davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-26
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (IL)

This is in regards to my Comenity credit card for Victoria 's Secret. My payment due date is the XXXX of every month. On XX/XX/XXXX, XXXX I paid the balance of my victoria 's secret credit card off {$170.00}. This reflected a {$0.00} balance. I had no intention of using this card for at least another 4-6 months. Apparently they started charging me finance fees & late fees for not paying the finance fees on the card that had a {$0.00} balance. I called customer service and she explained it was " residual finance charges '' on the {$170.00}. She would be willing to wave one of the late fees as a one time courtesy. ( {$7.00} ), and then conveniently the call was disconnected. This is completely fraudulent and misleading. I paid the full amount of XXXX 3 days prior to it being due. I should not have to check monthly if they want to charge me finance charges after the full amount was paid.
Consumer complaint received 2021-09-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I filled a compliant with you in regards to my investigation that was performed with the credit bureaus and your response was that " the company responded that I was not an authorized representative ''. I have no idea how that would be so!!! Please re investigate. The old complaint # was XXXX.
Consumer complaint received 2021-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (NC)

SYNC/SYNCB Ran a credit report without my permission, nor without me even reaching out to them in the first place. They purchased my information then ran my credit in order to advertise to me. I don't need a loan in the first place, so I never even clicked on their site. Even if I did click on their site they hacked me to get my info. This is wrong..
Consumer complaint received 2021-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CA)

My XXXX XXXX  account stopped updating with my equifax credit score on XXXX XXXX. I reached out to XXXX XXXX on XX/XX/2021, & was told by a representative Equifax was not transmitting the data to XXXX XXXX and this was an issue on Equifaxs side so i needed to contact them. I tried contacting equifax but was unable to get through to a live representative due to their ridiculous automated system so I decided to leave it alone, figured it wasnt causing that big of problem since i Could still view my score on Equifax website. However it is now the end of XX/XX/2021 and i tried to request a credit limit increase on my XXXX  XXXX card which was supposed to have automatic increase but wasn't for some reason and its was declined stating credit bureau information is missing or unavailable. I spoke to XXXX XXXX representative on XXXX XXXX who informed me the problem was on Equifax side and thats who I needed to contact. I contacted Equifax the same day and after multiple attempts I finally got through to a representative. The rep informed me there was no freeze or lock on my account which i already knew because i never placed one. He then said there did seem to be a fraud alert and he would transfer me to another department to have it removed. The next rep said the fraud alert would not prevent any creditor from pulling my credit report but he had removed the alert. I told him if that was not the issue then i needed the root cause to be found because i need my bank to be able to pull my credit report and this issue was affecting my credit limits and in turn going to affect my credit score. He verified my personal information was correct and stated there was nothing else he could do all I could do was wait. I requested to speak to someone in the IT department hoping they would be able to find some type of issue and solve it and he refused to let me speak to them stating they dont take incoming calls. I then requested for him to escalate my account to the IT department then and let them know what was going on so the issue could be fixed and he refused stating Equifax could do nothing else. I asked to speak to a supervisor and after him also refusing to help me any further i asked for his employee ID information to submit a complaint and he hung up in my face. Being that 2 different credit companies are tell me that they are unable to retrieve my Equifax data then there must be a problem on Equifax side that they are refusing to look into or solve. I can not raise my credit score without creditors being able to access my credit report and need this resolved asap. After a quick XXXX search i found multiple articles of people with the same problem with Equifax so I dont know why Equifax is acting like it is unheard of. It is currently XX/XX/XXXX, and i am still having the same issues with XXXX  XXXX  and XXXX  XXXX  being able to access my information.
Consumer complaint received 2021-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: REGIONS FINANCIAL CORPORATION (NC)

This company ran a credit check with out my permission. I have never applied for credit from this company, nor have I applied for credit from any company since XXXX. I am very upset. It is wrong to illegally obtain personal information to run a credit check just to advertise to them. The credit check was ran on XX/XX/XXXX
Consumer complaint received 2021-09-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Winklevoss Exchange LLC (NV)

applied for an account as their ads state can start trading in 20 mins, applied on XX/XX/XXXXit is now XX/XX/XXXX emailed them twice to ask why it is taking so long, have yet to receive a response other than the automated generic email response that we got your request for support. horrible customer service and false advertising for the ads they are using to promote their business.
Consumer complaint received 2021-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (NV)

On XXXX XX/XX/XXXX, I went into active duty-XXXX  status. According to the SCRA regulations, I attempted to submit my orders to the company and get my balance lowered and apr adjusted. I received notification via email from the company that my documents were collected. After some time, no adjustments were made and my expected payments were still high. I was struggling to get relief and seek out these adjustments. I attempted to call Ally Financial and they said they were working on it and that no action was needed on my part, however, I did state that I was in financial hardship and would like to get assistance. It took almost 10 months after the initial loan and car purchase ( XX/XX/XXXX ) before I was granted this account adjustment. However, too late before Ally reported on going payments as late and marked me in a delinquent status ( reported twice : XX/XX/XXXX and XX/XX/XXXX ). Furthermore, I did not receive notification on reimbursement of overpayment on this loan from the months prior given he applied rate adjustment according to SCRA regulations.
Consumer complaint received 2021-09-26
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: BARCLAYS BANK DELAWARE (MA)

