davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-26
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (NC)

In XXXX of XXXX I enrolled with XXXX XXXX XXXX  to assist with my credit card payments. I thought this was going to be better than filing bankruptcy. In XXXX or XXXX of XXXX XXXX XXXX agreed to settle my account for XXXX. XXXX XXXX has been making monthly payments to XXXX  XXXX in my behalf since then. I checked my credit report XX/XX/XXXX, and found a company LVNV Funding was reporting me for collections in the amount of {$3000.00}. I called LVNV ( Resurgence Capital ) and they explained they purchased my credit card account from XXXX  XXXX and that I would need to start paying them because they were the account holder now. I explained to them I settled my account with XXXX XXXX and wanted this removed from my credit report. The agent told me they could not remove it because I now owe the balance of XXXX to LVNV, and its now in collections. I asked why would I pay 2 separate companies for one credit card, and told them I was not paying them anything, and I want it removed from credit report. The agent told me that she will send me some paperwork showing the balance I owe and my account information. I contacted XXXX XXXX and was told an agent was going to review and get back to me on Monday XX/XX/XXXX. I don't know who LVNV Funding is. I never had a credit card with them. I also don't know how, or why, I would owe them any money on a settled account. I also don't know where all of these so called charges are stemming from on a closed account. Please assist with letting me know what my options are. I am attaching screen prints of my settlement info with XXXX XXXX and my credit report.
Consumer complaint received 2019-11-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (TN)

Back in XXXX I had a bill turned over to Wakefield and Associates from XXXX XXXX ( XXXX XXXX  ) I had explained to Wakefield In XXXX when I realized it was on my credit report that I had put in an application for financial assistance and it needed to be removed from my credit report. Nothing was ever done about it. I then reported them to my credit reporting agency. When I called on Friday to pay some of my other bills they had sent this bill to their Attorney for suit. I told them this bill was to be put on hold until my application for financial support had been reviewed at XXXX XXXX and I had spoken to them and they were really far behind. That it wasnt my fault they were behind, the bill would be part of that application and I wasnt paying any of it until I saw what happened, I simply didnt have the money. I was told they didnt care if it was waiting for that or not after being on hold for so many months it would go to the attorneys office. I told the gentleman that was fine I would get an attorney and he sId that was fine we would just let it lie then. XXXX XXXX had told me when I spoke to them that nothing would happen with this bill until my financial aid application was completed. Wakefield took it upon themselves to send it to an attorney. It simply isnt their right to collect on a debt that has been put on hold by their creditor nor is it their right to put it on my credit report but they have. 
I had a nervous breakdown in XXXX and a much more serious one in XXXX due to my XXXX and our financial situation associated with it, these bills they currently have are part of that. I have been paying them what I can when I can. My family barely has food because I use this money to pay my debtors.
Consumer complaint received 2024-04-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (TX)

My Cash App was closed with without warning or an explanation. I tried to reopen the account and received a message that read " this happened because we found activity on your account that goes against our Terms of Service. '' I used the Cash App to transfer money between my mother and my daughter online and never any suspicious or illegal activity. Please tell me what I need to do to get this App back up and running. 

There was a statement on the internet ; " to reopen your closed Cash App account, you can contact their customer service at XXXX ( XXXX ) XXXX. A Cash App representative will provide information on why your account was closed and guide you on reopening it '' ; however, the telephone number is not a good number and the call continues to drop.
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 — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/21 my card was charged for $ XXXX XXXX  XXXX XXXX.CLAIM ID : XXXX. I submitted a dispute because the company over charged me by {$370.00}. Which I reported and stated no receipt was signed agreeing to that. 

