davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-19
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: DISCOVER BANK (CO)

In XXXX of XXXX I purchased 8 tickets at XXXX per ticket to see the Broadway show XXXX XXXX XXXX in XXXX Virginia. The show was scheduled for XX/XX/XXXX. In XXXX of XXXX the show was cancelled due to COVID19. We contacted Ticket Office and asked for a refund. However, they refused the request and offered a credit of 120 % the value of the original tickets. I reached out to my credit card company, Discover. I explained the issue. They temporarily credited the card back for the purchase. Then the card was charged again, after they sided with the merchant. This began the fight. I have provided them with numerous emails proving we requested the refund. The show was cancelled and not rescheduled. I have XXXX and was told not to travel during The pandemic. In XXXX of this year I came down with a severe XXXX in XXXX and spent 5 days in the hospital. I am currently on oxygen. I explained that I could not fly, nor could I use a credit of XXXX in live event tickets. If the original show was canceled and not reschedule, then I should be allowed to request a refund for those tickets. After 16 months of fighting and having to pay the interest, I decided to pay the balance and close the account. I have had the account for 20 years, never missed a payment, and my Credit score is an XXXX. I lost my husband and am living on a fixed income. This has caused a hardship and the credit card company will not assist in resolving the issue. This is the case number for this dispute # XXXX
Consumer complaint received 2021-07-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PDQ Services, Inc. (GA)

PDQ Collections sent me a notice of collections in XX/XX/2020. I disputed the debt within the 30-day timeframe they required. I obtained the fax number to the collection agency and faxed a dispute form stating I didn't owe the debt. This dispute form was faxed to PDQ on XX/XX/2020. Instead of holding the file, they reported the debt to the credit bureaus, thus negatively impacting my credit. 

I have filed a complaint with the Attorney General 's office as well siting both PDQ and XXXX XXXX XXXX. PDQ violated FDCPA regulations and XXXX XXXX 's behavior ( running unnecessary tests on a patient 's biological specimens ) behavior which is both unethical and unprofessional. XXXX, the debt is only {$100.00}, I refuse to pay a debt I do not owe. It has taken a lot of time dealing with the situation ; however, the conduct of both PDQ and XXXX XXXX must be confronted and reported or they will continue this bad behavior negatively impacting many people and their families in the worst way.
Consumer complaint received 2022-08-20
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. (TX)

I sent a investigation letter to XXXX, Equifax and XXXX to please investigate every piece of information is correct and 100 % accurate if not please remove it from my credit report.I got the results and The credit bureaus stated that these accounts XXXX XXXX account number XXXX and XXXX XXXX also knows as XXXX XXXX and XXXX account XXXX is 100 % accurate but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is grounds for removal. They also violated my rights under 14 U.S.c 1681 section 604 A section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. I havent give these accounts written permission to furnish these account on my credit report 15U.S.C 1681 ( A ) 4 states there is a need to insure that consumer reporting agency exercise their grave responsibility with fairness impartiality and a respect for the consumers right to privacy. 15 U.S.C 1681 ( I ) ( 5 ) treatment of inaccurate of unverifiable information They didnt do the proper investigation.If after Reinvestigation under paragraph ( 1 ) of any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not verified, the consumer reporting agency shall promptly delete the item of information from the file of the consumer or modify that item of information as appropriate base on the results of the Reinvestigation. I called each credit bureaus 3 times to let them know they or in violation of these accounts and delete them immediately they said no. I dont want dispute these accounts I want them deleted plus a XXXX dollars per violation I have challenged and dispute these accounts 4 times they are in violation
Consumer complaint received 2021-07-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio (NY)

No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Consumer complaint received 2020-08-11
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: Conduent Incorporated (MS)

