davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

XXXX XXXX is violating FCRA. XXXX XXXX made a hard inquiry in error to Transunion on XX/XX/XXXX. I did not apply for any XXXX XXXX products, nor do I have a current relationship with this company, that would grant permissible purpose to pull my credit. 
I contacted XXXX XXXX on XX/XX/XXXX and spoke with customer service. They could not see any relationship established. They asked me to send a copy of my credit report, but I wasn't comfortable doing that. So, I contacted Transunion the same day and they filed a dispute with XXXX XXXX. I was provided a case number of XXXX to reference. 
Followed up w/ TU on XX/XX/XXXX and was told to provide a police report. I'm not even sure what I would put in one - I don't know what is going on. The person I spoke with told me she would notify the company ( again, I guess? ) and they would be required to respond in 30 days. 
On XX/XX/XXXX, I also mailed a letter to XXXX XXXX XXXX Department at XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX stating my issues and concern as well as provided a screen shot from my TU credit report documenting one XXXX XXXXXXXX hard inquiry on XXXX plus 2 soft inquiries also from XXXX XXXXXXXX. I don't haven't had a recent relationship w/ XXXX XXXX to know what these are from? 
On XX/XX/XXXX - I contacted Transunion and was informed XXXX XXXX never answered their dispute inquiry. I contacted XXXX XXXX and they said I had not given enough time from my letter mailing on XX/XX/XXXX to receive a response. 
NOW, it is XXXX and the hard inquiry remains on my report and any dispute inquiries have gone unanswered. I want this inquiry explained and I want it removed b/c it is not correct.
Consumer complaint received 2023-05-18
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Chime Financial Inc (FL)

I'm not quite sure what has occured with the transactions between the bank Chime and the online company XXXX. The problem is in regards to insufficient refund. The total of the transactions where XXXX dollars, I've only received a XXXX dollars deposit back into my account. I've called the coustomer service department several times and everyone seems to be incompetent. There's has not been a sufficient resolution or attempt, just a run around. There also seems to be a situation with the account statements matching, each statement has different transactions. There are services being provided however, there is a competency situation on the rules, regulations, and statues.
Consumer complaint received 2023-05-18
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. (GA)

I recently viewed my credit reports/files from XXXX, Equifax, and XXXX. All 3 of the credit reporting agencies are reporting XXXX collection accounts from XXXX XXXX XXXX XXXX : 1. $ XXXX acct # XXXXEquifax acct # XXXX XXXX 2. $ XXXX acct # XXXXEquifax acct # XXXX XXXX This information is inaccurate and is causing a negative impact against my reputation. I do not and have never had a contract with XXXX XXXX XXXX XXXX XXXX is reporting this alleged debt as past due even though I have never been contacted regarding this matter. Furthermore, I did not give my consent to XXXX XXXX XXXX to have or purchase any information about me.
Consumer complaint received 2023-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX AL XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-02-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

Informed company over the course of the last year that this debt does not belong to me. They keep sending me paperwork of statements that have my name on it but the account with the original creditor was closed due to identity theft. This account is not mine and they have failed to respond to my contact attempts to remove the debt from all of my credit reports. They also failed to provide adequate documentation that the account was opened by me, with my genuine signatures or authorization.
Consumer complaint received 2023-05-18
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 (FL)

Dear Capital One, XX/XX/23 I am writing to formally dispute a charge on my credit card statement related to a purchase from XXXX. I am requesting that the charge be reversed due to misleading information, failure to honor their stated return policy, ongoing difficulties in completing the cancellation request, and technical difficulties encountered during the return process. 
On XX/XX/23, I purchased XXXX concert tickets from XXXX for an event. Their website clearly stated that the tickets were returnable up to 3 days before the event date. However, circumstances changed, and I needed to buy an additional ticket while ensuring that all three tickets were in the same section. To achieve this, I returned the original XXXX tickets and placed a new order for XXXX tickets on XX/XX/23. 
Despite adhering to XXXX 's return policy, I did not receive a refund for the original XXXX tickets. Instead, XXXX offered me a promo code to use at a later date on their website. This resolution is unsatisfactory for several reasons. Firstly, I already met the terms of their return policy by placing a new order for XXXX tickets, effectively using the amount from the original order towards the new one. Secondly, I have no use for the extra XXXX concert tickets and do not wish to engage in the business of selling tickets. Lastly, I have no intention of making future purchases through XXXX, rendering a credit on their website worthless to me. 
Furthermore, I encountered technical difficulties while attempting to complete the return process, which resulted in the return not going through as expected. Despite reaching out to SeatGeek.com for assistance, I was informed that they were not obligated to refund my tickets, even though I made a genuine effort to return them within the specified timeframe. 
These circumstances have caused me significant frustration, financial loss, and wasted time. I trusted XXXX 's advertised return policy and acted in good faith, only to be denied the refund I am entitled to and faced with ongoing obstacles in completing the cancellation request. 

I have made multiple attempts to resolve this issue directly with XXXX, but they have been unresponsive and uncooperative. Therefore, I am seeking your assistance in resolving this dispute. I firmly believe that the charge for the returned tickets should be reversed, given the misleading information, the failure to honor their return policy, the technical difficulties encountered, and the ongoing difficulties in completing the cancellation request.
Consumer complaint received 2023-08-22
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC. (TX)

Santander was involved in a class action lawsuit/ settlement where any derogatory information should be removed from consumer reports due to unfair treatment of consumers. I have contacted Santander multiple times and received no response, they are also in violation of the XXXX code. Santander website shows anyone who received a loan between XXXX qualify for them to forgive the remaining balance on the loan. My credit report still shows a balance of XXXX owed to them. Please have this resolved and removed asap as this has been holding me back from moving forward with becoming a home owner.
Consumer complaint received 2023-08-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I used my Capital One Spark business credit card to make a payment on XXXX, as I was buying a website through the services. I've used a credit card on the website before with no problem. It does involve a paying a processing fee, which was fine. 

