davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (MA)

I write to dispute {$32.00} in late charges ( fees and interest ) that Department Stores National Bank, as issuer of my Macys American Express Card, ending in XXXX, assessed against me in XX/XX/2020. 

I opened the card in question on or about XX/XX/2020 and made one charge on that date. My wife paid the corresponding XXXX invoice in full. She mailed the check on or before the due date but, according to the issuer, the payment was not received until a few days later. For that minor delay, the issuer imposed {$32.00} in late charges on an invoice of {$150.00} a penalty of nearly 21 % for a bill that was paid in full. 

I attempted on numerous occasions to communicate with the issuer, by phone and by e-mail, without success. My e-mails have not been returned. And my phone calls resulted in recorded messages saying that no representatives were available and either asking me to call back at a different time or providing unacceptably long hold/wait times. 

Because my efforts to reach a human being were not successful, and to avoid the assessment of further penalties, I paid the late charges under protest, while continuing to request that the charges be removed and the amount I had now paid credited back to me. I have received no response, despite the passage of multiple weeks. 

As a result, I have sent a letter to the issuer, bearing today 's date, directing it to cancel my card immediately. I also advised the issuer that I would be filing a complaint with this Bureau. 

I request two forms of relief : ( 1 ) credit in full for all fees and interest charged in or after XX/XX/2020 ; and ( 2 ) immediate cancellation of the disputed card.
Consumer complaint received 2022-07-26
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: EQUIFAX, INC. (FL)

XXXXXXXX XXXX XXXX XXXX XXXXXXXX has previously been " verified as accurate ''. Attached is the letter from XXXXXXXX XXXX  to delete the Collections from my credit report. 

I also request monetary damages of {$1000.00} allowed per the FCRA per violation. The violation in which you failed to perform a proper investigation/reinvestigation and deemed the collecetion account verified as accurate. 

Please delete collection immediately. To avoid litigation against Equifax for false reporting and not performing a proper investigation a check in the sum of {$1000.00} can be mailed to : XXXX XXXX XXXX XXXX XXXX. 
XXXX, FL XXXX If the relief for monetary damages of {$1000.00} is not received within 30 days, im.sure you are aware I have more than enough proof needed to request that amount for EACH violation along with punitive damages for the emotional distress this has caused, the embarrassment of denied credit due to your false reporting and failure to perform a proper reinvestigation, and the list goes on. I expect to see this collection deleted IMMEDIATELY and a check within 30 days to avoid litigation into this matter of negligence on your part.
Consumer complaint received 2020-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NV)

I have several issues with Equifax. Its bad enough you cant dispute things online. At least I cant. They make it nearly impossible on purpose. Theres more than a 50 point difference in my credit score. Equifax never seems to catch up with the others. Its bad enough they take such a long time to correct amounts on my credit report. Their so-called boost is ridiculous as my bank is not listed. Theyve known about the issue for a year and continue to blow smoke. They refused to change an address without me making copies and sending things to them in the mail which I do not feel comfortable with. No other agency including the Social Security administration and internal revenue has an issue but they do. Its bad enough they breached my information, and obviously cant be trusted, whats worse is they make it as hard as possible for me to log in to their site, and make me call to get anything done. I had to hold for one hour, only to be told they want copies of sensitive information to be mailed to them. So they can breach my data again?
Consumer complaint received 2020-05-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc. (CA)

Last month, when I was trying to apply for an SBA loan, I realized that CMRE Financial Services reported a collection matter on my credit report. I contacted them and provided them with proof of payment ( cancelled checks ) of the amount XXXX XXXX XXXX XXXX XXXX billed me for ( the amount my insurance did not cover ). I made numerous calls subsequently to follow up with CMRE. Today, I called again, three times. Each phone call ended up with the employee hanging up on me when I asked them to provide proof that I in fact owe this money. Instead of agreeing to provide proof of the money they claim I owed, I was told to contact my insurance company to ask them why they did not cover the amount they claim I owed. When I tried to explain that it's not the insurance company that's trying to collect from me, and that I needed proof that I indeed owed {$1000.00} to the hospital, I was hung up on. ( I will admit that I was not patient with the first customer service representative, but I was with the second and third one, and yet they both hung up on me when I did not accept their answer that I should contact my insurance company. ) This collection matter has ruined my credit and my chances to obtain an SBA loan during these challenging times due to COVID-19, and I need to get to the bottom of this collection.
Consumer complaint received 2020-05-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I've contacted this company several times via certified mail regarding this fraudulent account and they haven't removed it from my report. I'm demanding this account is removed immediately. 
CAPITAL ONE BANK USA N Account # : XXXX Date Opened : XX/XX/2015
Consumer complaint received 2020-05-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Prime Choice Funding Inc. (NJ)

