davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Reached out to XXXX XXXX XXXX about amending the credit reporting to our Transunion accounts. They informed us to call Transunion. When we called we were told that the account was deleted, and only the mortgage company could reinstate the account. We have been corresponding with the mortgage company since XX/XX/2021, and now its XXXX. Nothing has been fixed we received several letters from XXXX stating that they are reporting as recently as XX/XX/2021. But I would really like to know how they are reporting to a deleted account.
Consumer complaint received 2021-09-30
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Consumer Adjustment Company Incorporated (FL)

On XX/XX/XXXX I checked my credit and saw accounts from consumer adjustment from XXXX XXXX for {$1400.00}. 

I contacted XXXX XXXX XXXX XXXX and they said they do not have any record for {$1400.00}. They stated they have Financial assistance forms for me on file and there would have never been a bill generated for my service in XX/XX/2016. They told me the fee might be associated with the doctor, XXXX XXXX. 

I contacted the numbers associated with XXXX XXXX private practice and was told the doctor retired, the office is closed and the debt is invalid. They told me to contact the collections agency and tell them Im not responsible.

I contacted consumer adjustment and told them the account doesnt exist. And even if it did, its a HIPPA act, which guarantees my medical records including costs associated with services are protected by my right to privacy. 

I also let them know I never received any correspondence about this debt and it should need deleted. They rep stated the documents were sent to an address Ive never lived at. I told her I was homeless living in my car and had no address, so not sure where they mailed it but I never received it.
Consumer complaint received 2021-09-30
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. (FL)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.
Consumer complaint received 2022-05-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA (TX)

Regarding an Apple Card account with Goldman Sachs Bank USA. When requesting the address to make overnight courier payments by check, was given the following address by telephone support : Goldman Sachs Bank USA, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX. 

Then I was told that upon receipt of the check by courier ( XXXX XXXX  ), it would take another 7-10 business days to process the check. From the address, it is evident that XXXX is sending to XXXX and then to XXXX, UT, with an interstate routing scheme that appears designed to delay such payments. Thus, XXXX is purposefully making it impossible to accept payments and process them on the day of receipt, even for overnight courier payments by check. I have been doing this same payment for several other XXXX firms today, and all of them credit the payments on the day of receipt. So this arrangement appears specifically designed by XXXX to rob customers of interest and create delayed payments made by check.
Consumer complaint received 2019-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Paramount Recovery Systems, L.P. (FL)

Collection agencies are reporting accounts as if they are new collections, when in fact the original date of delinquency should be 6 or 7 years old. ( medical bills. stemming from a car accident ). 
1 ) Paramount Recovery Opened XX/XX/2019 {$380.00} Original creditor : XXXX XXXX XXXX 2 ) XXXX XXXX XXXX Opened XX/XX/2019 {$820.00} Original creditor : XXXX XXXX XXXX XXXX 3 ) XXXX  XXXX  Opened XX/XX/2019 {$4100.00} Original creditor : XXXX XXXX XXXX 4 ) XXXX  Opened XX/XX/2019 {$1100.00} Original creditor : XXXX XXXX XXXX XXXX 5 ) XXXX XXXX  Opened XX/XX/2019 {$820.00} Original creditor : XXXX XXXX XXXX XXXX 6 ) XXXX  XXXX Reported : XXXX XXXX, 2019 {$460.00} 7 ) XXXX XXXX Opened XX/XX/2019 {$1200.00} Original creditor : XXXX XXXX XXXX XXXX 8 ) XXXX   XXXX XXXX Opened XX/XX/2019 {$1300.00} Original creditor : XXXX XXXX XXXX
Consumer complaint received 2024-04-11
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: CAPITAL ONE FINANCIAL CORPORATION (OH)

Unauthorized Credit Inquiries, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX CAP ONE NA XX/XX/XXXX XXXX XXXX XX/XX/XXXX CAPITAL ONE AUTO FINANCE XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX CAPITAL ONE AUTO FINANCE XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-09-30
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. (CA)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2024-04-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (MI)

On Friday XX/XX/XXXX I transferred the amount of {$200.00} from my XXXX checking account into my Citibank checking account. I attempted to access the funds that same day and was prevented from doing so. 

