davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CULLEN/FROST BANKERS, INC. (TX)

XXXX XXXX XXXX XXXX  TX charged my checking account with a {$250.00} security deposit then offered me an uninhabitable apartment which someone had taken a sledgehammer to and smashed the dining area window and the balcony floor cracking it to the point that I could see the patio of the apartment below through the huge cracks. The apartment manager told me she would put me on a waiting list then never called and did not return any of my many calls requesting an update on the status of my waiting list position. I have since located other living arrangements and have a move-in date for next Wednesday XX/XX/XXXX. I contacted the apartment manager through their website but have not received a response in regard to my request for a full refund of the security deposit and have requested my bank to refund the money to my account through an EFT dispute. My bank account is overdrawn, and I need the money returned to my account urgently.
Consumer complaint received 2024-10-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (TX)

Money was sent to wrong account XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX total transaction amount of {$41000.00} transactions in XX/XX/XXXX {$1800.00} XX/XX/XXXX {$400.00} XX/XX/XXXX {$1800.00} this funds coming from XXXX XXXX XXXX XXXX  XXXX XXXX cash app refuse to reversal my refunds even they responded but no further action my case was close by you all company so I need for u all resolved this issue got a brown envelope today through the mail about my summary copies of my closed complaint status of my case from cash app so what the next steps ahead saying closed withexplanation what that mean so is u all XXXX help receive my funds back or not very upset and stress out please tell them to take up this issue u all take enforcement action been harmed as a customer
Consumer complaint received 2020-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

After reaching a debt settlement agreement in XXXX XXXX XXXX Civil court, I commenced with the payments to XXXX XXXX as scheduled. For the final payment, they applied my payment to the wrong account and commenced collections on that account as a result. I have repeatedly submitted check images, court discharge paperwork, records of all payments, and fulfillment of my debt to XXXX XXXX directly, to all 3 major credit repositories, my credit counselling service ( freedom debt relief ), and to my legal counsel ( XXXX XXXX XXXX XXXX ) who claims to have confirmed the error with the opposing counsel at XXXX XXXX. However, XXXX XXXX has claimed a non-payment penalty every 30 days ( without sending notice to me ) for several years, reports non-payment and increasing outstanding balance to the credit repositories, and refuses to comply with the court ordered settlement agreement. My counsel doesn't respond to my inquiries. The credit repositories always find my requests for investigation in favor of XXXX XXXX. With 3 years with a constant non-payment on my record, I have been denied refinancing my mortgage and increasing my credit limit with my remaining accounts multiple times.
Consumer complaint received 2023-03-04
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: Convergent Resources, Inc. (IN)

I did not give you consent to contact me or to give derogatory remarks on my credit report. I am not liable for this debt. My debt is not Convergent Outsourcing with My debt is with the original company. I did not give you consent to contact me! You are in violation of my consumer protection rights. I did not sign and legal form with Convergent Outsourcing to attempt to collect a debt from me. 

15 U.S.C 1692 C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S.C 1692 C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S.C 1681 Section 604 A Section 2 it also states consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) I did not give you permission to contact me in any way shape or form. 
I demand that you take all derogatory marks off all three credit reports or I will be forced to file legal action. 

Delete these accounts from my all 3 bureaus of my credit report immediately. And cease all communication via any forms of communication immediately. Also, all future attempts to collect this debt must stop. 

I dont have a written contract with your company to collect this debt and you have violated my rights for years. 

Please cease and desist all calls and contact with me, immediately! 

