davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-22
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Exeter Finance, LLC. (IN)

I have spoken with the company and they have deferred the loan for me which just extends out the time also its more of a predatory lender situation due to damaged credit, of course my score is my fault but to be taken advantage of by high rates and payments to know now Ive paid way over the value of the loan its self with fees and such. They dont try to refinance or lower monthly payments Ive asked in the past. Its Exeter Finance and if I had known how they would effect me I dont think I would have allowed myself to even get the car. Its been years my car should now be paid off and its far from that.
Consumer complaint received 2021-03-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately
Consumer complaint received 2022-12-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$1400.00} ), XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$1400.00} ), XXXX, ( Date Opened : XX/XX/XXXX, Balance : {$830.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$5100.00} ), XXXX XXXX XXXX ( Date Opened XX/XX/XXXX, Balance : {$5100.00} ) XXXX XXXX XXXXate Opened : XX/XX/XXXX, Balance : {$3300.00} ), XXXX  ( Account number XXXX, Date opened XX/XX/XXXX, XXXX XXXX  {$290.00} ), XXXX ( Date Opened : XX/XX/XXXX, Balance : {$160.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2021-08-21
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: XOOM CORPORATION (CA)

I had made a transaction on XXXX XX/XX/2021 of {$2900.00} to XXXX for emergency use for my parents during these testing periods of covid via xoom.com. 

But the money is still not received as of now. Xoom said that the transaction was made on XXXX XXXX. I have send them the bank statement in timely manner. But even then they have been delaying the payment for a long time now. 

Earlier this week, My Bank manager had contact yes bank ( the supporting bank ) and send me the proof that payment failed. 

Even then xoom.com is saying that they will take their time and will not considered the email with legal bank email address and thumbnail. And we take their time to talk with yes bank. 

If I call them, they say that a supervisor will contact me back and it does not happen. Also they promise that they will send the email regarding information in the call which also does not happen. 

I have email and call them over 15+ times. But everytime they say it is been investigated giving excuse like the time zone of XXXX is difficult for their employees to contact the bank. 

I even talked with my XXXX Bank manager where the money is suppose to be sent and she also said that no one have inquired about my account. 

Please help me out in this matter. 

I will be grateful to you Thanks,
Consumer complaint received 2022-08-02
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with overdraft — Overdraft charges
Company: Neon Newco Corporation (ME)

XX/XX/2022 I spoke to XXXX. I had a deposit post to my account for {$80.00} after covering an overdraft for fraudulent charges in the amounts of {$15.00} twice to the same company. I had {$37.00} available and went into the XXXX XXXX XXXX to pay {$37.00} for gas. I was charged an overdraft fee of {$20.00} when I clearly had sufficient funds in this account. 
I requested they fix the issue and XXXX tries to yank me around like this was my fault. As I stated {$37.00} is less than {$37.00} therefore I should not have been hit an overdraft fee. 
He thanked me for telling him I was filling a complaint against Netspend. Who thanks someone for filing a complaint? 
I would like a refund of overdraft fees relating to the charges the past few days ad I was not responsible for them and can clearly show I had enough funds in the account to cover the charges. 
XXXX said I was being sent to supervisor when indeed I was hung up on.
Consumer complaint received 2021-03-25
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings (TX)

I moved out of XXXX XXXX XXXX as agreed per the rental agreement XXXX XX/XX/XXXX, no new rental agreement was signed. I. Q. Data International is charging {$5700.00} for one month rent XX/XX/XXXX - XX/XX/XXXX. I have made several attempts to contact them requesting proof I signed a new lease with no success of receiving this information. At this time IQ Data is a debt collector who refuse to remove this nasty, negative, erroneous item off of my credit report. I am now being charged astronomical, outrageous, and enormous excessive fees which I never occurred as they refuse to return my deposit.
Consumer complaint received 2020-11-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION (CT)

This account was paid off in full but the company is still reporting inaccurate information on my credit report causing my scores to drop and making it hard for me to move on from here. I tried to work with this company but they are still affecting my life in a negative way. Covid has effected our lives and this company doesnt seem to understand this. Please have them remove all negative remarks and show this account as paid in full because it has been.
Consumer complaint received 2021-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

Please update all of my personal information on EQUIFAX, XXXX, and XXXX 

I would like all the names, phone numbers, and addresses along with removing any co applicant or spouse from my report My only name is XXXX XXXX My only phone number is XXXX My only address is XXXX XXXX XXXX XXXX, Ohio XXXX My only employer is XXXX i am self employed. 

