davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-27
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 (FL)

XX/XX/2019 I ordered one bottle of vitamins online thru an ad pop up using my Discover card, I received 2 bottles and was charged for both. I called the company and the lady said you have to have both. I said no I will return it, she said no returns and hung up. I called Discover card and the lady said call company and tell them cancel and send a confirmation via email. I called and the lady screamed at me, '' you can not cancel '', and hung up on me. I called Discover back told CSR what happened and the {$4.00} x 2 charges were credited back to me. 
2 months laterXXXX, I get 2 charges of {$89.00} charged to my account from the XXXX company. I called Discover and told them cancel my card or stop this company from charging me. I have no products or services for this charge and I told them to cancel my account in XXXX. I was told to call the XXXX company so I did, they said I got my Discover card involved and I can not call them, XXXX, and hung up on me. Discover card credited the two charges and told me there is a stop charge from XXXX and they can not charge anything to my account anymore. 
The following week, XX/XX/2019, I was charged {$94.00} x 2 from XXXX. I once again called Discover and told them no products or services are being received from this company and they were not supposed to allow any more charges from them. They said we really can not stop them from charging anything. But she credited me the two charges. 
The next day I received a package from XXXX  which I refused and the mailman took it  back. 
My XXXX bill from Discover card has all these credited charges reinstated on my bill. The Discover CSR said XXXX disputed the credits so I have to pay them. I have no products or services for these {$360.00} charges. 
I wanted to talk to a supervisor and wanted copies of all Discovers investigations into this company and disputes and was told No. I asked for a supervisor and was put on hold and after 5 mins I hung up. I tried numerous times to get a supervisor and was told someone will call me back in 72 hrs, no one ever did. I called again and same thing, someone call me back in 72 hrs. That last call to Discover was XX/XX/2019 and it is now XX/XX/2019 and no one has called me back I pay my bills on time and have very good credit. Discover card took the word, with out an investigation apparently, of this non reputable company, XXXX, that another Discover CSR rep told me they have many complaints with, and continue to charge me for products and services I do not have or did not get.
Consumer complaint received 2022-12-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP (CA)

On XXXX, I submitted an online application to US bank for Easy Checking account with a promotion of {$400.00}. 

On XXXX, I called to inquire about the account status, and the agent indicated that the application was under review. I called again on XXXX to cancel the application since the promotion expired on XXXX. The agent mentioned that I am still eligible for the XXXX promotion since the delay was on US bank, I am still eligible for the promotion. He placed me on hold and talked with a supervisor. He returned with the same information that the supervisor stated I am still eligible for the promotion. He opened the account with the XXXX promotion and indicated that I would get the promotion as advertised. He apologized for the delay in opening the account. 

Unfortunately, US bank has refused to honor the promotion even though I've met all the eligibility requirements. 

Requested resolution : Please honor your commitment of a {$400.00} new account opening bonus.
Consumer complaint received 2022-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In Accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX Account no. XXXX, Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction. XXXX : In Accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX Account no. XXXX, Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction. XXXX : In Accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX  Account no. XXXX, Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction.
Consumer complaint received 2022-08-01
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (CO)

I have been trying to get a hold of XXXX  XXXX XXXX services, by Comenity bank for three weeks. Today was the first time my call was not disconnected automatically. The rep sent me a link by email but it still loads and loads and then says I can not login, their site says " sign in is not available at this time ''. How can I manage my account and pay my bill if your site does not allow it?
Consumer complaint received 2022-01-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (FL)

I am currently a Wells Fargo customer. On XX/XX/22 I visited a Wells Fargo back on XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. I used the ATM in from of the building by the front entrance. I put on my card, entered my pin and requested {$320.00} dollars from the machine. I counted the money in front of the ATM and found I had received {$170.00} instead. I then looked at the receipt and it said that the machine had dispensed {$320.00}. confused I went back into my car and asked my friend who was in the car to count it for me. he too counter {$170.00} and confirmed that I was {$150.00} short. I then called the Wells Fargo customer 800 number to report the issue. I was advised that the issue would be investigated and that I needed to allow 10 business days. If the issue was not resolved after 10 business days, then I would receive a credit. on XX/XX/22 I received an email stating that the investigation had been completed. I called XXXX and spoke with XXXX. he stated that the investigation was completed but that the claim was denied and that I would not receive the {$150.00} that was owed to me. I asked to have the issue escalated and spoke with XXXX, a claims representative. she again stated that the claim would be denied. I asked for the issue to be escalated and XXXX stated that the issue would be escalated to the corporate office.
Consumer complaint received 2021-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (NC)

Fedloan Account # : XXXX Wondering why you are reporting that I am 120 days late? Please also provide through this system the date of 1st delinquency, or the day/month/year I was 30 days late and never again came current? 

Why are you still reporting this account? Personally, this account seems to have aged out and can no longer legally be reported!! 

Furthermore, You have not supplied TransUnion with a date of last payment, you have left it blank, therefore another FCRA infraction.
Consumer complaint received 2022-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

XXXX XXXX ACCNT # XXXX 30 days late in XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, 60 days in XX/XX/XXXX. 