On XX/XX/XXXX, a representative from Prime Choice Funding sent an email asking for " documents '' to obtain mortgage rates in order to refinance my current loan. I forwarded documents such as Pay stubs, W-2 's, and current mortgage statement, however, I did not sign or send an authorization or consent to run mine or my wife 's credit report. 
On XX/XX/XXXX, this representative sent an email with both my wife and my credit scores, which he obtained from the credit bureau. I was outraged and furious that my credit was obtained without the express written consent of myself, or my wife. 
This was a blatant disregard for my personal information, and illegal as I did NOT give consent. This representative stated in an email that since I gave my DOB, that was the same as consent.
Consumer complaint received 2020-05-14
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. (TX)

My bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen, I got nine and made an account with XXXX XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. XXXX XXXX {$5000.00} XXXX  XXXX {$800.00} XXXX XXXX  XXXX {$5100.00} XXXX  XXXX {$230.00}
Consumer complaint received 2020-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen, I got nine and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. XXXX XXXX {$5000.00} XXXX  XXXX {$800.00} XXXX XXXX  XXXX {$5100.00} XXXX  XXXX {$230.00}
Consumer complaint received 2020-05-13
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc. (MA)

This is for Chrysler Capital Financial on actually 2 different loans one was a lease and one was a loan. The first for the lease is they over charged us when we turned in our lease in XX/XX/2020 and were sending out a refund of {$370.00}. It took them until the very end of XXXX and several phone calls later to get the refund in the form of a debit card from Chrysler Capital, and they deducted {$150.00} for excise tax for the entire year of 2020. We turned the lease in XXXX the tax should have been {$9.00} but they refused to ask the town for an abatement for the year. We could not do this because it was a lease. The vehicle we turned our lease in for in XX/XX/2020 was totaled on XX/XX/2020. The at fault party 's insurance called twice for a pay off once in the beginning of XXXX then again on XX/XX/XXXX because the first one expired on XX/XX/XXXX and they did not meet that deadline. During this time we had made 2 payments and also had a refund credited to our account because we were able to cancel the extended warranty. The insurance paid the full payoff amount to Chrysler and now they are saying we owe {$3000.00}. They reversed the payments that we made ( they have already cashed and received the money for ) and charging us late fees and interest. Both these loans are also still on our credit and have had no recent reporting. This company currently holds an F rating with the better business bureau and should be investigated for fraud and abuse. These loans should be closed and paid in full at this point. We have called several times spoken with all different departments and there is always a different answer. As it stands now it is in review with their accountant department. What concerns me is how many people don't catch these things? how many innocent people are being robbed by this company.
Consumer complaint received 2020-05-13
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. (CA)

I made a reservation at a hotel in XXXX on XX/XX/XXXX. The reservation clearly stated no penalty if cancelled 7 days before arrival. Arrival date was to be XX/XX/XXXX. Several days later, I noticed a charge for {$1100.00} on my credit card. I asked the hotel and they apologized that they did not clearly disclose, but there is a {$1100.00} non-refundable deposit for the stay. This was not clearly disclosed before purchase, or on the email they sent after purchase. They refused to return the amount. I filed a dispute with the credit card provider, and after 60 days they responded that they sided with hotel. The credit card company never asked for any documentation from me. I asked to appeal, and they said all decisions by them are final and no appeals are allowed.
Consumer complaint received 2020-05-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (NY)

I purchased an item on ebay on XX/XX/20. This item was a pair of shoes purchased as a gift for someone overseas. When the item was received by my friend it was realized that the shoes were the wrong size. Shoes were ordered in size XXXX. The shoes received were size XXXX. It was also later realized that the shoe box had size XXXX printed on it but a sticker was placed over that to cover XXXX with a label that read XXXX. 

