davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-13
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (NJ)

XXXX XXXX XXXX, I have been asking for a copy of the originally signed contract. It can not be produced by XXXX or Experian since the credit account was with XXXX XXXX. Experian has been ignoring my requests for more than 30 days now. XXXX XXXX XXXX also can not produce it. The account needs to be removed since It can not be produced. 
XXXX XXXX XXXX, i have been asking for signed original contract. Where is the XXXX credit card agreement and the full payment history as requested.
Consumer complaint received 2016-10-14
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (TX)

I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Consumer complaint received 2022-01-04
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc. (TX)

I had an apartment lease contract with XXXX XXXX  My contract was for XXXX and ended at XXXX the XXXX day of XX/XX/2020. Lease terms were After that, the lease will automatically renew month- to- month unless either party give at least 60 days ' written notice of termination or intent to move out. I gave my 60 days ' written notice and I was still charge the following month along with late charges. This was sent to collection and it is affecting my credit. Please help me get this resolve.
Consumer complaint received 2017-05-21
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: JPMORGAN CHASE & CO. (TX)

I noticed in   XXXX   XXXX   that a hard Inquiry was made for a chase bank credit card that I had NOT solicited. I have already called bank various occasions, complained about it, they checked, verified that whoever did solicited a credit card was not me, said they would report to credit burea u (   XXXX ,  XXXX ,  XXXX , but nothing has change. That was  XXXX   XXXX . But already it had happened before on  XXXX   XXXX .   II always tell Chase to write down that I have not and will ot apply for a credit card with them, whoever does will NOT be me.
It never is taken off my credit report. I did NOT solicited a credit card with Chase Bank.
Please help me out here.
Consumer complaint received 2017-01-16
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (NV)

I have been verbally told and using tools through the XXXX credit bureaus websites informed that there is no block on my credit reports. However XXXX has closed my mortgage loan modification file due to their alledged attempts to obtain my credit report and said report being " locked. '' The credit bureaus refuse to provide anything in writing stating that my credit reports are not blocked. XXXX refuses to reopen my mortgage loan modification application package and my home will now be forced into foreclosure.
Consumer complaint received 2016-09-20
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: RR Resource-Recovery (NY)

The credit collections agency in question only contacted me once by phone and once by mail well over a year ago, and suddenly, I have a negative credit flag on my credit score. While I 'm sure that I passed a time deadline to make payments on this account to prevent this from happening, the lack of communication from the collector is not only surprising, as I 'm used to being called monthly when I forget to pay a bill, but also irresponsible, as negative flags like this can remain on an account for XXXX years. I recently graduated college and would like to do things such as consolidate my student loans, possibly finance a newer car in the next few years, and get a mortgage to buy a house, but this XXXX item is going to seriously hinder my ability to do any of that. Had R R Resource Recovery contacted me before this account went into the flag zone, I would have begun making payments immediately as I received a substantial promotion and raise with my current job.
Consumer complaint received 2017-05-21
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: SYNCHRONY FINANCIAL (CA)

Someone tried to open a PayPal credit card with my info. I called the company and they closed it but it still shows as a hard inquiry in my credit report in  XXXX .  XXXX / XXXX / 17
Consumer complaint received 2020-10-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (MA)

This summer I bought several items online, which I promptly returned. When I reviewed the next two statements, it appeared that Macys continued to charge me for one of the returned items. 

On XX/XX/XXXX, I called the Customer Service Department. The representative with whom I spoke agreed that the billing is confusing. After about 45 minutes, she finally was able to decipher the confusing billing. She explained that I was being charged late fees on a t-shirt I bought on line for {$19.00}. 

Once we clarified the confusion, I immediately arranged for an electronic payment of {$19.00}. I asked for a credit on the late fees because : ( 1 ) Macys own billing system is confusing and misleading to consumers ; and ( 2 ) I am a longtime customer and it is the right thing to do. 

Both the woman with whom I spoke and her manager told me they lacked authority to give me a full credit. They are third party billing agents, not Macys employees. The remaining fees after their adjustment is {$33.00}. I explained I planned to dispute that amount. 

