davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-14
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I was inappropriately charged an annual member fee after cancellation. My cred card acct was billed an annual membership fee after cancellation in XX/XX/2023. Charged unfairly {$39.00} dollars on XX/XX/2023 on # XXXX then {$29.00} on XX/XX/2023. Charged {$39.00} on acct XXXX on XX/XX/2023 and late fee of {$25.00} on XX/XX/2023. Capital One refused to reverse fees XXXX or reach resolution I am disputing these charges until issue is resolved to my satisfaction Further complaint against Capital One for only employing telephone representatives in XXXX.
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

I was finally able to get on XXXX XXXX and saw that my score was negative as I am beginning to buy a house. I see that a ton of loans were taken out in my name that were not mine. I have listed them below and on the police report. 

The accounts are : Someone stole my identity and opened the following accounts using my name. Please remove these. Thank you! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$7200.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$11000.00} IXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$4300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$16000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$3700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$6400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$3100.00} IXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$3600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$7200.00} IXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$4800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$8800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$9300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$4600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$3700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$640.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5200.00} XXXX XXXX XXXX
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

In accordance with the Fair Credit reporting act XXXX  XXXX, Has violated my rights. 
15 U.S.C 1681 section 602 A section 2 : it also states a consumer reporting agency can not furnish a account without my Written instructions
Consumer complaint received 2023-05-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (FL)

Multiple deposits and withdrawals came from my account by the way of ATMs. I was not in the same state the deposits and withdrawals took place in. 

XXXX XXXX multiple deposits and withdrawals came from my account. I put in a fraud claim and they handled it and credit my account of {$2800.00}. XX/XX/XXXX the fraud people withdrew that credit of {$2800.00} leaving my account in the negative. 
XX/XX/XXXX a {$7800.00} check was deposited ( the bank agreed that was fraud, but {$8.00} worth of items were bought at a gas station that wasn't me. 
XX/XX/XXXX {$180.00} was withdrawal. 

In the documents attached you're going to see my whereabouts during all these transactions. Even an app called XXXX was tracking my movements for three days ( XXXX XXXX ) stating that I was in Florida. I have a XXXX delivery on XX/XX/XXXX and XX/XX/XXXX showing that I was home in Florida. I have grocery store runs ( XXXX XXXX XXXX ) during the dates of XX/XX/XXXX and XX/XX/XXXX being in Florida. I have video evidence of me going to a cafe on XX/XX/XXXX in Florida. I have XXXX XXXX on XX/XX/XXXX of me being in Florida all day. 

All of those transactions taken place in Georgia was not me.
Consumer complaint received 2023-09-14
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: Experian Information Solutions Inc. (FL)

I submitted my dispute on XX/XX/2023, to Experian. However, the credit bureau said they had completed their investigation, and everything was verified as 100 % accurate. 
According to the law 15 U.S. Code section 1681a Definitions ; rules of construction.

( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

I respectfully request for Experian to detail who they talk to.

Additionally, how did the Experian investigator complete this investigation?
Consumer complaint received 2023-03-15
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. (CA)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Trans union and XXXX credit bureaus have been sent countless correspondence via phone and email regarding the inaccuracies on my credit report, yet they continue to report fraudulent accounts as opened. I have called both both credit bureaus and a couple of debt collection companies regarding these fraudulent accounts asking them for the usual verification, debriefing them about the accounts being open fraudulently, yet they continue to report them as open. I have issued these violators cease orders, yet they continued their attempt to collect. 

Below are a list of the companies in violation : Trans union : XXXX XXXX XXXX- {$130.00}, no verification of any kind of debt, cease and desist order, continues to inaccurately report fraudulent accounts. 

XXXX : XXXXXXXX XXXX XXXX XXXX- {$3300.00}, cease and desist notice, inaccurately reporting a fraudulent account. 

XXXX XXXX XXXX XXXX {$1400.00}, cease and desist notice, inaccurately reporting a fraudulent account.
Consumer complaint received 2022-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the credit bureaus was dated XX/XX/XXXX ; but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-14
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Credit Card Receivables Fund Incorporated (TX)

Unifund LLC, sent numerous letters to two of my previous addresses in an attempt to collect a debt. The addresses that where used at the time, were no longer my residence which did not allow me to know that they had purchased a debt and where attempting to collect on it. They without me knowing filed a citation to summon me to court in which my correct address was then used, and I was made aware of the issue. I was blind sided by this ordeal and had no other option but to go to court without representation due to only having 14 days to respond. While in court I was ordered to pay Unifund LLC, XXXX, because they stated they had reached out to me multiple times, in an attempt to collect said debt, but the truth of the matter is I was unaware that Unifund LLC, even existed much less I owed them money! In the reply to my first complaint a representative states that " I insinuated they had not served me a summons '', that is not what I referred to, instead I was referring to the fact I had not been informed of a debt they were trying to collect prior to them taking legal action. Without properly being informed I was unable to make any accommodations, review any of the alleged information, or even speak to Unifund LLC, about what was going on. Every letter they sent from Unifund LLC, has previous addresses on them which made it impossible to be aware of what was being alleged, or sought after. All the documents I reviewed from Unifund LLC, either has XXXX XXXX XXXX on it, or XXXX XXXX XXXX on it. Also in the provided documents it shows the " debt '' to be sold on XXXX which is just a little less than a year, that I had been living in my current residence, as I had moved there in XXXX of XXXXXXXX
Consumer complaint received 2023-09-14
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: TRANSWORLD SYSTEMS INC (AL)

In XX/XX/2023 I received a notice on my credit report that a debt collector by the name of TransWorld Systems Inc reported to XXXX that I had a past due balance of {$530.00} owed to XXXX. I have never had any agreements or business with XXXX or Transworld Systems Inc. I have never received any notices from either company in regards to the matter. I have tried to contact Transoworld Systems Inc with no success. I have contacted XXXX and spoke to a representative by the name of XXXX ( Customer Care ID number XXXX ) on XXXX who confirmed that I do not and have never had an account with XXXX however could not provide me with a verification letter. I have filed a report with the FTC regarding the XXXX and Transworld Systems Inc ( ref report number XXXX ). On XXXX I spoke to representative from XXXX by the name of XXXX and asked what information was used to verify this false account that I had disputed and she informed me that she could not give out that information but that I would have to contact XXXX  or Transworld Systems Inc for that information. 