Upon investigation, I was overcharged for a product by a deceptive company who falsified my signature and even though I told chase this happened they still sided with the company! Chase violated my cc rights by not letting me respond and state my case.
Consumer complaint received 2021-09-26
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: EQUIFAX, INC. (MS)

XXXX XXXX and XXXX Called the companies on my credit reports, all said the same thing no record of me and have no knowledge! Contacted XXXX and equivalence to no avail! Sent in paperwork that they are saying they never got! Sent XXXX the same paperwork and my inquiries are gone the ones that are not mine!
Consumer complaint received 2022-08-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credence Resource Management, LLC (MI)

I am writing you to dispute this charge. When we canceled XXXX  service it balance was XXXX. After our account was closed and all equipment was returned they stated we old {$180.00} because of and box we needed to get cable access up stairs. They stated because we got that box our contract was renewed for an additional 18 months and that we canceled service before the 18 month period ended. Thats ridiculous and they need to stop calling us. Period. This is my number, XXXX. They are calling my father in law who is XXXX and does not understand and can bearly hear what they are say. Please call me directly concerning this matter. Thank you.
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: HCFS Healthcare Financial Services of TeamHealth (CA)

XXXX wrongly reported me for two debt collection accounts ( both reporting in XX/XX/2021 ). This greatly impacted my credit score. I have called XXXX and tried to resolve the issue as soon as possible. But they insisted that the report is accurate and had me call the debt collection agencies with whom I did not have any association. The debt collection agencies ( ARS and XXXX ) did not have my information on their file. To date, the two debt collection accounts still exist on my credit report ( please find attached the images ).
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: Phoenix Financial Services LLC (CA)

XXXX wrongly reported me for two debt collection accounts ( both reporting in XX/XX/2021 ). This greatly impacted my credit score. I have called XXXX and tried to resolve the issue as soon as possible. But they insisted that the report is accurate and had me call the debt collection agencies with whom I did not have any association. The debt collection agencies ( XXXX and Phoenix ) did not have my information on their file. To date, the two debt collection accounts still exist on my credit report ( please find attached the images ).
Consumer complaint received 2021-09-26
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: Credit Karma (TX)

Shortly after installing the CreditKarma XXXX, I received a welcome email, which I may/may not have clicked on. Since, and in attempts to find cheaper auto insurance via their " offers '', I did choose to go with XXXX XXXX XXXX. No problems with that, as of yet. ( I DO have MAJOR problems with XXXX though ). Recently, I also received both email and XXXX notifications about their XXXX  XXXX, which seemed like a good idea to rectify legitimate outstanding claims using a pre loaded card. 
Then, the problems started while applying, with the XXXX, that it repeatedly cited my phone number was recognized and validated upon registration ... .. but the device was not. It prompted for the phone number to text a code to ( which sounded odd, having said the number was validated ). Time after time a text never came. Using the web based " chat '', that initiated a call to my phone. The person was female, loud room, sounded XXXX, which also yielded zero results so I asked for her supervisor. She cited the problem was with my phone and to check with my provider. Eventually, after pressing why a simple task was an issue, she said they used another 3rd party which " handles the phone numbers ''. She said a supervisor was not present, and one would be calling in 24 hours. 
Since, I have received multiple phishing emails and phone calls. 
Phone call from : XXXX and XXXX Emails from XXXX XXXX and XXXX The same day, I applied for XXXX 's Card. Exact same problem again with the phone number from both the XXXX and website. Exact same sequence of events and likeliness. I have been with XXXX for 17 years. I still use a XXXX key fob that is impossible to duplicate from their XXXX XXXX days. 
Phone calls from : XXXX XXXX This also seems to happen a lot on both XXXX and XXXX if a low/negative review is posted .... or if no review at all.
Consumer complaint received 2022-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Southwest Credit Systems, L.P. (OH)

Southwest Credit Systems keeps removing account from credit report and then turn around and repost it with a new and more recent " Account Open '' date. This is an unfair and deceitful practice that is used in an effort to cause unfair credit impact.
Consumer complaint received 2023-01-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (MA)

I paid off my credit card balance on XXXX XXXX, 2022. I did not receive credit for the payment during the XXXX or XXXX and now XXXX billing cycles. The check was cashed by the bank ( credit card company ) on XXXX, 2022. I reported this to the bank and sent a copy of the cancelled check. They told me that they would conduct an investigation which may take up to 60 days! During that time I should not have to make payments or accrue interest which they have not been doing. 

