davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-08
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A. (FL)

I made an online order at macys.com on XX/XX/XXXX ( golden necklace, order # XXXX, total amount of the item with the tax and shipping is {$1800.00} ). The purchase was made with Macys credit card. Since it is an expensive item, I chose a paid shipping option, though the free shipping option was available. The order was shown on the XXXX tracking site as delivered on XX/XX/XXXX, but this order was never actually delivered. Macys shipped an expensive item without signature requirement. XXXX shows the package as left with the concierge on XX/XX/2023, but there is no concierge at the building. I informed Macys immediately regarding the missing order, they informed me that they started the investigation. 
On XX/XX/XXXX Macys Customer Service informed me via email that We do show your package is still on its way but was delayed unexpectedly. Please allow us up to 16 days to investigate the location of your order. You will receive an email of the outcome of the review once it has been processed. The email printout is attached. 
I never received the promised response with the outcome of the delayed item ; thus, I followed up and received the response that my request was denied. Ultimately, I am left with a credit card charge of {$1800.00} and I have never received the item. 
The timeframe for this case : XX/XX/2023 order placed on macys.com XX/XX/2023 XXXX shows order as delivered, left with the concierge. 
XX/XX/2023 I informed Macys on the issue via customer service chat. 
XX/XX/2023 I sent an email to Macys customer service, since I never received the response on the investigation that was started via Macys customer service chat. 
XX/XX/2023 Macys customer service sent me an email saying that the package is still on its way but was delayed unexpectedly. ( printout attached ). 
XX/XX/2023 Macys customer service sent me an email saying that the package is still on its way but was delayed unexpectedly. ( printout attached ). 
XX/XX/2023 I submitted a dispute on transaction with Macys credit card,- there is no answer and I assume there will be none since it is the same company XX/XX/2023 I sent an email to Macys customer service to follow up on the investigation. 
XX/XX/2023 - Macys informed me that my case was denied. 
XX/XX/2023 I tried to submit a claim on XXXX website for the non-delivered item, but XXXX informed that only the seller/shipper can submit a claim on that item. I have the printouts proving this, which I can share upon request.
Consumer complaint received 2022-10-17
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. (NY)

I did not authorize nor consent to the following inquiries being furnished on my consumer reports. 

XXXX. XXXX XXXX  ( XXXX, XXXX, 2022 )
Consumer complaint received 2024-04-29
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (AZ)

Discover opened and charged off my card in the same year of 2019 that's fine but it has been on my credit report for XXXX years. Negatively impacting my credit score and chances at my unlimited credit. 
Charged off accounts can not be on my report for several reasons. 
-it is inaccurate reporting once charged off report positively or remove from credit. there is no reason for them to keep reporting negatively on my corporation. that illegal -charged off is a XXXX certificate of indebtness which means it is reporting as income, and income can not be on my report. correct me if I'm wrong, i am not an attorney. it needs to be removed immediately. 

The company was already paid, they are greedy and want to be tendered again, when they received their write off already. 
I want the 1099 B they filed on me too. 

They are so greedy and im sick of it. 

This company already went to court over ATTEMPING to collect on a charged off debt. 

they lost and the judge even said they reject them collecting on a charge off because its a benefit of the tax deduction of bad debt. 

I have suffered injuries as Discover has been reporting falsely on my account to all XXXX reporting agencies. They damaged and ruined my credit by reporting " non payment '' knowing they received a write off. " internal credit " they never reported my account to XXXX
Consumer complaint received 2023-09-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (MO)