I am requesting that the information used in the investigation be provided to me or removed from my credit report under 15 USC 1681a2 as I have not given written permission or have any agreements to have the accounts in question furnished to my reports.
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Southwest Credit Systems, L.P. (AR)

SOUTHWEST CREDIT SYSTEMS Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$250.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX XXXX {$250.00} Balance Updated XX/XX/XXXX this is affectting my score and has caused it to drop.
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

Equifax violated the Fair Credit Reporting Act due to improper use of my Equifax credit report for purposes not allowed by law, due to failing to uphold the obligation to remove from my Equifax credit report any accounts placed for collection or charged to profit and loss which antedate the report by more than seven years, per [ 15 U.S.C. 1681c ( a ) ( 4 ) ] and [ 15 U.S.C. 1681c ( a ) ( 5 ) ].

Equifax failed to uphold the duty to remove both accounts from my Equifax credit report : DEPT OF ED/XXXX  ( XXXX XX/XX/XXXX ) and DEPT OF EDXXXX  ( Opened XX/XX/XXXX ) which per [ 15 U.S.C. 1681c ( a ) ( 4 ) ] Equifax held a duty to remove both after the date of XX/XX/XXXX at the latestas both accounts are now nine years and eleven months oldand so, are too old to still be reflected in my Equifax credit report, and per [ 15 U.S.C. 1681c ( a ) ( 4 ) ] and [ 15 U.S.C. 1681c ( a ) ( 5 ) ] of the Fair Credit Reporting Act, shall be removed from the Equifax credit report, due to both DEPT OF XXXX accounts that were opened in XXXX of XXXX antedating the Equifax credit report by over seven years. 

This complaint is an effort for Equifax to be compelled to remove all accounts that antedate seven years from my Equifax credit report.
Consumer complaint received 2023-09-15
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I am blocked access to my account with no notice. When I try to login to my account they show a message to call XXXX XXXX XXXX XXXX XXXXXXXX that no one answers. Called that number at least 10 times in the last 45 days, it always goes to an automated attendant with no option to reach a human agent.
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (DC)

I was finally able to get on XXXX XXXX and saw that my score was negative as I am beginning to buy a house. I see that a ton of loans were taken out in my name that were not mine. I have listed them below and on the police report. 

The accounts are : Someone stole my identity and opened the following accounts using my name. Please remove these. Thank you! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$7200.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$11000.00} IXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$16000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$3700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$6400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-09
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: EQUIFAX, INC. (TX)

To update this suspicious information, I sent a letter to the three credit bureaus. I believe that this account has not been verified in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I shall take legal action against you for this. This was previously incorporated into my last COMPLAINT, and I'm including it once more. XXXX XXXX Balance : {$43000.00}
Consumer complaint received 2023-09-15
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: Bread Financial Holdings, Inc. (CA)

My credit report is showing late payments to Comenity Bank/Expres XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or Comenity Bank 's customer service representative.
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

Just checking in about the issue I had with my identity being stolen. I wanted to mention something called FCRA Section 605B, which is part of 15 U.S.C. 1681c-1. This section basically says that Credit Reporting Agencies have to get rid of and prevent the inclusion of any stuff that's in an identity theft report. I've sent over some documents to help out with blocking and removing those inquiries that popped up on my credit report. Below is a list of those unauthorized inquiries that showed up in my credit history : XXXX : XXXX XXXX XXXX XXXX XXXX EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

XXXX and Transunion are reporting incorrectly a collection in the amount of {$4800.00} on the XXXX XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) I had insurance coverage at the time and went to an in-network provider. This charge is in error and was covered. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Just checking in about the issue I had with my identity being stolen. I wanted to mention something called FCRA Section 605B, which is part of 15 U.S.C. 1681c-1. This section basically says that Credit Reporting Agencies have to get rid of and prevent the inclusion of any stuff that's in an identity theft report. I've sent over some documents to help out with blocking and removing those inquiries that popped up on my credit report. Below is a list of those unauthorized inquiries that showed up in my credit history : XXXX : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX : XXXXXXXX XXXX XXXXXX/XX/XXXX TRANSUNION : XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-09-14
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Bread Financial Holdings, Inc. (CA)

The complaint is against the company Comenity Bank/ Breadfinacal Overstock store credit card. I received an email that the account was past due. I tried to look up the history of auditing the Overstock account but was unsuccessful in gaining internet access and customer service to help gain information. I paid the card off. I was unable to gain online access and can not access the account to view the problem and resolve the issue. I do not believe I owe Overstock. I returned a light, but the return was never credited to the credit account but transverse to an in-store gift card to use on purchases that I did not authorize. The merchandise return should have been credited to the credit account, so now I am stuck with a card I do not need, XXXX, nor authorized. I paid Overstock on XX/XX/2023 not to acquire if I own interest. I paid XXXX, but I spoke to customer service. I will not pay another dime until I can audit and match transactions charged to the account. I request online access, a billing statement, and a re-issuance of the card to obtain the account number for online access. Problem : I need an account number to access the account and forgot the password. I have a username, but the system does not recognize to gain internet access using the reset password.