davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-30
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: Bread Financial Holdings, Inc. (MO)

A dog was purchased from XXXX on or about XX/XX/2020. 
After taking the dog to the veterinarian as required by XXXX it was discovered that the dog was sold with a KNOWN congenital defect without any disclosure to us. We were told to return the dog immediately. We contacted XXXX several times without a response in addition to the insurance warranty company supplied by XXXX again to no avail. Multiple emails, phone calls and letters written and all of these have been submitted to MO Attorney General and the XXXX. However, to date XXXX has refused to respond. Contacted Comenity in regards to this from the beginning for fraudulent charges due to product not received as promised. Still to no avail. Contacted the sales representative directly by text message and she reported she would refund the money to the card and a receipt was provided to Comenity. However, to date they refused to credit the account! Something needs to be done to XXXX as after investigating this problem occurs numerous times over and over across the country which is disgusting. The response from the MO ATTORNEY General was that this company always fails to respond- ok why isnt something being done! I have many credit cards with Comenity and have made other larger purchases from XXXX in the past and paid my bill - however I refuse to pay for a service that was not provided and its not ethical to sell an animal with a known congenital defect. The veterinarian wrote a letter in regards since he did the original intake assessment in XX/XX/2020 and yet they still sold the dog to us XX/XX/2020!! I have provided all this documentation to Comenity, XXXX, XXXX Mo attorney general and the warranty company.
Consumer complaint received 2017-08-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Choice Recovery, Inc. (SC)

Date is XX/XX/2011 for an XXXX, contacted XXXX XXXX was referred back to Choice Recovery sent letter the bill was payed under the free clinic was told they could not accept that cause it did not say XXXX .I asked how I could speak to someone at XXXX XXXX they say they ca n't release there client information. Have spoken to XXXX XXXX XXXX and XXXX XXXX XXXX , XXXX XXXX XXXX and XXXX which refers you to the choice recovery then the number for choice recovery XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (CA)

I had tried opening an account with XXXX XXXX XXXX at the beginning of the 2021 year, but was denied because ChexSystems. I had a previous opened account with XXXX XXXX XXXXXXXX and my account was closed immediately, in suspicion of fraud that was not presented by me. I had reached out to XXXX XXXX  XXXX at the time to recover this however they were not willing to help me out whatsoever. I am a victim of fraud but can not gain any help. I called Chexsystems and I gave my personal information and at the very end of the long call I was told I should receive my personal report. But after more than 3 months, I have not received anything at all. I then go to the ChexSystems official site and I fill out the form to request my report, I've done this various of times, and like usual I am directed to a page saying, Error : A security quiz based on the information you provided could not be generated. Please contact ChexSystems to submit your request using another method, '' after submitting my report more than once on different days. This is very unsettling as I have tried requesting my report several times.
Consumer complaint received 2020-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC (TX)

On XXXX XX/XX/2020 I signed up for Lexington Law services. Later that day I found a Lawsuit filed by the CFPB against XXXX XXXX XXXX, and XXXX XXXX, XXXX d/b/a Lexington Law Firm. Since I found this information I cancelled my account and revoked permission for Lexington Law to debit my bank account or credit card. This morning I discover a pending charge on my bank credit card for {$71.00}. this charge was made AFTER I sent a letter indicating this account is to cancelled and received a reply from Mr XXXX XXXX indicating this account was closed. The lawsuit proves the allegation by the CFP. That the individuals named above d/b/a Lexington Law Firm are bilking consumers out of money. I decided I do not want the services if Lexington Law, was told my account was cancelled, and still ended up with a charge " after I revoked consent ''. If possible I would like to join the lawsuit. These people are taking advantage of consumers by stealing funds from them.
Consumer complaint received 2022-10-26
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. (RI)

