davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-10
Product: Credit card — Store credit 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: CITIBANK, N.A. (FL)

I purchased a necklace : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from Macys for {$160.00} plus taxes using my Macys store credit card on XX/XX/XXXX as a XXXX present for my son. In the following four weeks, the necklace turned brown. The website description states that the necklace is 14k gold over sterling silver. Gold and silver do not turn brown. When the necklace turned brown, it also turned my sons neck green where it sat on his skin. I contacted Macys and explained the situation and they approved the return for a full refund and issued me a prepaid return shipping label. The item was shipped back to Macys on XX/XX/XXXX and on XX/XX/XXXX, Macys shipped the necklace back to me. I called the store back and they apologized and reissued me a new prepaid return shipping label and said they made notes on my account to accept the returned necklace and issue me a full refund back to my Macys credit card. However, on XX/XX/XXXX, Macys shipped the necklace back to me again but under a different customers name. I do not recognize the name in which the package was under. I called Macys again and spoke with one representative and two different managers who stated that Macys should have never accepted the return because it was returned after XX/XX/XXXX. Even though two other customer service representatives approved the return, that it did not matter because they updated their return policies and were no longer accepting these returns and the other representatives would be educated to the new policies to avoid further misinformation. I explained that the website has the item listed as 14k gold and sterling silver, but the item is not either of these metals. They denied the return. After this, I reviewed the description again on the Macys website and learned that this has been an ongoing problem for many other customers purchasing the same product and Macys denied them as well.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ONLINE Information Services, Inc. (GA)

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : ONLINE INFORMATION SERVICE Account number : XXXX
Consumer complaint received 2023-02-08
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY (CA)

I had an XXXX XXXX with Wells Fargo, my car was XXXX the auto fees didn't seem to be correct. It XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX In accordance with the Fair Credit Reporting act 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-03-11
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

When opened we were informed that each dollar spent earned XXXX point equalling XXXX XXXX per point to redeem towards travel expenses and restaurants no limits. Regardless when the purchase took place, no difference if purchased now or XXXX years ago. However they changed the terms without informing and only keeping charges made within 12 month. Ignoring grandfathered accounts and at the same time if points not used voiding them.
Consumer complaint received 2024-03-11
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (GA)

I am writing to bring to your attention a persistent issue I have encountered with Comenity Capital Bank regarding an overpayment made on XX/XX/2024. Despite numerous attempts to resolve the matter directly with Comenity Bank, the situation remains unresolved, prompting me to seek assistance from your esteemed office. 

On XX/XX/2024, I made a payment to Comenity Capital Bank to ensure the timely fulfillment of my financial obligations. However, due to an oversight, I inadvertently made a duplicate payment to the same account. Upon realizing my error, I promptly contacted Comenity Bank to request the reversal of the overpaid funds. 

Since then, I have diligently communicated with various representatives of Comenity Bank, including XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and supervisor XXXX, in an attempt to rectify the situation. Each representative assured me that the reversal process would be initiated promptly, but regrettably, the overpaid funds amounting to {$710.00} have yet to be credited back to my bank account. 

I have provided a detailed record of my communications with Comenity Bank representatives for your reference : XX/XX/2024 : XXXX assured me that the payment would be reversed. 
XX/XX/2024 : XXXX claimed that the matter had been resolved. 
XX/XX/2024 : XXXX promised to investigate the refund but failed to follow up. 
XX/XX/2024 : XXXX informed me that the refund would take 10 days. 
XX/XX/2024 : XXXX reiterated that the refund should take 10 business days. 
XX/XX/2024 : Despite assurances from XXXX and XXXX, no resolution was reached. 
XX/XX/2024 : XXXX promised to follow up within 24 hours but failed to do so. 
XX/XX/2024 : XXXX attempted to transfer me to a supervisor, XXXX, who promised to investigate further but never followed up. 
Given the repeated assurances from Comenity Bank representatives and the prolonged delay in resolving the issue, I am seeking the intervention of the Consumer Financial Protection Bureau to facilitate the prompt return of the overpaid funds. 

I kindly request that your office investigate this matter thoroughly and take appropriate action to ensure that the {$710.00} overpayment is credited back to my bank account without further delay. 

I appreciate your attention to this matter and anticipate a swift resolution.
Consumer complaint received 2022-06-16
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: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"
Consumer complaint received 2024-03-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Duvera Billing Services, LLC (NJ)

I've received aggressive collection attempts from DUVERA BILLING SERVICES regarding a debt for insurance premiums owed to XXXX. Despite disputing the debt and informing them they're not licensed in New Jersey, they continue their efforts, causing undue stress. 

