davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (NE)

On XXXX XXXX XXXX I called Sears credit card to make my monthly payment I spoke to XXXX I told him to that I wanted tie pay {$50.00} and he gave me an authorization code of XXXX. I then asked him why my last payment was not showing on the statement. He stated he would send me a new statement showing the XXXX payment. Then he stated my next XXXX statement would show my {$50.00} payment and I said goodbye. I checked my bank account on XXXX XXXX. XXXX XXXX and found out that {$280.00} had been taken out by Sears not the {$50.00} I had authorized. I immediately called Sears credit card and the rep spoke to an account specialist she asked if my bank was still open I said no. The rep asked me if I wanted to speak to the account XXXX. I said yes and I was transferred for her. Her name was XXXX. I explained was upset about this unauthorized amount and I wanted it return the next day. She said that it had to remain on my for XXXX days befire she could anything and it would sent by wire back to me XXXX to XXXX days later so the earliest I would get it would be XXXX XXXX XXXX XXXX. I was extremely mad. I asked why .she never said why it had to be XXXX days before anything could be done.Then she wanted me to call back the next day, I asked why, she said to call the bank. I became very angry at this point and said why I am calling you now and this is your mistake and I am not fixing it. She said Im not asking you to fix it.She then asked my bank info. I gave it to her and ended the call. I waitednuntil XXXX, XXXX XXXX and then checked my account. No refund, so I called Sears credit card again .XXXX answered and I told him about the unauthorized amount and I said were is the refund. He states let look and then I was hung up on. I called back and asked for a manager, I got XXXX who read the notes and even called the account specialist and she toldhim she sent on XXXX XXXX. XXXX. I said I had called bank prior to calling them and no refund was showing.Dakota said well that is thebank she sent it to and can not find it. I saiddo what you can because I 'm done with your company. Again they wanted the bank info, I told him I did not have it and told him to look for the refund and hung up. After I got off work I called a XXXX time and told the rep to get a manager .This time I got XXXX he was rude and it made me very mad I told him I had been hung up on and I could not seem to talk to same petsonso repeated what happened for the XXXX time to him and again gave mybank info only to be told again it would be XXXX to XXXX days once found to be refunded. I will never use this card again and I have told them I will pay it and I will get rid of it. Today is XXXX XXXX. XXXX and I still have not been given my money back. This is ridiculous the phone number I call is XXXX XXXX XXXX XXXX
Consumer complaint received 2016-10-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Trident Asset Management, L.L.C. (NJ)

I have send this people proof that i have never lived where they said i got a bill also i have told them i had an identity theft and they still do n't get it!
Consumer complaint received 2017-11-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (VA)

Plaintiff, XXXX XXXX XXXX, states his complaint as follows : Plaintiff is an individual who now resides in XXXX , Virginia . 
Defendants OneMain Financial Plaintiff entered into a loan agreement with One Main Financial XX/XX/XXXX. 
The original loan amount was {$10000.00} which was deposited in my XXXX XXXX account on XX/XX/XXXX On XX/XX/XXXX One Main mailed a statement which represented a balance of {$10000.00}. Plaintiff inquired about the {$500.00} increase and was informed that it was not part of the loan To date the account has not been adjusted. 
As a result, the interest rate ( MAPR ) exceeds the maximum interest under the MLA.

COUNT I Violation of Military Lending Act 1. Plaintiff incorporates the previous allegations of his Complaint as if fully set forth herein. 
2. Defendants actions as set forth above constitutes violation of the MLA.

3. One Main actions included undisclosed fees which was not verbally expressed to applicant.

4. In addition, One Main actions increased the MAPR over the maximum amount under MLA
Consumer complaint received 2017-11-19
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. (TX)

Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 
Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? 
You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).
Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA
Consumer complaint received 2017-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (CA)

I contacted this creditor to provide proof this is my account. I had another account which was paid in full and closed on XX/XX/XXXX. And this account is showing opened on XX/XX/XXXX. 
I have asked for proof of this being my account and have not recieved anything. 
They have sent one reply asking for my personal information that I have provided in my initial letter. 
Still have not received proof.
Consumer complaint received 2017-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (AR)

Capital One accepted a debt consolidation agreement for three separate credit card accounts with XXXX XXXX  XXXX on XX/XX/XXXX. Subsequently Capital One has submitted a total of 8 late payments to credit reporting agencies : Account ending : XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Account ending : XXXX XX/XX/XXXX, XX/XX/XXXX Account ending : XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Capital One representatives claim payments were insufficient and or received 30-60 days late in direct contrast to our agreement. Monthly statements from XXXX document the agreed minimum monthly payments. 

Capital One account ending in XXXX was at one time reported as 90 days late. I was able to have that removed from my credit report, However, eight payments reported 30 60 late remain. 

Im reaching out to CFPB to help resolve this issue.
Consumer complaint received 2017-11-18
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. (GA)

On XXXX XXXX, XXXX - I applied for an auto loan at a local Car Dealership and I received a good loan. However, as is standard practice I agreed that the dealer could contact multiple lenders in order to obtain the best loan possible. 