On XX/XX/XXXX I bought what I thought was a real XXXX XXXX phone case. Its fake I found out and its never been delivered so I want a credit but Barclays cs wont when I dont have the item and the item to be delivered is fraudulent and fake anyway
Consumer complaint received 2021-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

On XXXX XX/XX/XXXX, I went into active duty-army status. According to the SCRA regulations, I attempted to submit my orders to the company and get my balance lowered and apr adjusted. I received notification via USPS mail that my documents were collected. After some time, no adjustments were made and my expected payments were still high. I was struggling to get relief and seek out these adjustments. I attempted to call Capital One 's military service department and they said they were working on it and that no action was needed on my part, however, I did state that I was in financial hardship and would like to get assistance. It took almost 3 years to the date I filled my original petition before I received approval ( on or about XX/XX/XXXX ) and because my account by that time, was paid and closed, received a reimbursement check of roughly {$1800.00} for the paid overage. Although this was an importantly rectified piece of the problem, it did not help with my credit reporting and attempt at hardship assistance.
Consumer complaint received 2023-11-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I recently reviewed my credit report and found unauthorized inquiries. 

I have already contacted the creditors below and they have not provided me with any proof that I initiated such inquiries, nor provided me with written authorization or any permissible purpose. Since they do not have my authorization, written nor verbal, I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.

As you know, according to Section 604 of the Fair Credit Reporting Act, Permissible Purposes of Consumer Reports 15 U.S. Code 1681b, Subsection ( a ), the below creditors have not demonstrated any allowable permissible purpose - and any consumer reporting agency may furnish a consumer report under those circumstances and no other.

As such, under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general : If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

The following inquiries are unauthorized, and I ask that you DELETE them : XXXX  XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : 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 2021-09-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (IL)

It's the Nordstrom Retail Credit Card. However, I've learned that Nordstrom credit cards are issued by TD Bank USA, N.A. Nordstrom is TD Bank USA, N.A.s service provider for the Nordstrom Credit Card program. 

I submitted returns in XXXX. It's XX/XX/XXXX, and they still haven't credited the returns to the account. They show on the XXXX and XXXX statements, but when I called, I was told they weren't officially processed. 

In my XXXX billing, I hadn't paid the full balance, because I knew I didn't actually " owe '' any additional funds. I had made other payments, but I knew that I had an additional {$200.00} coming. 

What really bothers me, is that Nordstrom gets to decide when to process those returns. In the meantime, they've charged me both interest and a late fee for not paying the final amount ( that I would ultimately get credited back ). 

It's also not like the returns were sent back a week ago, they were returned in XXXX XXXX. It's late XXXX. Incredibly deceptive and abusive.
Consumer complaint received 2021-09-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A. (GA)

on the date of XXXX XXXX .PNC BANK provide a cashier check in the amount of / {$10000.00}, without my written permission for an alledged debt. this caused me damage/ during the pandemic.
Consumer complaint received 2021-09-26
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (GA)

I have been charged {$120.00} in late fees year to date. I am requesting to have all of the late fees refunded to my account. Most of the time, I've been paying on this account. XXXX XXXX failed to deliver the furniture to my home. It wasn't until XX/XX/2021 that XXXX XXXX delivered the right furniture to my house. This ordeal caused unnecessary fees because I was paying for an item I did not have. However, Synchrony Bank was adamant that I continue to pay despite being documented that American SIgnature failed to deliver the article because it was on backorder. Then once delivered, it was the wrong color.
Consumer complaint received 2024-04-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (FL)

Online scam via XXXX. Transferred {$2000.00} from my Wells Fargo checking into XXXX XXXX to fund a XXXX XXXX. XX/XX/24 transferred the money. 
Straight after that I relised it was scam so called Wells Fargo to close account.. 
They said funds shouldnt come out but 3 days later they did even after account number change. 
I have tried multiple times to contact XXXX but they dont respond. 
Wells Fargo say they can not refund money as I authorised the payment despite trying to report scam and stop the payment.
Consumer complaint received 2024-04-05
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Credit Corp Solutions Inc. (PA)

I have had it with credit corps solutions, yesterday from XXXX to XXXX they called me. All day. My phone nearly died while i was at work all evening due to how frequently they were calling. All varying versions of the same number. I can't do it anymore this company is so beyond disrespectful.
Consumer complaint received 2021-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

