davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-23
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: AMERICAN EXPRESS COMPANY (NV)

Complaint summary : On XXXX XXXX, I paid in FULL the amount of {$530.00} for per day care services for my pet dog. 
Start date : XXXX XXXX End date or good through XXXX year. 

Issue : On XX/XX/21, XXXX XXXX  ( XXXX XXXX, NV ) company notified me via email, that theyre filing bankruptcy and going out of business and will NOT refund the monies paid for services already paid for but not yet rendered. 

MY Actions taken in an attempt for resolution : XXXX : Called AMEX and they refused both to initiate a Dispute/Fraud claim or to credit to the account as they claim this case falls under subscription services but the argument here remains as outlined below- services PAID IN FULL but NOT rendered. 
Supporting evidence attached/included : XXXX call to Amex XXXX Amex Feedback request to me XXXX Merchant email to me notifying clients of Business Closure ( merchant refused to answer phones ) XXXX : Merchant notice of business paused ; advising clients that they were paused but would reopen. Note : but the merchant did NOT reopen, and instead, notified their clients of their permanent closure XXXX XXXXays later on XXXX XXXX : Merchant notice of Paused Business from Merchant Website Applicable regulations : XXXX  The merchant knowingly engaged their customers such as myself in Unfair and Deceptive Acts and practices XXXX XXXX  ) for bait and switch in charging and receiving funds or payment without services rendered or merchandise received, which is interrelated with XXXX XXXX for billable dispute. 

Desired resolution : Reopen this CFPB Complaint ; Original CFPB Case : # XXXX Reforward this case to AMEX XXXX XXXX AMEX XXXX XXXX XXXX XXXX Pull/listen to the call between myself and your frontline Customer Service Agent dated XXXX XXXX 
XXXX This is an Amex credit card therefore I am not protected by traditional XXXX XXXX XXXX  guidelines so please kindly peruse this clearly outlined case in its entirety and champion a win on my behalf with the below resolution. 
Issue Full refund back to my credit card totaling {$530.00}, pursuant to the XXXX  above. 

Next steps : In filing this Federal complaint with your CFPB portal, I have taken similar action with the XXXX XXXX XXXX XXXX XXXX XXXX, the Nevada  Office of the Attorney General, and am prepared to share this story of consumer fraud/scam with the Local channel XXXX Action news to shed light and awareness to other innocent consumers.
Consumer complaint received 2020-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Bread Financial Holdings, Inc. (TX)

I have unauthorized inquiries on my credit report that I did not do, I wrote all 3 credit bureaus they requested me to contact consumer the consumer state they can not locate a Credit inquiry from me and want asst with removal.
Consumer complaint received 2022-01-19
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. (MA)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2021-11-23
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)

The purpose of this complaint is the let the CFPB know that Experian and XXXX have violated my right under FRCA and Fair credit and billing act. I have sent numerous letter by certified mail requesting full validation and the creditor right to collect on these XXXX accounts that I have no knowledge of the XXXX name accounts are XXXX XXXX XXXX Account number XXXX and XXXX XXXX XXXX  Account number XXXX. Please ask the bureaus to send the requested info as I have the right to know under these two laws
Consumer complaint received 2021-11-23
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)

The purpose of this complaint is the let the CFPB know that XXXX and TransUnion have violated my right under FRCA and Fair credit and billing act. I have sent numerous letter by certified mail requesting full validation and the creditor right to collect on these XXXX accounts that I have no knowledge of the XXXX name accounts are XXXX XXXX XXXX Account number XXXX and XXXX XXXX XXXX Account number XXXX. Please ask the bureaus to send the requested info as I have the right to know under these two laws
Consumer complaint received 2018-03-01
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)

A few months ago I found out that there had been three hard inquiries added to my credit file. I didn't recognize the companies nor had I authorized them to run my credit. I mailed a letter to Transunion over 30 days ago and have not heard back from them. These are the three companies involved that Transunion shows have reported hard inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX
Consumer complaint received 2024-06-05
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SinglePoint GI (VA)

I am aware I have a debt to XXXX XXXX XXXX  for the amount of {$9600.00} XXXX XXXX sent this debt to a Debt Collector in XXXX. The name of the Debt Collector is XXXX XXXX XXXX. Because of the high amount being owed, I did not pay the bill, trying to find jobs in order to satisfy this debt. XXXX XXXX XXXX promised to offer payment plans once I found my job. I was recently out of school and XXXX. 

Without my knowledge, XXXX XXXX XXXX, sent the same bill to GENERAL REVENUE CORPORATION COLLECTION AGENCY. I did not received a letter advising me of this transfer from XXXX XXXX XXXX. The only communication I received from General Revenue Corporation, was an e-mail to my Personal E-MAIL. I opened the email on XX/XX/XXXX which is after the day they offered me to dispute the debt which was XX/XX/XXXX. I did not receive any communication via XXXX or calls. 