XX/XX/2020 I noticed I had no money on my eppicard XXXX  XXXX card I was advise. A employee from the bank that hold the XXXX  account from XXXX till around XXXX XXXX whom was taking XXXX XXXX etc ... and an company that doesn't exist by the name of XXXX  who was taking was XXXX + XXXX etc ... .numerous of times all payments were unauthorized eepicard card holds sent dispute out said I would have my money in 10dYs no in the dispute office never answer an I get charged XXXXforevety call I call a total of 7 times plus stat in the phone for 2 hrs everything them they would hang up now they sayn letter never received so I had to fax a written dispute still have got my funds.
Consumer complaint received 2021-06-04
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I have been disputing 1 account since XX/XX/XXXX, almost a full year and the bureaus have verified the information but have never proven to me HOW they're verifying it nor have they provided documentation! Then, they stopped responding all together! In fact, this account was paid in full in XXXX of XXXX yet they're reporting it delinquent in XXXX of XXXX! This is a paid collection and I have included the paid confirmation for your reference.
Consumer complaint received 2020-08-11
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: GOLDEN 1 CREDIT UNION, THE (CA)

Recently I applied for Economic Injury Disaster Loans and I was approved with the documentation that as requested from the XXXX XXXX XXXX. The loan amount that I signed for and agreed to pay for was {$89000.00}. The ACH deposit inside my account XX/XX/2020. Golden Credit Union placed a Permanent hold on my funds from the XXXX Loan deposit. I spoke with a representative regarding the hold and was advised I need to show them documents before or if they decide to release the hold from my loan. I told the Rep my business is a DBA/ Fictitious business name filed with XXXX XXXX XXXX   XXXX XXXX California XXXX They currently have my loan frozen inside my own account. its unfair practices. I was approved for a loan and the bank blocking ACH Deposits for my busines which I have to pay for monthly.
Consumer complaint received 2020-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

XXXX XXXX and Experian wont remove all the negative items I am disputing that are not mine a lot of information is incorrect and it is a hassle trying to get them to remove these things. 
Especial this car from XXXX that is not mine that need to be removed! My father has the same name as me and racked a lot of debt in my name he is now in jail and I need to have these items removed!
Consumer complaint received 2020-08-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Been a Capital One credit card customer for 13 years. No late issues Tier 1 credit risk. Out of no where I get an email saying they are cutting my credit line. No prior notice. No appeal. No restoration per their customer service
Consumer complaint received 2020-08-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC (NJ)

I settled a debt with National Credit Adjusters ( per attached letter ). They agreed to remove the balance and show it as " paid in full '' on the credit reports. They simply reduced the balance by the settlement amount I showed and reported THAT BALANCE to the credit bureaus. 

This is a violation of federal law including the Fair Debt Collection Practices Act and the Fair Credit Reporting Act.
Consumer complaint received 2020-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AZ)

Hi I am filing this complaint against the 3 major credit bureaus. 

I disputed the accuracy of a XXXX XXXX account XXXXXXXX. 

All three are reporting different variables The follwing information is reporting wrong : Date Opened : XXXX XX/XX/XXXX Experian   XX/XX/XXXX XXXXXXXX XX/XX/XXXX High Credit : XXXX {$1000.00} Experian {$0.00} XXXX XXXX$41.00} Credit Limit : XXXX {$1000.00} Experian {$1000.00} XXXX   {$0.00} Last Reported : XXXX XX/XX/XXXX Experian XX/XX/XXXX XXXX XX/XX/XXXX Comments : XXXX : Charged off as bad debt Canceled by credit grantor Experian : Account has been closed due to inactivity. 
Unpaid balance reported as a loss by the credit grantor. 
XXXX Charged off account Accounts closed by credit grantor Date Last Active : XXXX XX/XX/XXXX Experian XX/XX/XXXX XXXX   XX/XX/XXXX Date of Last Payment : XXXX XX/XX/XXXX Experian XX/XX/XXXX XXXX  XX/XX/XXXX The information above should be the same across the board. There should be no difference any of these factors. The FCRA clearly states items on a credit report needs to be reported as 100 percent accurate. If not not they should be deleted I have attached a copy of my report showing the in-accurate information
Consumer complaint received 2020-08-27
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (OR)

My mortgage servicer changed hands XX/XX/XXXX being transferred from XXXX XXXX XXXX to Freedom Mortgage. 
I sent Freedom Mortgage a Cashier 's Check for {$1500.00} on XX/XX/2020. Shortly after I began receiving " past due '' notices from Freedom Mortgage. 