I contacted the seller notifying him about this a few times. The seller did not respond. I contacted ebay who recommended that I escalate a case with PayPal. PayPal recommended that I send the shoes back to the seller for a refund. I told PayPal that the shoes were overseas at the time and had to be shipped back from XXXX. I was told by PayPal to send the shoes back to the seller when I received them. PayPal stated that the shoes had to be returned back within a certain time frame. I notified multiple agents at PayPal that due to XXXX international shipping was delayed by many carriers and that I could not send the shoes back to the seller until I received them myself. I contacted PayPal multiple times to keep my case open until I received the shoes back. Each time I contacted PayPal my case was kept open by the agents handling my case. Once I received the shoes I shipped them back to the seller on XX/XX/20 and provided the tracking information to PayPal. 

Now PayPal is stating that the shoes were not sent back within the time frame that they stated. However, I clearly communicated to PayPal agents from the onset that the shoes were in XXXX and that international shipping delays were beyond my control. PayPal was contacted in a timely manner and my situation was communicated very clearly on numerous occasions. I don't understand why every agent I contacted agreed to keep my case open if I was to be told after returning the shoes that I did not return them in time. Now the seller has received the shoes back but PayPal is refusing to provide a refund to me. 

PayPal 's communication has been disjointed and I have been provided contradictory and inaccurate information. If I was to be denied a refund then I should have been told that BEFORE I returned the shoes. However, I was never told that. It is heinously unfair to deny a refund to me AFTER I have already returned the item - especially, when I specifically stated that the shoes were not in my possession to be returned immediately. And, considering that each agent I communicated with kept my case open due to the nature of the situation. 

I followed all guidelines and communicated the situation very clearly. Now PayPal is biased in favor of the seller who sent me the wrong item, tried to cover it up with a label that was different from the actual size of the shoes, and who has not replied to any of my messages on ebay. PayPal has been unethical in their handling of this case.
Consumer complaint received 2020-05-13
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (PA)

Currently dealing with the seller on XXXX for XXXX $ + for not receiving the item as he is not responding I opened a case and am disputing that on there but I was promised the item from the supplier that it would be shipped if I paid for the sellers price to ship the item in the amount of XXXX $ USD. At first they wanted me to pay XXXX $ but I explained how I already sent XXXX $ for the item over PayPal/XXXX. The next day the supplier company contacted me and said that they got in contact with the seller and were going to wait 3 days for him to make a payment yet they have not and refuse to refund the amount of XXXX $ as they refuse to have the item shipped between the seller and supplier company they claim to be it is a ver elaborate scam and it has been an ongoing back and fourth conversation between me and the supplier company as the person who sold me the item will not return my messages. 
Also attached is the conversation in email. U have to read bottom to top this has all taken place XX/XX/XXXX to XXXX and still on going the item was purchased XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2020-05-13
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. (OH)

My XXXX XXXX store credit card was transferred to XXXX in XX/XX/2020. I've always paid the card on time, and when it was transferred, it had a XXXX balance. 

I'm in the process of getting a mortgage, and my mortgage broker found that XXXX is reporting that I have a balance with XXXX/XXXX  of {$110.00} and a past-due amount of {$32.00}. Since ( a ) I've never been late, and ( b ) the account is closed, I called XXXX to ask them to resolve it. 

After talking to 5 people, four of whom were supervisors ( and all of whom acknowledged that they didn't see any late payments or outstanding balance ), no one was willing to take ownership and resolve the issue. 