When I opened the email from GENERAL REVENUE CORPORATION to my surprise the amount they are billing me is now {$11000.00}. I called them to ask them why they have my a c count when the original Debt Collector was XXXX XXXX XXXX and they refused to provide information. I asked about detail disclosure of their fee of {$2100.00} and they refused to provide, simple stating it was a flat fee. 

I was never aware my debt to XXXX XXXX was sold to a different collection Agency. Per my call to XXXX XXXX they advised they no longer do any business with XXXX XXXX, but I was not aware. XXXX XXXX, also said, they could not remove the additional fees from the new collection agency, unless the account was sent back to them. 

I am in a position to pay the full amount owed to XXXX XXXX, ONLY. I should not be liable for the lack of communication between XXXX XXXX and their new contracted Collection Agency.

A quick search on the internet, will tell you they are unprofessional, rude and perform unethical collection tactics. 

https : //www.consumeraffairs.com/debt/general_revenue_corp.html
Consumer complaint received 2022-01-19
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. (IL)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2021-11-23
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 — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.
Consumer complaint received 2021-11-23
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: EQUIFAX, INC. (AZ)

I have the following problems that need to be investigated, previous addresses that are not mine and my NAME is totally wrong and an account that is not mine, a letter is enclosed that explains everything
Consumer complaint received 2024-06-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (IL)

I have reached out to them multiple times since XXXX asking for information about it. I have provided with them the original letter from XXXX XXXX dated XXXX stating that this account was open fraudently, but yet LVNV Funding is has pursued reimbursement of this all the way to the point of wage garnishment. 


I appealed the of LVNV in XX/XX/XXXX and they provided them with all the items they requested, police report, original letter from XXXX XXXX, and they denied the appeal stating the reason was I was served w/notice. What does being served with notice have to do with the original creditor officially saying it is fraud and I am not responsible. 
They are just muddy the water.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A. (WA)

I am the victim of identity theft, discovered on XX/XX/year>. I recently filed a claim against Macys Fraud Investigation Department on XX/XX/year> after making countless attempts to get my fraud charges disputed and dismissed. I received an answer from Macys on XX/XX/year> stating that they had determined both fraudulent charges ( {$1000.00} and {$810.00} ) were fraudulent and were removing them, and that they would be reporting this to the credit reporting agencies. 
I just received another letter from Macys dated XX/XX/year> stating that they are now holding me responsible for the 2nd fraudulent charge, late fees and interest totaling {$920.00}. They state that they have conducted their investigation using information that I provided and it wasn't enough information to support my claim.

MY IDENTITY WAS STOLEN, I have a police report, I provided them with the timeline of ALL of my communications with Macys and a copy of the flyer that the sheriff 's office made public to help find the woman that stole my identity. I have had to get a lawyer involved because this has harmed my credit, my health and my general life due to all the added stress of dealing with the incompetence and lack of empathy from Macys. Now, after being told that they used the information I sent them to prove the fraudulent charges were in fact fraud, and receiving a letter from Macys stating that it DID prove the fraud charges on my account, I'm now being told they are going to hold me responsible for one of the fraud charges. This is absolutely unconscionable that they continue to harass me, attempting to collect a debt that is NOT mine, and continuing to destroy the credit that I have worked my whole life to keep exceptional. 
I want Macys held accountable for their egregious actions.
Consumer complaint received 2021-11-23
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

XXXX XXXX XXXX is harassing me, violating my consumer protection rights and claiming that i owe an alleged debt. They are ruing my character and reputation via mail, phone calls and emails displaying their letterhead and company name while claiming i owe an alleged obligation, these are multiple violations of my consumer rights pursuing to XXXX and the XXXX.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: CREDIT ACCEPTANCE CORPORATION (MI)

I contacted Credit Acceptance by certified mail requesting to send me all original documents of account number XXXX after noticing information that is being report that should not be. They told me that everything that they are reporting was in the contract that the consumer signed but after asking for the documents they have not responded in over 30 days to get this resolved. This has cause a lot of damage to my credit and time. I ask them to send me every party involved in the contract but they refused to tell me anything about what they are doing on my credit report. Their practices are not aligning with the law. There are many violations that has caught my attention due to their reporting practices, also violations with the affiliated dealership in a credit transaction. This is the second time Credit Acceptance has failed to respond to my investigation. There was a discharge letter sent the first time they failed to respond to my letter, but they sent a letter back saying the account will remain open after looking into the account file. I responded with a request of the documents and they have fail to respond again within 30 days and did not receive the return receipt from the last letter but it was delivered.
Consumer complaint received 2021-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

We kindly requested MANY TIMES to update my negative credit reporting to the agencies. 
XX/XX/XXXX And XX/XX/XXXX XXXX can attached the bank statements where the payments were made on time! 
During this PANDEMIC PERIOD I tried to explain my hardship situation to the different SPS customer services agents and different letters I sent and Only received the notification of received general acknowledgments From XXXX XXXX, and XXXX Beside that I paid the amounts to qualify for the deferral agreement which was signed until XXXX.
Consumer complaint received 2021-11-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (OH)

