davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-26
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. (FL)

On XX/XX/2022 i purchased a XXXX XXXX from XXXX XXXX in XXXX, Fl ( XXXX XXXX ). After leaving the store my XXXX and family stated looking at the watch. And we felt that this watch was not new or a real XXXX. We went back into the store to return the watch. This was about 45 minutes from the time we purchased the watch. The behind the counter told use that she can't return it we have to talk to the owner and he left for the day and come XXXX Monday. we don't leave in XXXX we live in XXXX fl. 
The women took the bag and all the paperwork and went into the back room. She came out and told use we can have a store credit. At this time i didn't want to deal with this store. I call Citi bank ( Costco Card ) and the told me to cancel the card and then me a new card and started a dispute. 
I have filled a dispute twice with Visa Citi card. I don't have a invoice or sales contract because the women took it. I return the watch and Im out {$6900.00}. Citi band told me they can't do anymore i have to go to VISA. 
I have called the Vendor 5 or 6 times and he hung up on me and will not give me a copy of my invoice or return policy. I call the Florida Attorney General office and spoke with them. They told me to Contact CFPB to contact Visa. Citi Bank keeps asking for documents and the vendor took them? So i need to see if CFPB can help we settle this dispute.
Consumer complaint received 2018-05-20
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. (CA)

Sent disputes to all three credit bureaus, asking for accounts to be verified, on who they spoke to, name of the person. Did not verify with no one, just sent letter back that says verified, tried to disput again, continue to receive letters stating they will not reinvestigate, even though they never provided me the information
Consumer complaint received 2018-11-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

On XX/XX/2018 I purchased a bundle deal from XXXX XXXX XXXX for {$230.00} consisting of a computer processor and computer motherboard using my Bank of America Travel Rewards credit card. XXXX XXXX   shipped part of the purchase, the motherboard, but cancelled the processor, while still charging the full amount for the transaction. 

I first attempted to contact XXXX XXXX regarding this issue, but received no reply. I then attempted to dispute the transaction with Bank of America. After initially finding in my favor, Bank of America reversed their decision after a response from the merchant and charged me the full amount. Despite finding an issue with their review process, they closed the case and rejected an appeal. They have since refused to review this case.
Consumer complaint received 2022-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AZ)

I recently found a billing issue when I reviewed my credit report. Under U.S. 15. Code 1666 ( b ), billing errors include the creditor 's inability to accurately reflect a statement, a payment made by the debtor, or a credit line given to the debtor, as well as any computation errors or other accounting errors on a statement. As far as I'm aware, the creditor did not send me a statement 21 days prior, thus there shouldn't be any late payment on this account. This is definitely billing issues and I demand to see precise proof from the creditor 's bank account that I failed to pay and was deemed past due. The contested accounts is listed below. 
XXXX XXXX XXXX Balance Owed : {$4800.00}
Consumer complaint received 2018-11-21
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (TX)

The company is XXXX XXXX XXXX. They call repeatedly, but there is never anyone on the line, so I can not ask them to stop calling. I have no outstanding debt, and should not be receiving any collection calls. I work nights, and the calls are always when I am sleeping. I want the calls to stop.
Consumer complaint received 2018-11-21
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: PRESTIGE FINANCIAL SERVICES INC (IL)

The company Prestige Fin appeared on my XXXX credit report on XX/XX/XXXX and on XX/XX/XXXX. It appears to be finance and personal under business type. When I contacted the company, they informed me that my social security number and other identifying information was used in an attempt to acquire a car loan. I informed the company that I have not submitted any form of application for auto financing and that this inquiry was initiated without my consent or knowledge or permission. The company said they will document the issue and contact me back with further instruction. I have yet to hear back from the company and each time i contact them further, I am told the same thing.
Consumer complaint received 2022-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AZ)

I recently found a billing issue when I reviewed my credit report. Under U.S. 15. Code 1666 ( b ), billing errors include the creditor 's inability to accurately reflect a statement, a payment made by the debtor, or a credit line given to the debtor, as well as any computation errors or other accounting errors on a statement. As far as I'm aware, the creditor did not send me a statement 21 days prior, thus there shouldn't be any late payment on this account. This is definitely billing issues and I demand to see precise proof from the creditor 's bank account that I failed to pay and was deemed past due. The contested accounts is listed below. 
XXXX XXXX XXXX Balance Owed : {$4800.00}
Consumer complaint received 2019-01-11
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Halsted Financial Services, LLC. (TN)

This was a {$1000.00} line of credit and XXXX XXXXXXXX ( XXXX  ) has placed a collection on my credit report.