I called Citibank and asked why this was happening. They said that the account was blocked pending verifying in the form of a reference number sent in a letter. For whatever reason they allowed the transfer of funds into the account to go through despite this block. 

For the last week I have been trying to access my money in the Citibank account and they refuse to permit me to access the funds I had transferred in pending the reference number and letter. 

They have all of my pertinent information. Information I can verify quickly. Yet they are making me wait for the arrival of this letter in the mail rather than sending it through email. 

The fact that they permitted funds to be transferred into the account when it was supposedly blocked from any transactions is to me a sign of fraud. If the account was blocked the transfer should never have been able to go through.
Consumer complaint received 2021-09-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Affirm Holdings, Inc (TX)

I have already sent in proof of full payment of 3 watches bought from XXXX ( VIA Affirm ) to include the safe return of 3 watches that where not the ones I wanted to buy. XXXX has a vast history of sending womans ( smaller less expensive, but closely similar ) watches in the place of buying mens full size watches. Their attempts to send the lower priced merchandise to buyers is rampant and well documented with the XXXX. I intended to buy 6 watches but only purchased 3 due to this shady business practice and therefor my account has been paid in full. Watch brands of XXXX and XXXX where the watches they attempted to switch and bait me with smaller and lessor valued watches in attempt to sell the ones advertised at full price to another consumer to widen profits. ( serial numbers did not match from online advertisement as to what was mailed to me ). 

Affirm has since, reported a collection account and numerous missed payments on my credit report I have spoken with 6 Affirm Managers who all say something and respond differently and sent proof of purchase and payment numerous times to both XXXX and Affirm ( latest email of proof was XX/XX/XXXX ). The " 3rd party '' collection Agency " True Accord '' did receive the collection action and returned it the same day, denying me to make any payment back to Affirm because it was not a valid collection. Affirm has since denied receiving any cancelation and has denied me access resolve this matter. 

I have even went out of my way to offer to pay this erroneous amount of {$3300.00} just to get it off of my credit report and Affirm has denied any attempt to allow me to make any payment. 

I have spoken with 11 Associates, and 6 managers To include a three way discussion with ( Affirm ) and True Accord on ( XXXX ) which an attorney from True Accord stated they sent the account back to Affirm on XXXX and they have nothing to do with this issue. This almost a year ago!!!! 

This circus has gone on long enough with zero attempts by Affirm to resolve this matter in a reasonable time frame. ( 10 months ) This is a violation of my rights according to the FCRA and I would like this complaint to be resolved as soon as possible and my credit report updated as well.. Thank you XXXX XXXX XXXX
Consumer complaint received 2021-09-30
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (AL)

Wells fargo bank has continued take advantage of me as well as others that trusted wells fargo bank to help me and others to becoming financially stable. Now time and time again I told wells fargo that my checks was being direct deposit was being sent to a savings account and not a checking account. And I was not informed of all these hidden fees until the last minute. After going into the branch and having things notarized the bankers didn't tell me about all these hidden fees until now. Now this banking institution is supposed to be a professional institution now I see that it is not a professional institution and now the bankers at wells fargo bank has threatened me by saying that the reason for the call and what the call was supposed to be about and what can wells fargo bank can do for me I told those bankers how this banking institution can help I told them to tell the truth. This is institution is supposed to be a professional institution and me and others has trusted wells fargo bank to help me and others customers and consumers to become financially stable. Even the past bankers of wells fargo bank even has said that wells fargo bank was closing accounts that needed to be closed and was had been fined {$180.00} dollars for opening up XXXX XXXX accounts with out the authorization of the customers and consumers permission.so it's true that wells fargo bank loved to take advantage of people.
Consumer complaint received 2021-09-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BARCLAYS BANK DELAWARE (FL)

