davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-14
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: DISCOVER BANK (NC)

On XX/XX/XXXX, I signed a contract with XXXX XXXX XXXX in XXXX   XXXX, NC to use their venue located at XXXX XXXX XXXX XXXX, XXXX XXXX NC XXXX for my XX/XX/XXXX wedding. At the time of the contact signing, I used my Discover card and charged a deposit of XXXX ( This was the first payment charged on my Discover Card dated XX/XX/XXXX ) subsequently I made three more payments on my card as follows : DATE AMOUNT XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX In early XX/XX/XXXX, I received notification that the company ( XXXX  ) had filed for bankruptcy and closed their locations permanently. After receiving this information, I attempted to contact XXXX  and was unsuccessful. I received communication from XXXX   attorneys asking if I would consider using the venue if it was under new management, I agreed, but was later told that the company was unable to find another owner and would remain closed. I was also told that I would not receive a refund. At that time I contacted Discover and requested a dispute on the basis that I paid for a service that I could not use. I spoke with a representative and the dispute was initiated on XX/XX/XXXX. The representative told me that they would start the dispute and the company as a certain about of days to dispute the claim if they did not respond accordingly, I would receive a credit, in the meantime they offered me a temporary credit. 
On XX/XX/XXXX the credit was revoked, and I was told that I could not dispute it because the contract stated that there were no refunds. I pointed out the contract stated you could use another XXXX location if the consumer requested to cancel the event. I did not cancel my weeding, the location shut down. Then I was told that that the charges were to outdated for me to request a dispute. I replied that I contacted Discover as soon as I was made aware and had attempted to work things out with the business. Then I was told that they ( Discover ) could not fight the company themselves because they do not have anything that shows that I was entitled to any refund. I submitted a document from XXXX attorney that illustrated that I was due reimbursement. I have not heard anything from the company ( Discover ) since then. I have complied and produced everything that has been asked of me and I feel as if I have been getting the runaround from the credit card company. I think there should be some relief and protection for the customers.
Consumer complaint received 2023-01-27
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

In accordance with the XXXX XXXX XXXX Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 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 Also the Credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-17
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (FL)

I have called myself, I have paid every time, I am affected by the pandemic, my credit was affected, but I still met my payments, I paid my promotional payments in full and they also closed my account, they closed four accounts in their totality of the financial SINCRONARY ROOM TO GO ACCOUNT NUMBER ENDING XXXX  XXXX XXXX SYNCONRARY BANK ACCOUNT BANK NUMBER ENDING IN XXXX GUITAR CENTER SINCRONARY BANK ACCOUNT  BANK NUMBER ENDING XXXX  ON DAY XXXX XXXX PAY the totality of the XXXX XXXX house price for a value greater than XXXX dollars I have never abused the account I have a payment history where I have always complied Furthermore, the same Financier gives me credit in the XXXX XXXX and in AMAZON and in them it has not closed me, this affects my credit even more and where I am raising before that horrible Pandemic that affects the entire planet and our country in particular, being very affected The XXXX XXXX that I own and have not closed despite the adverse moments, I consider that I have honored the debt and that they should NOT CLOSE THE ACCOUNTS AND THEY SHOULD CONSIDER.
Consumer complaint received 2023-01-28
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. (MO)

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

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 XXXXXXXX has violated my rights.

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 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. (IL)

This complaint is to XXXX, TransUnion, XXXX. They claim they verified all information with furnisher who is XXXX XXXX. I call about complaint because CFPB said they needed more information. Called XXXX the person on the phone couldn't find any info on complaint as per XXXX,. I gave them this number and they pretended to not know what i was talking about.
Consumer complaint received 2021-08-09
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: National Credit Adjusters, LLC (OH)

This is my THIIRD TIME disputing this account : XXXX XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX # XXXX, NCA # XXXX. This account is fraudulent and I have no contract with this company. I do not recall doing business or applying for this account XXXX  XXXX XXXX  XXXX XXXX  # XXXX, XXXX XXXX # XXXX, NCA # XXXX.
Consumer complaint received 2017-08-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (VA)

In XXXX of 2017 I paid off one of my student loans being serviced by Navient. They finally logged the payoff on XXXX XXXX, 2017. Then today, XXXX XXXX, 2017 they tried to claim that I had overdue interest on the account. I called the customer service and had to argue with them multiple times that this money was not owed to them.
They say they will fix it after a lot of arguing, but I do not trust that they will. This company is very shady and is taking money from people that they are not owed. A full audit should be done.
Consumer complaint received 2020-08-31
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. (HI)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$110.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- XXXX XXXX XXXX 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$110.00} -This is not my account.
Consumer complaint received 2020-08-31
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. (NM)