I contacted a supervisor at Freedom Mortgage who researched the situation. He found that Freedom Mortgage received my Cashier 's  Check, which had my name on it, and mailed it to people in the state of Utah unprocessed. They did this because they claim the loan number matched these folks loan number despite having paid off their mortgage some time ago. These people ae not know to me. 

In summary : 1. Freedom Mortgage received my payment. They admit this. 
2. Freedom Mortgage did not process this into my mortgage account.

3. Freedom Mortgage mailed the Cashier 's Check to someone in Utah. 
4. Freedom Mortgage is sending " past Due '' notices despite knowing about this situation and have received subsequent monthly payments.
Consumer complaint received 2021-12-23
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: Experian Information Solutions Inc. (NY)

On XX/XX/XXXX I sent out a validation letter via certified mailing to the 3 major credit companies ( XXXX XXXX XXXX XXXX Experian ) to resolve the issue at hand, kindly asking them to remove and delete the accounts that are very much inaccurate.There are several closed accounts from dates unbeknownst to my knowledge being reported also these accounts are still reporting " active '' activity. XXXX and Experian has yet to delete and remove these accounts. This is affecting me tremendously and hindering me from obtaining credit. If these alleged accounts are " closed '', " charged off '' why are they being reported and reported inaccurately and having active activity to this present day when its been closed since the year XXXX & XXXX.
Consumer complaint received 2021-06-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

Hello, This is a complaint about LoanCare LLC. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX https : //www.myloancare.com/pub/index.html # /Login I have been trying to make a loan payment Online, but their online payment system is preventing me from making a payment. I have called customer support multiple times, but they have been unable to accept my payment. They never respond to my repeated inquiries telling them that their payment system is not working for me. They do not get back to me so that I can make a payment, and now if I send a payment by snail mail it will be late. I have an agreement to come out of forebarence, but all this is preventing me from making a payment. 

Their automated voice system leads people down paths an incorrect path, so that they have difficulty reaching customer service and prompts people to leave a message with the company. Only by choosing an incorrect option was I able to reach a person. On XX/XX/XXXX I was on hold for over 30 minutes just to reach a person. That customer service agent was not able to process my payment - she said the system wasn't working for her to push my payment through, and had to get a supervisor involved to figure out how to accept a payment over the phone. I don't expect to hear back from them, and she could not give me her direct phone number so that I could contact her later. 

Their accounting practices appear to be incorrect often. I had a support ticket out for 3 months ( starting XX/XX/XXXX ) to resolve an issue where I had made a payment of {$12000.00} toward my mortgage loan. On XX/XX/XXXX I paid {$12000.00} toward my mortgage which was classified as 'other '. I saw on my account showing XXXX payments of {$3200.00} each toward 'principle ' which adds to {$9600.00}. This left {$2300.00} un accounted for. No one ever responded to me to resolve the issue. I checked today ( XX/XX/XXXX ) and there appears to still be {$98.00} unaccounted for. 

