davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: DISCOVER BANK (PA)

On XX/XX/2020 at XXXX XXXX. I called Discover Credit XXXX I was first connected to someone at a call center in, I believe Michigan with a name of XXXX. I told her I was denied for Discover student credit card and wanted to apply for secured credit card. She connected me with someone in " acquisitions '' named XXXX. XXXX said I was denied due to my address. I updated my address and agreed to move forward with secured credit card application. She told me she did a hard pull for discover student card. However, I believed that she knew I wanted to apply for the secured credit card since I specifically stated this when I called XXXX at XXXX XXXX. on XX/XX/2020. I disagreed with XXXX. Then I was connected to supervisor XXXX XXXX after this and again on XX/XX/2020 at XXXX XXXX. I told him I was pre-approved for a secured card and thats what I thought I was applying for with XXXX. He refused to offer any resolution. Without reaching a satisfactory conclusion he said he wouldn't be available to speak about this until Monday XX/XX/2020. I called Discover again XX/XX/2020 at XXXX XXXX and spoke with a gentleman in the XXXX center who connected me with supervisor. I explained that I wanted to give opportunity to make this right in lieu of going to Consumer Protection Bureau. She said they can not remove an inquiry no matter what. However, her statement contradicts what XXXX XXXX told me that an inquiry could be removed but he did not find any reason to do so. She said she was going to again connect me with someone in " acquisitions '' she said that they can not remove an inquiry and I gave her an opportunity to make this right in lieu of going to CPB. She declined and I informed her I was reporting this to Consumer Protection Bureau.
Consumer complaint received 2021-09-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC (LA)

No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Consumer complaint received 2019-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: AMERICAN EXPRESS COMPANY (CA)

I applied for the XXXX XXXX XXXX American Express card. My credit is over XXXX and my income is substantial. The reason they denied my approval was back in 1999 I filed for bankruptcy and one of the credit cards I had at the time was an American Express card. 
The BK was difficult and stayed on my credit for 7 years and thankfully got back on my feet and have been very successful and have many credit cards in my name. I was not aware that it was legal to deny me credit over a debt that was legally dealt with 20 years ago? I have not been denied any credit of any kind the last 10 years. Mortgage, cars, credit cards etc. If this is not discrimination then I do not know what is. 
Thank you for your time.
Consumer complaint received 2020-08-19
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. (AR)

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report. XXXX XXXX {$520.00} ORIGINAL CREDITOR XXXX {$180.00} XXXX  XXXX {$6600.00} XXXX XXXX {$980.00} XXXX  XXXX {$1500.00}
Consumer complaint received 2020-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I was made aware of an account and several inquiries appearing on my credit report that do not belong to me. I found out today XX/XX/20 because I had my credit ran to see if I pre-qualified for a home loan. I had no idea these inquiries and account were on my credit report because that are not mine and I didn't give anyone else permission to open this account or make these inquiries in my name. I don't know who is responsible for this but I have already filed a police report. I do not have any written/verbal contract with any of the companies listed on this report and I did not benefit anything from these items being open in my name such as money, goods, services or any other benefit. I have filed a complaint with the CFPB regarding these inquiries and account that were opened without my authorization.
Consumer complaint received 2022-04-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NV)

I went to XXXX on the weekend of XX/XX/2022. I noticed that my debit card was missing On the morning of the XXXX when I was at the airport. I checked my bank account and noticed that a charge had been made the night of the XXXX at a bar called XXXX XXXX  that I never went to. It was a charge for {$260.00}. I filed a claim with chase and they told me that they would investigate it and issue me a temporary credit. I just got a notice in the mail that my claim was denied and that they would be reversing my temporary credit which I cant afford for them to do. I was positive that it would be an approved claim since I wasnt there but chase banks reason for denying my claim was because the purchase was made using a chip card and they can not be faked. I told them that anyone can use a debit card at a bar. The waitresses run it as credit. No pin is used at bar from my past experiences. They told me there was nothing they could do. I tried reaching out to the bar that the charge was made at but no one will answer, or return my calls. Ive even emailed them as well and no one has responded
Consumer complaint received 2019-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I had a balance on my XXXX credit card of {$21.00} that I was unaware. I received a credit alert in mid XX/XX/XXXX that my account was over 30 days past due. I immediately called the Capital One about the issue. My address that they had on file was invalid and I  gave them the correct address information. They reversed the late fees and finance charges and I paid the balance immediately. Although, my other contact information was correct, I never received any phone calls or other communication from Capital One that there was an issue with my account. I asked them could they correct the 30 days past due on the credit bureau reporting because I didn't want to be penalized for the bill that I was unaware and for them not having my correct address. They said no that I would have to contact the credit bureau. Of course, I contacted the credit bureau and they said that Capital One would have to correct it. I disputed it at all 3 credit bureaus. To date, the negative reporting was reversed at XXXX. In XX/XX/XXXX, the negative reporting was reversed with XXXX   but they have since put it back on in XX/XX/XXXX. I have been given the runaround because of this issue and it has become very stressful. My credit bureau score dropped 87 points because of this negative reporting of {$21.00}. XXXX keeps saying that the company needs to correct it and then they close my dispute with no notification or disclosure of results. Capital One keeps telling me to contact the credit bureau. I'm at a lost here of what to do next.
Consumer complaint received 2020-05-20
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: Experian Information Solutions Inc. (TX)

XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 120-180 ) days late on the XXXX partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX and XXXX. XXXX  and XXXX are reporting incorrectly that I am ( 120 ) days late on the XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2023-01-30
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. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-01-25
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)

15 US Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identities as information that results from an alleged identity theft, not later than 4 business days after the date of the receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of Identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION! Under, 15 US Code 1681b - Permissible Purposes of consumer reports ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. I demand the deletion of the listed accounts IMMEDIATELY. 

XXXX XXXX XXXX
Consumer complaint received 2020-09-22
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: Rushmore Service Center, LLC (MI)

On XX/XX/XXXX I reached out to XXXX XXXX XXXX Credit Card company in order to resolve an issue on my account. My account is reflecting a balance that should reflect paid in full as of XXXX. The company is stating I owe a balance of approx {$310.00}. 

I was working with XXXX XXXX XXXX XXXX XXXX For 2 years to pay off debt. I completed the program as of XX/XX/XXXX. At the time, XXXX XXXX XXXX Credit Card company sold my debt to Rushmore Service Center but as of XX/XX/XXXX they switched debt collections to XXXX XXXX   XXXX. We ( credit counseling company and I ) were never notified of the changes. Payments began to be forwarded to XXXX XXXX after the change. XXXX XXXX states that Rushmore cashes the check and then electronically submits payment over to them. 

A total of {$1000.00} was the beginning balance owed to XXXX XXXX and was paid in full with XXXX XXXX XXXX XXXX. After back and forth calls to XXXX XXXX and Rushmore service   center, both stated to me that they can not provide a statement of all the payments received so that I can compare with my XXXX XXXX statement of payments sent out. After being denied, I asked to speak with a manager at XXXX XXXX to help with receiving a statement and was denied that request. I asked for the representatives name in which she denied me that information as well. On XX/XX/XXXX I contacted XXXX XXXX so that they can verbally go over payments they received. XXXX provided me the payments but also made sure to reiterate she wont be providing me a written statement. From the payments she listed, there are several payments missing. She said she could not help me and to contact green path. I spoke with XXXX at XXXX XXXX who took the time to contact XXXX XXXX while on the line to help find missing payments. We spoke with XXXX, who seemed to be very dismissive and defensive. She then advised us to contact Rushmore. We both called Rushmore and they referred us back to XXXX XXXX. XXXX faxed over the payments that are missing, to one of Rushmores credit reps. 

I asked for copies of the check they received or if they can check to see if checks were applied to the wrong account. They have been unprofessional as well as very dismissive of my issue. I am being denied written statements and they cant account where my money was being applied to. I should not still owe a balance with them.
Consumer complaint received 2020-05-20
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. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX  XXXX {$5500.00} XXXX  XXXX XXXX {$2700.00} XXXX  XXXX XXXX {$640.00} XXXX XXXX XXXX {$2200.00}
Consumer complaint received 2019-10-30
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: EQUIFAX, INC. (LA)

DEPARTMENT OF JUSTICE XXXX XXXX Order No. XXXX ] Privacy Act of 1974 ; System of Records Pursuant to the provisions of the Privacy Act of 1974 ( 5 U.S.C. 552a ), notice is given that the Department of Justice proposes to establish a new Department-wide system of records entitled Correspondence Management systems ( CMS ) for the Department of Justice ( DOJ ), DOJ/003. Most components of the Department maintain and operate their own correspondence tracking systems. There has been no change in the operation of component systems. Rather, this notice of a new system of records replaces most Privacy Act notices already published by components for existing systems, and it also provides notice for components that have not yet published a notice for such records. Because this is a Department-wide systems notice, it is broader than most correspondence tracking systems operated by individual
Consumer complaint received 2019-10-30
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: Paypal Holdings, Inc (VA)