I have contacted XXXX XXXX, which referred me to Halsted, I have contacted them a few times to set up payment arrangements, and have not received a call back.

Every-time I call someone is going to call me back, but never receive a call back.
Consumer complaint received 2018-11-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Bread Financial Holdings, Inc. (CA)

I applied for a XXXX XXXX XXXX issued by XXXX XXXX XXXX on XXXX XXXX and my application wasn't approved due to a freeze on my XXXX  report. My application ID is XXXX. 

I am very disappointed regarding this because the second I submitted my application I got a notification that XXXX XXXX XXXX pulled my XXXX credit report. 

The letter doesn't mention anything about the bank performing a hard pull on my report even though it did happen which is more than enough to view my credit history and credit score to evaluate an application.

Most banks whenever they have issues processing an application they contact the applicant and keep the application open for at least 30 days to be able to finalize it.But XXXX XXXX XXXX  just wants me to apply again after unfreezing XXXX   report so that they ding my XXXX  report again!!

My complain is that my XXXX report was pulled and my application was never evaluated based on that pulled report.

I tried to contact XXXX XXXX XXXX customer service about this but got a rehearsed response that I need to apply again after 30 days.
Consumer complaint received 2018-11-21
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: Klarna AB (IL)

The company Klarna/XXXX  appeared on my XXXX   credit report on XX/XX/2018 and XX/XX/2018. It appears to be personal loan companies under business type. When I contacted the company, they informed me that my social security number and other identifying information was used in an attempt to acquire a loan. I informed the company that I have not submitted any form of application for financing or a loan and that this inquiry was initiated without my consent or knowledge or permission. The company said they will document the issue and contact me back with further instruction. I have yet to hear back from the company and each time i contact them further, I am told the same thing.
Consumer complaint received 2022-07-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

There were unauthorized transactions done on my account that were not authorized nor done by me because I was in the hospital from XX/XX/2022 to the current date. My personal belongs were stolen during that time. I submitted supporting documentation showing this and they refused to look at the documentation and denied my claim. There were 3 claims created. 
{$1100.00} {$3500.00} {$400.00}
Consumer complaint received 2022-07-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO. (TN)

I received a debit card in the mail for a newly opened checking account through Chase Bank. I called them on XX/XX/2022 and was transferred around with no assistance. I called back XX/XX/2022 and finally spoke with the correct fraud dept. The representative stated I would need to provide my SSN and DOB to start a fraud case. I advised that I wouldn't know which SSN and DOB they provided, but further that I would not provide this info if an account was opened fraudulently. I advised that they can start the case, close the account and send out mail and email. I would receive the mail since it is listed as my address and the identity thief would receive the email and would then have the ability to fight that with the local bank or online. They advised that I can go into the local bank to prove who I am and provide my SSN and DOB. I will NOT give them my SSN and DOB! They can have the thief go in and provide those documents!! Obviously, they did not assist me with this fraud. The last person that I spoke with at Chase was a supervisor, XXXX XXXX- she would not provide an agent or representative number.
Consumer complaint received 2018-05-20
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Pressler & Pressler, LLP (NJ)

Pressler and Pressler, LLP of XXXX, NJ is a debt collector/law firm, they buy up credit card debt for pennies on the dollar and than file in superior court and have he constable serve you with out trying to pay.
Consumer complaint received 2022-07-26
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. (TX)

XX/XX/XXXX of XXXX, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

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

According to : 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 According to : 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 2022-07-26
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. (NJ)

Experian only calls the company a debit is with. I am entitled to a full investigation, not just with company, they just get ahold off company take their word and call this verified.
Consumer complaint received 2022-07-26
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. (AL)

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # # # # # # XXXX, XXXX AXXXX XXXX  Account # # # # # # # XXXX, XXXX XXXX XXXX XXXX  Account # # # # # # 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.
Consumer complaint received 2022-07-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Waypoint Resource Group, LLC (CA)

I have contacted this company and they are unable to provide me with the information on my collection account. I need to validate that this account is mine. 

