davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (FL)

CAINE & WEINER has flagged your account as Collections on XX/XX/2020. 

Source : Not known XXXX Company : CAINE & WEINER Address : XXXX XXXX XXXX, XXXX XXXX, CA XXXX Activity : Grid Code G ( Collections ) Balance Date : XX/XX/2020 Balance : {$250.00} I have contacted this collection company and disputed on my credit file. The original creditor was XXXX XXXX. I have spoken to XXXX told nothing was owed when my policy ended. But continue calls from the collection company stating it doesnt matter if XXXX stated debt was paid collection agency can still collect. This company is causing my credit to drop for XXXX that I do not owe. Please help me. How do people get help if collection companies can put anything on their credit and harassing you over and over. They call telling you how they can mess up your credit if you try dispute something on your credit report. I have 2 credit collection agency who continue to remove the same item and reinsert it at a later time.
Consumer complaint received 2022-05-05
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: Bread Financial Holdings, Inc. (MA)

I had a store card with Comenity bank/Victoria Secret . I was doing payments on time till I lost my job but the only balance left over was XXXX dollars so I thought if I paid it off it will close the account. Years later I was told in 2020 that it was sold to XXXX XXXX XXXX. XXXX never showed up in my report or even got update at all for comenity bank that it was sold to them. In 2020 I paid off the balance over to XXXX XXXX which their policy was they delete the whole account if they are report to the credit company but it never did and now Im not able to delete this account because it wasnt rightfully updated like it shouldve and still shows that I never paid it off. This is really hurting me because its considered a charged off and I have sent the credit companys proof of everything, the store company and lender they sold it too how I paid everything off and should be deleted but the credit company are not bulging at all
Consumer complaint received 2020-08-26
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. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX, Il. XXXXis listed as a previous address for me on all of the 3 Credit reporting agencies. I have never lived there. I tried to lists the dispute with each and I have been unsuccessful after several attempts
Consumer complaint received 2020-05-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SMITH, ROUCHON & ASSOCIATES, INC. (MS)

i notice some collections on my credit report that i dont recall having, so on XXXX XXXX, I sent a dispute letters to the company that is damaging my credit with items that i dont recall having and also has violated the Hippa Act by sharing my medical information with others that i didn't consent in doing. I'm requesting for them to validate the alleged debt within 30 days and verification from the original creditor with a signed contract with the creditor.i have letters attached that i sent to SMITH ROUCHON & ASSOC
Consumer complaint received 2022-05-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

I opened a credit card with Capital One and paid {$390.00} annual fee after obtaining about XXXX points abruptly Capital One closed my account without any apparent reason and cash out all my points about half of the value Week later I received a generic later with vague explanation of why they closed the account I just want to know the specific reason the account was closed and why I did not receive the full amount of my points earned Thank you for your help! 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2020-08-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: FIFTH THIRD FINANCIAL CORPORATION (CA)

I disputed two charges in XX/XX/XXXX on two credit cards amounting to {$14000.00}. Fifth Third Bank continuously refused to chargeback the amounts. Per their policy, I went to arbitration on XX/XX/XXXX, I learned that I WON on XX/XX/XXXX. Fifth Third Bank is refusing to provide me the award amount. They are insisting that I provide a w-9 for a refund/chargeback which is inappropriate. I explained that this is not money being paid to me, but a return of money, therefore their request for a w-9 to then send me a 1099 for  tax purposes, for a refund, is inappropriate. First, on XX/XX/XXXX, their attorney said it was not for tax purposes, but a requirement in order to " cut '' the check. I explained to their attorney that the purpose of a w-9 is to " pay '' self employed and/or independent contractors money ( which is not me ). On XX/XX/XXXX, Fifth Third Bank attorney then admitted it was for tax related purposes and Fifth Third Bank would not be sending me a check without receiving the w-9, which is a tax related form which does not pertain to me. 

Fifth Third Bank should refund/chargeback the money the way they would any other way for a refund/chargeback/credit payment and issue me a check without requesting a tax document which is not relevant to me. 