On XX/XX/XXXX i sent a hippa letter to XXXX credit Bureau on XX/XX/XXXX they sent me an notification on XXXX stating that they have updated the app but nothing was changed.. After that i followed up with another dispute that was sent out on XX/XX/XXXX stating that XXXX  was reporting a Date of last activity as XX/XX/XXXX with a account status showing as closed and transunion was reporting a date of last activity as XX/XX/XXXX with a account status as open. And if all this information suppose to be coming from the same creditor how is the information thats being reported are all different. I received an email on XX/XX/XXXX stating that the information was updated but nothing was changed..On XX/XX/XXXX i Sent a dispute stating that the account was closed and put into collections on XX/XX/XXXX but the status of the collection has been reporting collection every month and according to the FCRA thats illegal and it alters the dola date
Consumer complaint received 2021-09-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO. (PA)

Between 2 - 3 months ago, I applied for a 2nd JPMorgan Chase credit card ( possibly XXXX XXXX ) online, and received message that the company would get back to me. After about 3 weeks, I opened a checking account with JPMorgan Chase, and the branch Banker called the Credit Center to inquire on status of application, but could only confirm the application was received. 

It is now about 3 months, and still no disposition on the application. At time of application, I had less than $ 1k aggregate debt on credit bureaus, over $ 100k income, and FICO scores in the 700 's with all three credit bureaus ( e.g. approx. 740 with XXXX ). 

I believe JPMorgan Chase has violated Section 1002.9-Notification of Regulation B by failing to provide its disposition of a " completed application '' within 30 days. Request your intervention into the matter.
Consumer complaint received 2021-09-26
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: 2288984 Ontario Inc. (WI)

Hi XXXX, We would like to speak with you so that we can finish processing your request for a new Installment Loan through MoneyKey for up to {$5500.00}. If approved, any requested funds may be deposited into your bank account the same business day2.
Consumer complaint received 2021-09-26
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I was scammed by a merchant named XXXX and I have reached out to the merchant several times to resolve the issue directly but they have ignored all my inquiries. I called them multiple times and the operator said they'd get back to me within 24 hours but they never fulfilled the promise. The merchant is conducting the business in a deceptive way so I decided to file a dispute. However, Capital One is not helping me at all in this case. They instead took back my credit and sided with a scammer. I am very disappointed by Capital One 's action in this case.
Consumer complaint received 2021-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX ( XXXX XXXX ) XXXX I applied for this card Not sure of date After having the card awhile I was " Offered '' to receive a Flower print card.. I filled out the form and a new card... NOT another card a new card came in mail. Balance was same. Because to start a New card You had to pay up front {$89.00}. the website is XXXX which You can see what is offered. The card has no amenities, ,NO chip, can only pay one way cant rent!! minimum {$300.00} and they charge {$8.00} plus interest every month. with a balance or not forever!!! As my credit got better Offers came in and I wanted to close the card eventually. 
What they did issued the new card and did not close the other.. as I paid the bill, I was informed after 60 days.. I was late!! I did not pay my other card. After them acknowledging the ERROR.. the information returned on my report and Ive Disputed it several times. I am holding these people accountable to this. I will go further with the complaint.
Consumer complaint received 2021-09-26
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CURO Intermediate Holdings (CA)

I honestly dont remember the debt. I went ahead and told them that but also took responsibility to clear my name. I ended making a one full payment for the collection and they assured me they were gon na remove the collection from my report. It has been its been 45 days since they day I paid it off and it still shows on my XXXX report. I never received a payment confirmation letter or anything other than a confirmation payment. That was told to me over the phone they said I was going to get a letter and they were going to take that out of my credit. I called them again and they told me now that they dont remove collections that is going to show as paid collection, when I was told otherwise to convince me to pay it off. I dont even have my full account number. I just know the original creditor is SPEEDY CASH and the collection was paid to XXXX XXXX XXXX. My name is XXXX XXXX  XXXX XXXX and my social security is XXXX.
Consumer complaint received 2021-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX ( XXXX XXXX ) XXXX I applied for this card Not sure of date After having the card awhile I was " Offered '' to receive a Flower print card.. I filled out the form and a new card... NOT another card a new card came in mail. Balance was same. Because to start a New card You had to pay up front {$89.00}. the website is XXXX which You can see what is offered. The card has no amenities, ,NO chip, can only pay one way cant rent!! minimum {$300.00} and they charge {$8.00} plus interest every month. with a balance or not forever!!! As my credit got better Offers came in and I wanted to close the card eventually. 
What they did issued the new card and did not close the other.. as I paid the bill, I was informed after 60 days.. I was late!! I did not pay my other card. After them acknowledging the ERROR.. the information returned on my report and Ive Disputed it several times. I am holding these people accountable to this. I will go further with the complaint.
Consumer complaint received 2019-11-26
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: BMW Financial Services NA, LLC (TX)

Purchased a XXXX XXXX through BMW Finance and they're reporting duplicate/negative information still since of which the loan has been paid off XXXX XXXX. Also to which previously was not negative since XXXX. Bc of refi, the loan shouldn't have reported negative. We are now 4 years and the refi loan was paid and original was supposed to have dropped off and was told they weren't supposed to report. They both were taken off XXXX and XXXX, but was still on XXXX. Now showing they're back on. So wrong and under FCRA they should be completely removed.