davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-26
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: Continental Finance Company, LLC (PA)

In late XX/XX/XXXX/early XX/XX/XXXXI logged into my Verve credit card account online and saw 8+ fraudulent charges to my account. I immediately called and because it was weekend was forced to go through an automated system to report the card stolen. The next business day I called in again and explained the fraudulent charges to a representative. She promised the situation would be taken care of within 10 business days and refused to give any additional information telling me that they'd " be in touch ''. It is now almost 3 weeks later and I've heard nothing from the company other than a robo-call notifying me my credit card payment was late! I just called back in and explained the situation to a customer service rep who stated there was nothing in my file concerning this fraud case and that they could do nothing for me. The rep did state he was reversing the late fee on my account, however, he didn't see any information indicating fraudulent charges on my account. After speaking to this representative for upwards of an hour they still could not confirm all the charges were reversed and the late fee is still showing up on my account. This company is CHARGING me for other 's fraudulent behavior and I'm not going to pay for this. They've offered no support and now want me to pay for fraudulent charges.
Consumer complaint received 2018-03-26
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: CITIBANK, N.A. (FL)

According to Citi, my Visa card provides a 3 % cash reward for charging travel purchases. 
On XX/XX/XXXX I used the card to pay XXXX {$3500.00} plus on the same date another {$6300.00} to XXXX. Both received the appropriate 3 % reward. 

But on XX/XX/XXXX I used the card to make 2 payments to XXXX for {$4300.00} and {$14000.00}. These were allowed only a 1 % reward. This results in a loss of about {$400.00}. 

When I called Citi on XX/XX/XXXX, I was told that this change is controlled by the merchant ( XXXX ) using a code called XXXX and that Citi can not change it. So I called XXXX and learned that the bank issuing the card assigns the XXXX, not the merchant. XXXX also said they have received numerous complaints from customers who follow the rewards promise/incentive to buy their travel packages using cards that promise higher rewards. 

So I called Citi again and the excuse that " the merchant controls which XXXX is to be used '' was repeated. The XXXX used last XXXX was for XXXX was 4722 = travel agencies. InXX/XX/XXXX Citi says it has been changed to 7991 for XXXX XXXX attractions ( other purchases category at 1 % ). [ I think Citi made the change to avoid giving customers the full 3 % reward. ] The Citi reps all claimed this change was made by XXXX. I was offered {$100.00} to compensate me for the inconvenience. I refused and said I thought I should pursue legal advice. The rep warned me that the card agreement permits Citi to change rewards at any time for any reason and that all disputes are settled by arbitration. 

Lesson : Beware of the bait and switch. If you use one card over another because it has higher rewards, you should check the XXXX assigned to your merchant first.
Consumer complaint received 2018-03-16
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: SANTANDER BANK, NATIONAL ASSOCIATION (NY)

Santander Bank refuses to refund {$96.00} yet acknowledges the fraud by cancelling my debit card. 

My situation falls into " billing error '' category and fraud category. I got overcharged and received a different item than ordered. 

On XX/XX/XXXX I purchased a pair of leather XXXX sandals for a total of USD XXXX through a " XXXX '' website XXXX On XX/XX/XXXX {$96.00} ( XXXX + XXXX intl. fee ) transaction posted on my account that originated in XXXX and was connected to a private hotmail account where the purchase confirmation came from. 

Santander should have had an alert in place for charges coming from XXXX, XXXX, XXXX and other countries known for scams so I could refuse it but they failed me as a consumer. My XXXX card blocks such charges immediately if I don't tell them explicitly that I travel or plan to purchase abroad. 

Called Santander to report fraud and gave them details. They immediately cancelled my debit card and initiated a refund claim. 

I contacted the seller but got no response. Instead, I received cheap fake leather sandals, completely not the ones ordered and not worth {$5.00} let alone {$93.00} and again silence from the scammer seller. 

After I e-mailed him that I'd report him as fraud to my bank and an appropriate XXXX entity dealing with imposter " XXXX '' websites, the scammer wrote that the warehouse made a mistake and offered a {$9.00}! refund so " I don't have to pay high shipping charges for sending the shoes back '' even though he shipped the wrong ones. How much scammier than that can it get? ( see the attachment ) When I demanded full refund and told him he would have to pay for shipping the shoes if he wants them back, he stopped responding. 