First Fifth Third Bank refused to follow their policy and refund/chargeback the amount, and now they are trying to circumvent their responsibility of issuing it as a refund/chargeback by requesting a IRS document that is not relevant to me.
Consumer complaint received 2020-11-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CBC Companies, Inc. (MA)

Im writing to file a former complaint against Factual Data They showing up on my credit report as they pulled my credit file when I dispute it the first time they send me a letter that my verbal authorization was given to a company that I have never heard of before and that I have never requested to pull a copy of my credit. I called and spoke with a supervisor at factual Data they told me they were not the one who handle it to try calling another number. If factual data does not handle such account why is it in my credit report as factual data. This to me sounds like fraud and Im requesting the inquiry be deleted right away from my credit report.
Consumer complaint received 2022-12-10
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo has been a headache for a long time ago! I have ask several time for some help but this lender has not help me once!! 

After the XXXX XXXX assistance have help me so much!!! I appreciated but while my mortgage with Wells Fargo bern in the process of loan modifications, bankruptcy, foreclosure and so on shouldnt have this much late charges fees the least Wells Fargo can do is waive the fees for the pain and headache they cause me all this years I would like for wellsfargo to waive this late charges Im the amount of {$2700.00}. And apply payments for XXXX and XXXX 
the least they could do since they cause a big load of pain all this years
Consumer complaint received 2021-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. The XXXX and XXXX Credit Bureaus are reporting inaccurate information on CCB/XXXX Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2021-08-06
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: JPMORGAN CHASE & CO. (MD)

I've purchase an XXXX  XXXX 38 Inch Curved XXXX UltraWide QHD+ ( 3840 x 1600 ) Monitor from XXXX as in " Like New Condition '' from XXXX XXXX on XX/XX/2021 for {$1300.00} ( Order # XXXX ). When I received the merchandise, I opened the box to find out the monitor panel has been cracked across the screen ( with photo proof attached ). The box was packaged well, which leads me to believe someone else broke the monitor screen and returned the package to XXXX XXXX where XXXX miss-stated the condition of the merchandise but still tried to sell the item anyways. Given that the unit was dead on arrival, I've contacted XXXX for an XXXX return Label. Later on XXXX tracking XXXX showed that it has been successfully returned back to XXXX warehouse on XX/XX/2021. About a month later, I've chatted with multiple XXXX reps to inquire about the refund I did not receive. Each rep assured me to wait a couple business days for the refund to show up but it never did. On XX/XX/XXXX, I filed a chargeback dispute with my credit card company Chase, where a temporary credit of {$1300.00} was issued. On XX/XX/XXXX, the dispute resulted in a rebilling of {$1300.00}! I contacted Chase dispute department and submitted XXXX proof of delivery of the return merchandise, but Chase completely disregarded my dispute documents and reported my dispute to the 4 credit bureaus, which impacted my credit history. I kept on reaching back to XXXX for help, but the account specialists said I have an outstanding dispute so they can not refund me the money which doesn't make sense because the dispute resulted in me getting rebilled for a merchandise I returned back! I appealed Chase 's decision on the rebilling, and on XX/XX/XXXX, Chase mailed me a letter stating that my appeal has been denied. At this point I've lost {$1300.00}, and countless hours back and forth with XXXX and Chase trying to get my money back for a merchandise I've successfully returned. At this point I've exhausted all my options working with XXXX and Chase and am writing this complaint hoping it can result in getting my money back.
Consumer complaint received 2020-08-18
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY (TX)

I had a charge for almost XXXX bucks on my last XXXX dollars in my American Express Serve account. I called them from the gas station, luckily by my house, to inquire where the money went. We both, them and me, researched the charge and I told them I had no idea where that came from. I was told it would be returned and hold for next person. 

When I held, they hung up. When I called back, on XXXX at the gas station. Alone. No cash. They told me I was going to have to do a dispute. I said I agreed. They said ok. 