Today is XXXX XXXX, XXXX - XXXX months later and according to CFPB Auto loan applications submitted within a XXXX - XXXX day time period should be treated as " XXXX '' inquiry on the credit report of the applicant. 

I plan to submit an application for a mortgage Loan and I would like my Credit report inquiry to reflect or treated like I applied for " XXXX '' Loan. My credit report is being negatively impacted because all XXXX inquires are shown and treated as XXXX different inquires which diminishes my overall credit scorXXXX. 

XXXX lists XXXX inquires Experian list XXXX inquires XXXX list XXXX inquries Thus, I am not being afforded the rights that I am entitled to under FDCRA - See the reference below : Ask CFPB Auto loans UPDATED XXXX XXXX, XXXX What effect will shopping for an auto loan have on my credit? 

Shopping for the best deal on an auto loan will generally have little to no impact on your credit score ( s ). The benefit of shopping will far outweigh any impact on your credit. In some cases, applying for multiple loans over a long period of time can lower your credit score ( s ). Generally any requests or " inquiries '' by these lenders for your credit score ( s ) that took  place within a time span ranging from XXXX days to XXXX days will only count as a single inquiry, depending on the credit scoring model used. You can minimize any negative impact to your credit by doing all of your shopping in a short amount of time. You could save hundreds or even thousands of dollars by shopping for the best rate and terms on a loan. 

For example, let 's say you are looking around for an auto loan and you authorize five lenders to check your credit score ( s ) within a XXXX day time span. All those inquiries should count as one inquiry. If you shop for a mortgage loan at the same time you are shopping for an auto loan, the shopping you do for those two loans should count as two separate inquiries.
And do n't worry about all those promotional offers for credit cards impacting your credit score ( s ). These promotional offers do not affect your credit score ( s ).
Consumer complaint received 2017-11-18
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. (GA)

On XX/XX/XXXX - I applied for an auto loan at a local Car Dealership and I received a good loan. However, as is standard practice I agreed that the dealer could contact multiple lenders in order to obtain the best loan possible. 

Today is XX/XX/XXXX - seven months later and according to CFPB Auto loan applications submitted within a 14 - 45 day time period should be treated as " XXXX '' inquiry on the credit report of the applicant. 

I plan to submit an application for a mortgage Loan and I would like my Credit report inquiry to reflect or treated like I applied for " One '' Loan. My credit report is being negatively impacted because all XXXX inquires are shown and treated as XXXX different inquires which diminishes my overall credit score. 

XXXX lists XXXX inquires XXXX list XXXX inquires Transunion list XXXX inquries Thus, I am not being afforded the rights that I am entitled to under FDCRA - See the reference below : Ask CFPB Auto loans UPDATED XX/XX/XXXX What effect will shopping for an auto loan have on my credit? 

Shopping for the best deal on an auto loan will generally have little to no impact on your credit score ( s ). The benefit of shopping will far outweigh any impact on your credit. In some cases, applying for multiple loans over a long period of time can lower your credit score ( s ). Generally any requests or " inquiries '' by these lenders for your credit score ( s ) that took place within a time span ranging from 14 days to 45 days will only count as a single inquiry, depending on the credit scoring model used. You can minimize any negative impact to your credit by doing all of your shopping in a short amount of time. You could save hundreds or even thousands of dollars by shopping for the best rate and terms on a loan. 

For example, let 's say you are looking around for an auto loan and you authorize five lenders to check your credit score ( s ) within a 14 day time span. All those inquiries should count as XXXX inquiry. If you shop for a mortgage loan at the same time you are shopping for an auto loan, the shopping you do for those two loans should count as XXXX separate inquiries. 

And do n't worry about all those promotional offers for credit cards impacting your credit score ( s ). These promotional offers do not affect your credit score ( s ).
Consumer complaint received 2017-11-18
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (TN)

I sold am item on XXXX being an XXXX XXXX and part of this condition was only shipping the item I sold to a VERIFIED Paypal member along with person having to live with in the united states. The auction ended and the person made the payment by PayPal. Paypal immediately put a hold on the payment to ensure the buyer got the item. The item was received proof of tracking # was XXXX by XXXX as this showed it was delivere and PayPal has this information. Now paypal is saying since it was shipped to the US and the buyer was XXXX that they are continuing to hold the payment for their safety. My issue is why did paypal take this payment in the first place if this was going to be an issue. They not only changed me the normal fees, but I can gurantee they are making interest off the money until they if ever release the hold on the payment of XXXX. The date the buyer sent payment was XXXX XXXX. I shipped the Item on the XXXX and he received the item on the XXXX. The payment Payment ID is the following XXXX. I am asking Paypal to IMMEDIATELY release this payment as they made me the creditor where it is their business model and I should n't be the creditor as I shipped the item and the person received the item as promised in a timely manner. This is unacceptable as PayPal wants to have their cake and eat it to and leave the responsibility to the seller and not take any blame on themselves. If they do n't want foreign transactions they could of simply blocked it and saved me a ton of headaches. The person has the item I have nothing other than a hold on they money the buyer sent me. This is an awful was to conduct business
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

