX/XX/2022 and have heard nothing back. I have also mailed them a request for statements ( paper mail ) as instructed by their phone customer service agents and have not heard anything back. Now ( as of XX/XX/2022 ) I can not even log into their website, which gives the " technical glitch '' error again, and I just called their customer service XXXX number again only to be told that the system is down and they can not help me nor can they give me a date/time of expected recovery ( only told to try again tomorrow ). There are purchases I made using the original XXXX XXXX XXXX  XXXX XXXX ( prior to the transfer ) for which I am now eligible to be reimbursed by a third party, but I need to submit the statements and I can not access them. This is costing me approximately {$40000.00}.
Consumer complaint received 2022-12-01
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (TX)

I opened an account with Comenity Capital BankXXXX in XX/XX/2022 and then later set up my online account and enrolled in paperless statements on XX/XX/2022. To date I have yet to receive my statements via email like I requested, and they haven't posted my statements on my online account. Now I'm in the process of buying a home and have no access to my most recent statement. I called the company to get an online statement or resolve my account issue and their only solution was to mail a paper copy of my statement to the address on file. I feel as though I have a right to receive my statements the way I signed up to receive them, and am now in jeopardy of losing the home due to their delay in posting my statements to my account. I should also mention that the account has now been open since XX/XX/XXXX and has yet to report to my credit.
Consumer complaint received 2024-05-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Denial of Credit Approval I am writing to file a formal complaint regarding Trans Union 's failure to update my consumer report with accurate information and in a timely manner. As a direct result of their inaccurate reporting, I have been denied credit approval from XXXX XXXX XXXX XXXX, which has had a significant negative impact on my financial situation. 

Trans Union has repeatedly failed to update my consumer report with accurate information. This has led to an inaccurate portrayal of my creditworthiness, resulting in the denial of credit by XXXX XXXX XXXX XXXX. 

I have made multiple attempts to contact Trans Union and address this issue, but their response has been inadequate. They have not provided a satisfactory explanation for their failure to update my consumer report accurately and on time. Their negligence has not only caused frustration and stress but has also severely affected my ability to secure credit when needed. 

The denial of credit approval from XXXX XXXX XXXX XXXX has had a detrimental impact on my financial stability and future prospects. It has hindered my ability to fulfill essential financial needs such as obtaining a mortgage or securing a car loan, which are crucial for my personal and professional growth. 

I kindly request that the Consumer Financial Protection Bureau thoroughly investigate this matter and take appropriate actions against Trans Union for their failure to update my consumer report accurately and in a timely manner. I also urge you to address the harm caused by their inaccurate reporting, including the denial of credit from XXXX XXXX XXXX XXXX. 

I trust that the Consumer Financial Protection Bureau will take swift and decisive action to rectify this situation and ensure fair and accurate reporting practices by Trans Union. Your assistance in resolving this matter is greatly appreciated. 

Thank you for your attention to this matter, and I look forward to a favorable resolution.
Consumer complaint received 2022-11-08
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (MA)

I noticed when checking my credit report that a late payment was reported by Comenity to the credit bureaus. As explained over the phone, I believe that this was due to an issue with the paperless statements not being sent to me. As soon as I realized I had a balance on this card, I paid the balance in full. I've since set up autopay to pay the entire statement balance each month. 
I am under the impression that Comenity as a creditor must mail or deliver ( via email ) a periodic statement as required by XXXX for each billing cycle at the end of which my account has a debit or credit balance of more than {$1.00} or on which a finance charge has been imposed. 
As mentioned previously, I had not received a statement and had no way of knowing that a payment was due on this card. I believe that by me not receiving a statement, this prevented me from making a timely payment due on this account. 
I messaged Comenity attaching a copy of my email inbox containing all estatements sent to me for this account this year. As they could see, I did not receive any statements for this account prior to XXXX of this year. I am signed up for paperless billing and believe I should have been receiving these statements via email, as nothing was coming via postal mail either. I believe this was a technical issue or a glitch with Comenitys statement delivery and I should not be held responsible or penalized for their failure to issue me a statement as required due to technical issues.
Consumer complaint received 2024-06-06
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. (IL)

PLEASE BLOCKED AND REMOVED. 
I did not authorize the creation of these accounts and have suspicions regarding their legitimacy. I kindly ask that you conduct a thorough review and expeditiously remove them from my credit report.
Consumer complaint received 2024-05-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have mailed a dispute to the credit bureaus 45 days ago and have not received a response. Not a letter nor an email in regards to my dispute. I am a victim of identity theft. I have provided my FTC reports. According to FCRA, within 30 days after receiving my dispute the credit bureau is responsible to resolve the dispute. They are now in violation of the FCRA for not responding in a reasonable timeframe.
Consumer complaint received 2024-04-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (GA)

I recognize the importance of removing any inaccurate accounts from my credit report in accordance with FCRA 605B. Could you please review the documents? I've observed discrepancies in several listed accounts, which is troubling to me.
Consumer complaint received 2024-04-21
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 (OH)

On XX/XX/2024, I opened a Barclays Frontier Airlines XXXX XXXX with a promotional balance transfer offer of XXXX XXXX XXXX for 15 months, valid for the first 45 days after account opening. I submitted XXXX balance transfer requests on XX/XX/XXXX and XX/XX/XXXX, both within the XXXX period. However, Barclays canceled both transfer requests without providing a clear explanation. 
After spending over XXXX hours on the phone with Barclays customer support, I was assured that the balance transfer offer would reappear on my account once the pending and canceled transfers were removed. However, this did not occur, and the offer expired after 45 days from account opening. 

