davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (KY)

In XXXX of XXXX I signed up with XXXX XXXX XXXX to clean up all of my credit card debt. XXXX 's was one of the cards that agreed to comply with them in XXXX of XXXX. On XX/XX/XXXX I received a letter from XXXX XXXX XXXX that the account had been paid in full. I received a statement from XXXX 's in XXXX of XXXX saying that I owed {$10.00}. I contacted them XX/XX/XXXX and XX/XX/XXXX and was told by a supervisor there was a balance of {$6.00}. I explained everything and she found here it had been received from XXXX XXXX XXXX . M
y credit report STILL shows that I have a {$9.00} balance from XXXX XXXX and it has been paid in full for over a year and the card has been closed for almost 4 years.

There are very confusing and evasive to talk to even about your own account.
Consumer complaint received 2024-05-27
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc. (NY)

I got a mailer around XXXX exactly with the offer of {$200.00} with {$1000.00} in spend within 90 days of account approval and the offer code. The expiration of the offer was at the end of XXXX. Maybe XXXXXXXX XXXX XXXX. I applied around XXXX and entered the offer code into the offer code field. I applied with the URL provided in the mailer. My personal information was pre-populated in most of the fields after I entered the code. I screenshot every stage of the application process. I responded to a " pre-approved '' targeted offer in the mail with a {$200.00} sign-up bonus for {$1000.00} of spending the first 90 days of Bread Cashback XXXX XXXX I'm aware Comenity has XXXX horrific customer experience reputation, but I was willing to chance it. I spent {$1000.00} first months and about {$1500.00} total in 3 months. After 90 days I inquired and they said have to wait about sixty days so I did after that called their department and the lady confirmed I was eligible and said it should take a couple of weeks. After that, I received a letter from them saying that no bonus is allowed.
Consumer complaint received 2023-11-02
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: Experian Information Solutions Inc. (LA)

Company : XXXX XXXX XXXX Amount : XXXX Opened : XX/XX/2023 Company is not a legitimate company. A previous dispute of the same amount was removed and deemed not legitimate. Information from the original company was sold to them. This account was also set up for a TX residence. I have proof of residence in LA. 

All of credit bureau reports have been frozen for over a year. There is no way a new account could have been opened.
Consumer complaint received 2019-12-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (NM)

In XXXX of XXXX, someone opened a Capital One credit card in my name with my information. 
I have disputed this debt twice successfully, and had it removed. 
Then XXXX XXXX XXXX bought the debt and when I disputed it for the 3rd time, they demanded I file another police report. 

I filed said police report, and just received a blatantly doctored credit card statement from them, which they are attempting to use as proof that the account was mine, and that the account was opened at a previous address at a much earlier date than the identity theft took place. XXXX XXXX XXXX state that someone opened the account in XXXX of XXXX, I confirmed with Capital One themselves, and Capital One states that the account was not opened until XXXX of XXXX. 

I am unable to open any credit cards as a result of this credit fraud, and now the debt collectors themselves are committing fraud in an attempt to collect a debt that was illegally opened with my information.
Consumer complaint received 2022-11-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (PA)

I have reached out to Chase bank in hopes to have the bank look into a XXXX payment that was sent to a parking company that did not provide me the service we agreed on. The bank took no action and no investigation with the merchants bank and deemed that no refund would be returned. I urge the bank to investigate further and see all the complaints against the parking company. The {$130.00} XXXX that I transferred to the XXXX XXXX XXXX XXXX should be returned as they did not hold up their side of our agreement and refuse to communicate with me. I have filed reports against them through the XXXX XXXX XXXX  and through the parking association time and time again.
Consumer complaint received 2023-05-28
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: CLGF Holdco 1, LLC (PA)

In accordance with the Fair Credit Reporting Act, Genesis FS Card Service also known as Milestone 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 a account without my written instructions 15 U.S.C 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 2019-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TN)

In XXXX of this year, I notified EQUIFAX, through Supervisor XXXX XXXX that the EQUIFAX CREDIT REPORT I RECEIVED HAD TWO, YES, TWO SOCIAL SECURITY NUMBERS!!!!! NO ONE HAS 2 SS # s ... He NEVER CORRECTED BECAUSE XXXX XXXX XXXX INITIALLY D E N I E D ME CREDIT BC I HAD 2 SOCIAL SECURITY NUMBERS ... ALSO A FRAUDULENT ADDRESS HAS S T I L L NOT BEEN TAKEN OFF ... MY ADDRESS WAS NEVER XXXX STILL XXXX XXXX, EQUIFAX SUPERVISOR, NEVER CORRECTS, NEVER RETURNS MY CALLS.
Consumer complaint received 2022-04-22
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. (NM)

