davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-14
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: SYNCHRONY FINANCIAL (TX)

On XX/XX/19, I placed an order with Walmart.com for an item the store would fulfill but was out of stock. Although ordered a specific item in the amount {$62.00} they tried to force another item to substitute my item. On XX/XX/19, I refused the item and was asked if I wanted a refund? I though that was a XXXX question to asked especially since I ordered the out of stock item. I received a refund receipt but it was for the item they wanted to substitute my item. On XX/XX/19, I called Walmart Credit card services to report the issue while it was still pending after trying for 2 days to resolve it. I was told they could credit the item because the item wasn't refund in the store. I'm telling there wasn't an item because it was out of sock. I explained to them the store clerk used a dummy receipt so it would appear that they refund my credit card. I called Corporate office and spoke to XXXX rep she held the phone because she did  not know what to do. I asked for a supervisor ( XXXX ), he very rude, abrupt and unprofessional. He treatment like unwanted visitor and called a XXXX XXXX XXXX before hanging up on me. Then I called him back to see why he felt it was ok to use profanity and hang up on customer. But XXXX ( another supv ) came to phone and cold transfer me back to Walmart.com. 
Now I have {$62.00} charge on my Wamart Credit card for an item I did not get. No one with Walmart Credit Service will assist me with resolving the charge on my account. I have attached the dispute form completed for resolution.
Consumer complaint received 2018-12-27
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. (PA)

I have a listing on my credit report from XXXX  XXXX  stating I owe them XXXX since XX/XX/2018. I have absolutely no knowledge of this company or any loan of that amount. They are reporting derogatory account to the credit companies every 5-7 days negatively impacting my score. I attempted to contact the company requesting verification of debt and never received any information from them. I then disputed this charge multiple times with XXXX XXXX and experian and I was not provided any information about this debt. My latest dispute was on XX/XX/2018 and it came back as resolved and updated but I see no change or new information provided.
Consumer complaint received 2022-01-08
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. (GA)

I have previously disputed with XXXX, experian and XXXX on XX/XX/2021 regarding certain accounts which I found inaccurate. Up to date, I have recieved no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They're non compliant to FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Consumer complaint received 2019-06-13
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. (WV)

THE ACCOUNT DISPUTED DOES NOT BELONG TO ME. I HAVE NO KNOWLEDGE OF THIS ACCOUNT AND I DID NOT GIVE ANY SORT OF AUTHORIZATION TO BE REPORTING ON MY CREDIT FILE. PLEASE HAVE THIS DEROGATORY MARK REMOVED OFF MY CREDIT FILE FOR IT IS CAUSING SERIOUS REPORTING DAMAGES.
Consumer complaint received 2019-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

XXXX XXXX contacted me concerning a XXXX XXXX credit card in my name which they believe is " POTENTIAL FRAUD '' as a result this card is blocked. 
XXXX XXXX is reporting this card to the credit bureaus as mine even though it is listed as " Potential Fraud '' by their own Fraud department. 
If XXXX XXXX believes there is some kind of fraud concerning the XXXX XXXX credit card in my name than any information they report to the credit bureaus including any balance would be inaccurate. 
As a result of XXXX XXXX 's belief this account should and must be deleted from. my credit report. If XXXX XXXX declares the information reported to my credit reports is accurate they would be deliberately contradicting their own fraud department and intentionally reporting inaccurate information to the credit bureaus concerning me.
Consumer complaint received 2019-06-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX, I contacted the customer service line for JP Morgan Chase 's Banking services to report that Chase had cashed a check # XXXX of mine twice first on XX/XX/XXXX, then on XX/XX/XXXX. In the first instance, Chase 's records mistakenly coded the check as # XXXX. The images from the entries for both dates clearly show the check number to be # XXXX. The actual check # XXXX and corresponding images corresponds to a payment of {$120.00}, and that transaction is correctly coded for XX/XX/XXXX. 

For the second incorrect deduction from my account of {$930.00} on XX/XX/XXXX, the check was coded with no number at all in the Chase system. 

On XX/XX/XXXX, I was advised I would receive a call back within two business days regarding the matter. The call back I received was unsatisfactory as the caller from the Communications Department could not provide any information as to when the charge would be reversed, nor would he connect me to his supervisor. I was told I would receive a call from a supervisor within 2 days. I did not. 

On XX/XX/XXXX, I called Chase Banking to inquire why I had not received the promised call back. On this call, I was assured that the {$930.00} incorrect charge would be reversed within 2 business days. This credit has not occurred. 