My name is XXXX XXXX. Chase bank has been holding my funds from a deposited check for almost XXXX business days. I deposited the check on XX/XX/XXXX. They informed me the funds will be available on XX/XX/XXXX. That is an unreasonable amount of time. I called the company, and they redirected XXXX times for a total of XXXX hours. I still have yet to receive a resolution.
Consumer complaint received 2021-11-23
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: LEXISNEXIS (TX)

On XXXX I XXXX XXXX sent a letter saying there are wrong and unknown things on my credit report involving Lexis Nexis. It has been over 30 days later I have not received a response yet. I feel like I am being wrongly treated, ignored of my disputes, as well as having my Privacy violated under 15 U.S. Code 16 81 ( A ) ( 4 ) due to the items being reported. I believe failure to look into these items within 30 days gives a reason to quickly remove those items from my lexis nexis/credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be delete immediately or I will file for a case due to the stress you caused me. There is a FTC report as well due to My information also being impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-11-23
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (PA)

XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section XXXX ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-11-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY (MT)

On Tuesday, XX/XX/XXXX at XXXX pm I received a text message from XXXX XXXX fraud alerts asking if I authorized a {$2000.00} XXXX transfer. I immediately responded No. see below : XXXX ( XXXX ) XXXX Text Message Tuesday XXXX PM Free Msg-XXXX XXXX XXXX Fraud Alert-Did You AttempXXXX To Do A XXXX Transfer For The Amount Of {$2000.00} Reply YES or NO Or XXXX To Decline Fraud Alerts No Thank for your confirmation case id # XXXX Seconds later I got a call from XXXX which is XXXX XXXX customer service so I immediately answered. The guy ( I cant remember his first name but last name was XXXX XXXX said he was calling with XXXX XXXX XXXX XXXX on a recorded line. He said there was an attempted {$2000.00} XXXX transfer to an XXXX XXXX. I said I had no idea who that was and did not complete that transfer. He said to reverse it I had to add myself as a recipient on XXXX with my name and phone number and redo the attempted transactions. He had me send myself {$1000.00}. Than {$1000.00} again. Than {$800.00} which declined because my funds were depleted. Than the call dropped. I received these text messages : Text Message Tuesday XXXX PM TD Bank XXXX WON'T CALL for this XXXX code, Enter : 635606. Don't share! Reply HELP for help, STOP to end msgs. Msg & Data rates apply. Send Money with XXXX message from TD Bank @ XXXX. XXXX XXXX sent you {$1000.00}. We'Il deposit this Send Money with XXXX payment to your TD Bank account. Reply HELP for help. Reply STOP to cancel. Msg & Data rates may apply. Send Money with XXXX message from TD Bank @ XXXX. XXXX XXXX sent you {$1000.00}. We'Il deposit this Send Money with XXXX payment to your TD Bank account. Reply HELP for help. Reply STOP to cancel. Msg & Data rates may apply. Text Message I immediately called back XXXX XXXX at XXXX and filed XXXX fraud claims realizing I had been scammed. XXXX XXXX has since denied my claims. Since TD Bank was the receiving financial institution I have to file with them. However since I do not bank with TD bank they wont do anything for me. So this is my last attempt at fighting this. All my money is gone and Im broke. Please help.
Consumer complaint received 2021-11-23
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. (WA)

I filed a credit card dispute with Chase Bank on XX/XX/2021 regarding an improper charge from XXXX XXXX XXXX for services rendered. My dispute involved poor quality goods and services provided as well as fraudulent and deceptive business practices employed by XXXX XXXX. A decision was issued on XX/XX/2021 by Chase Bank stating that they considered the disputed charges valid. As a result, a charge of {$1900.00} was re-billed to my credit card account. I then sent correspondence on XX/XX/2021 stating that I wanted to continue the dispute and that I was requesting a re-dispute of the charges. On XX/XX/2021, I received notice from Chase Bank that my dispute was continued and that they were researching the issue. To date, it has now been over XXXX billing cycles and over XXXX days since I received any correspondence from Chase Bank. In addition, the dispute remains open and the charges to include any associated interest and finance charges remain on my credit card account. Per FTC XXXX XXXX XXXX and the XXXX, disputes must be resolved within XXXX billing cycles and or no more than 90 days. This is a clear violation.
Consumer complaint received 2024-04-29
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have initiated an international wire from Bank Of America XXXX XXXX XXXX  XXXX XXXX on XX/XX/XXXX. The wire was never delivered. Contacted BofA several times where they could not tell ne where is the money. I have requested a tracking for the money where they never got back to me. And when I called I was told that the wire was complete. 
Now it has been since XX/XX/XXXX and the money was never received in XXXX.