There may be individuals who have the same information as mine. Creditors may have entered my name, address, and/ or employer incorrectly when requesting my credit report. Regardless there are names and addresses that should not appear on my credit file.
Consumer complaint received 2022-08-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (SC)

I received a call on XX/XX/2022 at XXXX from an automated caller saying that there was fraudulent activity on my CashApp account and that my CashApp account had to be closed because of it and to press 1 to connect to CashApp customer service for help recovering my account. I pressed 1 and a male answered the phone CashApp customer service and I said yes, what is your name? And he immediately started babbling like a baby. I replied with ok so whats your name or are you going to continue to pretend to be a child? And he hung up on me. 

The call showed up on my caller ID as : Spam Risk XXXX, SC XXXX ( XXXX ) XXXX I have now reported it and Im blocking the number from my phone.
Consumer complaint received 2020-12-11
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. (CA)

Greetings ; I have inquiries I didnt authorized on my credit report and I want them remove, I dont know how it is possible that some company can check the report without people authorization.
Consumer complaint received 2021-11-21
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

hi XXXXhas a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for XXXX days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. XXXX XXXX. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXX n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Consumer complaint received 2021-06-02
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: DISCOVER BANK (NJ)

These accounts dont belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine.
Consumer complaint received 2022-03-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (CA)

I made a dispute with Chime Several of them actually as someone skimmed my card last year, ( XXXX and XXXX ) I got the Card replaced and all So Basically the Charges were like this XXXX -> This has not been refunded ( Ticket with Chime : XXXX then a second ticket was issued, I forget the name, for a series of XXXX " little '' ( XXXX XXXX XXXX total ) XXXX XXXX XXXX XXXX XXXX etc ( Fictitious because I cant remember, but all after the ORIGINAL problem of Every Small Charge that was charged over several days, was put into one dispute, and the big one was put into one dispute. The LARGER dispute was first. The smaller disputes were challenged and refunded to my account via the no liability clauses However Chime has not, and continues to not refund the XXXX and change My problem is this was XXXX of Last year, Every time I call them there's no way to reach the boss, or anything of their " Escalation and dispute department '' They keep saying they'll escalate it, and contact me within XXXX business days, I never get an email/phone call ANYTHING. 

I just wanted my money back, but mostly count it as a lost cause, just want to know what you all think?
Consumer complaint received 2021-03-25
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: JPMORGAN CHASE & CO. (CA)

XX/XX/21 around XXXX XXXX  : I used the Chase Sapphire credit card to make a purchase at XXXX XXXX in XXXX, CA. I made a purchase of {$540.00} at the store and went home that night. 

XX/XX/21 around XXXX XXXX  : I called Chase to report that my credit card is missing and that there are fraudulent charges on the card. The Chase representative went over the charges one by one with me for the past two days and assured me that the fraudulent charges will be taken care of. The fraudulent charges consist of {$200.00} at XXXX XXXX, {$410.00} at XXXX, {$520.00} at Theory, and {$1300.00} at XXXX XXXX, for a total of {$2500.00}. 

XX/XX/21 around XXXX XXXX  : I received a call from Chase 's representative informing that my claim was denied because the transaction time between what I reported was a my legitimate transaction and what I claimed was the fraudulent transaction at XXXX XXXX was too close to be possible. The representative claimed that there was only 21 seconds between my transaction and the fraudulent transaction. I tried to explain that anything could have happened within the 21 seconds. I tried to give some hypothetical scenario and the representative accused me of " changing my statement. '' The representative then told me that I can appeal the transaction but then based on the " evidence '' that Chase collected the claim was denied and I was implied to have defrauded the bank. 

I contacted a sales representative from XXXX XXXX, the store where I believed I have lost my credit card, and asked for assistance. 

XX/XX/21 : In my credit card history I can see that the previously reversed charges have been placed back into the amount that I owe on the statement. 

XX/XX/21 : XXXX XXXX XXXX sales representative was able to confirm that the two charges on my card at the store had a time gap of approximately 21 mins and not the 21 seconds that Chase 's representative stated found in their record. They also said that they have record of the transactions having different customer ID and different recorded customer information. Also they were able to prove that the two signatures on the two transaction was completely different. With this information I have filed a police report with the XXXX Police Department. 

