davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-05-08
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY (TX)

I bought an online subscription to XXXX for approximately {$120.00} dollars. I had signed up with my personal email account which I had a non-subscription account with the same website for previously. In XXXX 's system my subscription was then associated with the former/old username not my new username/account. 

When I contacted XXXX Customer Support they were to contact me back in 48 hours and did not. I then called their Customer Service and was told I would not be issued a refund and that this problem was " impossible. '' I then indicated that I would dispute the transaction with my credit card company, American Express. 

I opened the credit dispute with American Express eventually providing them with the Customer Support attempts at contact I had with XXXX and a Screen shot of my account from XXXX. This screen shot showed that I could not check my messages as my paid subscription was not recognized and for which American Express had record of withdrawal from my account for the transaction. I then called several separate divisions of American Express Customer Service and told them that was all the information that I had and that they could either be diligent & vigilant in attending to this matter and getting me my money that I was defrauded back or not. I was also told that I could not further escalate my concerns when multiple managers in their Customer Service divisions lied and told me they could not put me in contact with the corporate office. I then found their corporate office number online and called the following day. 

I received a call back and explained the issue and again stipulated that American Express should follow through on my legitimate transaction dispute and resolve the matter in a timely fashion. I received a call back a few days subsequent to that call from another person in their corporate office. I missed this call due to work and when I called back I left a voicemail explaining my reason for calling and requesting callback. Yesterday marked a full calendar week and several business days between their last call back and my last request for a call back. I left a voicemail largely stipulating the same information as my XXXX voicemail and this has not been returned.
Consumer complaint received 2023-03-28
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: Experian Information Solutions Inc. (CA)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Consumer complaint received 2015-05-13
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (MD)

I HAVE CALLED THIS COMPANY NUMEROUS TIME AND i ALWAYS GET THE COLD SHOULDER OR ONE OF THIER REPS TELL ME THE PERSON THAT HANDLES THIS IS ALWAYS OUT OF THE OFFICE. THIS DEBT WAS PAID BY MONEY ORDER LAST MONTHALSO i HVE CALLED THE COMPANY FOR XXXX WEEKS STRAIGHT
Consumer complaint received 2020-10-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (TN)

I went to an emergency XXXX  visit at the office of XXXX XXXX XXXX XXXX : XXXX, and on a followup I was pressured into applying for financing, on the spot, for what I was led to believe was urgent critical care. I was told by the office staff that my actions wouldn't create a hard inquiry on my credit report, which I took to mean I was NOT applying for a credit card. I found out after that I now have a credit card carrying a {$5000.00} balance, for services not yet rendered. When I try to login to the card servicer 's website, https : //consumercenter.mysynchrony.com, I can not create an account, can not access my information, and can not get in touch with a representative of the company. 

I am going to continue to try to get this disaster managed, but the practices by XXXX XXXX and Synchrony bank were, if not illegal, very dishonest and manipulative.
Consumer complaint received 2024-01-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (NC)

Good morning, I had an account with XXXX ( XXXX XXXX  ) which, I feel behind on. I went to my bank to get a loan and they advised me to get the loan I would need to pay off my accounts that are behind. I called XXXX XXXX asked for a settlement while in the bank with the loan officer and they agreed to the settlement of XXXX. I advised them would call right back once the bank transferred the funds into my account for payment. I called XXXX back with the loan officer and I paid the settlement in full. I was given a confirmation number and the call ended. Well, what I have since found out is that they sold the balance to a collections agency called XXXX  and I explained to them on XXXX different occasions that I don't owe this and it was paid in full with a settlement they said nope you owe it. I have called XXXX and XXXX XXXX  more than XXXX to try and correct this no luck. I was told a supervisor would fix it and correct the error, but still nothing this is now in my credit and they call me 3x a day requesting payment of the remainder amount. I told them if they don't fix it I would be reaching out to the CFPB for assistance their response was to go ahead you still owe this. Please help me with this!!!
Consumer complaint received 2022-01-07
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. (PA)

Previously TransUnion was using XXXX to verify bankruptcy. I have an alleged bankruptcy on my credit report, that was first reported in XXXX. Up util XXXX, TransUnion was using XXXX the verify 3rd party information. I have pulled my XXXX report and have found no bankruptcy listed. 

They have a new 3rd party system they are verifying information with HOWEVER, that is only for bankruptcy information collected from XXXX and forward. Since they first verified the information with XXXX, and now can no longer verify it they need to delete it.
Consumer complaint received 2015-06-11
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: MOHELA (OH)