ACCORDING TO FCRA XXXX XXXX IT IS ILLEGAL TO REPORT INFORMATION ON MY CREDIT REPORT WITHOUT MY PERMISSION. PLEASE REMOVE THIS FROM MY CREDIT REPORT IMMEDIATELY. 
THANK YOU
Consumer complaint received 2024-11-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (CA)

My accounts, checking and savings accounts, were both recently flagged for fraud and closed on the very same day without any explanation whatsoever from the bank ( Truist ). I had these two accounts for literally less than two full weeks, and it was locked twice by the bank for fraud. The first time they locked it, I called in and once they identified who I was and that I was the account holder on my accounts, they unlocked it. Then, within 5 days of that incident, my account was locked once again without any warning or reason, and it was also closed within the same day also without any reason or communication from the bank as to why they did those very drastic steps in which I would label as a major over-reaction and unreasonable closure of my new accounts. The only transactions that I had done with my account was that I had received two XXXX transfers from my friend 's account that had owed me money, and they had overpaid me by {$300.00}, so I returned that amount back to them through cash app on the very same day. They sent me one XXXX for {$1000.00} and another one for {$500.00}. They only owed me {$1200.00}, and so I sent back the {$300.00} difference because of the overpayment. That was it! Asides from some very normal debit card purchases for fuel, and at a couple of stores in town, Those were the only transactions that were done on my checking account with this bank. The very next day my account was flagged, locked, and then closed for fraud, or what the bank may have erroneously perceived as fraud, and it was all done without warning, good reason, or communication. Also, I received no explanation whatsoever and when I called to find out what was going on, I got nowhere. I only received very vague and non-informative answers as to why my accounts had been closed for fraud when there was absolutely no fraud or any attempts of fraud, or anything that was even remotely fraudulent activity on my accounts with them at any time. Nothing. Zero. Zip.
Consumer complaint received 2017-11-18
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CA)

On XX/XX/XXXX, I paid off the total balance of my Victoria 's Secret Credit Card Account, which is {$32.00} and received a confirmation email for that payment. After that, on XX/XX/XXXX, I have successfully closed my account with the confirmation from Victoria 's Secret. However, that payment of {$32.00} was returned on XX/XX/XXXX with no reason provided. Up until now, no alerts nor notifications were made to let me know that the payment was returned. It resulted in the late fees of {$28.00} in my total balance. 
Since the late fees of {$28.00} was created by the lack of Victoria Secret 's responsibility to notify customer about the returned payment after customer had closed their account, I request that late fees of {$28.00} must be dismissed. 
Victoria Secret 's Customer Service denied its responsibility for the unnoticed returned transaction after customer closing account. 
See attachments for confirmations and proofs.
Consumer complaint received 2017-02-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Over the last 12 months I have sent multiple letters to Transunion stating XXXX wrote off this account for company tax purchases. It should not still be on my credit report because XXXX took the tax credit once this account was written off. 

XXXX XXXX
Consumer complaint received 2017-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is incorrect reporting. It has previously been removed from my credit report because it is inaccurate information. Now, it is being reinserted. 

XXXX XXXX Account Number XXXX Account Type Credit Card Terms Date Opened XXXX/XXXX/XXXX Account Status Closed Payment Status Late Payment Status Details - Status Updated XXXX/XXXX/XXXX Balance - Balance Updated - Credit Limit {$5000.00} Past Due Amount - High Balance {$6300.00} Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX Ownership Individual account
Consumer complaint received 2017-11-18
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)

I have been disputing with credit reporting agencies of XXXX XXXX XXXX account for the amounts of XXXX and XXXX. I 've been a victim of fraud for about 10 years and every year, I am fighting battle of accounts that not mine. XXXX and the credit reporting agencies refusing to show me my signed signature opening an account or proof of my identity opening this account.
Consumer complaint received 2017-11-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R & B Corporation of Virginia (VA)

I did not receive services on the date that the company is stating. I have disputed multiple times as well as asked for a summary of services to see exactly what I am being charged for because I was not seen. I did not receive anything from this stating I even owed anything, the only reason I found out about this collections was due to the fact that I checked my credit report and saw this on my credit report. I have not received any information as well.
Consumer complaint received 2017-11-19
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (FL)

This is tied to complaint # XXXX. 

Hello, Thank you for your previous response. I went ahead and requested the official letter from my financial institution. It clearly lists my XXXX account, which is correct account that I used for the past 3 years. The Bank asks XXXX to remove negative credit entries as the customer entered correct amount and account numbers. The payment rejection and any subsequent delays are not customer 's fault. This is either the Bank or XXXX. You may contact XXXX XXXX XXXX to verify. Since, I have no proof of mailing my initial payment attempt ( USPS in XX/XX/XXXX ), you may leave XX/XX/XXXX ( 30 ) entry on my credit report. However, please do act in accordance with the letter from XXXX XXXX XXXX, and remove both XX/XX/XXXX ( 60 ) and XX/XX/XXXX ( 90 ) negative credit entries from all credit bureaus. Hopefully, this time we can finally close this case in satisfactory manner. 

Happy Holidays!