Now, they never did either. Then, when my actual deposit hit for XXXX, they locked my card and I had to call 10 times to get them to unlock it. I waited 5 hours. 

I don't like how they treat their customers as if they are doing us a favor. Any card that takes advantage of the poor with nonsensical fees that they don't even consider for mid to upper class, MOSTLY XXXX, people, needs to forever be bankrupt. 

I pray C19 makes you all go bankrupt. 

I closed the account and am waiting on my check. 

It doesn't include that XXXX. 

I want my XXXX too and an apology.
Consumer complaint received 2022-08-15
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. (SC)

Credit Protections Under the Coronavirus CARES Act Under the CARES Act, if your account is up to date and you make a debt-relief deal with a creditor, that creditor must continue to report the debt as current. If you miss one or more loan, credit card, or mortgage payments because of the coronavirus ( COVID-19 ) pandemic, the creditor can report you as delinquent to the three main credit reporting bureausEquifax, XXXX, and XXXX your credit score will take a hit. The CARES Act, which was signed into law on XX/XX/XXXX, XXXX amends the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COVID-19 crisisbut only under specific circumstances. ( See 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ). ) Under the amended FCRA, if a " furnisher '' makes an accommodation because you were affected by COVID-19 during the covered period ( see below ), that furnisher must report your account as current to the credit reporting agencies, so long as you weren't already delinquent on payments. ( A " furnisher '' is an entity, like a lender or creditor, that provides information relating to consumers to one or more credit reporting agencies for inclusion in a credit report. ) XXXX XXXX XXXX XXXX Last 4 of account # XXXX XX/XX/XXXX ( XXXX, XXXX )
Consumer complaint received 2020-08-26
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-11-19
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: Radius Global Solutions LLC (VA)

XX/XX/2020 : Myself and my parents were called on XX/XX/2020 by XXXX XXXX XXXX and told that I had a debt from a credit card company, XXXX, that was now in litigation and that I had a court date. They claimed that I had over $ 2k in debt and that my court date had been set. After inquiring a lot on my part, XXXX XXXX ( my " account manager '' ), told me that if I were to hang up the phone I would lose all access to my settlement of {$750.00}. I asked to speak to someone else as I was weary of giving personal info over the phone, she sent me to a man, her senior manager, and he directed me to XXXX to enter my info. I was told that I would be sued if I didn't settle today so after a lot of badgering and threatening, I agreed to give my debit card info via the website. 
XX/XX/2020 : After calling my credit company, I found out that Radius Global held my debt. I called them and I settled my real debt for {$380.00} on XX/XX/2020. I called XXXX XXXX XXXX  back in the meantime and spoke to the exact same two people that I had gotten on XX/XX/2020. XXXX immediately passed me to her " superior '' and he told me that I was wrong and that I was to be sued. He got progressively angrier at me as I questioned him and told him that I would be reporting him to my bank and the CFPB. At this point he began talking over me, threatening me with a court date and " expediting my case to the court '', yelled at me for siting untrue laws and then immediately hung up on me. During his rant, he told me he would refund my fees ( this did not happen ). I have since cancelled the related debit card, paid off my real debt and reported them here. I am waiting on the first payment to be disputed and returned. This is a scam based out of Georgia, be aware, they had ALL of my personal info, more than enough to be legit. But their website is from 2020 and the XXXX  has no record of them. Phone number is : XXXX
Consumer complaint received 2021-02-22
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Glasser and Glasser, PLC (VA)

