davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-01
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 (GA)

I placed an order ( ORDER # XXXX ) on XXXX using my Discover Credit card. Order was delivered completely damage due to Rain. I informed XXXX that order was delivered and left outdoor in the rain which damaged the item and requested returned. 
XXXX fully agreed to return item, however XXXX never scheduled a picked up as agreed. I attempted numerous time to reach out to XXXX to get that matter sorted still no luck. 
I contacted My Discover Credit Card company to dispute that order of {$500.00}. Discover refused to dispute the amount. Discover Never attempted to properly address my request to dispute the charge. I was instead questioned numerous question and profiled as a liar. 
I stated having documentation from XXXX with statement that they will refund my money within 3-5 business days. Still Discover is not willing to reserve the charge. 

XXXX approved refund however Discover Credit Card is not willing to process that refund. 

Discover is discriminating based on phone voice and accent. As soon they notice you don't have their ( that weird American accent ) they automatically service you the way they want. I was service by 2 white female with rude and savage attitude. Very rude and not even pleasant to talk to other than fight. they make up their own policy and change them at any time. all those TV ads and commercial are fake and wrongly done. 

I am sure cancelling all my discover services with this XXXX company. By the way this is not the first time I am dealing with this company. this time I believe they too far and I am reporting them.
Consumer complaint received 2022-02-02
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: REGIONS FINANCIAL CORPORATION (PA)

Used " Been Verified '' offer 1 day {$1.00}, paid for it & done. Then a charge of {$31.00} left me a balance of {$1.00}, which I didn't authorize or use services. Filed a dispute onXX/XX/2021 Was told by CSR XXXX  days for answers. I updated numerous times same run around with no avail. Now we are XXXX  days from 90 days & I know no more than I did XX/XX/2021
Consumer complaint received 2021-11-30
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: HSBC NORTH AMERICA HOLDINGS INC. ()

On XXXX, I transferred money from HSBC to my bank account in XXXX. However, so far the resources have not been made available. 
I'm trying to contact an HSBC bank manager to let me know the XXXX code so the recipient bank can find the resources. 
Through the contacts made available to me, I am unable to speak to anyone who can resolve the situation.
Consumer complaint received 2021-11-30
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: NAVY FEDERAL CREDIT UNION (TX)

Navy federal credit union has marked a late payment remark on my credit report this is inaccurate and they refuse to fix this issue. My account was set up on auto pay until i lost my job. I spoke with a rep on XX/XX/XXXX. She asked if i needed assistance because she noticed XXXX bill had not been paid. My bill is due on the XXXX of every month. I sent payments in every XXXX weeks until i lost my job. XXXX days after i missed my payment i set up a payment arrangement that would allow me to become current for XXXX and XXXX. My next payment was not due until XX/XX/XXXX. XX/XX/XXXX navy federal reported my open end credit plan as 120 days late. USC 1666a states open end credit plans can not be marked as late. i mentioned that to the rep as well as the fact that i was never XXXX days late. I have called and spoke with several reps and no one is willing to help. Last rep hung up on me when asking why did are they mis reporting my information .She told me to file a complaint and file a dispute. This is unfair to me as a consumer, my information should be reported complete and accurate. I want this information deleted from my credit report.
Consumer complaint received 2022-05-01
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. (GA)

In accordance with the Fair Credit Reporting Act the following accounts have violated my rights : XXXX XXXX  acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX  acct # XXXX XXXX  XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-06-22
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc. (IL)

I have disputed my Experian credit report twice since XXXX, and the same errors are occurring. XXXX loans : There are COLLECTIONS INDICATORS for the most recent dispute period, so both XXXX and XXXX for both occurrences of this account. The first dispute resulted in COLLECTIONS INDICATORS for months XXXX and XXXX ; why is this happening? Can you please remove this ASAP??? This account has not had any reported activity from the lender in over 5 years. It is paid out and no longer active. -XXXX
Consumer complaint received 2018-02-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (AL)

On XX/XX/2018 2 Collection accounts were removed as a result of not being able to validate the accuracy. On XX/XX/XXXX these debts were reinserted on my credit reported with no notice per The FCRA. I attempted to resolve the issue with Equifax to no avail. A representative by the name of XXXX promised to give me a call back as it seems that it was a Tech issue that he would attempt to get resolved. I believe this was a stall tactic.
Consumer complaint received 2021-06-22
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: U.S. BANCORP (IL)

I opened a Checking and Savings account with US Bank. As a US Bank Employee. 