Their actions violate the Fair Debt Collection Practices Act ( FDCPA ), specifically USC 1692e, by engaging in deceptive collection practices. I request CFPB intervention to stop their unlawful actions. 

SUPPORTING DOCUMENTS ATTACHED REPRESENT MY CLAIMS IN THIS ERROR
Consumer complaint received 2024-03-11
Product: Debt collection — Rental debt
Issue: Communication tactics — Frequent or repeated calls
Company: Law Office of Brett M. Borland, P.C. (FL)

I have received endless communication from the Law Office of Brett M. Borland , P.C . ( XXXX XXXX XXXX XXXX, GA XXXX ) regarding a debt that does not exist. They continue to note that they are acting on behalf of XXXX XXXX XXXX, in XXXX XXXX, FL, which is my previous residence. I have communicated to the law office on multiple occasions that there is no debt. XXXX XXXX XXXX also confirmed to me that there is no outstanding debt. 

This organization has no cause for contacting me, yet regular demands that I pay them almost {$600.00}.
Consumer complaint received 2022-06-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Credit Payments have not yet updated, although payments were made. Made payments to two of my Capital One cards, received confirmation of payment from one of my XXXX XXXX  accounts, some of my Capital One Bank Cards, and one of my XXXX XXXX XXXX XXXX accounts, but it didn't update the credit when payment made as was with XXXX XXXX XXXX accounts made in similar time frame. All payments made at similar time, and in a similar way before any deadline, and want to ensure properly credited on day payment made. What is the issue?
Consumer complaint received 2022-06-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (SC)

Hello, I have been trying to contact all three credit bureaus to get the XXXX and XXXX alerts removed. I have had no success with getting anyone on the phone and their automated system has not been working out well for me. Please remove those alerts asap so that I can move into my XXXX. Thank you.
Consumer complaint received 2024-03-11
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Colony Brands, Inc. (TN)

i ordered a ring in XXXX XXXX the ring came. it had no stone in the middle. i also ordered a family ring it never came. i called them. They gave me credit for the ring I never received. besides they were out of stock to reorder. I got the ring again the second day the stoine fell out! I called again and said that I just want to return the ring and just close my account out because the jewelry was constantly breaking and not up to part. The guy said ok. i asked them to ship me a return label for the jewelry. they did. I mailed the jewel back to them in the labeled return package. I assumed that it was returned because I never heard back from them.
Consumer complaint received 2022-06-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Account Name : XXXX XXXX Services Account Number : XXXX XXXX accordance with the Fair Credit Reporting act 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-16
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Neon Newco Corporation (CO)

On XX/XX/2022 i purchased from XXXX XXXX  # XXXX located XXXX XXXX XXXX XXXX XXXX, co XXXX their money ctr XXXX for {$500.00} total of purchase {$500.00} to pay my weekly rent before it was XXXXWent to library tried activating card online to no avail.was prompted to XXXX code also given that was never asked for even after i advised i was given a code. # XXXX was forced to XXXX  due to not being able to pay my rent, which caused other bigger problems.XXXX  due to not resting and or the stress and strain anguish this non activation of the card i bought and purchased for a fee in a XXXX  XXXX XXXX XXXXThat is illegal and a fraud scam to have a card for concumers to purchase taking their wages and a portion of their pay check in trust to pay a bill that could only be paid with a debit or credit card.Now im out onthe streets with no job because your netspend card would not allow me to activate it holding onto my $ XXXX can upload from my cell phone a picture of the reciept and card.
Consumer complaint received 2022-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX In accordance with the Fair Credit Reporting act 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

There is a current account under collections that belongs to an account previously removed from my credit report by XXXX XXXXXXXX XXXX as this account didn't belong to me. 

XXXX XXXXXXXX bank and all XXXX major credit reporting agency has failed to correct this information for the last past XXXX years. 
Account in Collections XXXX XXXX XXXX HAS BEEN ON MY FILE SINCE XXXX  ORIGINAL DEBTOR XXXX XXXX BANK REMOVE ERROR ACCOUNT FROM MY PROFILE BUT XXXX XXXX XXXXXXXX AND EXPERIAN HAS FAILED TO CROSS REFERNCE AND TAKE THIS OFF MY ACCOUNT. 