Something fishy is going on over there, or at the best complete incompetance and these people should not be handling our money if they can not keep track of where it is.
Consumer complaint received 2020-07-08
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc. (WA)

On XX/XX/XXXX, I paid off my total balance of {$54.00} For my XXXX XXXX   credit card. Afterward I requested my account be closed over the phone through the automated system. The account was closed and my XXXX XXXX   confirmed a account closure. 
However, today on XX/XX/XXXX, I received a email from comenity bank stating I have to pay a monthly bill for {$37.00} despite closing the account with no outstanding balance weeks ago. 
I cant even make the payment if I wanted to because the website says my billing page doesnt exist and the phone line refuses to get me to an actual person.
Consumer complaint received 2022-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (DC)

On XX/XX/2022, I asked an American Express agent to provide me with a link so that I could upgrade my Amex gold account to an Amex platinum account. I told an online Amex agent with whom I intended to upgrade my existing card that I did not want a new account, as it would hurt my credit score, and explained that my wife and I are financing our first home. I did not want a new account on my credit report as my loan agent advised me not to open any new accounts. Because this was through an online Amex agent, this conversation is in writing, where I expressed many times to American Express that I did not intend to open a new account. Days after clicking and signing the link Amex provided me, I noticed that in addition to having my existing account with Amex upgraded, an entirely new account was opened in my name, against my wishes. I immediately closed the erroneously created new account upon realizing what had occurred. I have called Amex customer care seven or eight times and was told there is nothing they are willing to do to remove this from my credit report, even though I have documentation in writing with their representative of my wishes not to create an entirely new account. For the next seven years, I will have this opened and closed American Express account ( Dated XX/XX/2022 ) on my credit report, which Amex opened against my wishes. I would like this removed immediately from my credit report, and Amex should work with me in this process.
Consumer complaint received 2020-12-19
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: EQUIFAX, INC. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-07-22
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. (MI)

My family and I had to make a last minute out of state trip due to a death in the family. We put the money for food, travel, and expenses on this card as this was the XXXX with the most usage available after being paid down so we chose to pay on this card to be safe. 

XX/XX/XXXX submitted a payment online of {$1100.00} at XXXX XXXX XX/XX/XXXX called XXXX XXXX to inquire about the payment not posting and received a response after 1+hr hold time that due to a system outage the company can see my payment on the back end but it has not yet posted XX/XX/XXXX XXXX XXXX XXXX  confirmed the {$1100.00} payment cleared the account and encouraged me to contact the company to see if anything could be done before disputing the charge. 
XX/XX/XXXX Called XXXX XXXX and spoke to a representative who stated that it would be 2-3 business days after it cleared so to give it until XX/XX/XXXX. 
XX/XX/XXXX Called XXXX XXXX just now after midnight EST and spoke to a representative who confirmed the payment has cleared but can not be posted and sent me to a supervisor named XXXX who stated that the company expected to have the issue resolved two weeks ago but they are still waiting for the IT department to clear this issue and there is no ETA.
Consumer complaint received 2024-11-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Allied Collection Services, Inc. (Nevada) (CA)

I am disputing the accuracy of this account as it appears on my credit report. The balance and charge-off status reported are incorrect, as the account was fully resolved previously. This erroneous information is negatively affecting my creditworthiness, and I am requesting an immediate investigation. Please update my credit report to remove this inaccurate entry and notify me once the correction has been made. It is critical that my credit report accurately reflects my financial history.
Consumer complaint received 2020-08-27
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (MA)

On XX/XX/2020, I placed an online order with XXXX. I cancelled the order within minutes. I received an email confirming cancellation and it stated I was not charged, if any charges were made, contact my financial institution. On XX/XX/2020, American Express Serve processed the transaction and withdrew the funds. When I called to question it, I was told they would start the dispute process and I would hear back within 10 days. XX/XX/2020 I called for an update and was told I had to file the forms, which they then emailed to me and I completed and returned. XX/XX/XXXX, I received an email requesting proof of the transaction. I completed the form and sent a copy of the email cancellation. Again I was told 10-45 days to " investigate ''. 2 weeks pass, I called and was told they hadn't begun the investigation. As of today, XX/XX/2020, still no refund, no resolution and told it could take up to 45 days. I do not understand what needs to be investigated since AmEx processed the transaction after it was cancelled. I am beyond do frustrated with this company.