davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-05
Product: Credit card or prepaid card — Store credit 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. (TN)

I originally filed case XXXX to which the company responded that I should reach out to them through their 'secure message center '. 

I have been contacting them for close to 30-days and the only response I get from them is that we're still looking into it. 

This is a credit card for which I am charged interest and fees. Their lack of urgency is further damaging my credit and my ability to repay this debt. 

I followed their instructions in response to the first complaint but I am not getting fair treatment. 

These are unfair and deceptive practices. I need to resolve the balance on my account and I have been trying to do so for some time and I'm met with automated responses instead of opportunities to move forward.
Consumer complaint received 2020-01-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Advanced Collection Bureau, Inc. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEAPRTMENT ADVANCED COLLECTION Reported : XXXX XXXX, XXXX + {$360.00} Needs Attention ADVANCED COLLECTION Reported : XXXX XXXX, XXXX + {$410.00} Needs Attention ADVANCED COLLECTION Reported : XXXX XXXX, XXXX + {$1300.00} Needs Attention Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious ADVANCED COLLECTION Reported : XXXX XXXX, XXXX + {$360.00} Needs Attention ADVANCED COLLECTION Reported : XXXX XXXX, XXXX + {$410.00} Needs Attention ADVANCED COLLECTION Reported : XXXX XXXX, XXXX + {$1300.00} Needs Attention I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2024-01-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MORGAN STANLEY & CO. LLC (MN)

On XX/XX/2024 I deposited a US Treasury check for {$16000.00} into my E*Trade ( Morgan Stanley ) Max-Rate checking account during normal business hours. The bank states that for US Treasury check deposits, {$5500.00} will be available on the 1st business day after the day of deposit. The remainder will be available on the 4th business day after the day of deposit. However, only {$220.00} was made available and I was informed that I would not have access to the remaining funds until XX/XX/2024. 
This is a bait and switch as I wouldnt have deposited the money into this account had I known the bank would arbitrarily change their hold times.
Consumer complaint received 2024-04-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: SOFI TECHNOLOGIES, INC. (MA)

On XXXX XXXX I filed a dispute for some charges on my account I didn't make. I went and checked on it XX/XX/year> only to see my account was locked. I called my bank for them to tell me my account is being closed for violation of agreement but no other info. I have money in my account and need access to it asap to pay bill but was told it could be up to 30 days before I get it. That's too long to have to wait for my money. My bank is SOFI Bank
Consumer complaint received 2020-01-05
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. (FL)

you say that your company has reinvestigated these accounts and verified them as being accurate but it is obvious that you have verified nothing. All you have done is parroted information given to you by other sources and shifted the burden back to me to prove that the reported items on the accounts listed below are not valid which is clearly in violation of 1681 ( a ) ( 4 ).
Consumer complaint received 2020-01-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEAPRTMENT PORTFOLIO RECOVERY A Reported : XXXX XXXX, XXXX {$680.00} Needs Attention Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious PORTFOLIO RECOVERY A Reported : XXXX XXXX, XXXX {$680.00} Needs Attention I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2023-06-29
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. (NJ)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCOUNT Name : XXXX CARD XXXX, XXXX CARD XXXX, and XXXX CARD XXXX. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2022-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2020-08-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITY NATIONAL BANK (PA)

A negative balance of {$76.00} on my City National Bank credit card was sent to me by check in XX/XX/XXXX. I never received the check. I requested a new check in early XXXX and also did not receive a check. I called and emailed again in late XX/XX/XXXX and still did not receive a check for the {$76.00} that City National Bank owes me.
Consumer complaint received 2020-06-08
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. (NY)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2020-01-05
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. (FL)

you say that your company has reinvestigated these accounts and verified them as being accurate but it is obvious that you have verified nothing. All you have done is parroted information given to you by other sources and shifted the burden back to me to prove that the reported items on the accounts listed below are not valid which is clearly in violation of 1681 ( a ) ( 4 ).
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: National Credit Adjusters, LLC (CA)

pursuant to 18 usc 8 i owe no debt, this company is violating my consumer right to privacy pursuant to 15 usc 1681 b 2 company has no permission to report anything using my info pursuant to 15 usc 1681 4
Consumer complaint received 2024-04-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc. (FL)

NCB Management Services has harassed me via phone calls and emails since late XXXX about a debt of over XXXX XXXX that is NOT mine. I was a victim of identity theft in the year of XXXX. Theyre saying that some kind of loan was taken out in my name, I have tried disputing it. They refuse to work with me. They have reported this on my credit. I have my lawyer now involved. The couple of different agents at NCB that I have spoken to are not friendly nor helpful at all nor do they have any care that I was a victim of fraud.
Consumer complaint received 2020-06-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc. (TX)

I have mailed and sent Experian copies of the court dismissal paperwork of the debt I supposedly owed to XXXX XXXX. The paperwork clearly states the companies name, XXXX XXXX and the words dismissed without prejudice to ( Me ) XXXX XXXX.
Consumer complaint received 2020-01-05
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. (MS)

Its on my experience report from XXXX XXXX XXXX. Ive tried to dispute but the dispute was denied. Ive never used the company nor have I ever heard of them. I tried calling them and theyre for a power company for an address that Ive never lived at.
Consumer complaint received 2020-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I wanted a credit report from transunion at no point during my sign up was I told I was going to be charged {$26.00} or signed up for a monthly credit monitoring service. But I was
Consumer complaint received 2020-01-05
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: HUNTINGTON NATIONAL BANK, THE (MI)

Huntington Bank understated the amount that would be credited to my account as a finance charge during the closing process. I was required to pay {$470.00} more than was agreed upon. They have refused to treat this as an overpayment, applying it to the principal at the time of payment, but instead have sent a check with a small amount of interest for the error on their part. 