There are XXXX hard inquires on my credit report. However, I was incarcerated during these times so I did not apply for any type of credit. I asked to dispute then and was told to contact the ftc.gov website. There were XXXX collections for services received during my incarceration as well. All XXXX XXXX are to be covered by the state. These should not be on my credit either. They removed one for {$61.00} but not the other.
Consumer complaint received 2023-02-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

On XX/XX/23 I received a bill in the mail from Citizens World for an account that I never applied for. I called the number on the bill and was informed that an application was done online for the account on XX/XX/23. They of course closed the account for me on XX/XX/23. They asked if I was sent a credit card. I have not received one in the mail as of yet. They informed me that all my personal information was used for the application. As of now blocks have been added to the credit reporting agencies and was also asked to proceed with this process as well.
Consumer complaint received 2022-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

XX/XX/XXXX I sent a complaint to XXXX, XXXX, Experian about fraudulent activity on my credit report and I was never notified about the investigation. 
XX/XX/2021 XXXX Inquiry XX/XX/2021 XXXX Inquiry XX/XX/2021 XXXX Inquiry XXXX XXXX XX/XX/2021 Inquiry XX/XX/2021 XXXX Inquiry XX/XX/2021 XXXX XXXX XXXX XXXX Inquiry XX/XX/2021 XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX  XXXX Inquiry XX/XX/XXXX XXXX XXXX Inquiry XXXX XXXX XXXX
Consumer complaint received 2019-12-10
Product: Credit card or prepaid 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 (UT)

Through XXXX XXXX, I received a request to join a secret shopping service by the name of XXXX XXXX. As I did research, I could see that this appeared to be a valid company. 
As I clicked on the link this appeared to be a legitimate business. 
I was recently laid off from my employer, and this seemed to be a way to earn some extra money. 
I completed the online request and was approved for the shopping position. 
AT NO TIME DID I PROVIDE MY AMEX account number for this. I was simply asked if I had an American Express account and I was notified of a {$2000.00} payment into my Amex account, and I was able to see to the funds go from pending to clear prior to making the purchases requested of me. I have no knowledge of how that payment was made or by whom. I assume that is where the fraud was initiated. 
The payment made to my account seemed legitimate and that is the reason that I moved forward with the shopping experience. 
I became suspicious when the item I was asked to mail XXXX   was not able to be delivered to the address that was provided. 
THAT IS WHEN I CALLED AMEX, and told them I was concerned that my card had been compromised. 
Most of the correspondence initially took place through email, and then moved on to text messaging, I have included ALL of this documentation as well as the police report. 

I realize there is not any type of recourse or chargeback to either the XXXX XXXX or the Mail Center. I want American Express to be fully aware that this entire transaction from the {$2000.00} payment to my account resulting in me purchasing an i-phone and mailing it XXXX to XXXX. Because this is fraud, for both American Express and me as the victim, I am asking that American Express not hold me liable for any this. 

I am and have been an excellent long time customer of Amex. I want this resolved immediately, it is causing me tremendous undue stress. 
This puts me in a situation of Financial Elder Abuse, I am an innocent victim who was taken advantage of. American Express should have called me about the $ XXXX clearly they could see it was not from my bank account. 

PLEASE HELP ME! Please see this from my side.
Consumer complaint received 2019-12-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NM)

In XXXX of XXXX, someone opened a XXXX XXXX credit card in my name with my information. 
I have disputed this debt twice successfully, and had it removed. 
Then Portfolio Recovery Associates bought the debt and when I disputed it for the 3rd time, they demanded I file another police report. 

I filed said police report, and just received a blatantly doctored credit card statement from them, which they are attempting to use as proof that the account was mine, and that the account was opened at a previous address at a much earlier date than the identity theft took place. Portfolio Recovery Associates state  that someone opened the account in XXXX of XXXX, I confirmed with XXXX XXXX themselves, and XXXX  XXXX states that the account was not opened until XXXX of XXXX. 