However, since I got a replacement card, even if the scammer was willing to refund me, he can't return the funds to a cancelled card and I'm not going to give him my new debit card info. 

Even though I informed Santander about the issues I'm having with the merchant my refund claim was rejected twice. They wrote me to resolve the issue with " the merchant '' being well aware that I was already in contact with him trying to unsuccesfully recover the funds from a fraudster. 

Santander claims to protect their customers from scammers but they obviously do not care and do a very poor job letting international charges from XXXX clear. My claim was frivolously and unjustly rejected.
Consumer complaint received 2018-03-26
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. (OH)

NOTATION : This is a CHALLENGE and NOT A DISPUTE I am always CHECKING for TOTAL COMPLIANT & CERTIFIED COMPLIANT REPORTING that gives testimonial and irrefutable PROOF of the undeniable TRUTH, correctness, completion, timeliness, ownership of, responsibility of, and compliance and or else wise for any and all items accused, even any and all aspects of allegations. 
Per Federal reporting regulations and the MANDATED COMPLIANT XXXX XXXX format reporting standards of practice any and all items of adversary or derogatory nature must be certified as entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented testimonial certificate of compliance marking undeniable lawful standing of claim ( s ). Per law, any deficient of substantial and evident matters of fact ( s ) would be unethically reported and even illegally reported. My state and the federal laws alike agree that neither willful nor ignorant disregard is acceptable, so I demand here today, even RIGHT NOW, that the allegation in challenge be eradicated in full or else wise demonstrated in it's entirety to be compliant in every aspect of its reporting. To retain much less report otherwise would be a vile misrepresentation and done so in unlawful and injurious infraction of mandated compliance laws. The currently unfounded and even not certified true or correct misinformation of which is misreporting is attached to this complaint and must be deleted immediately, so please do so without delay. 
I have attempted to resolve the issue directly with the respective parties, however found that they were non-compliant as per the FCRA and CROA requirements
Consumer complaint received 2018-03-16
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (IL)

XX/XX/2017 Statement attached. I never signed up for Debt protection nor had I ever noticed being charged in varying amount ( XXXX dollars ) over the many years I have had it. 
They sent me a letter telling me that i could cancel it but could not get a refund because I had signed up for it. I never signed up for it. I never would sign up for such a thing. They offer no proof because it is simply not true and this seems to be a common occurrence. Best buy also runs you around saying its not them or citi bank. That it is a third party company which is all just a run around. 

This is stealing down to its core.
Consumer complaint received 2018-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (WA)

I had no credit history as of last XX/XX/XXXX but worked with a local XXXX XXXX XXXX to build my credit scores in order to purchase my first home in 30 years. I got my XXXX score to XXXX in XX/XX/XXXX and moved forward with a lender to purchase my first home. Now my XXXX score is XXXX also, but Equifax will not cooperate. They don't show that I have any tradelines even though I have had two since XX/XX/XXXX and 4 since XX/XX/XXXX. I have spent countless hours with my lender and other professionals in the financial community to figure out why Equifax will not record a score and they have spent hours trying to help me. I have called them at least 6 or 7 times and no help. They sent me a form letter saying " the identification information you provided does not match our records. In order to properly assist you, we will need additional information in order to verify your identification and current address. I faxed and mailed all they asked for and more and they mailed me a similar form letter. Again, I sent them all the info they were asking including both previous and current Drivers License ( previous and new name ), both Social Security Cards ( with current and previous names ), Court Document showing my name change signed by a judge, electric bill ( XXXX XXXX ), photo copies of my credit cards, and payoff statements for all my loans. These I sent two and three times ( the first time I didnt include my name change ). I have now received 5 similar or duplicate form letters every time I have tried to get answers. I dont know what else to do neither do the professionals who are helping me. Equifaxs lack of professionalism is holding me hostage from owning the home I have worked hard to get. They are the only barrier and they will not cooperate.
Consumer complaint received 2018-03-16
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (PA)