In the beginning of XXXX I wrote a complaint about XXXX XXXX XXXX, XXXX and experian not correctly reporting an account on my report. On XX/XX/2020 XXXX XXXX XXXX seemed to have corrected the issue by showing the account closed and in collections, however on XX/XX/2020 the account is now showing on my XXXX report as open and current bringing my score back down! According to the fair credit reporting act they are to report accurate information on my credit report and have not done so! If need be I will seek legal representation from a consumer attorney!
Consumer complaint received 2021-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

During my own investigation creditor XXXX XXXX has reported inaccuracies throughout my credit, bureaus both XXXX  and XXXX have done their investigation and came across these inaccuracies as well and deleted this credit from their companys. I have requesting Bureau Transunion do the same.
Consumer complaint received 2017-08-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

In  XXXX     2017 without warning, j ustification or reason USAA decided to restrict my online account access and shortly there after with out warning as required by law close all my accounts in direct response to my filing a complaint with the CFPB. Which is also against the law.     However, as a result I began requesting both past and future statements be mailed to me for my checking account for my records. However, to date I have received a single statement for my checking account, and only been told of transactions by USAA for this account. The transaction details I was informed of were all very generic and vague, making little to no sense. Despite multiple requests for additional identifying information USAA has failed to provide the requested information.     Additionally, I received a letter dated  XXXX   XXXX ,    2017 stating I needed to claim funds in my USAA checking account or they would be sent to the state as uncl aimed property. However, when I tried to claim the funds USAA agent  XXXX  informed me I was unable to do anything with the funds and they were not able to be claimed or transferred to any of my other accounts away from USAA as their letter stated I needed to do. So, USAA has sent me a letter requiring me to do something and then refused to allow me to do as their letter required.
Consumer complaint received 2020-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WHEELS FINANCIAL GROUP, LLC. (NM)

In the beginning of XXXX I wrote a complaint about XXXX XXXX XXXX, XXXX  and XXXX  not correctly reporting an account on my report. On XX/XX/2020 XXXX XXXX XXXX seemed to have corrected the issue by showing the account closed and in collections, however on XX/XX/2020 the account is now showing on my XXXX   report as open and current bringing my score back down! According to the fair credit reporting act they are to report accurate information on my credit report and have not done so! If need be I will seek legal representation from a consumer attorney!
Consumer complaint received 2021-03-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (PA)

Hello! 
On XX/XX/XXXX, I had a total of 18 transactions that were unauthorized taken from my Chime spending account. These transactions totaled {$1400.00}. I immediately contacted Chime and the vendor. I submitted to Chime a conversation that I had with a live rep at the vendor, XXXX XXXX XXXX, who confirmed my last transaction with them was XX/XX/XXXX. I submitted all the required documents to Chime. Chime denied my claim to them in a matter of three days. When I called to find out the exact reason, absolutely no one had a reason. The rep with Chime kept giving me the run around and couldnt even find a document on file that said why. I immediately reopened my claim. I also did more research and saw that the vendor posted on their website they were reportedly taking charges from XXXX of XXXX, the time frame of 1-15, that they said they never took from patrons. When I reopened my claim, I also sent to Chime proof that if the vendor was claiming this was the reason for the transactions being taken now, I sent over more proof of my bank statements from another card that they did take the charges from me already. This vendor had no reason to take this amount or anything from me. Chime reopened the claim .... and denied me again in less than a day! They sent me no documents, nothing. Absolutely unsettling.
Consumer complaint received 2021-01-25
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. (CA)

I have been contacting XXXX, equifax and XXXX  regarding several accounts that are both fraudulent and some incorrect. They continue to disregard my information and LIE. saying the information is valid. They have caused me stress for many years and i need additional help to please fix these issues. Attached on this complaint is proof of receipt that i owe a XXXX  balance. Also proof of the employee who sent the receipt who still currently works for XXXX. And lastly a incident report because XXXX has forced me to contact the police to resolve this matter.
Consumer complaint received 2017-08-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: IQOR US INC (OH)