My name is XXXX XXXX XXXX and I currently have a Macys American Express charge card. On XX/XX/XXXX I was charged {$10000.00}. XXXX without my consent nor approval. My minimum payment was charged on XX/XX/2022. I called immediately after finding my debit card was charged 2 times by Macys and they apologized for the error on their end. They told me it would take up to 8 days until I received credit back to my account. I have my mom taking XXXX and under going XXXX XXXX but this charge took me by surprise. I understood that this was going to be fixed and nothing further was needed. When I took my mother to her appointment 3 days later, to buy her meds and apparatus for my home I find out the another payment was taken out. I called immediately to get the issue resolved and they gave me the same answer. As Im getting ready to refinance my house to make sure I have enough funds to help my mom battle XXXX, again other payment was taken and I was rejected for a refinance. I had to take a loan because Macys took over {$31000.00} in XXXX month and handicapped me to buy her supplies. Im heartbroken that I told my mom to wait until I cleared things up. I have called numerous of times and now I have to continue to wait. I wanted to go to contact the press with this and hire an attorney but I have hopes you guys will make things right. My work check was bounced back, I cant transfer funds to my account because of the huge amounts being taken out, and now I cant refinance my property with this unjust statements showing me in the negatives. This has caused me disciplinary actions at my Job, Im forced to take FMLA due to the time I had to take to settle this issue, my mental health is not there and I dont know why this is happening all at once. Can someone please call me XXXX or email me at XXXX? I wont be back to work until next month because of the FMLA. This is unfair and unjust. My Macys card has AMEX printed in the bottom and Amex would not treat people this way. LAST XXXX of my macys American express card is XXXX.
Consumer complaint received 2017-11-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (CA)

On XX/XX/XXXX, I requested a Reinstatement Demand from my lender Fay Servicing so that I can reinstate my loan to avoid foreclosure. They stated it would take about 5-7 business days to receive the reinstatement in writing. Then I call back today only to be told the request never got put in and they will be putting it in today. This is really hurting me because I plan to take the funds out of my retirement and the only way they can release the funds is to have the reinstatement figures in writing. Now I am facing a foreclosure sale on XX/XX/XXXX and Fay is jeopardizing the loss of my home! They do not understand that this is all a process and I am doing my part.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY (GA)

I sent in for the company to verify the debt which the credit bureau are verifying the debt as mines with no documentation. Ive also been threatened to be sued. They also created false statements on me, repeatedly, phone calls, and harassing me causing hardship to my livelihood none of these accounts are authorized by me, but yet still reporting on my credit I have disputed this several times, and they continue to report inaccurate information
Consumer complaint received 2021-06-30
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

On 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 im being taken advantage of and being ignored of my disputes. Section 611 ( 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 promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-06-30
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bureau of Accounts Control (NY)

XXXX XXXX XXXX, XXXX, Date of Service : XX/XX/XXXX, Amount Due : {$820.00} Debt sent to Bureau Of Accounts Control for collection. 
Derogatory remark placed on my Consumer Credit Report. 

The {$820.00} bill in question is in reference to a XXXX XXXXXXXX XXXX XXXX XXXX XXXX with a date of Injury XX/XX/XXXX and XXXX Case No. : XXXX. The carrier is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Case No. : XXXX. 

Please note that under the law a bill is considered timely if it is sent within 90 days of the last day of the month in which treatment was rendered. Please note that any attempt to collect this debt through a collection agency from the claimant even should XXXX XXXX XXXX XXXX XXXX XXXX XXXX not pay is considered actionable under Section 13-f of the XXXX XXXX XXXX
Consumer complaint received 2020-12-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (MD)

XX/XX/2020 This is in reference to a check sent to Citibank in the amount of {$8300.00}. The check was sent via XXXX  overnight to XXXX XXXX XXXX, XXXX. XXXX, XXXX XXXX XXXX, XXXX, KY XXXX. The tracking number is XXXX. It was delivered on XX/XX/2020 at XXXX XXXX and signed by XXXX XXXX. 

This was to pay off the balance, stated above, on my account. The payment was received and cashed well ahead of my XX/XX/2020 due date. As of the date of this letter, Citibank has failed to promptly post payment to my account. Currently, my account is still in past due status. I have spoken to several representatives with Citibank but this has not established any resolution to the situation. Please see timeline of communication with representatives below. 

XX/XX/2020 Spoke with representative and was told they would launch an investigation to find my check which could take 7 to 10 days. I was told someone would contact me in two days. No one contacted me. 

XX/XX/2020 Spoke with a representative and was told to fax a copy of the cashed check to the Investigation Department at XXXX. One fax was sent by me, and one sent by the institution that issued the check on my behalf Pay To The Order of Citibank. 

Followed up with another representative later that day to verify the fax was received by the Investigation Department. I was told that they could not confirm until Wednesday, XX/XX/2020. It was never confirmed. I was also told that no one would be contacting me with any updates during the investigation. 

XX/XX/2020 Representative on this day worked with her supervisor to find the payment. After giving her the check, routing and account numbers they were able to find my check in their system. I was told it would still be 7-10 days to complete investigation before they could post the payment to my account. 