XX/XX/21 : I have emailed the case representative and Chase about this transaction.
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (DE)

I am submitting this CFPB Complaint for the 2nd time to follow up the addressing of the specific inquiries in my file that have resulted from identity theft. Equifax has kept these fraudulent inquires on my file, even though I contacted Equifax and stated that these accounts are linked to identity theft. My previous complaint and most recent # is ( XXXX ). Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter and attempted to get this matter corrected, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. These inquires are 1.XXXX XXXX XXXX, 2. XXXX XXXX 3.XXXX XXXX 4.XXXX 5. XXXX XXXX XXXX XXXX XXXX 6. XXXX XXXX XXXX XXXX - 7. XXXX, 8. XXXX. Attached to this complaint here today is my Identity Theft report from the FTC in relation to thesed fraudulent accounts. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family as the woman of my house.
Consumer complaint received 2022-10-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-04-08
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: U.S. BANCORP (CO)

For 8 months I have been fraudulently charged by US Bank on a XXXX XXXX XXXX credit card. 
Since XXXX of XXXX I have been getting a XXXX XXXX charge in the amount of {$9.00}. I have been disputing these charges since noticing them in XXXX of XXXX. I do not have an XXXX and this credit card has never been linked to a XXXX account. For 4 months I have been disputing these fraudulent charges. Every month they reverse the charges and send me a new credit card and assure me that they are blocking these {$9.00} charges. The charges keep coming even after being promised they would never appear again, at least 4 times!
Consumer complaint received 2022-01-13
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. (FL)

Opinion by facts ... because your XXXX  you report incorrectly. Just today as a client I pulled a XXXX XXXX XXXX from you but was denied a mortgage -AGAIN. Lender- Upon checking the credit, your score did go up to a XXXX, however, your wife middle score is at XXXX. XXXX -WHAT A XXXX XXXXXXXX COMPANY YOU ARE. PLEASE DON'T GIVE ME ANOTHER BS LETTER. By opinion based on facts -your a scam... .simple as the facts posted.
Consumer complaint received 2022-05-04
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: EQUIFAX, INC. (MI)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Acct # ( XXXX ) & XXXX XXXX XXXXXXXX Acct ( # # # # # # 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 2021-01-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Performant Financial Corporation (MI)

In XXXX I filed a complaint with the Consumer Financial Protection Bereau in regards to a company calling me indicating I owed a XXXX XXXX debt that I never owed. I explained to them the only debt I owed to a XXXX XXXX account closed on XX/XX/XXXX was fully paid. They insisted that I still owed an amount. 
I then, filed a complaint, but CFPB was unable to send my complaint to the company for a response. The complaint number is XXXX. 
Today on XX/XX/XXXX, I received a letter from Premier Credit of North America LLC indicating again that I owed an amount to XXXX XXXX and I do not. This debt was already paid in full per agreements with XXXX XXXX XXXX. 

I am including the transation documentation for the debt I paid off with XXXX XXXX through XXXX XXXX XXXX back on XX/XX/XXXX. In addition an statement of my XXXX XXXX account which shows on all documents I am providing. 

In addition, I have all my credit reports which indicate this debt was paid and not such debt is outstanding on any of my three credit reports. 

This is a FRAUD of something trying to collect money on a debt that was paid in full.
Consumer complaint received 2022-03-11
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: Experian Information Solutions Inc. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2021-01-25
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TN)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/XXXX.
Consumer complaint received 2022-05-04
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (IL)

I had a credit limit of {$350.00} with Amazon XXXX ( XXXX XXXX ). I made a payment of {$270.00} on XX/XX/2022 to bring my balance to XXXX. On XX/XX/XXXX and XXXX I made purchases totaling {$130.00}. On XX/XX/XXXX, I received an email from Amazon stating that my credit limit had been decreased to {$150.00}. Shortly after I began receiving alerts from the credit bureaus stating that my credit score had changed, the limit on one of my credit cards has decreased and as a result my credit usage has increased. I called and spoke to an Amazon representative on XX/XX/XXXX who said that she'd try and request an increase and there would be a soft inquiry on my credit. She attempted an increase request of {$1000.00} and I was denied. She offered to dispute the decision for me but I denied as I felt this would not resolve the matter. I am asking that someone take a look into this matter for me as I feel that the decision to decrease my credit limit was unfair. I have always made on-time payments and this decrease is hurting my credit score, one that I have been working hard to fix. I feel that I am being penalized for using my credit shortly after paying it off. Please assist. Thank you.