davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-29
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 (UT)

On XX/XX/XXXX I purchased furniture from XXXX XXXX XXXX  in XXXX, UT. I used a Discover credit card to make the {$5500.00} purchase. The furniture was to be delivered later due to supply chain issues. I received monthly updates from the furniture company telling me delivery was being further delayed and that they were working to get furniture to me as fast as they could. On XX/XX/XXXX, I received the last email update. On XX/XX/XXXX the furniture store employee who had sold us the furniture informed us that due to financial problems of the company we would not be getting the furniture. I immediately ( on XX/XX/XXXX ) disputed the {$5500.00} charge with Discover. I also tried to contact the owner of the furniture store but was not successful. Discover initially gave me the {$5500.00} credit to my card while they did an investigation. After the investigation, Discover informed me they reversed my {$5500.00} credit because they found it to be a valid charge. The only documentation Discover sent me relating to the investigation was a copy of the credit card charge I made with the furniture company ( this was the charge I was disputing so this was not any meaningful documentation ). The company is out of business and has been issued a citation by state division of consumer protection. The division has been unable to contact the owner directly. I have contacted and discussed my dispute with Discover dispute representatives at least five times since my dispute was denied. I was told each tme that to get credit for the {$5500.00} charge, I would need a letter from the furniture ompany owner on company letterhead indicating that my furniture was not delivered and that I was due a refund from the company. This is impossible because the owner is no where to be found and will not respond to any form of communication. On XX/XX/XXXX, I sent a letter to Discover containing a link to and excerpts from the Fair Credit Billing Act Sec.1666 Correction of Billing Errors '' that indicates that if I ( obligor ) make a timely dispute ( to the creditor ) of the charge, indicating that I did not receive goods for which I was charged ( which I did- I made the dispute on the day I learned I would not ever receive the furniture ) then, before being able to deny the dispute, the credit card company is required to investigate and determine that the goods were actually delivered and then provide me ( the obligor ) with a statement of the determination [ Sec . 1666 ( a ) ( 3 ) ( B ) ( ii ) ]. Discover did no such investigation and did not provide me such a statement.
Consumer complaint received 2021-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MD)

Good afternoon, I am writing to you guys due to some Inquiries that are fraud and reporting on my credit report. I never authorized any of these companies to run my report. When I called them they didnt have any solutions for me and could not find my information anywhere so why are the credit bureaus reporting these items? Please have them investigate them and delete them from my credit report. I also filed identity theft/fraud because I did not give them authorization to run my credit you can see them found attached. Please have these removed asap I tried contacting them and sending letters and nothing was solved.
Consumer complaint received 2021-06-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP (CT)

I've been trying to access my debit card information on the online website for my USbank Focus Card since the beginning of XX/XX/2021 ; to view my transaction history and balance information. I have contacted the bank every other week from XXXX to XXXX of this year ; and their customer service just gives me courteous assurances that they are working on an IT problem to " unblock '' access to my account. I have talked to maybe 6 to 8 customer service representatives ; all promising they've escalated my complaint, and they will notify me when fixed. Haven't heard from them since my last call around the 2nd week of XXXX! Every other week it's the same thing. I sign on, I try to bring-up my account, and my access is blocked. I've tried to recreate the account, but I'm blocked. I go through a useless process with the reps that doesn't work. They're always sorry ; but it's always the same excuse. They said they would remove the account off-line ; to allow me to sign-in, and create a new account from scratch. I've tried, and they haven't done anything. The old account just sits there, with my name, and the dots hiding my old secured-password ( Which I've tried to change, and that's what started this mess in the first place ). Meanwhile, I get an error message blocking me from access ; and telling me to call the number on the back of the card. I have ... many times! Yet nothing gets fixed!
Consumer complaint received 2022-07-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma (CA)

I use credit Karma money spend checking account. On XX/XX/XXXX my account was locked and put in review. I have called everyday and no one will answer any questions. Each time they say watch from an email from the team today. Each day nothing. I check every 5 minutes. I work for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I work XXXX hours a month. That's XX/XX/XXXX overtime hours. I deserve to access my funds. I have XXXX children and in the last week I've been unable to purchase XXXXXXXX XXXX for my son. Get Groceries and pet food. Gas for transportation so my son missed his XXXX appointment. Unable to pay my auto insurance renewal that was due the XXXX. Now the policy is cancelled. I want my hard earned funds now.
Consumer complaint received 2020-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (KY)

After apply for a Discover secured card and them saying that I was approved. They took my money and sent the card. I was not able to activate the card. They asked me to sign a tax paper in which I did. After that they still would not activate the card and the account was closed because they said that they could not verify my identity. Now the card is reporting to my credit report as a closed account. The account was never open to be closed. I asked them to removed it and the lady said she could not.
Consumer complaint received 2018-05-10
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: WELLS FARGO & COMPANY (NJ)