I contacted Barclays again on XX/XX/XXXX, eplaining the situation and requesting that they honor the original balance transfer offer. However, I received a generic response stating that no promotional balance transfer offer was available on my account, disregarding the fact that I had applied for and attempted to use the offer within the specified timeframe.
Consumer complaint received 2023-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NC)

I asked the original creditor for verification of debt showing proof of debt address and other information concerning this debt I have never been to this facility for treatment Ive gotten no information concerning this debt it is identity theft Section 604 15 U.S Code 1618B Section 605 A 15 U.S Code 1618 C-1 Section 605 B 15 U.S Code 1618 C-2 My privacy rights have been violated I do not own this debt nor did I agree to the illegal solicitation of my personal information
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 604a section 2. It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan for any given purpose.
Consumer complaint received 2024-03-30
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: FIRST PORTFOLIO SERVICING INC (NC)

I have credit card with total visa I've had this account 4years an 10 months. I have had a excellent payment from day one XX/XX/2024 I had a XXXX XXXX was in hospital 2 weeks an out of work two months. For the first time ever I was one month late a XXXX XXXX payment I did not receive any notice of any kind from total visa they reported to all 3 credit serous. My score went from XXXX to XXXX in a matter of a few minutes I contacted total explained I just had a medical issue I've never been late not one time an it was XXXX XXXX  for one month would you please give me good will this will never happen again I paid the one payment I was late on an the next month to the representing I talked to I could barely understand XXXX lied an said there was nothing they could do put me on hold come back I said by law I'm trying to ask you for help first your the company that reported this late payment. He then said total visa did not report this to the credit serous an they could not help. This is the first time I've been late it was only one month I paid it befor I ask for help until this I had excellent payment history I'm self employed. This not only destroyed my life my credit all so my business of 37 years over XXXX. XXXX dollar payment I could not help this medical emergency it seems the American public does not have any rites any more I try my best to do the rite thing in every situation I'm XXXX XXXX XXXX an now won't be able to support my self I loose my home an ever thing I've worked for all my life because some XXXX XXXX  can't understand what I'm saying an does not know credit laws
Consumer complaint received 2024-04-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (NC)

On XX/XX/2024 I deposited my work check for {$380.00} through mobile deposit via Wells Fargo banking app. This is normal for me, as it's a work check I do it every week. 
On XX/XX/2024 my check was deposited a second time at a " XXXX XXXXXXXX XXXX '' located up north, in the New Jersey area* ( the specifics were discussed with the branch manager, but not included in my claim ). Well Fargo as a result withdrew {$380.00} from my account, leaving me at roughly- {$300.00} around the time of XX/XX/XXXX. 
I filed XXXX claims, not on purpose but because Wells Fargo customer support was completely unable to help in any regard and seemed genuinely confused at my problem. As a result ; most of my effort to fix this issue was with the Branch Manager of XXXX Wells Fargo XXXX XXXX, who while helpful in identifying the problem, did nothing in regards of actually trying to help me as an individual. An escalation was filed, but was never given a response. I was given no advice on this matter, I was not adviced to file any paperwork to Wells Fargo, report identity theft to the police, or generally any option besides deal with it. 
My employers vouched for me as well as tried to get the issue resolved, as I had to work all week XXXX XXXX We were simply told the issue was out of wells Fargos hands. I've never cashed a check, or even made a mobile deposit outside of NC, XXXX in the entire time of having an account with Wells Fargo, of which I had for awhile no issue. I couldn't of even been where the check was cashed, halfway across the country. 
This has caused extreme problems for me as an American who lives paycheck to paycheck under XXXX $ a week. As a result of this, I was unable to pay my bills, had to go without food, faced XXXX, and much more. It's only thanks to my community that I'm even able to make this report, which is nesscessary because despite all the hardship I've faced Wells Fargo now wishes to collect the " debt '' I owe them.
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: EQUIFAX, INC. (AR)

Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.
Consumer complaint received 2024-05-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-04-09
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/XXXX, I disputed a charge with Capitol OneXXXX XXXX XXXX for a hotel reservation that was made on a suspicious hotel booking site called " algotels.com '' [ merchant ]. I informed Capitol OneXXXX XXXX XXXX about my concerns about this website and requested for them to stop the charge as I attempted to call the vendor directly but was unable on my own. Capitol OneXXXX XXXX XXXX initially credited me the amount, but then charged me again as they claimed they received communication from the merchant they proof was provided that I booked the hotel reservation via their website. Since then I have been in contact with the merchant via email ( see attached ) that acknowledged my request for a refund, but they would not give it to me because I had to wait 90 days. I'm not sure why I have to wait 90 days and spoke to Capitol OneXXXX XXXX XXXX again on or about XX/XX/XXXX. I was informed on XX/XX/XXXX, that they have " closed '' their case and told me that I should get a refund. Since XX/XX/XXXX I have still not received a refund from the merchant and Capitol OneXXXX XXXX XXXX is refusing to assist me since I have again told them my difficulties in calling the merchant and accessing their website and my continued concerns that the merchant is a fraud. I received a letter from Capitol OneXXXX XXXX XXXX that I failed to submit any documentation, but I did on XX/XX/XXXX when I attempted to reopen this dispute. I received a notification that there is nothing they can do to assist with me in accessing my refund and they ignored my request to dispute the charge with this suspicious merchant known as algotels.com
Consumer complaint received 2024-05-05
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My complaint is regarding how transunion reports my full name. 
My first name spells XXXX. 
Last name spells XXXX. 
I respectfully request that transunion deletes everything else That does not spell my name correctly