Because the rate lock for my mortgage is approaching expiration, I don't have time to send a letter to XXXX and wait for them to fix the problem ( the error that is acknowledged by all of the five reps and supervisors to whom I have spoken ). Timing aside, it's incredibly frustrating that they will not take ownership and resolve their error, and that their error should require me to battle the bureaucracy.
Consumer complaint received 2020-05-13
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (MD)

The amount isn't correct my ex didn't paid the amount I try to paid the amount in full they kept saying that my Bank card I was trying to pay my balance off with didn't go thru on 3 different occasions so I couldn't pay the balance off in XX/XX/2018 the balance was {$310.00} at the time now its {$700.00}.
Consumer complaint received 2020-05-13
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Personal information incorrect
Company: TD BANK US HOLDING COMPANY (MS)

I viewed my XXXX credit report during the week of XX/XX/XXXX, and found negative derogatory marks that had I had late on payment since XXXX of XXXX. On XX/XX/XXXX, I called TD Bank to inquire about the late payments because I was not informed of the payment. XXXX XXXX XXXX, my ex-partner, communicated to me that he was informed by more than one representative on multiple instances that an account did not exist under his social security number or name nor my social security number or name ( XXXX XXXX ). I found this to be true when I called the same number ( XXXX ) XXXX ) that was given to me and the same instance happened. I gave my social security number several times to 2 representatives before the account could be located. It took over 1 hour to locate the account. When I explained stating, I MUST have an account there because there are several negative remarks on my credit report from TD Bank. After stating my concerns one of the representatives found the account. After going into detailed what happened, the last representative informed me that TD Bank will never remove any negative remarks from any account regardless of the reasoning. I have an issue with this, due to the fact, I was not informed by the financial that a payment had not been received for several months and was easily found after the storyline. I gave my social security number to the representative several times and both representatives stated that could not retrieve my account. When I informed the representative of the what happened, she stated that TD Bank will never remove any negative remarks from someone's account I am in the process of attempting to buy a home and now I have negative remarks reflecting on my account.. 

I have never lived at XXXX XXXX XXXX, XXXX, TN. I was living in XXXX, MN at this time.
Consumer complaint received 2020-05-09
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: MRS BPO, LLC (PA)

ON XX/XX/2020, I received a text from MRS associates about a unconfirmed bill with XXXX XXXX. I replied to that text message to stop -- the stop was not acknowledged bu MRS . 
On XX/XX/2020, I spoke to A Mrs. XXXX XXXX a rep at MRS about this issues. I asked her to validate the claim and her response to me was " I dont know what that is '' As on the date of this filing, MRS has not acknowledge my request to validate this debt as my right under FCRA.
Consumer complaint received 2022-07-08
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. (NV)

XX/XX/XXXX, I went to my local IRS office to talk about my personal incomes taxes and was advise at that time that someone from California Edd and Maryland EDD has filed unemployment under my name and social security number. California someone has collected {$12.00}, XXXX and Maryland {$11000.00}. this place in XXXX and XXXX i have attach copies of my taxes transcripts as well My reports numbers for California Edd # XXXX FTC report number # XXXX Police Report number XXXX I don't believe none of these agencies are doing anything about it IRS , and the Edd offices as well. I don't feel protected at all and i am seeking damages and the security of my personal information. I am allowing 30 days to have my credit updated, taxes updated, and I want the people who did this so i can sue them or I will come after these companies
Consumer complaint received 2022-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Vertical Screen (IN)

The date of issue for my social security number is incorrect. I reported my actual final day of work, but was on leave for XXXX  months following, therefore still considered employed, which explains the discrepancy of those dates.
Consumer complaint received 2020-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (OH)

My Comenity XXXX store credit card was transferred to XXXX in XX/XX/2020. I've always paid the card on time, and when it was transferred, it had a XXXX balance. 

I'm in the process of getting a mortgage, and my mortgage broker found that Comenity is  reporting that I have a balance with Comenity/XXXX  of {$110.00} and a past-due amount of {$32.00}. Since ( a ) I've never been late, and ( b ) the account is closed, I called Comenity to ask them to resolve it. 

After talking to 5 people, four of whom were supervisors ( and all of whom acknowledged that they didn't see any late payments or outstanding balance ), no one was willing to take ownership and resolve the issue.

Because the rate lock for my mortgage is approaching expiration, I don't have time to send a letter to Comenity and wait for them to fix the problem ( the error that is acknowledged by all of the five reps and supervisors to whom I have spoken ). Timing aside, it's incredibly frustrating that they will not take ownership and resolve their error, and that their error should require me to battle the bureaucracy.