I am unable to open any credit cards as a result of this credit fraud, and now the debt collectors themselves are committing fraud in an attempt to collect a debt that was illegally opened with my information.
Consumer complaint received 2020-01-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (CA)

I, along with 3 other roommates rented a 4 bedroom apartment at XXXX XXXX XXXX XXXX, XXXX, Illinois XXXX from XXXX XXXX XXXX ( XXXX ) in year XXXX. I signed here as I am a XXXX  at the University XXXX XXXX, XXXX ( XXXX ). The four of  us signed a joint lease with a rent charge of $ XXXX/month each. The lease was from XX/XX/XXXX to XX/XX/XXXX. I also paid a security deposit of {$540.00}. The total security deposit paid for the entire apartment by all four of us was {$540.00} x 4 = {$2100.00}. 

In XX/XX/XXXX, I signed a lease with XXXX for another apartment in the same building for XXXX XXXX XX/XX/XXXX. The lease was a joint lease with 2 of 3 of my previous roommates. We signed to pay a rent of $ XXXX/month. XXXX asked us to pay the difference of our old rent ( {$540.00} ) and new rent ( {$650.00} ) as the security deposit. Thus, each one of us paid $ XXXX $ XXXX {$100.00} for the deposit, in addition to the {$540.00} they already had as a deposit. In total, I had paid {$650.00} for my security deposit with XXXX. 

In the middle of this XXXX XXXX-XXXX XXXX lease, the apartment complex was bought by a new property management company, XXXX XXXX. We were told that the signing of our next XXXX  XXXX-XXXX XXXX lease is still valid, as all previous leases would be transferred to XXXX XXXX. 

In XXXX of XXXX after move-out, I received a charge of {$670.00} from XXXX XXXX, citing cleaning charges, carpet replacement, and repainting. This charge was for the full apartment of 3 people, and yet I was the only one to receive it. The charge per person should have been $ XXXX/3 = {$220.00}. We returned the apartment in the same condition we received it. For using this apartment of 1 year, the charge of ~ {$670.00} seems excessive and unilateral. Additionally, I have photographic evidence of damaged carpet during move-in, which XXXX XXXX  is attempting to charge us for. 

I have yet to receive my security deposit of {$650.00} back. XXXX XXXX, as per the law, is supposed to send the deposit back within 15 days of move-out. However, it has been 5 months and still my deposit has yet not been returned. 

Instead, on XX/XX/XXXX, I received a letter from the National Credit Systems Collections Agency stating that I owed a debt of {$670.00} ( the full apartments cleaning charges ) to XXXX XXXX, which is factually incorrect. Instead of giving me my deposit back, I was charged the cleaning charges for the full apartment which is again incorrect. I sent the National Credit Systems a description of what had occurred to no response. I also tried to talk to various employees but left to only leave voicemails that were never returned. 

I tried to resolve this issue by speaking to the property manager of XXXX XXXX on XX/XX/XXXX. He assured me that he will get back to me by XX/XX/XXXX with resolution. However, as usual, XXXX XXXX property managers have failed to get back to me in a timely manner and resolve the issue.
Consumer complaint received 2020-01-15
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ProCollect, Inc. (TX)

I have repeatedly been harrassed by ProCollect in XXXX, Texas for an amount that they say I owe for an apartment. I have been sent to collections for an amount due for XX/XX/XXXX. I have not lived there since XXXX and have tried contacting them in XX/XX/XXXX to fix this issue but the agent refused to communicate with me and answer my questions. I believe they are using false information against me.This collections account is seriously affecting my credit and they are being negligible in the way they are handling it by not providing me with a notice or settlement option.
Consumer complaint received 2020-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have been disputing a XXXX account on my credit report consistently for almost six months now and I haven't received any results or response from XXXX  or Transunion throughout this process. I'm really trying to progress forward in my life and there are items on my report that hinder this. I haven't received any response for them and it's frustrating because I can't get a home or even get jobs because of some of these accounts. Something needs to be done.
Consumer complaint received 2019-07-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NY)

For the past 3 years I have been under an Income Sensitive Repayment plan, which must be renewed each year with an application and letter verifying employment ( VOE ). Every year it is the same. Navient misreads my VOE and falsely inflates my income. I am a XXXX and am paid on a 10-month salary. Navient does not understand what 10-month salary means. So it gets explained over and over each year, it takes about 5 phone calls, and then by the time they " figure out '' it is the same as the previous years, my term has ended and they say they " must cancel '' my reduced payment plan. This means it takes a month or two at a much higher payment rate to be resolved, right at the time ( summer months ) that as a XXXX I am not being paid. Navient knows this and does the same thing each year. This is a way to gouge a little more cash from their helpless customers. 