I XXXX XXXX ; XXXX reserve all of my unalienable rights forever and always. I never had a Wells Fargo account of any kind. Wells Fargo is saying that I do. My identity was stolen and an account opened in my name without my knowledge or consent.Wells Fargo does not have my consent to report any of my private information with any person or any company. Wells Fargo may only communicate with me in writing.
Consumer complaint received 2020-03-20
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: EQUIFAX, INC. (VA)

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Fraudulently reported account as collection. They are a debt buyer and are reporting a credit account original account XXXX, they have reported to my report after XXXX   accound was already reported as fraudulent XX/XX/2019 when first noticed. I have contacted the company 3 times to try and resolve this as they did not provide me the mandatory 30 days to dispute the account they went directly to the reporting. 
XXXX XXXX  refused to provide any information about the account, and was provided a FTC report stating not my account and they persisted for more personal information and stated they do not have to provide any information.
Consumer complaint received 2021-04-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (AL)

Today XX/XX/2021 I received a test message I believe to be a scam or phishing. I keep getting text messages on my phone saying my Amazon account is locked for security reasons. They want me to verify payments at : https : XXXX? XXXX CASE ID : XXXX! QH I received this notice today at XXXX on my cell phone. This is the third time I have received a notice like this that I have not idea where it comes from. The phone number it originated from is XXXX
Consumer complaint received 2022-04-25
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: EQUIFAX, INC. (SC)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX- Account # XXXX, XXXX XXXX XXXX - Account # XXXX, XXXX XXXX XXXX - Account # XXXX, XXXX XXXX XXXX - Account # XXXX, XXXX XXXX XXXX - Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX - Account # XXXX, XXXX XXXX XXXX - Account # XXXX, 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 also states consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2018-05-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (CA)

On XX/XX/18 Navient informed me and the CFPB that it received my annual renewal IBR application ( see exhibit smoking gun 1 ). Navient stated that it received my annual renewal IBR application and that the address is XXXX XXXX XXXX XXXX, XXXX, CA XXXX THIS IS INCORRECT. Looking at my IBR application ( see exhibit smoking gun 2 ) it CLEARLY STATES MY CORRECT ADDRESS WHICH IS XXXX XXXX XXXX XXXX, XXXX, CA XXXX. 
My new IBR payments will begin next month in XXXX but I have not yet received information regarding my new payment amounts.
Consumer complaint received 2021-06-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (NJ)

I'm having a problem with Wells Fargo. My XXXX XXXX account. Specifically, payment allocations for purchases, balance transfers, cash advances, overdraft advances, and bill pay advances. They are not applying my payments to most expensive balances. They are only applying the amount over the minimum to the 5 interest balances. WF claims that this is federal laws for banking.
Consumer complaint received 2021-06-03
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. (NY)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. II feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (SC)

we took a cruise in XXXX XXXX i went to get on the boat and i was told that even though i was vaccinated my wife and i was going to have to take a covid test before we got on the boat. XXXX  employees led us to another room where we waited in line for this test that i was never told was required. i asked 3 employees if there was a charge for this service and no-one knew the answer. We took the test and got on the boat. the next day when i checked the balance on my card their was a XXXX XXXX test charge on my card. i immediately went to the ships service desk to complain about this charge. the showed me a form that had a signature on it that clearly was not my signature. i was never told of this charge nor did i sign any form agreeing to this charge. i disputed the charge with the credit card company and they credited me the XXXX back. i paid the balance that i charged and closed the account with a XXXX balance. now 2 months later they have decided to charge me the XXXX back on my closed account and charge me a XXXX late fee because they believed the form that had my forged signature on it that i agreed to the charge. once again i did not sign this form and i did not agree to this XXXX charge. it is clearly not my signature. and they charged the money back after i closed the account.
Consumer complaint received 2023-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

My only address : XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX Not my addresses : XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2022-09-25
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: Synovus Bank (FL)

These accounts are not mine but is reflecting on my credit reports. 

First Progress Acct # : XXXX Opened : XX/XX/XXXX Amount : {$100.00} XXXX XXXX XXXX Acct # : XXXX Opened : XX/XX/XXXX Amount : {$25000.00} They are illegally furnishing data on my consumer report that one is not mine or i dont remember opening these accounts. i never gave XXXX XXXX XXXX or First Progress any verbal or written consent to report anything on my consumer report. no consent is identity theft. so they are violating law 15 U.S. Code 1681b i am personally writing to them with help of my lawyer that is telling me to gather all this information to file lawsuits to the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins. selling my information to third parties.
Consumer complaint received 2022-09-25
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: AMERICAN EXPRESS COMPANY (CA)

American Express is offering a Welcome Bonus of XXXX points on their Hilton Surpass Card. However, after filling up an application and hitting the submit button, I received a popup message mentioning that I am ineligible to this Welcome Offer. Also, it asked me if I need to complete with my application and of course I denied that. 