I DEMAND YOU STOP CONTACTING ME AND TAKE ALL DEROGATORY MARKS OFF ALL 3 CREDIT BUREAUS IMMEDIATELY!
Consumer complaint received 2020-01-24
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: JPMORGAN CHASE & CO. (OR)

My issue just occurred the evening of XX/XX/2020. The location ; XXXX XXXX XXXX XXXX of XXXX, Oregon. I stopped in to do a bit of window shopping and get some pricing on a new Truck. I had my XXXX XXXX as a trade in along with a {$5000.00} deposit. They informed me that they would have to run a credit check. I advised the dealership that I was currently restoring my credit and that I could not have anymore hard inquiries on my report because I'm currently working on getting my VA home loan in order. That requires a minimal credit score in order to qualify. I've worked my XXXX off for the past 3 years to get to this point. The moment I get everything paid off and ready to move forward to the next phase, these guys pull this shady business. I authorized only one credit check to be processed, and that was through the Federal Credit union I use. I had already talked to my bank in advanced about my plans on trading in my car and financing it through them. All was agreed on, and I set out to find my new truck. I guess the dealership had other plans for my credit, because even after I had told them, a half dozen times, that my credit only had room for maybe one more hard inquiry before disqualifying my VA Loan. I guess none of that mattered to them, because they went ahead and decided to push through every inquiry they could to find a financial lender. They did find a bank that would finance me, but it wasn't the one I requested. In matter of fact, the bank I requested, wasn't even put in the inquiry list of potential financial options. I'm not sure how legal any of this is, but I feel as if I was just cheated out of 3 years of dedicated work fixing my credit and to build a life. I've contacted the Dealership and in the process of contacting the financial groups to inform them of the unauthorized credit inquiry that was falsely allowed to be processed. Permission was given to inquire about my credit report for only one institution. It seams I was purposely mislead and provided false information by the salesman in order to complete the transaction regardless the cost to the customer. Again, I gave verbal permission multiple times for only 1 hard inquiry and no more. I was very adamant, and was never told anything about the 10 other companies that would also be given access to my report. Just doesn't make any sense. Why would they be so selfish? Even after being told that my credit could not handle anything more then 1 hard inquiry, they made the choice for me and chose to proceed with running unauthorized reports.
Consumer complaint received 2024-10-22
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: CAPITAL ONE FINANCIAL CORPORATION (DE)

I had received an email in XX/XX/year> regarding that there's been a change to my XXXX XXXX credit which came from Capital One. I had called out to Capital One the same day to see if there was any unusual account on my account after reading the email to the representative. It was mentioned that I had an inquiry regarding a car loan which I didn't authorize. The Capital One representative kept asking me to read additional information from the email that I've received. The representative didn't bother to escalate this unusual activity to management / or to the Capital One Fraud department. I'm currently feeling uncomfortable with how the business has been conducted. It appears that I've been exposed to identity theft.
Consumer complaint received 2023-03-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc. (CA)

I received my XXXX statement from ComenityXXXX Visa XXXX and noticed that my previous payment was also there. I checked my bank and see that they did not cash the payment until XXXX/XXXX/XXXX, I contacted their customer service by phone, and while waiting for them I did some research on this company and found that they have a tendency to process payments past due date and then charged consumers late fees plus interest. After I talked to their customer services, he reversed the charges. Dues to their unethical business practice and to protect my credit scores, I canceled the credit card. When I receive my last statement, I contact them again, and this time I want to redeem my cash back ( {$130.00} ) she said that since I canceled the card, They won't redeem my cash back, this is wrong and I want my cash back.
Consumer complaint received 2020-01-25
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: TOYOTA MOTOR CREDIT CORPORATION (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : TOYOTA MTR - XX/XX/2019 US DEPT OF ED/XXXX  - ONE REPORTS THE ACCOUNT THAT IT IS LATE FOR 180 DAYS YET THERE IS NO LATE REMARKS I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2024-10-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Credit Services Inc. (NV)

To whom this may concern, I am writing to dispute a charge from XXXX XXXX. 

Last XX/XX/year> I went in to cancel my membership after I had asked management to put my account on hold, which they agreed to. I never received confirmation of my cancellation and they just kept charging me. I disputed it with my bank but now they took it to a collection agency. Ironically I am not the only client who has been going through the same issue. Whoever is running and managing this gym is scamming their clients. I need the charge removed from this shady company please. 

