davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-12
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I telephoned Walmart and reported my Walmart credit card lost or stolen and closed the account several months ago when the bill reached approximately {$300.00}. I took this action because I suspected one or more Walmart employees or someone was using the card to make purchases without my knowledge. I telephoned Walmart to clearly identify the purchases made with the card but Walmart instead sent me by US Mail an ill defined list of purchases that I was unable to decipher. Subsequently, Walmart began sending me outrageously inflated charges and erroneous bills apparently compounded bills. I telephoned Walmart and explained this but Walmart did not investigate and stop the fraud I alleged, and subsequently XXXX XXXX began sending me erroneously inflated bills for Walmart. I telephoned XXXX XXXX explained the alleged fraud but XXXX XXXX failed to investigate and stop the fraud I alleged. Subsequently,  Capital One Services LLC began sending me large bills and charges that amount to an erroneous or spurious Account Balance of {$910.00} and more. I subsequently telephoned Capital One Services LLC several times and each time I telephoned Capital One Services LLC, the employees that answered the telephoned refused to assist me and claimed they could not locate my information in their system. I finally mailed a letter to Capital One Services LLC via US Postal Service certified mail. Nevertheless, Capital One Services LLC continues to send me spurious bills and threatening messages and apparently completely ignored my letter alleging fraud and requesting to challenge and dispute the erroneous Walmart bills.
Consumer complaint received 2020-01-13
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. (NY)

I noticed a hard inquiry on my Equifax report from XXXX XXXX that was done on XX/XX/2019 that I did not do nor did I approve of. I contacted Equifax to dispute the inquiry but they told me to contact XXXX however the number provided for XXXX was not in service. I told Equifax it's fraud and would like it investigated and removed, their response was for me to contact XXXX and/or ger a police report.
Consumer complaint received 2020-01-12
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc. (FL)

Was told by santander not to do anything until I received paperwork from the sale of the vehicle ( which to this day hasn't been received ). Now I find out from the bureau 's santander charged off the acct without giving me any opportunity whatsoever on the closed acct. Santander has also violated the Fla consumer credit protection laws ( statute 559.72 ) as they never sent anything to myself prior to engaging in their deceptive practice ( which they have been sued for in various class actions for deceptive lending practices )
Consumer complaint received 2020-01-12
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (MI)

I was inquiring with Quicken Loans on XX/XX/XXXX as to the current mortgage rates available. They asked for my and my wife 's social security numbers, but I refused to provide it to them. They did ask some questions that they indicated that were for identification purposes only. At no time did they indicate they were going to access my credit. At no time did they ask for permission to access my credit. I did not provide the information needed to access by credit. However, shortly after the conversation, through credit monitoring services, I was informed that a hard inquiry had occurred to my credit by XXXX XXXX. I reached out to XXXX XXXX about XX/XX/XXXX to dispute the inquiry and they indicated that it has been initiated by Quicken Loans. On XX/XX/XXXX Quicken Loans ( XXXX XXXX ) responded to XXXX XXXX indicating Quicken Loans needed to access my credit data. I can only guess that they used older information ( XX/XX/XXXX ) when I was looking at loan options and gave them permission to access my credit. On XX/XX/XXXX I filed a police report with the XXXX County Sheriff ( cr XXXX ) and provided it to XXXX XXXX. On XXXX I spoke to Quicken Loans ( XXXX XXXX ) who indicated she listened to recording of the conversation twice and determined that the access was authorized. On XX/XX/XXXX I filed a complaint with XXXX XXXX asking for Quicken Loans to jointly listen to the recording that Quicken Loans ( XXXX XXXX ) indicated she had listened to twice for my authorization for credit access or to remove the unauthorized inquiry from my credit. Her response to XXXX XXXX was basically that a credit inquiry would not have a big impact to my credit and they felt I had authorized them to access my credit.
Consumer complaint received 2020-01-12
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

On XXXX XXXX i used a XXXX  ( atm type ) machine located at XXXX XXXX in XXXX Illinois, to get a cash advance on my Capital One credit card. The amount I requested was {$1700.00}. I was declined and no money was dispersed, ever. I had an odd suspicion/feeling about this at the time. I later logged into my Capital One account and found that indeed I was charged for the transaction. 