On XX/XX/XXXX, I applied for a job with Glasser & Glasser P.L.C- I submitted a credit check for employment purposes only. I was offered a job with the company making {$14.00} hr. On XX/XX/XXXX, I sent the background form for Glasser & Glasser P.L.C to only use for employment. After running the background, on XX/XX/XXXX, I was sent a collection notice from Glasser & Glasser P.L.C as a collection notice for XXXX XXXX XXXX, ( that I had at a different address ) sent to the address I applied for the job at Glasser & Glasser P.L.C with. On XX/XX/XXXX, I sent a certified letter to cease all communications in regards to the above style case. Returned green card was returned as proof of their receiving it. Thirty days later, XXXX XXXX XXXX, from Glasser and Glasser P.L.C mails me, at the address provided for employment, not the alleged debt address, a letter and copies of statements from Capital One, violating the Fair Debt Collection Act 804 subsection C in regards- ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. 
On XX/XX/XXXX, I received ( again to the address given for employment purposes ) A Warrant in Debt, filed by Glasser & Glasser P.L.C in General District Court of XXXX XXXX, Virginia. Hearing set for XX/XX/XXXX at XXXX. 
Attempted to settle any alleged debt with the original creditor is referred to the third party collections of Glasser & Glasser P.L.C who illegally obtained this alleged debt in the purpose of offering me a job with them. No other notice was sent to me prior to filing my background report for the purpose of employment. To me this is a ponzi scheme, as the offer for employment was rescinded by Glasser & Glasser P.L.C. I feel this is a illegal way to obtain a alleged debt, by falsely offer employment then take it away when they obtain a debt on your credit report. And violating the Fair Debt Collection Act in so many ways.
Consumer complaint received 2020-08-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (AZ)

I called the XXXX number and followed the prompts to report potential fraud which instead sent me to the General Account Services ( GAS ) department ( later I found out this is in no way the fraud department ) ; this happened every time I called. They put me on hold multiple times to call someone internally in the fraud department who was in charge of investigating my suspicious charges and each time that person didnt answer. The GAS rep didnt give me this fraud investigators contact info bc apparently its against company policy and told me they were likely at lunch ( this was XXXX ) and to call back before XXXX. I did this and received the same response. I called BB & Ts XXXX number 3 times, each time a GAS rep then called the fraud investigator 3-5 times with no response. My local BB & T branch only allows appointment-only walk-ins however when I called them ( standing outside in the rain ) they told me their hands were tied, theres nothing they can do to unfreeze my account or replace the money that was stolen. 

My account has been frozen now for about a week and NOBODY from BB & T has reached out to me yet. Multiple bills have bounced totaling {$350.00} thus far and I have yet to find a way to rectify this BB & T issue. Im right out of medical school with > {$300000.00} in loans living paycheck to paycheck. How am I supposed to pay my loans, utility bills, and credit card? I work >100 hours per week with COVID patients, when am I supposed to find time to reach out to BB & T? I feel as though Ive already gone above and beyond the responsibilities of a consumer ... how long will they sit on this issue? Will it ever get fixed? Am I supposed to pay the {$350.00} in overdraft fees from my lenders?

This has been by far the worst customer service experience Ive ever had. After this is over with I will be closing my BB & T acct that Ive had for >30 years and moving on to another bank.
Consumer complaint received 2021-02-22
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I AM XXXX XXXX AND I AM FILING THIS COMPLAINT ON BEHALF OF MYSELF. 

I have been disputing incorrect information on my credit reports since XX/XX/2020. I have been disputing continuously with all three bureaus on multiple occasions. I still have not received a response from them most of the time, this is unacceptable! XXXX, TransUnion and XXXX need to respond to my disputes as well as needing to have these items removed from my report as this is inaccurate information.
Consumer complaint received 2021-08-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (FL)

XXXX XXXX a direct deposit was made to my PayPal account in the amount of {$8400.00} I usually transfer my funds directly from my PayPal account to my bank account but on this day PayPal permanently locked my account without any warning or any type of explanation to why this action was taken I have made several attempts to contact PayPal headquarters and no attempt was ever success I spoke with one of PayPals many account representatives which offered no help or any explanation to why my account was locked and my funds are stuck in this account they told me I would have to wait 180 calendar days to receive any information about my funds I later went online and found a few reviews for this similar situation and a lot of other PayPal users have had the same incident happen to them and they never received there funds from the account in those 180 days the representative that I spoke with claimed she was a manager and was very much unprofessional and as I explained my situation of me becoming homeless if I didnt pay my rent she laughed over the phone at me and stated that it was nothing she could do to help me