XX/XX/2020 A representative again confirmed it was noted in their system that the check was found. I was referred to a representative in the customer service department but he did not seem as if he was interested in helping me. Nor did he assist in getting my payment posted to my account. Next, I spoke with a manager who stated that he would submit a request to try and speed up the process. 

XX/XX/2020 Spoke with a representative who told me there has been no movement on resolving this issue with my account. He stated that there would not be any new information until the investigation was completed. 

This whole ordeal has been frustrating and exhausting. There is no need to prolong an investigation when my check has been cashed and confirmed received by Citibank personnel. Which has brought me to the point of contacting the Consumer Financial Protection Bureau for assistance. Any and all assistance you could give me concerning this challenging issue would be greatly appreciated.
Consumer complaint received 2021-06-30
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)

Despite my ongoing efforts for months on end all three credit companies along with the XXXX collection company report negatively to a phone from the phone company who says a received a phone at my porch that never and is now 11 years since it happned. Fraud reports where filed and there should be no reason except extorsion on why these companies decide not to comply with currents FCRA laws that outile cleary the debt is old and should not be resold
Consumer complaint received 2020-12-23
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: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/2018 with a balance of {$0.00} -This is not my account.
Consumer complaint received 2021-06-30
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)

Despite my ongoing efforts for months on end all three credit companies along with the XXXX collection company report negatively to a phone from the phone company who says a received a phone at my porch that never and is now 11 years since it happned. Fraud reports where filed and there should be no reason except extorsion on why these companies decide not to comply with currents FCRA laws that outile cleary the debt is old and should not be resold
Consumer complaint received 2021-06-29
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. (NY)

I sent a letter to Transunion To investigate inaccurate information in my credit report they said was verified accurate Showing that they are not investigating anything A a violation of the credit act Also isnt any signature from my in one of this contracts from acceptance now that I dont recognize. How is verified if is no signature XXXX  XXXX didnt provide this proof either And all this accounts dont match with the last date active In either of the credit bureau agencies There are many FCRA violations And Im tired of complaining and no solution No signature in contracts and how this is verified? 
Anybody could do that contract with acceptance now or XXXX XXXX This Bureaus are not investigating anything
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: College Ave Student Loan Servicing, LLC (FL)

I am not liable for the debt with Collage Ave. I no longer have a contact with College Ave. This is a violation of my privacy and tarnishing my reputa

tion - 5 U.S.C 1681 SECTION 602 A. States I have right to privacy.

15 U.S.C 1681 SECTION 604 A SECTION 2 : It also states a consumer reporting agency can not furnish an account without my written consent. 

This was also reported to the XXXX XXXX XXXX.
Consumer complaint received 2020-12-23
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: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XXXX XXXXXXXX, XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT XXXX. XXXX XXXXXXXX XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account.
Consumer complaint received 2020-12-23
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: Consumer Adjustment Company Incorporated (CA)

I have an account reporting on my credit reports that I do not recognize. 
Apparently it's for an apartment complex. The only issue with that is, I've lived in the same house all my life. I was raised by my grandparents and their house was willed to me. It is impossible that I could have incurred this debt. I have tried unsuccessfully to get the company to prove this debt to be mine and they have not responded at all. 

I was told by my boss to complain here to make them do their due diligence or remove the account. I've been requesting validation or removal for exactly one year now and I'm at my wits end. Please help.
Consumer complaint received 2021-06-30
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

The bureaus have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). I have advised them that under Section 611 ( 5 ) ( A ) of the FCRA They are required to promptly DELETE all information which can not be verified.
Consumer complaint received 2022-10-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Hi there - I was assessed a {$160.00} interest charge on XX/XX/22. Per the card issuer, CapitalOne, this is due to the balance carried between XX/XX/22 and XX/XX/22 ( when the full balance was paid off ). Please note that I had been on a multi-month promotional XXXX XXXX interest that concluded on XX/XX/22. 

I had disputed this charge with CapitalOne because there I received no notification/warning, including in the ( XXXX ) statement, that one must pay down the balance in full by XX/XX/22 to avoid incurring interest. Instead, the statement 's only key date provided was XX/XX/22, the " Payment Due Date ''. While I should understand the terms in full and track the promotional period, CapitalOne bears responsibility for keeping consumers aware of potential upcoming fees, which would involve a simple notification at the top of their billing statement. CapitalOne reviewed my case and said there's nothing they could do on my behalf. 

With the proliferation of XXXX XXXX interest offers, it almost appears as though card companies are banking on consumers missing the program end date and/or misinterpreting the terms so they can charge interest. This practice, while legal, should be frowned upon.