When I attempted to login online, I found out that there was another email address AND phone number I have never used, or known, that was listed as my account. That had access to my funds. That I sent money to from my primary life savings account.
Consumer complaint received 2021-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BTH Management (LA)

XXXX XXXX XXXX sent my loan to Plaza Services LLC as i fell behind on my payment. I contacted Plaza Services LLC to settle the account on XX/XX/2021 in the amount of {$270.00}. This payment was made and the company informed me this account will be deleted from my credit report. This account is still reporting and I have contacted the company however they only sent me the attached letter and no update to my credit score as of now.
Consumer complaint received 2022-05-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (ME)

While waiting for a final review of my Temporary Extended Public Service Loan Forgiveness Application, my student loans were forgiven under the temporary waiver. Given the added FFEL payments that were now counted, my forgiveness date should have been in XXXX. For this reason, I should have received a refund for all payments made from XXXX to the start of the Covid forbearance. However, I was one of many accounts whose NSLDS loan history data showed an extended and erroneous " In Grace '' status when my loans were still with XXXX XXXX. From XX/XX/XXXX to XX/XX/XXXX, I received bills and paid monthly, but those months appear on my loan history as " in grace ''. Everyone with student loans knows that is impossible. Grace periods never last more than 6 months and I was already paying, was not in school, and would not have been eligible for a grace period at that time, let alone one that lasted 34 months. Because of this error, those months were not counted, and my forgiveness date shows as XXXX XXXX and therefore, I did not receive a refund for any of those months I paid beyond when I would have hit 120 payments for PSLF. This problem became known by the Department of Education and the errors have been fixed for those affected who had not yet received forgiveness. Unfortunately, my loan history has not been corrected and to date, I have not received the refund I am due because as long as that error remains, my forgiveness date remains incorrect as well. I need this fixed! 

I understand that I am fortunate to have received forgiveness and I am grateful. However, this administrative error has robbed me of a significant refund of over {$8000.00} by my calculations- a refund others received only because they were not a victim of this system error. I am filing this complaint because the ombudsman/complaint process at the Department of Education is broken and the 3 complaints I have filed have been dismissed without any research or even attempt at trying to understand the nature or merits of my complaint, despite them knowing this was a system issue and my submitting proof of payments for those months. I would like someone to actually address this- correct the NSLDS errors, adjust my forgiveness date, and credit me the payments made between the adjusted forgiveness date and the start of the covid forbearance. 

Thank you for your help.
Consumer complaint received 2021-06-23
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. (PA)

I am writing to delete the following information in my file. The items that need to be deleted are listed in my report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade commission 's identity theft affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-03-20
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (NJ)

On XX/XX/XXXX Citi responded stated they will be reporting me as an authorized user. This has not been done to date and it has been past thirty days ( 30 ). In the letter is states " Although we do not report Authorized User for Citi accounts to the credit bureaus ... .. That information appears to be a direct contradiction to the XXXX XXXX XXXX XXXX XXXX and XXXX. It states " A card issuer must report the authorized user account to the three nationwide consumer report agencies... Please advise as soon as possible.
Consumer complaint received 2018-02-13
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. (GA)

Someone's name is also on my credit report and social security. they have hard inquiries for auto and home loans also credit card. and I would like these removed and corrected SCREENING REPORTS, I 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 haven't ever dealt with theses companies never given authorization for them to inquire about my credit
Consumer complaint received 2022-01-14
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: Santander Consumer USA Holdings Inc. (AZ)

I reached out to the Credit Bureau over a month now and I am yet to receive any documentation or response from them.Section 809 state ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
Consumer complaint received 2020-06-04
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. (AR)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown ac-counts from my credit report as soon as possible. 
XXXX {$190.00}
Consumer complaint received 2018-02-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (PA)

XXXX XXXX XXXX has continually harassed me with debt calls they state that I owe them however I have never had a business relationship with this company. I called them and stated I would like them to send me proof of my debt to them and they never sent me any proof of any kind. They then sued me in the local XXXX XXXX XXXX XXXX XXXX. PA on XX/XX/17. I hired a third-party mediator to try to work with XXXX, first to prove the debt was valid and if so work out a resolution, but even they could not mediate a fair resolution because XXXX had no proof of validity on the debts owed. When my day in court finally came on XX/XX/17 I arrived to dispute the lawsuit ( after having to take the entire day off of work ) but XXXX nor any of their legal representatives even showed up. The XXXX Judge discharged the debt however XXXX filed an appeal and now has another lawsuit against me in the PA Court of Common Pleas. I simply can not believe this company can file a lawsuit and not show up for court and then file an appeal. I have lost time at work and wages due to these actions by XXXX, additionally I have been extremely stressed and risk losing my job due to their phone calls at my work and their harassing tactics. When talking to them on the phone they demanded a payment of any kind so the lawsuit could " go away ''. They are basically using scare tactics to extort money out of people. Unfortunately I landed in this situation because I am recently divorced and went through a very horrible separation and divorce and I do not know what to an exact degree what past debts are truly mine, my ex-wife 's, or both of ours combined and companies like XXXX are taking advantage of hard-working Americans like myself by using their attorneys and their power to try to bully people into paying them money in order to prevent being sued in their " shakedown '' lawsuits. After researching XXXX it appears this company buys bulk debts at rock-bottom low rates from down-on-their-luck people and then tries to go after them with these scare tactics, and despite being been found liable for illegal tactics in a multitude of class-action and other lawsuits they are still allowed to operate. The tactics that this company has used against me are despicable and are clear violations of abuse of process and consumer intimidation and I intend to file a federal lawsuit seeking damages.
Consumer complaint received 2021-06-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc. (CA)