I contacted Capital One to investigate. Capital One did credit me back that {$1700.00} transaction and a couple other fraudulent ones. Shortly thereafter, they reversed the debits to my account, closed the account and stated that they looked into the matter with the XXXX  ( the vendor ) and concluded there was nothing wrong. I was never given proof of the transaction ( s ) ever occurring or proof of the cash being given to me, just a statement that they did investigate. To this day, I have made substantial payments to Capital One to keep my credit rating, but I feel that I am being taken advantage of, been abused and unfairly treated. I am a single consumer against two very large financial institutions. If I didn't get the cash advance, who did? Someone within either organization? Was this angle ever investigated? Why was no proof ever given to me?
Consumer complaint received 2024-03-02
Product: Credit 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: Chime Financial Inc (WV)

I made a withdrawal for {$400.00} on my Chime credit builder card on XXXX. The cash retracted into the atm due to " the transaction timing out '' and advised that I contact my financial institution. I was unable to start a dispute until XXXX as the transaction was still " pending '' on my account. I was advised yesterday that my dispute was resolved and that I would be getting charged for the {$400.00} I never received. I called and requested more information, a rebuttal on the dispute, a call from the " investigators '' to provide information and that the documentation of said investigation be sent to me via email. I would like help/advice on what I should do next, as it has already almost been XXXX XXXX an now may take up to XXXX more for them to reach a new resolution on the matter. I am 100 % confident that the atm I used would be + {$400.00} for XXXX. Please advise.
Consumer complaint received 2023-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.. 

Incorrect Address listed here XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX My only address is XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the rep more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-01-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC. (NJ)

Company advised of a website update for a period of one week, from approximately XX/XX/XXXX to XX/XX/XXXX. Company claimed that one time payments are unavailable during this period. Company claimed that if you paid your monthly auto loan payment via debit card, that the fee would be adjusted on your account. Well, I made my payment on XX/XX/XXXX and the measly {$3.00} has not been credited to my account. In fact, after 45 minutes on the live chat with this company, I was informed by XXXX with a reference number XXXX that it would be resolved. Several days later this has not been completed.
Consumer complaint received 2020-01-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (MI)

Since last reported on XX/XX/2019 I owe {$590.00} to XXXX XXXX XXXX. Not sure how that happened and not sure why they continue to badger me about something Im completely unaware of. I filed a dispute and I wait on results for that but I continuously refute the fact that I owe this amount.
Consumer complaint received 2020-01-12
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Since XX/XX/2019 I was in communication with XXXX XXXX, after cancelling my services, as to the final balance due. After a series on errors on their part, including but not limited to discrepancies as to when services ended, when equipment was actually returned, credits owed, etc. I made a final payment of {$580.00} in XXXX, only to be placed in Collections in XXXX for the full amount of {$780.00}. I alerted the FCC and eventually the NYS Attorney Generals office, in addition to TransUnion, after my credit score went from XXXX to XXXX. Now XXXX has also gone in and lowered my score an additional 8 points down to XXXX, which I also do not understand how your credit score can be lowered twice for the same item! 

In all my correspondence I have included copies of bills with errors highlighted, a letter from the XXXX Executive Relations office dated in XXXX stating my balance had been adjusted to {$590.00} and a copy from my banking institution showing my payment of {$580.00}. I can provide all necessary copies to your organization upon request, however XXXX, XXXX, the Atty General 's office and the FCC have copies as well.
Consumer complaint received 2020-01-12
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: CITIBANK, N.A. (NY)

My name is XXXX XXXX. Ive been a victim of credit card fraud but my CITI bank wont help me. There were 3 transactions charged on XX/XX/XXXX, XX/XX/XXXX, ( {$260.00} ; {$890.00} ; {$54.00} ). I called the fraud department immediately when I saw these on my mobile app. They told me they will help me. I thought the matter had been taken care of. Than, on XX/XX/XXXX, I saw that I have been charged the interest. I called Citi bank and they said cause my card was present to the store. They refused to help me. They said I have to deal with the store. But how am I suppose to know where the store is, I swear to GOD.  I have never been to the store in my whole life, and that is their fault they did not see the significant was not from mine. And I really do not how the fraud had my card to present. That is unfair to pay the fee was not from me.
Consumer complaint received 2023-02-18
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (LA)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies 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 negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-01-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Retail Merchants Associates (LA)

Retails Merchant Association has a collection on my credit report for a debt that was paid as a result of a lawsuit by my attorneys. I have filed several disputes ; however, they continue to say the debt is accurate and refuses to remove the false collections off my report. Further, they harass me by continually calling to collect a debt that's already been paid to the original creditor. This debt needs to be removed and the phone calls need to cease.
Consumer complaint received 2020-01-12
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. (LA)

I am a victim of identity theft someone has inwuired to XXXX nut it was not me they say they can't move it even thought it's identity theft So if they were viven credit I'm suppose to pay it also this a fraud
Consumer complaint received 2020-01-09
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. (NY)

I am very upset over the credit report I recently received! This is totally out of control. I am amazed that the government allows you to make such obvious errors that damage people so badly. I am willing to do whatever it takes to make you responsible for poor reporting practices if you do not respond quickly and accurately to this letter. I don't know where you got the following accounts. I am requesting to remove account which I listed in Identity Theft because that one never belong to me, Some body used my ssn and personal information to applied for credit card. Please remove as soon as you can not mine account.
Consumer complaint received 2020-01-12
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. (KS)

I had a open account with XXXX XXXX. XX/XX/2014 is the date reported. I have paid the account balance in full and closed this, but it is still reporting open with a balance and also has Duplicated into two accounts somehow. I have contacted XXXX XXXX Multiple Times as  well as the Collection company that has bought this debt. Please help me get these two PAID Accounts removed.
Consumer complaint received 2020-03-05
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NV)

I contacted Portfolio Recovery to settle a debt with XXXX XXXX and came to a payment agreement to have it removed from my credit report and it still appears on my report. 