On the same day, XX/XX/XXXX, I went to the Macys store in XXXX MA to return other items. When I tried to buy some other items, my Macys card was declined. The sales person gave me the enclosed receipt which incorrectly says my current balance is {$92.00}, almost 3 times the disputed amount. I checked my statement online yesterday and it remains unclear why the enclosed receipt says my card balance is {$92.00}. 

On XX/XX/XXXX, I wrote the address listed on the statement to dispute the divergent late fees. I did not receive a reply. 

On XX/XX/XXXX, I called Customer Service again, who told me Macy 's has no record of my XX/XX/XXXX complaint. They gave me a new address for what they say is Corporate. Now my late fee is {$75.00}. The numbers keep changing. 

This sequence of events shows that Macys has a misleading, deceptive, confusing billing system. I want Macy 's to XXXX balance the bill.
Consumer complaint received 2016-02-03
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A. (WA)

Hello, My husband and I did a balance transfer to pay off our Home Depot card and we thought we had paid it off but there was a {$68.00} balance. We use to receive paper bills but somehow they stopped so we assumed it was paid in full. I checked my credit report a couple months after because I am in the process of getting pre-approved to buy my own place ( My husband and I are getting divorced ) and could n't understand why my credit score went from XXXX to XXXX and saw that Home Depot has reported us 2 months past due! I was so upset! I called Experian and they let me know only Home Depot could only fix it. We 've been cardholders for over 10 years, and have never been late on payments. 
I called Home Depot they told me we had switched to e-statements to my husbands email address ( he never received them ) which we do n't recall doing. They said I could send a letter of explanation along with my full credit to their dispute department. Only to be rejected 5 weeks later stating that it was true and accurate information that I was late for the the payments. I let them know my husband and I are in the process of going through a divorce and my future depended on my good credit so I am able to buy my own place for my XXXX kids and myself. I am so furious that they wo n't even take into consideration our excellent credit standing with them or the circumstances behind it. How could we pay the {$68.00} balance when we had no idea it was due and they charged us several late fees on top of the small balance. We had paid them {$4400.00} via a balance transfer, what would make them them think we 'd be late on purpose to pay the remaining small amount we owed? 
I am hoping you can please help me get these negative marks off of our credit. It is so disappointing. They also lowered our credit limit from {$5000.00} to {$500.00}. 
I will never use their card again if they do n't adjust the negative marks! They clearly do n't value good customers. 
I 've attached a letter I sent to Home Depot to dispute our account. I am hoping you are able to help me. Thank you in advance for your help. 

Kind Regards, XXXX XXXX XXXX
Consumer complaint received 2017-05-21
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: Experian Information Solutions Inc. (MD)

I have tried several times to submit a dispute for an error on my credit report with experian. Both   XXXX    and   XXXX   have correctly deleted this account but Experian is refusing to investigate this matter and report correct information. This has caused serious damage to my credit report and my life style.   XXXX   XXXX   has reported incorrect collections account for a court judgement which has already been paid. This information needs to be verified and deleted off my credit report as a collections account.
Consumer complaint received 2017-10-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. ()

Company : Coinbase I have made a wire transfer to my Coinbase account to be able to purchase crypto currency. All my details were entered correctly and my bank has confirmed that the company has taken receipt of the funds. The funds have however for long past their promised time frame still not been credited to my account. I have attempted on numerous occasions to contact their customer support via email, twitter and phone and have received no response.
Consumer complaint received 2020-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

I am requesting the removal of all Fraud Alerts from my credit report. I am trying to buy a car and I can not access my credit file with the Freeze/Alert on it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX DOB XXXX SS XXXX
Consumer complaint received 2020-04-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Neon Newco Corporation (MO)

Hello, My name I have been with brinks prepaid all access account for years now. Within just this year my card has been breached twice this time when they sent a text they said someone called in with a XXXX area card trying to gain access to my account. They said they could not give me any information on who it was. I have been trying to reach someone for 3 days to transfer money to a net spend card like they told me I could until I get my new card and I've got hung up on by fraud department after they said they were transferring transferred back in the que for hours and after holding dead air. At this point this is the worse experience ever and I just want some of my own XXXX money to feed my kids.theu charged me {$25.00} for a new card but it was not my fault someone was trying to access my account that was not me why do I have to pay? On top of that I want have any money to feed my kids for 7 to 10 days. I'm beyond frustrated. I work in customer service at very well known company and would be fired if it got to this point.
Consumer complaint received 2021-04-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Winklevoss Exchange LLC ()

After creating my GEMINI online account. They don't want to verify my account, as well as my identity, in order to make transactions. I obviously sent all the necessary documents.