I was first off work XXXX under doctors care. Now on retirement XXXX. I pay for my insurance thru pay.gov. Keep reviving notices that you owe more on medical insurance. You call the Treasury about notices 4 or 5 different times. The person you speak to say no you do not owe what letters are saying. That the balance due on their end is XXXX. They letters have said anywhere from over {$700.00} to recent letter from debt collector for XXXX. When talking to Treasury you had small payments request that were paid on time. Every time you have called the amounts on letters didnt match what they had. One time they said they you owe approximately {$36.00}. Which I immediately paid thru XXXX. Another time they saw that I supposedly owed {$47.00} dollars which I immediately paid thru XXXX. Every time I called they did not know why the Treasury dept was sending letter for large amounts. Again they saw zero owes. I was told everything is fine and disregard the letter. Last letter received was notice of a top pay off (? ) again I was told to ignore it as it was not correct. So I have to the best of my ability kept in contact and paid to keep my insurance current. I have receipts and have provided them to treasury multiple times. And they say nothing is owed everything is fine. When I asked why I keep getting letters they say they dont no and give different reasons why they letters were sent in error. Maybe they were sent before adjustments were made etc. 
Monday XX/XX/XXXX  I received a letter from Transworld Systems , Inc. A debt collector. They said total amount of debt now due is {$660.00} I have no idea why this was turned over to debt collector or why I owe this. I have been in constant contact with Treasury. 
Says Treasury Account Number XXXX Treasury Case number XXXX Referred from Bureau of The Fiscal Service XXXX account number is XXXX
Consumer complaint received 2024-04-29
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: Self Financial Inc. (FL)

My complaint is with Self Financial it's a Company that is supposed to improve your credit score credit builder they call it. Well I was supposed to get back XXXX $ after completing all my payments but they took two to three months to credit my prepaid credit card {$320.00} because I completed the payments in XXXX or XXXX of 2023 and I didn't get the credit until XXXX. Well in XXXX I was XXXX  for something they didn't end up prosecuting and I could have posted bail had the money been on the credit card. Instead 21 days and all those hard aching hours XXXX XXXX XXXX XXXX because of self negligence that's # 1 # 2 t only got XXXX $ back in direct deposit when you do the math I only got back XXXX $ where's the rest of my money. I had positive credit until they closed my account for late payment charged my account numerous fees and want me to pay off a card when they won't give me anymore credit no way. I want the rest of my money and I want them to fix their credit reporting to the bueros and I do realize I may have to take them to court to reimburse for my XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (TX)

On XXXX, XXXX XXXX  I received an email from a scammer claiming they were my title company and the email looked completely legitimate telling us how to send wire for our closing cost on a home we were purchasing at the time. After wiring the money and then finding out a few days later that it was a scammer that got the title companys information and our personal information and email and knew exactly what our closing costs were. I then called our our bank Wells Fargo to submit a fraud claim and retrieve our ~ {$8700.00} they told us we had to wait 10 days for the investigation to happen and then we would get out money back. Since then Wells Fargo has not been cooperative and has told us they will not do nothing to get us our money back. 
Reference # XXXX
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

My rights are being violated under the Fair Credit Reporting Act. I am an identity theft victim. Kohls was notified of such. They did not investigate and have refused to assist me with the matter. I have submitted disputes however, they fail to investigate, communicate with me and properly notify me of updates. I recently submitted a dispute via XXXX and Kohls proceeded to add derogatory information to a charged off account. I have attempted to ask this company to assist me with resolving the status of my account because I am a verified identity theft victim. Kohls is RETALIATING against me for asserting my rights as an identity theft victim. I do not understand why I am being penalized as I understood the law were supposed to be designed to assist identity theft victims. I am not the recipient of such assistance.
Consumer complaint received 2022-10-17
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Bridgecrest Acceptance Corporation (NC)

I purchased another vehicle with XXXX and of the loan was again with Bridgecrest. I decided to refinance loan with XXXX. XXXX has sent a payment in the of XXXX. Bridgecrest has posted the amount as XXXX, and has not closed out my loan. They have posted. a balance owed of XXXX for XX/XX/2026. My loan was refinanced and my new payments begin at the end of the month with XXXX. Bridgecrest owes my XXXX and are attempting to hold out the loan to obtain those proceeds. I have contacted an attorney and have attempted contact with the company. Bridgecrest is a fraudulent company. I would like my funds back. I will continue to make known the issues that Bridgecrest have... not a good company.
Consumer complaint received 2023-04-27
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. (CA)

The following accounts are fraudulent. I just got out of XXXX  and these accounts are not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-08
Product: Prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: ADP Inc. (IN)

On XX/XX/23 and XX/XX/23, my new ADP Wisely Pay Card was compromised of {$900.00}. When I learned this on XX/XX/23, I contacted Wisely immediately. They canceled my card, said I should see a provisional credit in a few days, and that they would begin an investigation. The actual card is always with me, and never shared or used by anyone. I live alone. 