Respectfully, XXXX XXXX
Consumer complaint received 2024-10-22
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAROLINA FINANCE, LLC (VA)

Carolina Finance LLC by XXXX XXXX XXXX XXXXXXXX, of XXXX and XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX VA XXXX, led me to believe that I had cosigned for a car for XXXX XXXX XXXX and garnished my wages from my employer from XX/XX/XXXX through XX/XX/XXXX as well as unsuccessful attempts by my attorney XXXX XXXX XXXX to collect this reimbursement in XXXX through XX/XX/XXXX, and as of XX/XX/XXXX, Carolina Finance LLC nor XXXX XXXX XXXX have not reimbursed my money {$4300.00}, plus {$240.00} in Legal fees, for a total of {$4500.00}. 
The Unfair Credit Reporting and Collections your Company and the unethical legal practices your Company and Law Firm participated in, including obtaining money via payroll garnishment and collections, that I did not owe.
Consumer complaint received 2020-01-24
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (TX)

I never authorized anyone to transfer funds from my account using Zelle. 
On XX/XX/2020 two transactions were made. Two different people. 
One in the amount of XXXX and the other in {$1200.00} I am being scammed, never authorized the funds to be sent. And both my bank and zelle refuse to take on liability.
Consumer complaint received 2020-02-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

This account is over a year old, my credit limit is {$4000.00}, my current balance is {$1200.00}. Today my card was declined twice and account is " currently restricted. '' I have never missed a payment and in fact have generally made payments in triple the amount due. My account has never been in arrears or even late. 

Today I called them to ask why my card was declined, they didn't know. Nor could they explain what it says " account restricted '' on the front of my online statement. I don't know what game they're playing here but am fairly certain this is no way to treat customers or run a business. If there isn't a law against this malfeasance, there should be. 

Now I have a useless credit card in my wallet, it is the ONLY credit card I have. The company offers no resolution to a problem they themselves created, nor an answer to any of my questions. I guess it's not enough they charge an outrageous interest rate ...
Consumer complaint received 2020-01-24
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)

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.
Consumer complaint received 2020-01-24
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: HUNTINGTON NATIONAL BANK, THE (IL)

57 fraudulent charges totaling {$10000.00} made on my credit card between XX/XX/2019 and XX/XX/2019. 

Huntington Bank Mastercard Voice Rewards : I called company on XX/XX/2019 to report fraudulent activity on the card. I filed a report with the XXXX Police Department regarding the fraudulent activity. I have also identified legitimate charges. 

I also submitted documents related to the case to a personal banker at the HUntington Bank in XXXX XXXX, Illinois.
Consumer complaint received 2020-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.
Consumer complaint received 2023-03-07
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRUIST FINANCIAL CORPORATION (NY)

I purchased a Vehicle back in XX/XX/XXXX. I have made consistent payments up until XXXX when my car was totaled. it was payed off via insurance and gap insurance around XX/XX/XXXX. The company Still has me owing a debt of XXXX which i dont believe i owe. I have made several attempts to contact them but they keep sending me to a resolution team that is unresponsive to my calls. I am a vet that is trying to purchase a house and this debt has been part of an issue that is keeping from that situation. Can some please assist in helping me remove this from my credit report? 

Thank you in advance for your help
Consumer complaint received 2023-03-07
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. (SC)

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States 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 written instructions
Consumer complaint received 2023-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (MS)

GM Financial is illegally reporting information without my expressly written consent or appropriate notification. 15 USC 1681s-2 ( a ) ( 7 ) ( A ) ( i ) requires that any institution that must provide written notification of furnishing any negative information to the credit bureaus. I have no records of any written notification made in the appropriate timeframe.

If GM financial is unable to provide proof of timely written notification, I demand that any and all negative information ( I.e. late payments ) to my credit report be removed.
Consumer complaint received 2023-03-02
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)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!
Consumer complaint received 2020-03-09
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: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$13000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- CLOSED ACCOUNT -- 1. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account.
Consumer complaint received 2023-03-02
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. (FL)

These accounts are reporting late as reported in my 3 Credit bureaus. These accounts should not be showing the current status of 30 and 60 days late since its already been paid for. It seems impossible to accrue late on an account that has already been paid. Please report the payment status positive and update all late from reporting on these accounts. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$530.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}.