I've been an AMEX member since a very long time. I currently have XXXX active cards with them and was previously having another XXXX. I am not sure why they made my ineligible for this Welcome Bonus Offer. 

Looking forward to an explanation from AMEX.
Consumer complaint received 2022-09-25
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. (TX)

There are multiple errors in the listing that are damaging my credit. I requested an investigation and the removal of the collection, charge-off, and late payment accounts. No changes were made. Below are the inaccurate accounts from my credit report : Collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-03
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. (NJ)

XXXX is trying to collect on behalf of XXXX XXXX XXXX for an unknown debt. XXXX has not supplied any proof of contract showing the signature of my identification, how the debt was calculated, or proof of purchase of the contract from the original creditor. I discovered that this collection was on my credit report XX/XX/2021. This negative account in the amount of {$140.00} is lowering my credit score and causing issues for credit approvals. My quality of life should not be lowered due to their mistake and not following proper Credit and Collection Laws such as FDCP
Consumer complaint received 2018-05-10
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (OH)

On XX/XX/XXXX, I contacted Navient to remove my deceased grandfather, who died on XX/XX/XXXX, as a co-signer. I had completely forgotten that he was on the account, due to the fact that I have been the only one paying on it since I graduated in XX/XX/XXXX. When I called, I reached the automated system and it asked me why I was calling. I stated, " co-signer death. '' The automated system then directed me to a prompt, which stated that I would need to speak to a representative. Instead of transferring me to a rep, the system disconnected on me, which was very frustrating, but I understood. So, I called back and got the automated system again. When prompted, I stated " representative. '' The system said, " In order to get you to a representative, I need to know the reason you're calling or I will have to disconnect the call. '' In my opinion, if I say representative, you transfer me to a representative. I understand that the company probably does this to eliminate transfers, but the first representative I spoke to had to transfer me anyways! So frustrating. Then I finally get to the agent that's supposed to " help '' me and they tell me that I need to mail in the original death certificate. My grandfather has been deceased for 3 years and now I have to find this death certificate, pay for postage, and send it in. Minor inconvenience, I thought, but then the representative asked me several questions about his death. " Did he go to a hospital? '' " Which hospital? '' " What funeral home was used? '' " What's his mother 's maiden name? '' " What's his father 's name? '' What is the point of all these questions if I'm sending you the death certificate?! That alone should be enough to remove him from the account. Before I disconnected, I asked the agent what would happen if I couldn't get the death certificate. The agent basically told me this was the only way to get him removed, so if I didn't do it then he would remain on the account. This was such a frustrating process, when all I really want is mail to stop coming to his old house. Not to mention the fact that I'm not even remotely close to having him removed.
Consumer complaint received 2022-03-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLY FINANCIAL INC. (GA)

On the morning of XX/XX/2022 I got a fraud debt charge on my Ally financial debt card for XXXX XXXX I saw from my transaction history it came from a company called ( XXXX XXXX ) I immediately searched up the website and found their contact information and called, and after several attempts of trying to reach customer service I finally got someone on the phone and I told them that someone is using my debt card on their platform and got charged XXXX XXXX after speaking to the company customer representative, I was told that since they can't use my debt card information to see what account my card was connected to, due to security reasons that they couldn't help me, so feelings hopeless I moved on to dispute this fraud charge with my bank Ally financial, after I explained this charge to them they closed my debt card and sent me a new one and filed a dispute form over the phone with them, my dispute Case number for Ally financial ( XXXX ) they told me after 10-15 days I will receive a paper mail with the determination notice, after I received that paper I got declined for any provisional credit for this charge, they couldn't give me any exact reason why I got declined and now I am out of XXXX dollars and moving forward I'll banking with a different bank that protects & appreciates their customers. I would like CFPB to see if they could get me a refund of XXXX $ from Ally financial and to see what exact reasons they declined me for. Thank you.
Consumer complaint received 2022-09-25
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: VEROS CREDIT, LLC. (FL)

These accounts are not mine but is reflecting on my credit reports. 

XXXX XXXX  Acct # : XXXX Opened : XX/XX/XXXX Amount : {$100.00} XXXX XXXX  XXXX Acct # : XXXX Opened : XX/XX/XXXX Amount : {$25000.00} They are illegally furnishing data on my consumer report that one is not mine or i dont remember opening these accounts. i never gave XXXX XXXX XXXX or XXXX XXXX any verbal or written consent to report anything on my consumer report. no consent is identity theft. so they are violating law 15 U.S. Code 1681b i am personally writing to them with help of my lawyer that is telling me to gather all this information to file lawsuits to the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins. selling my information to third parties.