A student loan in my name was originated with XXXX XXXX, then was transferred to Navient without disclosing the terms of the loan. XXXX XXXX charged and changed my interest rates from fixed to variable interest with out my permission. Request accommodations made under the XXXX XXXX XXXX act. Spoke with representative XXXX XXXX and she did not give any options, she stated on record that the Navient Account is 549 days in default.
Consumer complaint received 2018-03-16
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: EQUIFAX, INC. (TX)

On XX/XX/XXXX. I noticed several unauthorised inquiry on my credit report. I sent a letter of investigation to Equifax to investigate it and provide me proof because this hard inquiries was not made by me. And I did not authorize anyone to place such inquiry on my report. I requested that if they can not provide a valid proof with my signature on it, they should remove the hard inquiry. I did not hear from Equifax. Equifax never responded to my query and I sent another letter twice without any response. 

Inquiry : XXXX XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXXDate of Inquiry : XX/XX/XXXX. 

But after some months, Equifax sent me an online message without any proof of investigation stating it was verified. They never provided me with any proof with my signature on it as required by the law. The hard inquiry has hurt my ability to obtain credit at a fair rate and cause me financial hardship with high interest. I personally contacted XXXX XXXX  and they sent me a letter that they will remove the hard inquiry, but till date they never removed the unauthorized inquiry even after they have sent me a letter that they know it was a fraudulent inquiry.
Consumer complaint received 2018-03-15
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: CREDIT ACCEPTANCE CORPORATION (CA)

My name is XXXX XXXX, I am dealing with a situation with XXXX where there is a Repossession showing on my credit file that is not even under my social security number, though uses a like name and same DOB. I have had the credit bureau dispute the item with the creditor and have contacted the creditor directly and the matter has not been resolved to date. I made direct contact with the fraud department at XXXX in hopes to get an immediate action as I have done before but not with this particular account and I don't understand why it has not been removed yet. I do appreciate the help they have given me thus far as their fraud department has been very expeditious in other matters in the past few days so I have no real complaint about XXXX except why would they allow an account to be reported to my file in the first place when it so obviously had a different social security number attached to it? The company that reported the incorrect information is Credit Acceptance Corp. XXXX. They reported an auto repossession to my credit file with a different social security number and upon being contacted were so rude and disrespectful because I had no account information to supply for obvious reasons. I called them back again and was transferred to a young lady who was very nice and gave me the account number, the name used, verified the last 4 numbers of the social used and that the DOB was the same as mine. I supplied them with my name, address and contact number and the police report information and was advised I would be contacted within 72 hrs by their company. I called XXXX again to give this information, including the name of the lady I spoke with, but the account remains on my credit. I don't for my life understand why it was not removed as soon as they realized the social security number was not mine, it wasn't even close. Anyway, the battle continues as there are multiple accounts that do not belong to me that do have my social security number attached unfortunately for me. I hope my story helps someone else out there going through the same or similar situation. Stay on top of your credit and don't take No for an answer. It's your credit, your right and as long as we live in a society that rates you by a number on a report, you've got to make sure it's correct and the information is accurate.
Consumer complaint received 2018-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Auto Now Financial Services, Inc., Phoenix, AZ Branch (AZ)

On XX/XX/2016 I purchased a vehicle from Auto Now Financial Service Company. I was never late on my payments the car was totaled in an auto accident in XX/XX/2016 and was paid in full by XXXX XXXX XXXX paid directly to Auto Now Financial. I attempted to purchase another vehicle from Auto Now Financial although this was done at a different location owned by the same company. The car I was trying to purchase had front axle damage. I reported this problem to the dealership within the first five days. The dealership stated " how do you know it is axle damage? we do not cover tired damage '' I again informed them I took the car to a mechanic who informed me it was axle problem and the car was unsafe to drive. The dealership had previously removed two locking bolts from the two front tires prior to me taking the car. I informed the dealership that I did not want this vehicle and they refused to take it back. The car sat in my apartment complex for three weeks before the dealership showed up with a tow truck to take it. I never gave them a down payment and never made a monthly payment for this vehicle. Auto Now Financial has since reported on my credit report that I did made two payments one in XXXX and one in XXXX of 2016 although their report does not show amounts. They reprocessed my original loan that was paid off by the insurance company as a transfer to the account now listed on my credit report. This was done without my consent or my knowledge. I just found out today of this action. I have never been able to purchase another vehicle since they have done this. Auto Now took the vehicle back and resold it although they have still been reporting as late on my credit report
Consumer complaint received 2018-03-15
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: TRANSWORLD SYSTEMS INC (PA)

