davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-04
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: CITIBANK, N.A. (MN)

Hello, on XX/XX/2018 I purchased an annual movie pass from XXXX XXXX When I purchased the annual movie pass they said the pass would arrive within 2 weeks. Its been 2 months and the pass has never been received. They billed me right away. I have contacted XXXX  3x to get a resolution as to where my pass is. They never responded. I initated a dispute with my credit card company Citicards around early to mid-XXXX. They gave me a conditional credit pending the dispute. About a week later they denied my claim because XXXX provided a rebuttal that the card has a positive AVS-Y result and positive CVV so they denied my claim as it was not considered fraud. Problem is, I never disputed it as fraud. I willingly and knowingly initiated the purchase. The issue is, I can not use the service until I receive the card. Its like buying a pair of shoes online, being charged, and never receiving the shoes in the mail. That's not fraud, that's good not received. Since then, I have contacted Citi via email, written letter and phone calls and have gotten no reoslution as they either ignore me ( email, letter ) or they say its not their department and when they transfer me, I get disconnected. The charge is for {$160.00}. Citi can contact XXXX and see A ) I never received the card in the mail and B ) never used their service. If you XXXX search XXXX XXXX complaints - you'll see numerous upon numerous complaints about this company scamming people. I believe some receive their cards, while others dont which is how this company keeps scamming people. I have also initiated a dispute with XXXX. I uploaded my statement so you can see the charge in question. Any help with this matter would be greatly appreciated. Thank you for your time.
Consumer complaint received 2023-03-23
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc. (TN)

I am having an issue with another prepaid visa gift card rebate. I am getting fraud alerts and am not allowed to spend my own money. This likely correlated to the velocity limit XXXX has put on their cards to combat manufacturing spending I have had this issue before CFPB complaint XXXX which I was able to be paid out via check after contacting XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-03-08
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: EQUIFAX, INC. (DC)

This is XXXX XXXX XXXX who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX
Consumer complaint received 2018-08-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TekCollect Inc. (PA)

I attempted to call, pay off debt and requested letter from Tek-Collect, Inc. I fought out this company never had my new address since moving in XX/XX/XXXX. I called the XXXX XXXX XXXX and fought out Tek-Collect Inc made false statement concerning conversation in XX/XX/XXXX. I was told the company does not accept XXXX card and my checking is with XXXX. This company was making in hard to pay an account open with XXXX   since starting in XX/XX/XXXX when I received product never paid for, which never got in touch with me either. I received service from the hospital, which I worked for since XX/XX/XXXX.
Consumer complaint received 2015-12-31
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (MD)

I had a student loan with XXXX that was sold to AES. Which is when my problems started. I was paying them consistently for a few years then around fall of 2015 I changed something with my bank and forget to set up the payments again. I started getting notifications in the mail and called to request a Forbearance on XXXX XXXX, 2015. The lady on the phone read me a bunch of information and said that I must agree to them then said I was approved for the forbearance. Then in early XXXX I started receiving more phone calls from AES. Today, XXXX XXXX I called AES to see why they are still harassing me. I spoke to XXXX in the Graduate and Professional Services within AES. XXXX said that my forbearance request was never approved or denied and that the person on the phone told me they would be sending me some forms to fill out and sign and that once it was sent out I would have 30 days to return it and then they would tell me if I was approved. I WAS NEVER TOLD ABOUT THIS LETTER TO BE SIGNED AND FILLED OUT AND I WAS TOLD ON XXXX XXXX THAT I WAS APPROVED FOR THE FORBEARANCE. XXXX said they mailed me the forms on XXXX XXXX. On the XXXX of XXXX I was told by XXXX I was 30 days past due on my payments. They have already reported the 30 days past due on my credit report. He would not tell me when they did this. So they basically did n't give me time to even return the forms in 30 days ( the forms that they never told me about in the first place ) before they reported this to the credit bureaus. I did what I was supposed to do and it seems like unless I paid in full they had every intention to ruin my credit. By ruining my credit this prevents me from getting a student loan for my next semester of law school. I also have to maintain good credit to keep my job. This negative report can ruin my life. I 've been paying for years and after 30 days of being late they just put this on my credit and I called before 30 days were up. Please help me.
Consumer complaint received 2018-09-11
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION (TX)