This unfair business practice that this debt collector has accepted a payment to settle the account but continues to tarnish my credit then why would I make a payment just to have the derogatory mark still reflect on my credit report.
Consumer complaint received 2020-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

These companies refuse to reveal the first date of delinquency. Revealing this will make this account expired by law. They continue to report it on my credit. Everytime that I send them a letter they act as if I am asking for the balance. I am asking for the first date of delinquency. I know what it is. I am waiting on them to lie. I know they are doing alot fo people this way. This is blatantly ignoring the FCRA laws. 

THIS IS NOT A DUPLICATE. PLEASE STOP JUST CLICKING THAT AND ACTUALLY READ IT! 

WHAT IS THE FIRST DATE OF DELINQUENCY? THAT ONE THING WILL MAKE THESE ACCOUNTS EXPIRED!
Consumer complaint received 2020-03-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Overdraft, savings, or rewards features — 
Company: Paypal Holdings, Inc (NY)

Conducting various transactions with PayPal, a handful of transactions have caused me issues. Specifically transactions for the first part of 2020. While the transactions have bounced back and my bank deemed not paid, I continually have hundreds ( currently approximately {$500.00} ) in NSF Fees. Further, PayPal constantly transfers an amount at a arbitrary date of their choosing. Every time I get a notice, there is no express indication that they are going to retry a payment at a specific date ( example, we will retry payment in 3-4 business days ). The emails do not provide a specific date. I am unable to keep up with the transactions, I have attached the transactions from PayPal for the last 2 months, and my bank account transactions for PayPal. Additionally, I attached the emails.
Consumer complaint received 2020-01-12
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CA)

I missed payments for XXXX and XXXX ; which I paid, but the amounts owed {$8000.00}. 
I have not idea how I owe {$8000.00} due to default ; when my mortgage payments {$2300.00}. 
I paid the {$4600.00} to catch up payment, but still would like further info on how they figured I owe {$8000.00}.
Consumer complaint received 2020-01-12
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: ERC (NY)

Opened up a credit site and noticed a fraudulent collection account and some fraudulent inquiries on all bureaus fraudulent accounts : ENHANCED RECOVERY COMPANY {$100000.00} XXXX XX/XX/XXXX ACCT # XXXX FRAUDULENT INQUIRIES : 1. XXXX XXXX XXXX SERVICES DATE XX/XX/XXXX ( XXXX ) 2. XXXX DATE : XX/XX/XXXX ( XXXX ) 3.XXXX XXXX XXXX Date : XX/XX/XXXX ( XXXX ) 4. XXXX DATE : XX/XX/XXXX ( XXXX ) 5. XXXX DATE : XX/XX/XXXX ( XXXX ) 6. XXXX DATE : XX/XX/XXXX ( XXXX ) 7. XXXX XXXX DATE : XX/XX/XXXX ( XXXX )
Consumer complaint received 2020-01-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: USI Solutions Inc. (DC)

On XXXX I received a letter from XXXX XXXX XXXX ACCT # XXXX on behalf of Usi Solutions Inc ACCT # XXXX attempting to collect a debt not owed or known of. This is a complaint as this company is in violation of 15 USC 1692c ( a ) -Communication with the consumer. Generally 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. As neither company have no written consent from the consumer or judgment from a court competent jurisdiction they have blatantly violated the FDCPA. To further there is no known or first hand knowledge or relationship with the two companies mentioned. This is TRESPASS and invasion of the consumers legally protected interest ( PRIVACY ). These companies are liable for violations under 15USC 1692ka1. THIS IS ALSO NOTICE TO CEASE AND DESIST ALL COMMUNICATION EFFORTS I would like to also ask are these companies in possession of the consumers social security number? If so then that is identity theft per 12CFR 1022.3h.If not then this is harassment per the FDCPA as they are trying to collect from the wrong person.
Consumer complaint received 2020-01-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: MARINER FINANCE, LLC (OH)

Account was charged off. The date of last payment was XX/XX/2013. Balance keeps growing which is illegal if its charged off. Shows high balance of {$2000.00} but reporting balance of {$4600.00}. Also the loan type on credit report is incorrect. Showing secured when it was personal.