Please provide the following : Details about the creditor to whom the debt is currently owed : Their name and address, the account number they are using for the debt, and the amount owed. 
Details about the original creditor when the debt was created : If the debt originated with a different creditor, provide the original creditors name and address, the account number they used, and the amount owed to them at the time the debt was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from their official name. In addition, please tell me when the current creditor obtained the debt and who the current creditor obtained it from Verification and documentation : Please provide valid documentation to demonstrate that I am required to pay the debt to the current creditor ( e.g., a copy of the written agreement that created my original requirement to pay ). If the debt belongs to someone else, please provide verification and documentation to show that I am required to pay this debt.
Consumer complaint received 2022-07-26
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: Upgrade, Inc. (FL)

In accordance with the fair credit report UPGRADE INC has violated my rights In accordance with the fair credit report 15 U.S.C1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 602 A. Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-07-26
Product: Student loan — Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

XXXXXXXX XXXX Account Number : XXXX 90 days late in XXXX XXXX, 120 days XX/XX/XXXX, XXXX XXXX 150 days late in XXXX XXXX, 90 days late in XXXX XXXX 120 days XXXX XXXX 150 days in XXXX XXXX 180 days in XXXX XXXXXXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

XXXX XXXX  Account Number : XXXX days late in XXXX XXXX  120 days XX/XX/XXXX, XXXX XXXX 150 days late in XXXX XXXX 90 days late in XXXX XXXX  120 days XXXX XXXX  150 days in XXXX XXXX  180 days in XXXX  XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

I, therefore submitting my written request to you to conduct an investigation have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time. Hoping that I could get some favorable news after this investigation.
Consumer complaint received 2022-07-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (NC)

XXXX XXXX XXXX I got a bill from Erc a debt collector I responded and told them I never did business with at & t I filled a police report reported it it XXXX I looked through my credit report and found an address that wasn't mine so I flagged it I received a letter from Erc that said they didn't find fraud the address is XXXX XXXX XXXXXXXX XXXX XXXX nc XXXX I live in XXXX NC don't know where XXXX XXXX is had to look it up never visited this place in my life
Consumer complaint received 2022-07-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (FL)

Despite several attempts at disputing a collection account with XXXX XXXX XXXX, they continue attempting to collect an account for Synchrony Bank. The original account was cleared by the original creditor as a result of fraud. The collection account was must also be cleared as fraudulent in nature.
Consumer complaint received 2022-07-26
Product: Student loan — Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

XXXX. XXXX Account Number : XXXX 90 days in XXXX XXXX 120 days in XX/XX/XXXX, XXXX XXXX 150 days in XXXX XXXX, 90 days in XXXX XXXX, 120 days late in XX/XX/XXXX, XXXX XXXX, 150 days in XXXX XXXX 120 days in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

XXXX. XXXX  Account Number : XXXX days in XXXX XXXX  120 days in XX/XX/XXXX, XXXX XXXX 150 days in XXXX XXXX 90 days in XXXX XXXX 120 days late in XX/XX/XXXX, XXXX XXXX, 150 days in XXXX XXXX, 120 days in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 


I, therefore submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time. Hoping that I could get some favorable news after this investigation.
Consumer complaint received 2018-05-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (MA)

On XX/XX/XXXX, and XX/XX/XXXX I referred two of my friends to open Amex XXXX Aspire cards for the promotion of Member Get Member Bonus XXXX points. It takes 2 months and I called Amex at least 5 times, they kept telling me I will receive points in following statements, but, I receive none of them.
Consumer complaint received 2018-11-21
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Patient Accounting Service Center (WA)

My name is XXXX XXXX dob XX/XX/XXXX. 
I have a medical bill was already being paid through one collection agency called XXXX. At the same time a different company called XXXX was sending letters and calling about this same account. I kept telling them we were working with a collection agency already and they were already doing monthly automatic payments. 
I told them to call their client, the original creditor, because as of XX/XX/XXXX the account was paid in full. They told me they don't need to call the original creditor. After numerous phone calls and letters, including my phone call on XX/XX/XXXX. XXXX  sent me a letter saying has determined my dispute is not valid and I still owe the full amount of {$660.00}. 
On XX/XX/XXXX I have had a phone call with the original creditor and they told me XXXX is not one of the collection agencies they even use. 
Original creditor : XXXX XXXX account # XXXX service date XX/XX/XXXX XXXX  alleged account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX phone XXXX