I contacted them to correct this error, they refused to fix it. 
I asked for mediation, they refused this. 
I tried to mediate the issue through the XXXX XXXX XXXX, they refused. 
I tried to file in small claims court over the amount and they have now removed the case to general civil court.
Consumer complaint received 2020-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: GOLDMAN SACHS BANK USA (NJ)

Hi my name is XXXX XXXX and I want to make a dispute about my credit score. In the past few years I was applying for a lot of banks and credit unions because I have no god experience with everything that Involves with credit back then now I have know about credit. So I writing this to help me fixed my credit score back to normal and have good advice to keep a good credit score.
Consumer complaint received 2020-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: JPMORGAN CHASE & CO. (NJ)

Hi my name is XXXX XXXX and I want to make a dispute about my credit score. In the past few years I was applying for a lot of banks and credit unions because I have no god experience with everything that Involves with credit back then now I have know about credit. So I writing this to help me fixed my credit score back to normal and have good advice to keep a good credit score.
Consumer complaint received 2022-06-04
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. (SC)

I am a victim of identity theft and I write to dispute certain inquiries in my file resulting from the crime. The inquiries that I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. 

Please remove the reporting of any information in my credit file that resulted from an alleged identity theft. 

TRANSUNION 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 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 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 2020-01-05
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (IL)

In XXXX of 2019 Citibank offered to open a new checking account, which allowed to earn XXXX XXXX XXXX XXXX bonus miles after meeting certain conditions, specifically by depositing {$15000.00} and keeping them for at least 60 days ( see the attached ). As I found out later the Citi program internal code was XXXX. 
I stopped by two different local branches, but nobody had any idea about this program and offer, and refused to open an account. After multiple attempts and calls to Citi, I finally opened online an account on XX/XX/2019 and deposited {$15000.00}. Per Citis request I also submitted a Form W-9. My full {$15000.00} deposit is still with Citi. 
After 60 days of my account opening, I started calling to your customer services department ( I have a record of all my calls and hopefully you too ) in order to find out when the promised miles would be posted on my XXXX XXXX account. Unfortunately, every time I had to explain to a representative the program that nobody was familiar with, but the response has been the same : I am eligible for the bonus miles, and should receive them soon, but it could take up to 90 days after initial 60 days. 
Finally, this due date had passed, but the miles have not been posted. On XX/XX/ 2019 I called again and talked with a customer support supervisor. He told me that he could not figure out what the situation with the bonus miles was and opened an internal inquiry # XXXX. He also stated that the investigation would take another 5-7 business days. 
Yesterday I talked with another supervisor. She told me that she could not find the initial trouble-ticket and opened a new one XXXX. However, she told me that it would take another 20 business days to investigate. 
Such situation is extremely frustrating to me, and I perceive it is a deceiving practice if not to say a fraud. I have spent many hours on fruitless discussions with clueless Citi representatives without any result. Meantime, Citi is using my money basically for free without any interest. 
Based on the above I am demanding : 1. Immediately post XXXX bonus miles on my XXXX account ; 2.  Get an explanation how the financial institution as Citibank could treat such terribly its customers, and what will be done to fix this problem. 
I believe I am not the only customer of Citibank who deal with this problem. Therefore, I hope that the Customer Financial Protection Bureau will look at this situation in order to avoid it in the future and protect many of us. 
Thanks,
Consumer complaint received 2020-01-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Forest Recovery Services LLC (IL)

I received a letter dated XX/XX/XXXX from Forest Recovery Services, LLC, that I owed {$20000.00} to XXXX XXXX XXXX and that I had 30 days to dispute the validity of the debt before the debt was assumed " valid ''. I immediately asked for validation ( sent certified mail ) and on that same exact day XX/XX/XXXX, I was notified by XXXX that the negative data had been entered onto my credit file. I then disputed the account with XXXX asking them for validation and they quickly validated the account. On XX/XX/XXXX I received a questionable " Account Transaction History '' printout, a lease and a " Move Out Calculation '' report. This was not substantial evidence proving that I made such debt. I then sent a certified letter to Forest Recovery Services, LLC, requesting further investigation. I also sent a certified letter to XXXX making them aware and they continue to report the debt, without proper validation. What proof was submitted, because the proof I received does not conclude I made those charges. If you take a look at their evidence, it is inconclusive. Yes, that is my name and yes I did once reside at that said address but nothing was submitted proving the charges were made by me. No receipt nor invoice, a certified letter or email to me nor checklist provided. Taking a look at the " Move out Calculations " printout, it states that I " vacated '' this unit on XX/XX/XXXX but if you look at the lease, written note states " XX/XX/XXXX Keys on counter. '' If XX/XX/XXXX is when they assessed the charges, other tenants or vandalism could have occurred to cause such charges as XX/XX/XXXX is 5 months after XX/XX/XXXX. 

Forest Recovery could not provide any substantial information suggesting this debt of over {$20000.00} is mine therefore this account should not be reporting on my credit file.