I, therefore submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time. Hoping that I could get some favorable news after this investigation.
Consumer complaint received 2019-12-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Colony Brands, Inc. (AR)

ONCE AGAIN XXXX  IS THE ONLY BUREAUS INACCURATELY REPORTING 4 RETAIL CREDIT CARDS, NOT INSTATLMENT LOAN TYPE AND THESE 4 ARE OPEN AND NOT IN BK.SEE ATTACHED.XXXXOLONY BRANDS/GINNYS NO.XXXX-SWISS COLONY  XXXX, AND XXXX, XXXX XXXX.
Consumer complaint received 2022-08-01
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Capio Partners, LLC (TX)

ON XXXX ASSET CARE LLC. CALLED MY PHONE NUMBER XXXX. THEY WERE ASKING FOR ANOTHER PERSON. I TOLD THEM THIS PHONE NUMBER BELONGS TO THEM. I ASKED THE REPRESENTATIVE FOR THEIR MAILING ADDRESS. COMMON SENSE HERE. IF I ASK FOR THEIR MAILING ADDRESS, SEND THEM A LETTER IN WRITING LETTING THEM KNOW THIS NUMBER BELONGS TO ME, THE NEXT TIME THE FILE GOES TO ANOTHER DEBT COLLECTOR, THEY WILL KNOW THE NUMBER NOW BELONGS TO ME, XXXX XXXX ( AND NOT TO CALL ME ). I HAD TO PULL TEETH, THAT IS I HAD TO ASK SEVERAL TIMES FOR THEM TO FINALLY GIVE ME THEIR MAILING ADDRESS. IT IS ABUSIVE, UNFAIR, DECEPTIVE, AND ILLEGAL FOR THEM TO NOT GIVE ME THEIR MAILING ADDRESS. DISPUTING THE DEBT IN WRITING HELPS, AS IT DOES FILING A COMPLAINT WITH THE CFPB. I ALSO WANT THEM TO SEND ME A COPY OF THEIR DNC POLICY. THEY SHOULD HAVE CHECKED TO SEE IF MY NUMBER WAS RECYCLED AND IF IT WAS REGISTERED IN THE DNC REGISTRY.
Consumer complaint received 2022-06-09
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: Exeter Finance, LLC. (FL)

I received an alert on XX/XX/2022 of an inquiry that I did not consent I quickly contacted the company and spoke to someone asking how was an inquiry placed on my credit report without my consent. I was told that I was shopping for a vehicle and I have no understanding on how this inquiry was added to my credit file because I am not shopping for any vehicle loans and havent ever since. This is a fraudulent inquiry and it should be investigated and removed. I have not given my consent digitally verbally or in writing to place inquiries on my consumer report there for that is a violation of my privacy rights and without consent.
Consumer complaint received 2021-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

An account with the XXXX XXXX XXXX was opened fraudulently, without my consent. I went through a year-long investigation with the XXXX XXXX XXXX after which they concluded that the account was a fraud account. I received a letter on XX/XX/2021 confirming it was a fraud account, and since then they have failed to delete the account from my credit reports. I received a second letter dated XX/XX/2021, confirming they have now sent deletion requests to the major credit bureaus. When I have tried to contest and delete these items myself, the bureaus have failed to comply despite providing copies of Police Reports, Identity Theft Affadavit, Correspondence with XXXX XXXX XXXX and the two letters from XXXX XXXX XXXX  confirming the account was fraud and that it should be deleted. Copies of these letters are enclosed.
Consumer complaint received 2022-06-09
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credence Resource Management, LLC (CA)

I started Service with XXXX and cancelled 7 days later. They billed me incorrectly for the services I received. 

I called 3 times to correct the matter - every time agreeing on the phone that they would change the amount to the correct amount. 

I never received the corrected bill amount or given the opportunity to pay over the phone by XXXX, and instead was contacted by a debt collection agency, trying to collect the incorrect amount. 

The debt collection agency is Credence - and noted that it could appear on my credit, and tried to collect the incorrect amount, {$130.00}.
Consumer complaint received 2022-12-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Overdraft, savings, or rewards features — 
Company: Paypal Holdings, Inc (IL)

My Paypal account is XXXX Paypal sent me the email in XXXX but I still can't withdraw my money. 
" Status of your PayPal funds Your PayPal funds are now eligible for withdrawal. 

To withdraw funds from your account, please log in to PayPal. 

As a reminder, access to your account will remain limited until you perform the steps required to lift the limitation. 

While access to your account is limited, you may : * place logos into your auction listings or on your website * update your account information * withdraw funds from your account You may not : * send or request money * receive payments * add funds to your account * close your account Thank you for using PayPal. ''
Consumer complaint received 2022-08-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (TN)

***I am making this complaint and not made through a third party. *** Sporadically, when utilizing the Chase app, it requires that I confirm how my spouse and I wish to receive statements. 