I took out a student loan for my son, XXXX XXXX, back in 2003 for his college education. Since then, we have done our best to keep up with the payments and only owe about {$500.00} total to XXXX. However, if I am a DAY late they begin calling me XXXX times a day, contacting my job, borderline harassment. I 'm currently in my mid XXXX 's and can not endure the stress of this. I 'm not ever more than 15 days late and I 've considered getting an attorney involved because there has to be some laws being broken. This is n't an effective means of going after debt. My son worked for a collection agency and he stated they are violating at least a dozen laws by the way they 've contacted me ( which I 've kept track of ). I 'm pretty sure I 'm not the only XXXX suffering from this ridiculousness and when I called and tried to resolve with XXXX they were n't completely truthful with me. I need help fixing this and also I need to make sure this does n't happen ever again.
Consumer complaint received 2017-02-14
Product: Credit card — 
Issue: Transaction issue — 
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I applied for a credit card on the XX/XX/XXXX and decided to cancel application. Capital one took {$300.00} out from my account. They said they have issued a refund. I called more than 10 times now I am so upset how they lie over and over about my refund. They said, its going to be mailed after 7 business days. Everytime i call they make an excuse telling i should.have it in 10 days, tomorrow or next month. I called again today the XX/XX/XXXX, i was surprised when they said that i dont habe an account with them. My customer number and name is not in their system. I called the same number everytime
Consumer complaint received 2023-03-28
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. (MO)

I am submitting this CFPB Complaint to request your assistance in correcting erroneous information on my credit file. There are accounts that belong to me but are reporting inaccurate status, which is misleading and adversely affecting my creditworthiness. I have reviewed my credit report and identified the specific accounts that require correction. Despite my attempts to resolve the matter with the credit bureaus and the creditors, the inaccurate information remains on my credit file. I need you to either correct my Credit File by updating and or removing the following accounts off of my Credit File : XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX/XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$710.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed XXXX {$0.00} XXXX  XXXX XXXX Balance Owed : {$79.00} XXXX XXXX  XXXX Balance Owed : {$26.00} XXXX I am requesting that you investigate the matter and take the necessary steps to correct the erroneous accounts on my credit report.
Consumer complaint received 2016-09-30
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

My CapitalOne 360 savings account was hacked. It took 3 calls to the security people before they answered. My account was subsequently locked. A week later I still do not have access to my funds. Ive called half a dozen times and waited literally hours on hold without reaching a representative. Their voicemail box option is full. They are holding my funds hostage and I can not access them. Completely unacceptable.
Consumer complaint received 2020-10-19
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Insight One Solutions, LLC (FL)

This letter was sent to XXXX  Dispute Department on XXXX XX/XX/XXXX and the disputed amount is {$18000.00}. The letter stated, " This account is past the statute of limitations for the state of Florida. Delete this account immediately. If this account is not deleted please sent me foreclosure documents to include a copy of all documents that was used as the method of verification for this account. Please send the documents that include all original signatures, send my complete payment history, send my balance history, send any insurance accounts, send my interest rate disclosures, and send my payoff disclosures. This account is past the statute of limitations for the state of Florida. Delete this account immediately ''. 

This letter was sent to XXXX Dispute Department on XXXX XX/XX/XXXX. This account has been satisfied with XXXX  XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ).  The letter stated, " The date last active for XXXX  is XXXX XX/XX/XXXX, and XXXX  also shows last reported XXXX XX/XX/XXXX. This is in conflict. Delete this account immediately.
Consumer complaint received 2015-06-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: MRS BPO, LLC (NC)

I did n't receive a XXXX Notice which is required by law prior to collection a debt. The debt has been paid in full. It should have never been reported. I take care of my financial matters and would have never ignored a XXXX Notice.
Consumer complaint received 2015-07-17
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (FL)

I am disputing a credit balance of {$740.00} currently reflected on my credit reports. 

On XXXX XXXX, 2014, I spoke to XXXX, Employee # XXXX at XXXX XXXX Bank ( now sold to Collection Agency LVNV Funding ) and PAID my account IN FULL in the amount of {$440.00} Confirmation # XXXX. I even overpaid and received a refund check. 

Upon speaking to XXXX, Employee # XXXX, on behalf of XXXX XXXX Bank, the following terms were agreed upon : XXXX XXXX Bank would debit my account {$440.00} on XXXX/XXXX/14. 
XXXX XXXX Bank would ZERO the balance on my account upon receipt of funds. 
XXXX XXXX Bank would provide me with a REFUND check which was received. 
XXXX XXXX Bank would notify all XXXX credit bureaus that my balance is zero and the account is CLOSED. 

Again, my account was debited {$440.00} on XXXX/XXXX/14 Confirmation # XXXX and I received the refund check for the overpayment of {$100.00}. However, my account was NOT reported to the XXXX major credit bureaus as CLOSED and with a ZERO balance. In fact, it was turned over to Collections LVNV Funding LLC in error.
Consumer complaint received 2023-03-28
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. (NC)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.
Consumer complaint received 2017-05-23
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: EQUIFAX, INC. (WI)