I requested a credit card promoted by XXXX XXXX called XXXX XXXX. I was approved and received the card. I sign up for online billing and once I tried setting up a payment method online I was locked out of the system and I am not able to retrieve any information. I have called numerous times and I have held for up to 2 hours and I can never get a hold of anyone. I don't know how much I owe and I need to pay the bill.
Consumer complaint received 2021-09-30
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: CAPITAL ONE FINANCIAL CORPORATION (CO)

I made a purchase in XXXX at XXXX. I split the purchase in 3 different ways as it was a large purchase, I paid by cash, XXXX Mastercard ( {$4800.00} ), and Capital one Mastercard ( {$2000.00} ). In this purchase I paid for an extended warranty. I opened up a dispute against this purchase on XX/XX/XXXX with both Mastercards. I won the dispute with XXXX Mastercard and received the full amount back by check. Capital One NEVER sent me any paperwork to fill out, I called the dispute center and they never mentioned it as well and when 90 days had passed I assumed the matter was resolved in my favor. On XX/XX/XXXX I was rebilled. Which is way past 90 days. I called Capital One after noticing a rebill and they said there was nothing to be done because it was past the 90 day dispute timeframe. 
I didn't receive a letter or communication from Capital One about this case until the end of XXXX ( dated back on XX/XX/XXXX. XXXX ) stating that they received my response ( how can they receive my response when I didn't get anything from them and didn't send anything in? The only info they had was the info from opening the dispute on XX/XX/XXXX. ). I involved my lawyers and they wrote a letter to Capital One asking them to refund the {$2000.00} but Capital One never reached out to me or my lawyer. I called XX/XX/XXXX and talked to XXXX, a manager in the dispute department who confirmed they received my letter from my attorney and said they are not going to refund/ return my money. 
They didn't handle this case correctly and didn't follow the laws and timeframe. I should not be punished for Capital One 's mistake. 
https : XXXX The creditor must acknowledge your complaint, in writing, within 30 days after receiving it, unless the problem has been resolved. The creditor must resolve the dispute within two billing cycles ( but not more than 90 days ) after getting your letter. 

Any creditor who fails to follow the settlement procedure may not collect the amount in dispute, or any related finance charges, up to {$50.00}, even if the bill turns out to be correct. For example, if a creditor acknowledges your complaint in 45 days 15 days too late or takes more than two billing cycles to resolve a dispute, the penalty applies. The penalty also applies if a creditor threatens to report or improperly reports your failure to pay during the dispute period.

The Federal Trade Commission ( FTC ) enforces the FCBA for most creditors except banks. If you think a creditor has violated the FCBA, file a complaint with the FTC. 

You also can sue a creditor who violates the FCBA. If you win, you may be awarded damages, plus twice the amount of any finance charge as long as it's between {$500.00} and {$5000.00}, or higher amounts if a pattern or practice of violations is established. The court also may order the creditor to pay your attorney 's fees and costs.
Consumer complaint received 2021-09-30
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (NV)

My card is has been declined through numerous merchants. Its not working at all. I called the company twice and I was told there was XXXX left on my card. It was declined from numerous merchants it was declined at XXXX XXXX  it kept saying card error and after numerous attempts to swipe the card and I even tried to swipe it at a restaurant a day or 2 ago and the cards not working. I called back and the rude represtatives refused to anything. I went through two different representatives and the one of the representatives kept telling me that she couldn't see any declined transactions and she refused to let me talk to a supervisor. She kept saying that the supervisor was going to say the same thing. She absolutely refused to anything for me. I can't use my money at all. I spoke with 2 different representatives from vanilla gift card.
Consumer complaint received 2021-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I have been disputing this inaccurate account on my credit report with the credit bureaus for XXXX XXXX for some time now. I was told by the credit bureaus to reach out to this creditor about this account which I did. I have sent an initial dispute letter to this company which was delivered on XX/XX/XXXX and here is the tracking to prove it was received XXXX. I asked XXXX XXXX to validate this account and to provide sufficient proof and documents that show this account belongs to me. I have also submitted a complaint against this company on XX/XX/2021 which they have yet to respond to and its been over a month and they have still yet to respond to my complaint and dispute. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. I have also asked the credit bureaus how have they verified this account when XXXX XXXX  has yet to respond to my dispute and prove me with sufficient documents that show who this account belongs to. I was under the impression that if they didn't provide valid sufficient documents pertaining to this account that it would automatically deleted from my credit reports. I am sure there is a law that proves it.
Consumer complaint received 2024-04-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (OH)