This has been going on for over 2 weeks.
Consumer complaint received 2017-10-13
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Account status incorrect
Company: EOS Holdings, Inc. (NY)

I 've tried numerous of times over the coarse of 2 months to alert The Collection agency EOS CCA that ive paid the balances that i owed them with a settlement amount that closes the debt. They keep reporting to XXXX and XXXX as a open degeragorty which is extreemly hurting my score. They keep saying they are gon na fix it but they have n't fixed anything as they promised. I 've been denied credit because of this open degeragorty. They are reporting it wrong..
Consumer complaint received 2017-10-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Risecredit, LLC (UT)

I 'm putting this in writing so that it is on the record to go with the complaint the I have filed with the Consumer Financial Protection Bureau and the XXXX XXXX XXXX. I called the toll free number and spoke with some in your office, stated that I want my account closed and all information that I provided digitally shredded. I was told by your employee that they could not do this, that it was against the Fair Credit Act to do so. This is not true. So I have filed a complaint with the above agencies and I may also file a legal complaint in Federal court. I do not trust your company with my data and with all the data breaches there have been, for have information that there is no reason for you to still have as I will never do business with your company. Also make sure that I 'm put on the DO NOT CALL, MAIL, or EMAIL list. You need to digitally shred my banking information as you DO NOT have any legal right to have this information. Also you are put on notice that if ANY breach is made at a later date, that you will be fully responsible for anything from this breach. And that you will be liable both civilly and criminally, as you choice to keep this information. Sincerely, XXXX XXXX
Consumer complaint received 2017-10-13
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. (TX)

All three major credit bureaus have illegally hoarded my person information without this Consumers expressed written consent. EQUIFAX WITH A SECOND HACK ON XXXX2017. I 'M IRRITITATED. Pursuant to the 1974 Privacy Act all 3 credit bureaus violated all privacyrights and allowed personal information to be leaked due to their and false misleading ways. According to the Fair Debt Collection Practices Act all three credit bureaus maliciously and collectively shared this Consumers personal information to make trillions of dollars by selling it to various debt collectors, employers, financial institutions, and a host of others. My wish is to demand on my behalf that all 3 credit bureaus remove all of this  Consumers social security number, date of birth, financial accounts or credit/debit card numbers, driver license number, detailed health or medical history or similar sensitive information. All relations with these 3 credit bureaus are now in question for reporting fraudulent information to disgrace this Consumer. Consumer wishes for damages of XXXX XXXX dollars from all 3 credit bureaus for their Treasonous deeds and all will be forgiven. Consumer would also like thank thr Consumer Finacial Protection Bureau for protecting her/his Personal, Family, and Household.
Consumer complaint received 2017-10-13
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (NJ)

I ordered furniture with this card and they immediately closed my card because they said it was fraud. I then called and verified my information and they said my card was fine and reopened. But then I got an alert on my credit report that the account was closed and it dropped my credit score.
Consumer complaint received 2016-07-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (OH)