I Called Equifax on  XXXX   XXXX     2017 after  sending several certified letters and hearing nothing in return. I talked to an employee that was beyond rude and refused to dispute my debt OR provide any information on how inaccurate information was verified with no contracts or bearing signature. ( this employee went on to say Equifax as a credit bureau Does Not have to verify anything, they can just look at at screen and if my name matches, it 's valid ) I then stated if you mark something on my report as verified by your company Equifax, I have a right under federal law to be given information on HOW this was verified as it IS Inaccurate.   I also informed this employee that the company continues to report addresses that I do not live at nor have lived at nor can I receive mail at. Which again means this company is reporting inaccurate information about me. I also sent a certified letter to EQUIFAX and  XXXX  on  X/XX/17    stating something along these lines ... Please validate this information with   XXXX   and provide me with copies of any documentation associated with this account, bearing my signature.   In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.   Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act  Section 611 ( a ) ( 1 )  ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to  XXXX  or any means of automated verification.   This company has no professionalism and before my call was over the employee had even told me to try to sue them, as he will not do anything to verify any information on my report and hung up on me. I was in shock! I have never in my life dealt with such horrible customer service, not to mention the fact that they make it impossible to talk to anyone about a dispute or incorrect data that they continue to report. Equifax and  XXXX  will transfer you over and over again until somehow the line gets cut. It is an endless circle that gets nowhere and then when you do finally get ahold of someone this is how they speak to you. Not impressed at all with this credit company.
Consumer complaint received 2021-06-03
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: CAPITAL ONE FINANCIAL CORPORATION (MI)

My name is XXXX, XXXX the XXXX on case number XXXX I have been a loyal customer since XXXX never missed a payment and due to covid its been hard. I have asked for an additional assistance on having a fee waved and then making a payment since I was now able to make the payment unfortunately they stated even though we are going through a pandemic and people are having hardships there is nothing that can be done even after talking to a supervisor. I asked if there was a plan moving forward and only then was told they can only help with payments nothing more I also asked could they go over it with me. I never heard the plans of how they could help moving forward and my original issue was never resolved. I am very saddened and upset that they only treated me as a bill and not a person. Not only have I never missed a payment in all those years but I also sent numerous family members to the company. I use to love them but if they cant help during a pandemic Im not sure they are going to have people best interests at heart. I was told to also write in Mailing address XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX which I did but I wanted to make sure I did this as well.
Consumer complaint received 2016-10-28
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc. (MD)

I have disputed with the credit bureaus and Santander several times because they are showing on my credit report as debt transferred or sold. I also received something in the mail stating that Santander no longer has the loan and I do n't understand how the credit bureaus and Santander are reporting and updating my credit report showing late payments when they no longer own the debt any longer.
Consumer complaint received 2016-07-09
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A. (CA)

For three months XXXX XXXX - XXXX XXXX Citi has claimed my bank has returned my payments as NSF. I was not informed until XXXX about the issue. I called and spoke to someone who stated payments take XXXX5 days. I scheduled a payment for XXXX/XXXX/16. I called again on XXXX/XXXX/16 and was hung up on. I called back and the person I spoke to said the bank had returned NSF, even though I was paid the day before the payment was set. She then told me they had resent it and it had been accepted and they had received the funds from my bank, and that she would request a supervisor to contact me in XXXX48 hrs. I never received a call. I received an email on XXXX/XXXX/16 that it was returned NSF. However, I had a minimum of $ XXXX {$500.00} in my acct for the past week, over {$1000.00} the previous week. The person I spoke to said a request for a supervisor to contact me had n't been made until XXXX/XXXX/16. Because of this continued issue, my credit score had take a substantial hit, making it impossible to get the home loa I was going to go after. When I told this person I was upset and wanted to speak to a supervisor about getting refund on the return fees I was charged, and getting my credit score issue addressed, she told me that Citi did n't report to credit bureau. She also said that there was no supervisors available. The person also put me on hold a couple of times while I was attempting to explain. She finally told me that if I did n't stop talking she would n't make a note of my complaint. At this time I became very angry, hung up, and made this complaint.
Consumer complaint received 2023-03-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc. (TX)

I have sent multiple emails to XXXX XXXX with police reports and with proof that my identity was stolen yet they continue to sell off the debt and I keep getting harassed to pay a debt that is not mine. I don't know how else to make the stupid energy company to own the fact that by not checking doing their due diligence to make sure that people who get accounts with them are the actual owners of the SSN and DOB being used. I am tired of having to deal with XXXX XXXX and would appreciate that you correct their abusive manor and selling off the debt. 

Online Formation Services sending me a bill that I DO NOT LIVE AT is not proof it is mine. I have only lived here in XXXX XXXX TX and I will not pay for a debt that the energy company is at fault because they didn't make sure the person signing up for services is the actual owner of the debt. Online Formation Services refuses to listen and keeps on trying to collect. I AM NOT PAYING.
Consumer complaint received 2023-03-28
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. (MO)

I am submitting this CFPB Complaint to request your assistance in correcting erroneous information on my credit file. There are accounts that belong to me but are reporting inaccurate status, which is misleading and adversely affecting my creditworthiness. I have reviewed my credit report and identified the specific accounts that require correction. Despite my attempts to resolve the matter with the credit bureaus and the creditors, the inaccurate information remains on my credit file. I need you to either correct my Credit File by updating and or removing the following accounts off of my Credit File : 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 I am requesting that you investigate the matter and take the necessary steps to correct the erroneous accounts on my credit report.