Each time I keep a paper trail. Their customer service people openly lie and say " oh it is fixed, we promise '' but then it does not get fixed. This year again I have the paper trail to prove the following : This year I have the online chat record to prove that back in XXXX Navient approved my application, accepted the VOE, and agreed to the usual reduced payment plan. But once again they cancelled my plan, and claim to have " lost '' my forms. This happens every year! Like the last few years, they also always refuse to send the final confirmation until the end of the previous cycle. That makes it impossible to fix any problems because it is too late. This year it happened again and they are refusing to correct their error ... asking me to go into forbearance ( which just makes them more money ). This is unethical business and they have me in a bind, threatening to ruin my credit. Please help! 

If you read the attached copies of my correspondence with Navient, they said back in XXXX that all was A O.K. and I need do nothing else. But this week they posted a note to me saying my repayment plan was cancelled, they did not get any forms ( a lie ), and the my payment will now be doubled as of immediately. They pull this stunt every year!
Consumer complaint received 2024-06-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (CA)

In XX/XX/year> I was applying for apartments while I was in the hospital due to an emergency move. I found a landlord that I thought was credible and sent them all of my personal information to apply for a property. I paid the landlord through XXXX for the deposit and sent them all of my personal records. They asked for my Cash App information, and I refused to provide it due to knowing that there is not much protection through cash app. 
The following week I discovered after leaving the hospital that there were XXXX or more fraudulent transactions totaling {$1600.00}. I also learned that the landlord that was posing as a legitimate property manager was an international scammer. I contacted XXXX and the immediately reversed the payments that were sent to the scammer because they could tell that it was a scam account. When I cash app the {$1600.00} in transactions, I advised I needed them to reverse it and investigate. I attempted to work with them directly through their customer chat and also escalated it to management, but every response that I received seemed like it was an AI response and didnt knowledge anything I was telling them. I offered to send all of the documentation that supports that this was fraud, and their management team kept insisting that there was nothing they could do to investigate and that they were not required to investigate. XXXX XXXX XXXX complaint was filed was filed after trying to work with Cash App directly for several weeks. Cash App refused to cooperate with XXXX XXXX XXXX suggestions to credit me and I received a notification from the XXXX XXXX XXXX  that I should seek legal action or file a further complaint to the Bureau to investigate as they can not force their hand even if they establish that they are wrong. I have tried working with Cash App since then, even after closing the XXXX XXXX XXXX  complaint. I have been attempting to see who overseas Cash App as it appears They are in hot water for failing to protect consumer information And for being part of international scam schemes. I discovered that the CFPB overseas them and I would like if you could step in and try to assist me and getting the funds back that were fraudulently taken from an international scam ring. All of my other banks that are involved in this that have been targeted due to the international fraud have credited me except for cash app. It has put my identity at risk and I am in the process of changing my socials due to all of my banking information being breached. I would really appreciate if somebody at the department could assist me as my husband is XXXX XXXX and is created a huge strain on our family During an difficult time of an emergency move.
Consumer complaint received 2022-12-20
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: Experian Information Solutions Inc. (CO)

I want to remove these inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-08
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: JPMORGAN CHASE & CO. (MD)

On XX/XX/year>, Chase and Southwest were offering a promotion where you spend $ XXXX in 3mo and you'd receive XXXX points and a Southwest XXXX XXXX. I signed paperwork for this promotion and applied/was approved on XX/XX/XXXX during the promotion window. I hit the required spend amount, but instead of giving me the XXXX + XXXX XXXX  promotion, they gave me XXXX points and no XXXX XXXX. After escalating this with Chase, their market research team came to the conclusion that I had received the correct offer of XXXX points and XXXX XXXX XXXX. They informed me that no further escalation could be made. 

This is my last resort, as Chase has gone back on our cardmember agreement and refuses to honor the promotion I signed up for. I have email receipts showing I signed up on XX/XX/XXXX, but they still insist I got a different promotion. They have cost me thousands of dollars in lost rewards.