On XX/XX/XXXX, I called Chase Banking again to inquire as to why the credit had not posted to my account within 2 business days as promised. After being disconnected prematurely by one operative, I finally reached an individual who told me that my account would not be credited until Chase Bank had recovered the funds from the external bank. When I reported that this response was insufficient, as I had already waited long enough for Chase to correct its error, I was informed there was no one I could speak with who could do anything else until my complaint 's project closure date of XX/XX/XXXX. If the matter was unresolved on XX/XX/XXXX, I was informed my only recourse would be to resubmit the complaint. Given how long Chase has stolen my funds, this is a completely unacceptable response.
Consumer complaint received 2016-01-31
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: MLD MORTGAGE INC (FL)

I have closed on my FHA XXXX loan over 3 months ago, I took out a XXXX loan so I could have the roof replaced after I bought the house. The roofing company I chose got half down for the roof and supposed to get the other half after the roof was replaced and all inspections have passed. The roof has been replaced and all inspections have been passed over two and a half months ago. The money store is refusing to pay the roofers roofers and continue to ask for more financial information for their " investers '' ond saying they will not pay the roofers unless I give them all the info they need.I have cooperated fully, now it has been almost three months, the roofers are still not paid and they are going to put a lien on my house. The money store continues to ignore my phone calls
Consumer complaint received 2020-09-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: DISCOVER BANK (NC)

Like many Americans, my family and I have been impacted by the worldwide COVID-19 pandemic. We lost about two-thirds of our income, and as a consequence, we are struggling financially. I tried to stick it out for as possible and pay Discover Financial whatever they wanted, every month. However, I can no longer pay an absurd amount of money for a {$1500.00} credit card. Discover Financial jacked up my interest rate to 24.49 % for no good reason, except to make more money off me. I contacted Discover Financial and spoke to customer service and told them that I would like to pay back what I owed them. However, I need a little bit of help during these troubling times. Their customer service representative categorically refused to work with me and offer any COVID-19 related assistance, even when I asked specifically for it. I was told that it is not available to me. I was also told that the only thing she would do is allow me to pay 16.99 % interest for 12 months. The customer service representative told me that all customers get the same " fair '' treatment. That is clearly a lie since I know other people who closed their Discover accounts and got 0 % APR for 60 months to pay off their balances. I was also told that if I don't make a payment immediately, Discover Financial will report my account as late. I have included a screenshot of the offer from within my Discover Financial account. If you look closely, there is no offer to close the account with a 0 % APR or anything close to it. I strongly believe that this is because of the relatively small amount that I owe, {$1500.00}, it is more profitable for Discover to keep my account open and keep me paying. During an economic crisis and a global pandemic, a good bank does its best to help its customers pay back what they owe. In my case, Discover Financial is not interested in helping me pay them back, but rather they want to profit from me for as long as possible by keeping my account open and me paying sky-high interest rates for as long as possible. This needs to stop immediately as I am no longer able to pay what they want me to pay.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CCS Financial Services, Inc. (WV)

Credit Collection Service put a collection on my credit report that was invalid from XXXX XXXX. The general claims I owe them money when I didnt have the vehicle during the times they charged me. I have tried contacting them but they wont fix the incorrect charges. We only had the vehicle for a short time since it had major undisclosed issues we was caught off guard by. I have filed a XXXX for XXXX XXXX in attempts to have someone with authority to review this. I am also requesting that Credit Collection Service deleted the collection from my report for being invalid and incorrect.
Consumer complaint received 2023-08-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XXXX XXXX Resolution Specialist Regulatory Complaints Bank of America - " We were unsuccessful at recovering the funds on your behalf. '' " Neither XXXX nor the network financial institutions are responsible for resolving any payment or other disputes that you may have with any other user with whom you send money to or receive or request money from. " It is a negligence statement because only Bank of America can handle the funds of the recipient to whom I mistakenly transferred through XXXX. We trust Bank of America. The XXXX XXXX Police Department also suggested that only Bank of America can chargeback or transfer back money to my account for dispute transactions. 

I am just requesting to get my money back ( My kids are going to school now and need my support ). The recipient is taking advantage and holding my money without kindness or sympathy for children. I am not purchasing products through XXXX, I am supporting my children as a father working overseas. I admit that I was not informed about the change of my family member 's phone number. I made a XXXX cash transfer {$1900.00} $ on XX/XX/2023 for my children 's educational and daily expenses. If you have the same situation like this with your beloved family, what will you do? 