I sent them a debt Validation letter in the mail and didn't get a response, so i sent another letter, this time I sent certified mail, and I have proof that it got delivered. This is what i am asking for in my debt validation letter. 
1. Verification of the Debt : Please provide a detailed written statement of the debt, including the original creditors name and contact information. 
2. Proof of Ownership : I request proof that your agency has the legal authority to collect the debt, including a copy of the assignment or purchase agreement from the original creditor. 
3. Full Account History : I would like to receive a complete account history, including all statements and transactions related to the debt. 
4. Copy of the agreement : Kindy provide a copy of the signed contract or agreement, that demonstrates my obligation to pay this debt. 
5. Documentation of your Licensing : Please furnish me with your agencys licensing and registration information, as required by the relevant State and Federal laws
Consumer complaint received 2021-09-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (NV)

XXXX changed credit card companies from XXXX XXXX to XXXX XXXX XXXX. My XXXX  was used to pay a monthly payment of {$14.00}, which I stopped with the XX/XX/2021 billing date. Barclay stated that the XXXX could no longer be used starting on XX/XX/2021. Barclay shows a charge of {$14.00}, dated XX/XX/2021, which was not authorized or made by the merchant. Payments from this merchant have been transferred to XXXX XXXX XXXX. 
I have spent over 10 hours trying to reach Barclay Customer Service and reach a relationship manager. This has proved impossible. There seems no way of reaching them, and I need assistance to resolve this problem.
Consumer complaint received 2021-09-30
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. (MA)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2021-10-01
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: EQUIFAX, INC. (NC)

EQ, XXXX, XXXX, This is a serious matter. 

I am expecting you to act with my authorization to immediately remove and adjust the credit report in my name with entries that do not belong to me at once! 
Please see the attached complaint!
Consumer complaint received 2021-09-30
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AL)

I originally received a phone call stating that my account has been put on hold because of possible fraud activity. The supposedly person on the the phone from USAA stated that a purchase was declined because of suspicious activity. The person on the phone stated that someone in XXXX Florida attempted to buy a 75 inch curved tv. They advised me that they would send a new card out within 3 business days. The following night i started receiving push notifications from my smart phone from the USAA app stating the information on my profile has been changed and updated without my doing or knowledge. I instantly called USAA informing them of what was happening. The USAA representative took notes and walked me through the process of updating my online login information. After my login credentials was updated. I noticed that my information was still being updated without my consent. I called USAA again explaining what was going on. The representative took notes and said that my account was under investigation by the fraud department. Later I noticed that XXXX XXXX dollars ( 000 ) was deposited into my account via mobile deposit, and transferred to a unknown account that was added to my account without my consent. USAA said that after the investigation of the deposit they did not find any fraudulent activity because it looks like I logged in from my account and made the deposit. As I explained over the last few days of events to USAA what was taking place nothing was done to prevent this on their end, USAA has not done anything to assure or protect me as a 8 year member with multiple accounts. Now my account is XXXX plus in the negative when I was just payed today. I am XXXX XXXX XXXX and USAA is my main bank account and bank that has my money. USAA told me today that I am responsible for paying the negative balance and that the fraud case was closed. Even after me explaining as these fraudulent activity was happening due to USAA lack of security and urgency. USAA HAS LET ME DOWN AS A CUSTOMER AND MEMBER. This very situation can effect my credit and ability to provide for my family.