XXXX OPENED XXXX {$300.00} SHOULD NOT BE ON MY REPORT AS THIS IS INCORRECT THERE IS NO DEBT WITH ORIGINAL CREDITOR. 
REMOVE
Consumer complaint received 2022-06-16
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. (FL)

Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX In accordance with the Fair Credit Reporting act 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-11-04
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. (AZ)

Hello my name is XXXX XXXX and Im filing this complaint on behalf of myself and THERE IS NO UNAUTHORIZED THIRD PARTIES INVOLVED. I sent a dispute letter to EQUIFAX on XX/XX/2021 pointing out the exact inaccuracies on my credit report only for them to not truly investigate the matter. Are they even truly conducting investigations or are they just automatically verifying things without conducting an investigation as required by law?
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 — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I submitted a FTC report on XX/XX/XXXX because I am a victim of identity theft. I have yet to receive a response from you regarding the accounts on my report. According to section 605 B, they should have been removed within 4 days of receipt of this letter. I also have learned that I was subject to the data breach in XXXX which exposed me to even more danger. These adverse accounts have affected me enough and need to be removed immediately.
Consumer complaint received 2021-02-25
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. (VA)

I reached out to XXXX XXXX and asked for them to remove the 5 late payment remarks on my credit report in 2019. The company stated yes and that I will see the update in 30 days. The processed the request. I called back to check on the status and the representative stated it was still being processed. I reached out again after waiting and the next representative said NO it will not be done. XXXX XXXX lied to me. I have been a card holder for almost 8 years. I had/have XXXX XXXXXXXX on my account which covers when my account gets behind and keeps me from going delinquent by paying my balance. I had XXXX XXXX claim approved at the time because I was in a car accident XXXX XXXX stated they would perform a removal and then refuses to uphold it.
Consumer complaint received 2023-02-08
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. (TN)

When I reviewed my credit report once again, I discovered that some of the information was still erroneous. The 3 credit bureaus must validate these accounts, It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report Here are the aforementioned accounts : XXXX XXXX XXXXXXXX Balance : {$300.00} XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX Balance : {$18000.00} XXXX XXXXXXXX Balance : {$22000.00} XXXX XXXX Balance : {$870.00} XXXX  XXXX XXXX Balance : {$300.00} XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX XXXX Balance : {$430.00} XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$300.00} XXXX XXXXXXXX XXXX Balance : {$300.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$300.00} XXXX XXXX Balance : {$870.00}
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: SUNRISE CREDIT SERVICES, INC (FL)

On XX/XX/XXXX I sent credit reporting agencies and collections companies Identity Theft Report, informing that I am a victim of identity theft and the alleged accounts. This is not misrepresentation I am victim of Identity theft. I further explained this is not a mistake or sent in error. The items found without my credit report I listed are not related to any transactions that I made. I am alleging that a person or company- without my authorization or consent - used my personal identifying information to apply for good, services, or money, and, was successful in creating some accounts. I instructed that I would like to have those accounts blocked and removed expeditiouslyXXXX XXXX XXXX XXXX XXXX XXXX SUNRISE CREDIT SERVICE, AND XXXX XXXX. Explained the alleged debt is not mines and if they do please provided a prompt reponse or proof under penalty of perjury you were present during the opening of these debts. I have not received reponse yet. So I am demanding these account be removed.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRUIST FINANCIAL CORPORATION (MD)

Over the pas XXXX years I have discovered that on every occasion where I applied for credit that there was more than XXXX hard hit on all of my credit reports. I believe in the national scoring system, but its the national banks that abuse the inquiry process. There should never be more than XXXX hard hit per application. Therefore, I must submit my complaint through the Consumer Financial Protection Bureau. This attached complaint makes a request not only for the original inquiry, but but all inquiries collectively as a basis of fairness. There should only be XXXX hard hit inquiry per application. DELETE THESE INQUIRIES!!!
Consumer complaint received 2024-03-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (FL)

On XX/XX/year>, I made a payment from my bank account to American Express of {$2000.00}. I have contacted American Express multiple times about the payment, but they claim they do not have the payment on file in their system. I have tried to make numerous disputes, but I have made no progress with the American Express seeing my payment on record. I have contacted my bank and looked through my statements, and they confirmed that I sent the money to American Express on the date that American Express claimed that I didnt. I opened disputes with them on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/year>, And all were closed Without contacting me for more information.
Consumer complaint received 2022-06-16
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

Hello I had water damage, and the insurance paid the claim. I signed the insurance check over to PHH for the repairs. The work has been completed now PHH will not release the funds of the check I signed over for the cost of the repairs. The contractor did the work, and I do not have the money to pay, and PHH is holding the money. I call PHH and get put on hold, with no payment to the contractor. This keeps me up at night. 
Thank you for your help.