I again inquired about the status of the issue and was now told it would take 90 days! I was also told I must make payments and I will be charged interest ( on money I do not owe ) I have tried to get an update as recently as today to no avail. I believe I need support from your agency to resolve this matter. 
Thank you
Consumer complaint received 2023-01-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the Fair Credit Reporting aft XXXX Account # XXXX, has violated 15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency 15 0.3.6 1605 A creditor may not treat a payment on a credit card account under an open and consumer plan as late in any reason
Consumer complaint received 2024-04-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (MD)

On XX/XX/2024, I mobile deposited a check from the United States treasury for XXXX. On XXXX XXXX I received an email saying that my check deposited has been accepted and I should allow processing for one or two business days. On the same day of XX/XX/2024 I received additional emails saying that the check I deposited on XX/XX/XXXX has been a delay and making the funds available. The email also went along and said we have confidential information indicating the check may not be paid. Your money will not be available on XX/XX/XXXX, XXXX on XX/XX/2024 I called and speak to a representative about my check status. I spoke to someone at the branch in XXXX Virginia and the branch manager at that location said that my account wasnt closing status. I asked why she said because fraudulent. When I call customer service, they asked me questions about the check. I let them know that the check was drawn off of my job. I got a loan from XXXX  XXXX  and they gave me a check drawn off the United States treasury fraud. Blocked all access to my account on XX/XX/2024 XX/XX/2024. I called back and said that I wasnt able to receive access to my account. They said that my account was in closing status. I will no longer have access to my account and I will have to wait until I get a letter in the mail stating the reasons why they close my account and they will not be able to tell me the status of my check that hasnt cleared or if the money is in my account. I got in contact with my retirement people who wrote the check. They said that the check was cashed, but I did not receive funds from that. I no longer have access to the account nor do I have access to the funds in the account if there are any. I havent received any more correspondence from the bank regarding this situation. I did getting in contact with my retirement people who payment on the check Investigating the situation to issue me a new check. I sent an email to Citibank recovery regarding the situation for them to investigate why my account was blocked and closed due to a check that wasnt fraud.
Consumer complaint received 2023-01-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (GA)

Had someone depositing money then turn around and take it out, overdafted me and set me back like 6 months of payments on my power bill. Closed my account and went to another bank but still have info on account
Consumer complaint received 2023-06-26
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: EQUIFAX, 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 USC 1681.

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 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 seven 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 2023-07-21
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: EQUIFAX, INC. (MS)

Upon completion of Equifax investigation, XXXX XXXX didn't fix nor delete the inaccurate and incomplete inconsistent reported account detail information regarding my account, they re-update and verified as accurate information in my credit file false incomplete and inaccurate and inconsistent account detail information. The investigation resolution completion date of XX/XX/2023 didn't fix nor did Equifax delete this account from my credit file to date. Equifax continued to allow XXXX XXXX to furnish inconsistent inaccurate account detail information to my credit file in spite of my dispute complaint.
Consumer complaint received 2023-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.
Consumer complaint received 2021-09-26
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Experian Information Solutions Inc. (NY)

I sent a follow up letter which lawfully should have been responded within 15 days. That was not the case, instead I received a template letter from your company lacking all of the crucial information I requested from you. Please note, we are preparing legal action against those involved in the illegal reporting of false accounts. We request that you send the evidence requested in our previous 2 correspondence plus the following in order to help us build our case against the false reporting culprits whether it be the bureaus or furnishers.