On XXXX XXXX, XXXX, I made arrangements with the following companies : XXXX XXXX # XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX, XXXX XXXX # XXXX to settle my outstanding debt with XXXX in exchange for my payment the company agreed to remove the account and all references from their records and the XXXX credit bureaus ( XXXX, XXXX and Experian ). As agreed I sent the checks and a letter to support that the payments were a part of our agreements. After 60 days I noticed that my Experian credit report was not updated to reflect the agreements and the items are still being reported as delinquent accounts. On XXXX XXXX, XXXX, I filed a dispute with Experian Credit bureau and I sent a copy of the agreement letters, proof of delivery, bank check payment verification for all of the accounts listed. As XXXX XXXX, XXXX Experian has not removed any of the accounts from my credit report, they have not sent any documentation to support that they have ever fully investigated my complaint, they have not responded to any of the proof that I sent that the accounts were paid in full and per the written contracts between me, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX the debts are being illegally reported and are not mine once they accepted the terms of our agreement by cashing the checks. XXXX XXXX withdrew the money as an ACH from my personal bank account although I sent them a check via US Postal mail and they received a physical check. My credit bureau disputes are being ignored and my consumer rights have been violated.
Consumer complaint received 2023-02-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (MN)

I have a business account with Wells Fargo. I reported fraud. I called WF to let them know that my purse was stolen with all my information and ID and credit and debit cards, and my cell phone. My business acoount at that time have XXXX balance and WF allowed to this fraudster to used my bedit card and withdraw XXXX on XXXX2023 4XXXX times total amount {$810.00} and WF charge me XXXX for each transaction. And my account is negative right now because I am not willing to pay something i did spent PLUS there was NO FUNDS on my account. I had call WF many times and they told me over and over We denied your claim because we believed ITS not fraud! I email the little proof i have that my purse was stolen and I emailed the information from my verizon insurance were it says they are replacing and send a new phone due stolen device. WF told me we received your email with this proof but still believed its NOT FRAUD.
Consumer complaint received 2017-10-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: WELLS FARGO & COMPANY (MS)

In XX/XX/XXXX I informed Wells Fargo that I was hospitalized at XXXX  XXXX in XXXX. 2 days later Hurricane Harvey hit. I made partial payments as promised. They closed my account XX/XX/XXXX and even attempted to collect from my savings account causing that account to be closed. Now Ive been hit by Hurricane Nate at my own residence. I have tried to discuss this but to no avail, I keep getting transferred and spoke to 3 different people who could not help me on my last phone call. A similar thing happened to me with Wells Fargo on my business account. I was a victim of fraud-it took the bank longer than 30 days to investigate and they closed my account, although it was shown that I was indeed a victim of fraud. Not to mention, my account has been compromised so many times and I am the victim. Wells Fargo has been my bank since aroundXX/XX/XXXXand loyalty to customers obviously mean nothing to them. I have been harmed by their actions and was just notified tonight via email and online message that my accounts were closed. This is unfair and unscrupulous. I am a military spouse as well and this should never happen to a customer. Then they refuse still to work with me while Im experience such traumatic losses.
Consumer complaint received 2015-07-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (TX)

i disputed XXXX public records on my credit file with experian, XXXX district XXXX, XXXX co XXXX, XXXX, XXXX, XXXX, experian verified the information, experian said if i had questions contact the courthouse, so i contacted them the lady i spoke too said they dont verify anything with the credit bureaus, so experian didnt do a real investigation, thats fcra violation and the accoutns should be removed.
Consumer complaint received 2016-12-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (MD)

I completed and signed a foreclosure settlement with XXXX XXXX XXXX on a property through my attorney on XXXX/XXXX/XXXX. Shortly after, another lender I do not know and never had any dealings with named " XXXX XXXX XXXX '' began sending me default notices and late payment bills after the settlement agreement was recorded on XXXX XXXX. I was never able to get in touch with XXXX or find out how they are involved. Since then, my credit report shows both " late payments '' and " foreclosure '' listed under also XXXX XXXX management, in addition to the late payments listed for XXXX, with identical origination dates. In other words, the settled debt it is now listed as duplicate on my report -- once as XXXX and again as the XXXX company who I 've never had dealings with. After many letters to all XXXX Credit reporting agencies requesting verification, I was successful in removing XXXX entry from the XXXX CRA back on XXXX XXXX. Unfortunately after repeated requests to investigate, incorrect information remains unchanged on both my Experian and XXXX reports and neither CRA has given me documentation of any debt owed to this XXXX company. I have attached my foreclosure agreement I signed XXXX/XXXX/XXXX and also credit reports of Experian and XXXX showing the incorrect XXXX entries on my credit report.