I RECEIVED A LETTER DATED XX/XX/XXXX FROM XXXX XXXX XXXXXXXX XXXX. ( ATTATCHED ). THE LETTER INFORMED ME THAT THEIR OFFICE WAS RETAINED BY XXXX XXXX XXXX XXXX XXXX XXXX TO COLLECT A DEBT. I CALLED THE NUMBER PROVIDED AND EXPLAINED I HAD KNOW IDEA WHAT THIS WAS ABOUT. ALL MY STUDENT LOANS WERE CONSOLIDATED IN XXXX. I HAD NOT RECEIVED ANY BILLS FROM THIS COMPANY AND ALL OF SUDDEN IA MTHREATENED WITH A DEBT COLLECTOR. I TOLD THE ATTORNEY ( XXXX XXXX ) TO SEND ME PROOF OF WHAT HE WAS TALKING ABOUT. 
ON XX/XX/XXXX I RECEIVED AN EMAIL FROM MY FORMER BANKRUPTCY ATTORNEY 'S SECRETARY ( ATTACHED ) WITH AN ATTACHED LETTER FROM THE XXXX XXXX XXXX ( ATTACHED ). THEY SENT MY FORMER ATTORNEY DOCUMENTS SIGNED ON XX/XX/XXXX FOR A XXXX XXXX LOAN ... NOT XXXX XXXX XXXX XXXX  BUT THESE DOCUMENTS WERE NOT MAILED TO ME. WHY? MY BANKRUPTCY ENDED A FEW YEARS AGO. 
I NEED HELP BECAUSE I DO NOT BELEIVE THIS COLLECTION IS CORRECT. I REFINANCED MY HOUSE LAST YEAR AND THIS NEVER CAME UP AS AN ISSUE. I CONSOLIDATED MY STUDENT LOANS AND YET I AM GETTING AN UNEXPECTED HARRASMENT FROM THIS LAW FIRM REPRESENTING THIS XXXX XXXX XXXX XXXX XXXX. PLEASE HELP ME
Consumer complaint received 2018-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

We had a loan for a used XXXX XXXX XXXX with XXXX XXXX XXXX XXXX. On XX/XX/XXXX XXXX wrote a letter that the entire balance on our loan was due and that we should call them asap to resolve the matter and that they wanted to work with us. The subject line of the letter stated " Payment options available for your account ending in XXXX - action requested. '' They " charged off '' the balance the same date as the letter. They gave us zero time to pay this balance, which we paid the entire amount of {$2800.00} in two payments, including their fees of {$940.00} within that month. ( See documentation ). It is true that we were behind on our payments, but my husband was in contact with XXXX XXXX regularly to make arrangements to make payments. 

Our contention is that we were given no chance to remedy this before it was charged off, and a large part of the charge off is their fees, which we believe is illegal. Their correspondence clearly states they have payment options available and want to work with us. A few of the credit reporting bureaus are showing that this account is a charge off and we owe {$1800.00}. This is not true, we paid the balance in full including their fees by XX/XX/XXXX and have the title to the car in our possession. If any consolation, this was right around the busy holiday season and should be taken into consideration. 

In talking to XXXX in the office of the president at XXXX XXXX XXXX XXXX, she informed me that calls were made to my husband or myself, in which we were notified that this account was going to be charged off. Neither my husband nor I, received any phone calls. I asked XXXX if she had proof of this and she said I would have to subpoena them for this information. We are not litigious and do not know how to do this, and should not have to do this. 

Attempts to remedy this dispute with the credit reporting bureaus and XXXX XXXX, have proved futile. What XXXX XXXX has done charging off their fees, we believe is illegal, and they gave us no time to actually take care of this obligation. 

We respectfully request a full investigation into this, and that they credit reporting bureaus be notified that this account has been paid in full and that the charge off be removed. There is no sufficient reason a charge off should continue to appear on our record for up to 7 years, when this was paid within a month of notice of acceleration. In addition, the months of XXXX and XX/XX/XXXX, at least one credit reporting agency shows a FP or failed to pay. This is incorrect and attempts to have this changed have not been corrected.