I paid in full through Paypal for a cruise and airfare that was cancelled on XX/XX/XXXX by the travel agency. XXXX XXXX XXXX promised full refunds that originally were set to pay out on XX/XX/XXXX. However, on XX/XX/XXXX, they changed the payout date to XX/XX/XXXX. On XX/XX/XXXX, I received an email that they were still working to process my refund and that I would receive a phone call with a Final Date and payout. On XX/XX/XXXX, after not receiving a phone call, I sent an email inquiring about the status and I have not received any further information. The transaction details are as follows : XX/XX/XXXX -- {$300.00} ( processed via paypal ) XX/XX/XXXX -- {$370.00} ( processed via paypal ) XX/XX/XXXX -- {$300.00} ( processed via paypal ) I am currently in the process of disputing the XX/XX/XXXX charge through paypal. However, the transactions that were made on XX/XX/XXXX and XX/XX/XXXX can not be disputed and were denied due to the fact that transactions have to be disputed within 180 days. The charges also can't be disputed through XXXX as I am outside their dispute window as well.
Consumer complaint received 2019-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

Company claims that I was in arrears in account for almost two years. This was a secured am card that I put up money for. There was an issue with some charges and payments. They would not respond. I never heard back from them, they never returned the money I put up for the card. 6 years later they put something on my credit report that had not been there before about me owing money. I was blocked from getting a loan for my last semester of graduate school. I called the company and was told they would not remove it. They told me that if I paid them a set amount that they would remove it from my credit and issue me a paid in full letter. I paid them even though they already had my money. I couldnt miss the loan window for school and I wanted to be done with them. Now they are reporting that I was in arrears for two years and those years the account wasnt even active. Nothing about the other six years I supposedly owed hem money because I didnt owe them money. I have disputed this I. My credit and they wont remove it. I have not paid a bill late in 10 years to any one and this is ruining my credit when they have been double paid and have not stuck to what they said they would do. I cant understand how a company can put something as current late on your credit when you havent done business with them in years. This account was opened in 2011 as a way to improve my credit or so they said. I have done everything and more then they have asked and they are ruining my credit.
Consumer complaint received 2023-02-07
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (CA)

I have reasons to believe that Macys/ Citi bank violated my rights under the the fair credit act and/or violated rules and regulations of the XXXX when processing ACH payment. I was never informed of problem with the ACH payments. In a previous complaint my concerns were ignored and problems were confirmed that showed that Macys billing statements had errors and I was over charged {$25.00} with {$4.00} of that false claim interest fee. My records reported to the Credit bureau had on time payments and not one missed payment 6 months in a row. Emails confirming payments and not one alert of a return payment or missed payment. I was charged {$21.00} on XX/XX/XXXX for a XXXX debit payment placed on XX/XX/XXXX amount {$29.00} bank reference # XXXX. I was charged twice {$2.00} fee for interest on a {$0.00} balance. This error is shown on the end of year billing statement showing {$25.00} ytd fees and {$0.00} ytd in interest fees. What happen to the {$4.00} false interest fee? 

This was first brought to customer service in XXXX of XXXX when a balance of {$10.00} remained that I felt I did not owe. Billing statement prior to XX/XX/XXXX were viewable on line. And I had to request these statements and receive them XXXX of XXXX. 

Macys put in a blank dispute in XXXX when I called customer service. 

This is the mistake that Macys can not deny and was reported several times and on record. 

Macys/ Citi Bank billing statement under account transaction - XX/XX/XXXX payment {$16.00} and XX/XX/XXXX payment reversal {$16.00}. 

Citibank Client Services XXXX XXXX XXXX XXXX XXXX, SD XXXX Citi bank statement Personal checking account Balance as of XX/XX/XXXX was {$31.00} XX/XX/XXXX ACH Electronic Debit MACYS ONLINE XXXX XXXX {$16.00} To After payment Balance {$6.00} XX/XX/XXXX Returned Insufficient Funds - ACH Txn {$16.00} I provided a copy of bank statement to show the funds left account and it was reversed without notifying me. 

This was in dispute but Macys continued to report and charge fees. XX/XX/XXXX I paid {$16.00} instead of the {$110.00} that was being charged on an over charge {$10.00} balance. Macys continue to bill late fees on {$0.00} balance and interest. My account was reported close although it shows in dispute with {$100.00} credit limits zero balance.
Consumer complaint received 2023-09-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO. (NV)

In XXXX of XXXX, I canceled my XXXX XXXX XXXX XXXX  at XXXX. I realized later that I was still being charged, I called and they canceled it again and back dated the date to XXXX. I then called Chase business accounts dept to notify them to stop payments. I explained what had happened, they opened a case and later told me that they couldn't stop the payments, because of that I was charged over draft charges, a total of 11 altogether. Well after lots of going back and forth and 3 audits at XXXX and XXXX, I was refunded XXXX on XX/XX/XXXX, so I called XXXX to request the refund on the 11 over draft that I should have never been charged. XXXX charged me up to XX/XX/XXXX. Chase told me that they would not refund me the over draft. I am requesting to be refunded for the over draft charges, which if they had stopped payment as I had requested, would have never happened.