Man y Allied Interstate ph one calls wi th 3 conversations with  their representatives ( latest conversation was o n   XX/XX/XXXX  ) expl aining that the debt they are trying to collect is a result of identity theft and all required documentation was  submitted to both the original creditor :   XXXX   XXXX   XXXX   and current creditor :  XXXX   XXXX   XXXX . The documentation included credit cards with  XXXX   XXXX  that were in good standing with proof of address, FTC identification theft affidavit an d City of     XXXX  n incident r eport regarding identify theft were submitted on   XX/XX/XXXX .Thereafter, no calls were r eceived.     However, since mid  XXXX ,   XXXX  , started receiving phone call s. Allied Interstate said the bought the outstanding loans from the   XXXX   XXXX   XXXX  . Then, I received another letter dated    XX/XX/XXXX  from Allied Interstate stati ng that  XXXX   XXXX   XXXX  is willing to accept payment of {$190.00} within 30 days! This despite all documentation was provided disputing the charge.to everyone involved.
Consumer complaint received 2017-08-04
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PNC Bank N.A. (FL)

In XX/XX/XXXX there was a private school loan through XXXX XXXX XXXX.It was sold to PNC bank. Last year I had discovered PNC bank had reported this on my credit, and my husbands credit.These 4 accounts are in a charged off status/collection. PNC bank hired this debt collector, XXXX XXXX XXXX XXXX- who does not own this debt, but trying to collect for PNC bank. It is even being reported we made payments on all 4 PNC accounts in XX/XX/XXXXand XX/XX/XXXX, which we did not. Additionally, we have bank statements from our credit union reflecting this. XXXX sent my husband and I a statement for 2 accounts on XX/XX/XXXX. Before we could dispute this, they reported over {$33000.00} on our XXXX credit report on behalf of XXXX XXXX XXXX XXXX XXXX, XXXX on XX/XX/XXXX. XXXX XXXX XXXX XXXX are reporting this account however was opened in XX/XX/XXXX. Without letting us  know or giving us the 30 days to dispute this. Again, we were not made aware this was going to be reported on our credit report. We have disputed this through XXXX and have been told that XXXX initiated another dispute XX/XX/XXXX with the recommendation that XXXX has double reported these debts and it should be deleted because the current creditor PNC bank has reported this on my husband and I 's credit report. On XX/XX/XXXX we received another statement for one of the four accounts in another amount of {$8400.00}. We sent a certified letter asking for debt validation. The Florida Attorney General, The Ohio Attorney General, and the Florida office of Financial Regulation has been contacted about this as well and investigating the double reporting, the lack of notice about putting this on our credit report and the falsifying of payments made in XX/XX/XXXX by PNC bank. We are also working closely with our attorney on these matters.
Consumer complaint received 2020-09-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (FL)

I opened a Dispute on XX/XX/XXXX for Case ID : XXXX XXXX track ( third party website ) is showing that USPS Delivered the item.

But when I go to USPS website they are not showing tracking information for this item I did not receive this.
Consumer complaint received 2021-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have been contacting transunion, XXXX  and XXXX  regarding several accounts that are both fraudulent and some incorrect. They continue to disregard my information and LIE. saying the information is valid. They have caused me stress for many years and i need additional help to please fix these issues. Attached on this complaint is proof of receipt that i owe a XXXX balance. Also proof of the employee who sent the receipt who still currently works for XXXX. And lastly a incident report because XXXX has forced me to contact the police to resolve this matter.
Consumer complaint received 2017-09-02
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/XXXX, I purchased hair products at XXXX XXXX store in XXXX XXXX with the amount of {$29.00}. ( please see receipt attached ). 
On XX/XX/XXXX, I returned the hair products because it dried and damage my hair and my scalp. I asked for store credit as it states in the receipt that : '' If your purchased does n't give you the beautiful results you 'd hoped for, we will happy refund your money ... .If your receipt is older than 60 days, you 'll receive in-store-credit for the lowest selling price within 60 days before return ''. ( please see receipt attached ) The XXXX XXXX store 's manager refused to return my money. 
On XX/XX/XXXX, I contact Capital One credit card for dispute the charge. The Capital One credit card staff told me that they will credit back to my account soon. 
Until now, I have not receive credit back from credit card company. On XX/XX/XXXX, I contact the Capital One credit card company again, they told me that they do n't allow me to dispute the charge.
Consumer complaint received 2021-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I recently noticed inaccurate date reported to my credit profile with Creditor XXXX XXXX. Ive disputed this account with all 3 creditors. XXXX  noticed the inaccuracies and deleted this account off my credit. I am asking of the CFBP to demand that both bureaus ( Experian and XXXX ) do the same and acknowledge these inaccuracies as XXXX did and delete this account off of my Profile.
Consumer complaint received 2020-09-17
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. (TX)

THE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USED MY IDENTITY TO OPEN THESE ACCOUNTS I DID NOT OPEN THESE ACCOUNTS NOR WAS I AWARE OF SOMEONE USING MY IDENTITY I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRAS. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.