Since then, I have called multiple times, only to speak with people I can not understand ( broken English ) and be given a different answer. I have tried to be understanding. 

It has been 8 days. This morning I called again asking for a status. The answer today was that they sent a letter via US Mail and I have to sign it, then return via US Mail. We all know mail is delayed around the holidays, so of course I have not received a letter ( or a replacement card that I understand costs {$30.00} ). 

Once they have a signed letter ( not sure what it says ), they will consider a provisional credit, and it could be up to 45 days. I asked for a supervisor who again, I could not understand well. When I became frustrated and asked for a second level supervisor, she advised me there is nobody higher than her. Her name is XXXX. Later in the conversation, when I asked if she is the CEO, and if not, to provide me with HER supervisors ' name, she refused to do so. 

My career was in Finance, and I am a part time employee, recent widow, and I'm XXXX XXXX XXXX. I understand business processes in Finance. I understand banking. I'm not stupid and I'm not wealthy, nor am I in a position to lose {$900.00}. I don't expect special treatment from Wisely. I do expect them to follow the law, speak clear XXXX to their customers, and to not sit on my {$900.00} for 45 or more days. I expect an answer, and it is my right, so I thought. I had to pay half of my rent via credit card with a 21 % interest rate. I will obviously not have the opportunity to buy XXXX presents for my grandchildren. What shall I tell them?
Consumer complaint received 2023-04-27
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. (CA)

The following inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports. No consent is fraud. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-29
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Checkr, Inc (PA)

I asked the company to clarify the Pennsylvania hiring laws with XXXX because XXXX has suspended my hire indefinitely until they can decide what is going on with Pennsylvania charges which is illegal while my charges are in pending status I asked that checkr stopped reporting to XXXX to consider all my pending charges I asked that they only report conviction which I have no misdemeanors or felony convictions so their would be nothing to report I also showed XXXX directly from their site they also follow city to city and state to state hiring laws because they said it vary on their website and Checkr website also say they follow Pennsylvania hiring laws so Im asking they do not report anything on me that will keep me not working until the status has reached a verdict in court. I also attached XXXX and checkr laws directly from their site since they both operate publicly and privately in the state of Pennsylvania
Consumer complaint received 2023-03-17
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MO)

I disputed incorrect reporting on my credit report and did not receive a timely response. Please remove incorrect report on my report immediately. The incorrect reporting is hurting me severely.
Consumer complaint received 2023-11-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (GA)

XXXX XXXX XXXX  reached out to me due to accounts taken in someones name similar to mine. The last 4 of SSN on this account does not match my SSN. The address used for the accounts also dont match what I had on my report. But somehow its reporting on my Credit profile. The original creditors are not listed under my creditors on my profile. So I dont know how this collection company can add a collections to my profile when the original creditors are not associated with my profile. 
On XX/XX/XXXX XXXX collection balances for {$410.00} and {$580.00}, original creditors Comenity Bank was added to my account. I called the original creditor and the only account they had for me tied to my name and SSN is my Ulta account. Which is current.
Consumer complaint received 2023-06-08
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (GA)