Hello CFPB. EOS CCA is threatening my credit along with XXXX regarding a debt that I do not owe to EOS CCA nor to XXXX. EOS CCA and XXXX are jeopardizing my credit by making me pay for debt that I am not owed to pay. The merchandise was not received and I have proof. My packages contained paper instead of my phones. LEGALLY I AM OBLIGATED TO PAY FOR WHAT I ORDER. LEGALLY I AM OBLIGATED TO RECEVIE WHAT I ORDER AND IN THIS CASE I DID NOT WHICH I HAVE LEGAL PROOF OF WHAT I RECEVIED AND I HAVE LEGAL PROOF OF MY POLICE REPORT AND I HAVE LEGAL PROOF WITH THE REFUND CONFORMATIONS THAT XXXX EMAILED ME DUE TO THEM CONFIRMING THAT THE ITEMS WERE NOT RECEVIED WHICH THEY WERE NOT AND I HAVE PROOF. I ORDERED XXXX FOR OUR WORK AND DID NOT RECEIVE THEM. XXXX confirmed the phones had no usage in my name nor there was any calls on the devices and XXXX informed me that they have blocked the XXXX so no one uses them and they have issued me refunds. I have all my legal documents proving i am not responsible to pay for a debt when I never got the items. I have also filed a police report with the XXXX which I will attach. EOS CCA and XXXX needs to cease this invalid debt because I am not responsible to pay for something when i never received my items. mY ITEMS THAT I PAID OVER {$13000.00} FOR I NEVER RECEVIED AND I HAVE PROOF ALONG WITH MY XXXX REPORT. THIS DEBT REMAINS UNVALID AND I HAVE NOTIFIED XXXX REGARDING THIS. EOS CCA AND XXXX NEEDS TO STOP HARRASING ME AND ASKING FOR MONEY THAT IS DEEMED NOT OWED TO THEM AND I HAVE LEGAL PROOF. CFPB PLEASE RESOLVE. PLEASE SEE ATTACHED POLICE REPORT. THANK YOU.
Consumer complaint received 2021-06-22
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: ALLY FINANCIAL INC. (NJ)

these accounts don't belong to me. please remove accounts : 1. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXXXXXX XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXXXXXX XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

9. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

10. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

11. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.
Consumer complaint received 2018-02-13
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. (GA)

Someone's name is also on my credit report and social security. they have hard inquiries for auto and home loans also credit card. and I would like these removed and corrected SCREENING REPORTS, I 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 haven't ever dealt with theses companies never given authorization for them to inquire about my credit
Consumer complaint received 2021-06-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (GA)

XXXX XXXX sold my home loan to Fay Servicing in XXXX. I have had several concerns about this company, especially the customer service department. No one seems to know anything about my account. I started making payments to Fay servicing in XX/XX/XXXX. Fay Servicing has reported my loan to be a bankruptcy discharge, when I have proof of filing a reaffirmation and have copies, they refuse to update. My reasons for filing this complaint is about my payments are not applied to my account correctly. We have suffered a lot of financial hardship in this era, and it has become an extra job to keep following up with a customer service department that do not know what to do. My mortgage is set at 1 % and I am being charged more interest than 1 %. In XX/XX/XXXX, Fay Servicing paid the taxes on my home that was past due totaling XXXX and added it to my escrow balance. I have never paid my taxes with my mortgage and had fallen behind on my taxes. On XX/XX/XXXX. I made my regular mortgage payment, and after talking with a rep, by the name of { XXXX ) He advised me to make another mortgage payment along with the escrow balance amount, which came to an amount of XXXX. I made the payment on the XXXX of XXXX in the amount of XXXX and I told them that XXXX was for my escrow and the remaining XXXX toward my mortgage for this month. They didn't do what they said they would do, instead they raised my mortgage up XXXX dollars and didn't apply it to the escrow balance. No one can explain to me where the extra money went to. I need answers, and It's looks like they are stealing money from the payment report.
Consumer complaint received 2020-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

On XX/XX/2020, I logged into the TransUnion credit website to request a free annual copy of my credit report. I went through the site 's information gathering process to collect my name, address and particulars in order to request my report. I was surprised that they asked for my credit card, as I was expecting to get a free annual credit report. At no point, did the TransUnion website make it clear that I would be billed, and no fee or billing agreement was provided to me. I did get the TransUnion credit report, but I was billed {$24.00} without my consent or understanding. This report should have been free, as I've not requested a credit report for over three years and I requested only a single agency report. I believe that TransUnion intentionally hid the fact that I would be billed. I believe this is a deceptive practice and TransUnion should be explicit about the fact that they are going to bill your credit card and the amount they are billing. The website should explicitly state that you are purchasing a credit report and you should explicitly agree to an amount to be billed to your credit card.