I am just asking help from Bank of America as a mediator / arbitrator to retrieve my money back from this person. I am not requesting a refund from the Bank of America in the amount of {$1900.00}. 

I want to share an article about XXXX XXXX  helping the customer who sent a XXXX money transfer to a stranger. She got her money back. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Complaint Response from Bank of America Case Number XXXX XXXX - XXXX XXXX Call on XX/XX/2023 XXXX XXXX  to XXXX, Texas Bank of America along with the Burmese translator said He will send the dispute for reconsideration as this is Non-Fraud XXXX transfer.
Consumer complaint received 2023-06-30
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: Experian Information Solutions Inc. (CA)

In accordance with the fair credit reporting act XXXX  account # 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Has violated my rights XXXX 
XXXX15 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 an account without my written instructions.
Consumer complaint received 2023-10-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capital Accounts, LLC (SC)

the debt was paid in full on XX/XX/, for {$1000.00} yet debt collector ( capital accounts LLC ) kept sending collection notices, for XXXX in XX/XX/2023, XX/XX/2023, XX/XX/2023 I had to take time off of work, had to go back to the dental service provider to get a letter in XX/XX/2023 stating satisfaction
Consumer complaint received 2019-06-13
Product: Credit card or prepaid card — Store credit card
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: SYNCHRONY FINANCIAL (WI)

Every credit card that I have with Synchrony Bank has lowered my credit score because it closely monitors my accounts. If I am late by a day, the Bank automatically lowers my account balance and does not allow me to make any further purchases. Therefore, my credit score is lowered causing credits issues for me. I am being harassed and discriminated against!. I want my credit limits set back to what they were originally! However, this Bank only takes pleasure in hurting consumers not helping them! Synchrony Bank is a terrible company to have monitor your account.
Consumer complaint received 2024-02-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.
Consumer complaint received 2023-10-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HANCOCK WHITNEY BANK (FL)

XXXX XXXX offered a promotion of {$300.00} to open account and make TOTAL qualifying direct deposits of {$300.00} or more per month. The XXXX was to paid 45 days after the qualifying period ended on XX/XX/31. I deposited {$170.00} from my paycheck every pay period which totaled {$350.00} per month. They did not credit my account for the bonus amount. Statement attached along with promo terms emailed to me from the bank.
Consumer complaint received 2022-01-08
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: GLA Collection Company, Inc. (KY)

( GLA COLLECTIONS ) at ( XXXX XXXX XXXX XXXXXXXX KY XXXX ) has been sending me collection notices in the amount of ( {$300.00} ) the collection openedXXXX has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Consumer complaint received 2019-06-13
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. (FL)

PLEASE BE AWARE THAT THE DISPUTED ACCOUNT REFERENCED IN THE ATTACHMENT ARE CLOSED ACCOUNTS WHICH HAS BEEN PAID FOR IN FULL DUE TO A SETTLEMENT. THIS ACCOUNT NEEDS TO BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY. FOR YOUR CONVENIENCE, I HAVE ATTACHED A LETTER SUPPORTING THAT CLAIM.
Consumer complaint received 2023-05-09
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. (OH)

This is my 11th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$600.00} XXXX XX/XX/2022
Consumer complaint received 2019-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

In XX/XX/2019, I reached out to Experian regarding an account on my credit. The name of this account is XXXX-XXXX. I asked for Experian to validate this account and provide their proof of the original signed contract that they claim that I have with this company. According to the Fair Credit Reporting Act Section 609 a1a it clearly states that the Credit Reporting Agencies are required to show proof via an original signed contract. I have requested for Experian to show me proof of the original signed contract proving that I agreed to pay this company any money and if they are not able to do that I requested that the entry be removed and deleted from my credit reports. 

It is now XX/XX/2019, and I have not seen any documents from Experian which produce the alleged signed original contract from XXXX XXXX. I only have received letters from Experian stated that this account was " verified as accurate ''. I have asked them to show me how it was verified according to the Fair Credit Reporting act they are required to show me proof on how they verified the information. Experian has not provided me with this information. I will request that a fair resolution will be to remove this account completely from my credit file.
Consumer complaint received 2023-05-09
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)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXXXXXX 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-09
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)

This is my FURTHER request that I dispute particular records on my credit file that do not belong to me, that I have signed any agreement, or that I have been the victim of identity theft and that no one appears to care. The data I'm disputing has nothing to do with any transactions I've carried out or approved in order to obtain goods, services, or money. The following INCORRECT ADDRESSES should be removed. 
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