I am currently working with HAF to help pay my mortgage. They told me that they would agree to pay whats is due on the account as long as it does not succeed {$50000.00}. HAF has been requesting paperwork from US BANK for months now and US BANK is not sending the required info through the correct portal. This isnt the first time I had a " paperwork issue '' with this mortgage company. prior to, we agreed on a loan modification agreement, I turned in the required paper work and made the first payment, and then out of no where they told me it was invalid even though I had both signatures required and made a first payment to that agreement that successfully went through. They did send me back the money I paid only after I told them what they were doing was illegal because we had already came to an agreement. Now they are basically refusing to send in the paperwork correctly in order for HAF to process payments because my home has alot of equity in it. They also put my home back on active foreclosure even though, they are the reason why this process is taking as long as it is because they have been sending the paperwork incorrectly. Please help me! HAF has agreed to pay what was owed plus 3 months. USBANK Mortgage has been trying to prevent me from receiving the help that is being offered through the HAF program the same way they refused the already signed, agreed, and payment after I made them aware that what they are doing is illegal.
Consumer complaint received 2023-01-04
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

On XX/XX/2021 I was given false and deceptive information, as I was informed that a down payment of {$2500.00} was needed for me to drive off the lot. I was never told I had 3 days/years to rescind the agreement. Neither was I given the notice that comes along with all consumer credit transactions. Furthermore, XXXX XXXX XXXX failed to clearly & conspicuously disclose all of my rights as a consumer including but not limited to my right of rescission.
Consumer complaint received 2023-11-10
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: John C. Heath, Attorney at Law, PLLC (TX)

On XXXX XX/XX/2023, I signed up for credit repair services with Lexington Law, and agreed to be billed $ XXXX for said services. 

I paid an initial account setup/access fee, and then was billed for what I believed was the first month of service on XXXX XX/XX/2023. It was my belief that in paying a monthly rate for services rendered, this payment covered services from XXXX XXXX to XXXX XX/XX/2023. 

On XXXX XX/XX/2023, I called Lexington Law 's call center and requested cancellation of the account prior to my next billing date of XXXX XX/XX/2023. I was informed at that time that my payment on XXXX XXXX was actually a " fee, '' rather than a charge for services rendered for the month, and that my first payment for services actually rendered was not charged until XXXX XX/XX/2023 ( date following the month of service ). In Lexington Law 's opinion, I still owed them for services rendered between XXXX XXXX to XXXX XX/XX/2023. 

I believe that the use of an initial " fee '' that appears to be the same charge as a monthly payment for services rendered is fraudulent and misleading.
Consumer complaint received 2022-10-18
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (IL)

Currently I am being charged late payments during COVIXXXX forbearance period, It has been documented that XXXX XXXX  committed fraud by misleading students such as myself. I have disputed the account on my credit report which carries a balance of {$15000.00} and 28 late payments as of XXXX XXXX. 
After a review of voluminous amounts of evidence, the Department found that from XXXX to XXXX XXXX repeatedly misled prospective students across the country with claims that 90 percent of XXXX graduates who actively seek employment obtained jobs in their field of study within six months of graduation. This claim was the foundation of a national advertising campaign called, XXXX XXXX XXXX XXXX to brand XXXX  as a XXXX XXXX University where it used the 90 percent placement statistic as the way to convince prospective students to enroll. 

In fact, the institutions actual job placement rate was around 58 percent. The Department found that more than half of the jobs included in the claimed 90 percent placement rate were held by students who obtained them well before graduating from XXXX and often before they even enrolled. These jobs were not attributable to a XXXX education and their inclusion was contrary to the plain language of the 90 percent claim. Moreover, XXXX excluded from its calculation large numbers of graduates who were in fact actively looking for work simply because they did not conduct a search in the manner that the XXXX XXXX XXXX department preferred. 

The Department also found that senior XXXX officials knew of the problems with the 90 percent statistic for years, in part due to concerns about its accuracy raised by alumni. 

In XXXX, the FTC reached a {$100.00} XXXX settlement with XXXX around similar allegations. The Department also reached a settlement with XXXX related to older job placement rate statistics in XXXX. The attorneys general of New York and Massachusetts also reached agreements with XXXX in XXXX to resolve allegations of misleading job placement rates.