On XX/XX/2018, I was assessed {$100.00} in overdraft fees by Regions Bank due to three checks that were cleared. However, I believe that Regions Bank rearranged the order of the checks so in such a manner that would maximize the fees charged. On XX/XX/2018 I received a direct deposit and I believe that Regions retroactively assessed the overdraft fees.When I checked my balance on XX/XX/2018 I had enough money to clear the checks that were presented. However, on XX/XX/2018 I checked my balance and noticed that the aforementioned fees had been assessed. I believe that Regions Bank cleared the checks on XX/XX/2018, posted them to my account on XX/XX/2018 in order to be able to assess the fees.
Consumer complaint received 2022-03-08
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. (CT)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation 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 2022-03-08
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. (DC)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX
Consumer complaint received 2020-12-16
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)

Equifax is the only credit bureau that shows a hard inquiry yon XX/XX/2019 from XXXX XXXX. After investigating with XXXX XXXX, no application was filed or account opened under my social security number. Equifax needs documentation from you to begin the removal process from my credit report. I suspect this to be an Equifax system error.
Consumer complaint received 2024-02-29
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: EQUIFAX, INC. (SC)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following inquiries need to be removed : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX 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 2022-03-08
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. (DC)

This is XXXX XXXX XXXX who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : US DEPT ED XXXX US DEPT ED XXXX NXXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX
Consumer complaint received 2018-08-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc. (LA)

To whom it may concern I have been having grief with the same companies over and over. I have disputed these debts on numerous occasions and yes they are removed but they are later reinserted, sold to another debt collection agency, with no update on my credit report or proof that I am the owner of these debts from Commonwealth Financial Systems. I have made several calls to the original collector XXXX XXXX XXXX and no one is able to help me or tell me what this is about. They are damaging my credit and reputation substantially without any proof of original contract or signatures from me. The disputes are not even showing on my credit reports and I am aware that my reports should reflect that information. Nor have I received updates from my disputes or original time frame or contract from debt instead after the disputes these accounts are re-aging and that is completely illegal. Also following disputes it seems to me that they are reselling the accounts to someone else after showing removed and then opening again. In addition each time these inquiries are placed back on my credit report I have never received a 5 day reinsertion letter and if there is proof of such letter, please also send to my address. IF not this is yet another violation of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), which states you are required to notify me in writing. I am asking for the last time for this agency furnish original contracts and proof and initial contract dates for all collection accounts they are claiming belongs to me. I will take further legal actions if these accounts are not removed. I have exhausted all my efforts with this company and the games they are playing or illegal. Please review all 3 credit reports to see the removals, re-insertions, and re-aging that is continually happening. I am really doing all I can to get my credit at a good standing but this is really impacting my credit. I was at XXXX and have received. LASTLY, the account number showing is XXXX all this should be visible on my report. Please rectify this.
Consumer complaint received 2023-03-23
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Bread Financial Holdings, Inc. (TX)

I contacted Victoria Secrets ( Commenity Bank ) about making a payment. I made the payment. The payment was not successful. The company did not contact me about the payment. This was reported as a late payment to the credit bureaus.
Consumer complaint received 2018-08-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: DISCOVER BANK (CT)

This is with regard to multiple issues with DiscoverBank. After trying to obtain resolutions from customer service people at call centers approached a different way, letter to the CEO, reported bank to every federal agency out there, now this one. Was contacted by a XXXX XXXX, claiming to be Associate, Executive Advocacy, DiscoverBank, who told me to deal directly with her, she even gave me her direct phone number, informing me there were 8 people in this Executive Advocacy group. Since then, of course can not reach her at all, trying for a week, get message, we are closed, try next business day. Same message when trying to call customer service. WHAT! Have on going IC3s with the FBI, in DC as well as my home state, Connecticut. My banking is becoming ridiculous, opening accounts, closing accounts because of fraud, you name it. Had accounts with XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, to name a few. I have had various accounts my entire life with no issues to report, now, my banking has been an abomination.
Consumer complaint received 2016-10-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Receivables Performance Management, LLC (TX)