The issue is is that when doing so I have reselect paper statements each time as it defaults the radio button to electronic. 

It is an intentional act from Chase to default it to the electronic selection because it is cheaper for them. I find it deceptive that Chase continually selects a preference I do not want and does it periodically in the hopes that I accidentally select an item I do not want.
Consumer complaint received 2021-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

There is some errors on my credit report Already contacted Experian and sent them letters.along with a copy of my credit report, federaltradecommision report, police report, but they still refuse to correct my credit report. There is a name Address, birthdate, social security numbers, credit card account. 
I also already contacted XXXX XXXX XXXX About the credit card, but they refuse to close the account. 
Also, I opened a IRA account with XXXX edge, a few months later they added that persons name and address to my account And have blocked my access to it. 
Contacted them on several occasions but all they tell me is that is under investigation.its being almost 3 months now! Im really concerned!!
Consumer complaint received 2021-12-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc. (NC)

This is regarding the issue in complaint XXXX submitted XX/XX/21. 

At the time, they responded " XXXX XXXX, We have received your complaint and it is important to us. The CBE Group ( CBE ) submitted your complaint to our client and ceased collection activity on the account placed in our office for collection. Requests for deletion of our trade line have been submitted to the three major credit reporting repositories ( XXXX, XXXX, XXXX ). Sincerely, XXXX XXXX CBE Compliance ''. The complaint was then closed. 

However, I am still receiving communication from their debt collection agency, XXXX XXXX, as of today, XX/XX/21, via text message, meaning they did not cease collection activity.
Consumer complaint received 2019-12-23
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. (ND)

On XX/XX/2019, I received a letter from Equifax marked Confirmation # XXXX about a complaint I had filed with them concerning two hard inquiries on my report from XXXX XXXX, which they claim was reported to them as accurate, and that they had investigated to make sure these inquiries were indeed factual. On XX/XX/2019, I received a letter from XXXX XXXX about my questions about their inquiries to my credit report, and they state that the inquiries were not made by XXXX XXXX on the dates of the report. I feel this is a breech of service by Equifax, and this is a negligent act on their part.
Consumer complaint received 2022-06-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION (NC)

I was persuaded by XXXX XXXX to send him money through XXXX from Navy Federal Bank Account to him for a catering service. I sent him a total of XXXX payments the first payment I sent was on XX/XX/2021 for the amount of {$420.00}. The second payment was sent on XX/XX/2021 for {$180.00} and XX/XX/2021 for {$510.00}. XXXX XXXX cancelled the day of the event XX/XX/2021 and stated he would reimburse me for the full amount. He has since stopped communicating. There is a warrant out for his arrest with XXXX XXXXXXXX XXXX police department.
Consumer complaint received 2022-08-01
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: ALLY FINANCIAL INC. (GA)

To Whom It May Concern, I am a victim of identity theft and have enclosed a copy of my identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence.
Consumer complaint received 2022-06-09
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: V and H Portfolio (KS)

Vance and Huffman , LLC, XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Fax Numbers ( XXXX ) XXXX Fax Phone Numbers ( XXXX XXXX XXXXOther Phone ( XXXX ) XXXXXXXX XXXXXXXX XXXX XXXXXXXXXXXX They have been trying to collect on an auto loan that has been paid off. XXXXXXXX XXXX XXXX XXXXXXXX balance {$8900.00} date opened XX/XX/2021 for XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2021-12-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (NM)

Almost impossible to access Discover Credit Card website since late XX/XX/2021 in order to monitor activity. I keep getting the message that it is down for technical reasons though occasionally I do get through. I try different browsers at different times. My son, a IT expert has helped me with this and he too could not find a way. I have sent messages to Discover to no avail.
Consumer complaint received 2021-12-16
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

On XX/XX/2021 I informed The consumer reporting agencies, XXXX, XXXX, and Equifax of inaccurate reporting of my credit file. It is now over 30 days and they have not provided me a response. They are negligently violating my federally protected consumer rights.
Consumer complaint received 2022-08-23
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Southwest Credit Systems, L.P. (IL)

I first received a letter from Southwest Credit Systems, L.P. on XX/XX/2022 however I did not recognize the debt because I know I owe nothing to XXXX  as I never used their services and returned the phone back to them without using it. They told me I wouldnt be charged and at the time I believed them. I sent out a cease and desist letter to Southwest Credit System , L.P. on the same day when I received the letter but that didnt stop them from mailing me for the second time today dated XX/XX/2022, attempting to collect my debt again after I have requested for them to refrain from contacting me. I have all evidence that you may need included.
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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

After reviewing my report and contacting these companies they are stating I do not have a file/account with them at all. Unsure to why inquiries are on my report. 

XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Transunion-XXXX File number XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-16
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CT)

I have disputed negative items on my report multiple times almost close to XXXX times the bureaus have not sent me no letters to verify these items on my report I have not been given anything I have been calling and been giving the run around repeatedly this is very disheartening because I can not get my house until my credit is fixed please look into this matter immediately