Original signed contract ( Bearing My Signature ) Proof of ownership, the furnishers proof of ownership documents List of all names at your company who were involved in this investigation A clear and detailed explanation of what you have done in regards to my account from the moment the original dispute was filed. 
Please note the intent of this letter is not to intimidate any person or company. But I have been intimidated by the actions your company has taken against me and the way this investigation is being handled. Your actions behind a computer screen have real life consequences. I am unable to gain new credit and am forced to pay higher rates on just about everything because of the information being reported through your company. 
Please provide all of the above evidence required or immediately delete these accounts from my credit report.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CL Holdings LLC (GA)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account XXXX : XXXX XXXX
Consumer complaint received 2021-09-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BARCLAYS BANK DELAWARE (NC)

I received offers by email for " 0 % APR for 7 months ; 0 % promotional APR on all your new purchases including online purchases, made between XX/XX/2021 and XX/XX/2021 with your Wyndham Rewards Visa Card. Use your card and save on everythingfrom everyday purchases to big ticket items. '' However, after making purchases during this time period the company is saying it wasn't 0 % by transaction and that even if I bought something on XX/XX/XXXX to avoid interest I would have to pay the purchase in full by XX/XX/XXXX to avoid interest. I asked how does this correlate with 7 months of no interest as the promotion stated. I made the purchases during the promotion period with the understanding that I would have 7 months of no interest on the purchases and on all purchases not just the ones made in XXXX. This is extremely misleading since the offer, as they have now explained, really just meant only purchases made in XXXX would get the 7 months of the 0 % promotional APR. I had even called on 2 occasions before expecting this offer before the deadline to accept it in XX/XX/2021 and the offer was not explained in the manner they are now saying it was to work. This offer was very poorly written based on the way they are now enforcing it.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SANTANDER HOLDINGS USA, INC. (PA)

XXXX  POTENTIALLY NEGATIVE Account Info Account Name Account Number Account Type Responsibility Date Opened Status Status Updated XXXX  Balance {$16000.00} XX/XX/XXXX {$300.00} as of XX/XX/XXXX - {$19000.00} - 69 Months XXXX XXXX XXXX XXXX Auto Loan Individual XX/XX/XXXX Balance Updated Recent Payment Monthly Payment Original Balance Highest Balance Terms Repossession. {$16000.00} past due as of XX/XX/XXXX. On Record Until XX/XX/XXXX XXXX XXXX XXXX POTENTIALLY NEGATIVE XXXX XXXX XXXX XXXX Debt Buyer Individual XX/XX/XXXX Collection account. {$530.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX Balance Balance Updated Recent Payment Monthly Payment Original Balance Highest Balance Terms On Record Until {$530.00} XX/XX/XXXX - - {$530.00} - 1 Months XX/XX/XXXX SANTANDER/CHRYSLER CAP POTENTIALLY NEGATIVE Account Info Account Name Account Number Account Type Responsibility Date Opened Status Status Updated SANTANDER/CHRYSLE R CAP XXXX Auto Loan Individual XX/XX/XXXX Account charged off. {$26000.00} written off. {$6800.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX Balance Balance Updated Recent Payment Monthly Payment Original Balance Highest Balance Terms On Record Until {$6800.00} XX/XX/XXXX - - {$26000.00} - 76 Months XX/XX/XXXX XXXX XXXX XXXX  Account Name Account Number Account Type Responsibility Date Opened Status Status Updated XXXX XXXX XXXX XXXXXXXXXXXX XXXX Secured Loan Individual XX/XX/XXXX Paid, Closed. XX/XX/XXXX Balance Balance Updated Recent Payment Monthly Payment Original Balance Highest Balance Terms - - - - {$720.00} - 24 Months XXXX XXXX XXXX Account Name Account Number Account Type Responsibility Date Opened Status Status Updated XXXX XXXX XXXX XXXX XXXX Individual XX/XX/XXXX Collection account. {$1800.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX Balance Balance Updated Recent Payment Monthly Payment Original Balance Highest Balance Terms On Record Until {$1800.00} XX/XX/XXXX - - {$1800.00} - 1 Months XX/XX/XXXXXXXX XXXX