I believe I am falsely being charged, my XXXX account was merged with my fianc early this year and is now under his name and my account was closed with any balance remaining transferred to his name. This is not correct. I 've made multiple attempts to contact the company collecting and they never pick up or they hang up on me. I 've read about this company charging many people incorrectly and trying to scam them with small amounts from using phone companies.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 



15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2015-08-17
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: E*TRADE BANK (NV)

I opened a CD account with ETrade Bank on XX/XX/XXXX in the amount of {$1000.00}. I made no further deposits after that date. When I recently checked on the status of the account by phone with ETrade bank they told me they have no record of the account. I have the actual CD in my possession. It shows Account Number # XXXX with a annual renewal term and Interest to be paid Quarterly to the Account balance. After speaking to ETrade and getting nowhere I did some research and found that ETrade had sold their CD accounts to XXXX XXXX on XX/XX/XXXX and that all funds would be transferred to XXXX XXXX beginning XX/XX/XXXX. I contacted XXXX XXXX and they confirmed that ETrade accounts were purchased but when I asked them to research my account they were not able to find it. This account should be worth {$1700.00}. I find it ludicrous that neither ETrade or XXXX XXXX has been able to provide any information regarding this account. I would appreciate any help you can offer to resolve this issue as I could put these funds to good use. Thanks, XXXX
Consumer complaint received 2018-08-04
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (MD)

Attempted to try to resolve problem with Wells Fargo. My home is undervalued by {$100000.00} and has been for 10 years. I have paid approximately {$400000.00} in interest on a {$480000.00} mortgage loan. I am unable to refinance the loan due to no equity in my property. I have been stuck in a 10 year ARM loan with no other options available to me. My mortgage payment has increased 32 % since XX/XX/XXXX when home was purchased while my income decreased by 28 % due to retirement, now living on pension. I have been denied a modification because I received a 2 yr temporary loan reduction in XX/XX/XXXX which expired XX/XX/XXXX. It has been confirmed by Wells Fargo that I expressed concerns about the interest only 10 year ARM mortgage and the temporary status of the loan when notified of the temporary loan. I was lead to believe that I could reapply for new modification upon expiration of the temporary loan reduction only to be told upon reapplying acceptance of the temporary modification rendered me ineligible for future modification. This was a significant term of the conditition of the temporary loan modification and I should have been informed of this as a condition of acceptance of the modification. I have no other options but foreclosure or short sale which, both will require me to vacate my home. I am almost 70 years of age. There should be some assistance for for the elderly.
Consumer complaint received 2018-10-18
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (CA)

I never signed up for Syncrony Financials card security on my Care Credit Card. They have now for the past two months charged me over {$150.00} in card security fees that I never signed up for. It is surpassing my interest its ridiculous and I never opted in nor did I know that I needed to opt out of it. I have emailed them twice. Once on XX/XX/2018 as well as XX/XX/18 that is atrocious and I used this card to help me get myself better at the doctors not at some store getting a manicure.
Consumer complaint received 2023-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C, 1681section 602 A. States I have the 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 instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-08-04
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF NEW YORK MELLON CORPORATION, THE (TX)

I have a mutual fund account in joint tenancy with my father is is XXXX years old and in a nursing home. Three years ago when he was moved to a nursing home I changed his address because he could no longer keep a Post Office Box and I live in another state. Three years ago he signed a Durable Power of Attorney. I changed his legal address to my own address and I handle all of his financial affairs including his tax returns from my address. BNY Mellon as manager of  XXXX XXXX refuses to change his address. They have also blocked all online access to the account. The post office and myself have sent them proper notification. They have refused to issue dividend checks to the new address and now are saying they must turn over the last three years dividends to the unclaimed money fund in their state of operation. They have made changing the address impossible by asking for things that do not exist ( my dad does not have a driver 's license at age XXXX ) and even refused the power of attorney stating they want a new one less than 60 days old verified by a " an authorized officer of an acceptable financial institution '' meaning that there is no one they will allow to verify it because they can not define this terminology. This is essentially extortion because they have set the hurdles so high to change the address that it is impossible to retrieve the money due to myself and my father.