I made the payment on XX/XX/17 in the amount of {$4800.00}. On that same day, I was charged a {$140.00} cash advance fee, even though this wasn't a cash advance transaction. 

I double checked on the XXXX website to ensure that a credit card transaction wouldn't be processed as a cash advance. ( I've included a screenshot from their website stating that. ) I called Capital One explaining that this was not a cash advance transaction and I shouldn't be charged a cash advance fee. They said there was nothing they could do about it because that's how the merchant tagged the transaction. So then I called XXXX and they said there's nothing they could do about it because it was Capital One that charged me the fee. 

Clearly, Escrow.com and Capital One need to fix the process between themselves, but in the meantime, I'm stuck with a {$140.00} fee that no one can seem to help me with.
Consumer complaint received 2023-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (VT)

On XX/XX/2023 I settled a charged off account with Wells Fargo. The balance was {$880.00} and Wells Fargo agreed to settle the account in full for {$220.00}. On XX/XX/2023 Wells Fargo reported to the credit bureaus that a payment had been made on the account but said the account was a charge off that still had a balance of {$660.00} - when they should have reported a balance of {$0.00} as the account was settled in full I spoke to Wells Fargo today and they sent me documentation that the account was settled in full but refused to update the credit report accordingly Wells Fargo case # XXXX
Consumer complaint received 2023-08-22
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NV)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

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. 

Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 report by 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 the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-10
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. (DC)

i have made several attemps by sending dispute letters to all XXXX credit bureaus regarding enquiries and negative items on my credit reports. As of today XX/XX/2023 most of these accounts and enquiries are still showing on my credit report. Please remove them asap. I am having difficulties accessing any funding or even getting a job because of this issue. 

I need these companies to remove their accounts from my credit report immediately : XXXX XXXX XXXX in the amount of {$46000.00} XXXX XXXX XXXX  XXXX the amount of {$18000.00} XXXX XXXX XXXX. closed account XXXX XXXX  XXXX XXXX XXXX  charged off XXXX XXXX XXXX. closed account XXXX All XXXX XXXX XXXX XXXX XXXX XXXX  accounts for {$5600.00} - {$8900.00} - {$5700.00} - {$9100.00} And also the enquiries on my credit report aswell, XXXX  XXXX theirs but the other XXXX bureus did not. 

thank you
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter.

The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2023-08-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC (SC)

I bought a vehicle with US Auto in XXXX SC back in XXXX, the company abruptly shutdown in XXXX of XXXX after I had made 2 payments to them, in XXXX  another company by the name of Westlake took over out nowhere, they never introduced themselves they didn't send any documents for me to sign agreeing on them being my new lender or paying them, they just sent me a bill in my email saying I owed 2 payments for them of {$240.00} that I knew I made in XXXX, I made the payments anyways thinking that maybe I forgot or something, but when I went to there website to see my payment history nothing exist, I couldn't pull anything up they increased my loan amount from where it originally was, they don't send any receipts of payments once made, they'll call and send letters but when I call back to try to speak to someone they don't answer or are very rude, right now I've stop making payments cause I don't want them as my car loan carrier
Consumer complaint received 2024-01-24
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. (CA)

XXXX has stolen money submitted unilaterally that I sent on XX/XX/24 for XXXX. The payment made included statement saying it was for my rent so unsure why they went ahead and cashed it. I tried calling they hang up. They also have made false statements such as incorrect amounts on past bills and added fees they have not previously mentioned. They have stolen from me and I demand this company investigated properly and provide me with additional information as to when I will be getting my rent money back.
Consumer complaint received 2023-08-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have had XXXX Capital One credit cards for over XXXX decades. They periodically change the name of the cards and replace them with new ones. They are charging me $ XXXX annual fee even though if I applied as a brand new customer today that fee would be $ XXXX for this particular card. I requested a no-fee card but they refuse to consider an upgrade or even a downgrade. They are trying to say since the fee was $ XXXX way back in 2002 when I got the original card that this is the fee forever - even though this is NOT the same card that I was originally issued. They are doing this because they can get away with it. Please hold them accountable.
Consumer complaint received 2023-08-21
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC (FL)

Selene Finance information is inaccurate and holds no merit and the total amount was not {$18000.00}. The owner and holder of the loan was XXXX XXXXXXXX XXXX XXXX. This Government Agency held my loan from XX/XX/XXXX to XX/XX/XXXX which is the payoff date. Selene Finance did not own or was the holder of the loan. Attached to this complaint is the legal document that is certified and notarized as evidence, XXXX XXXXXXXX XXXX XXXX, SATISFACTION OF MORTGAGE NOTE AND LOAN MODIFICATION AGREEMENT. Let me reiterate that this loan was owned by a Government Agency and was not held by Selene Finance. Therefore Selene Finance can not contest a legal dcoument that has been filed with the XXXX XXXX XXXX XXXX. In XXXX, Selene Finance did not have any authority to offer any modifications because legally Selene Finance did not own the loan and there was already a modification in place though XXXX XXXXXXXX XXXX XXXX in XX/XX/XXXX.
Consumer complaint received 2019-02-06
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: JPMORGAN CHASE & CO. (VA)

I rented a car from XXXX in XXXX, XXXX on XX/XX/2018 and I returned it on the scheduled drop off day. When I returned the car I checked it thoroughly with the XXXX agent present and no damages where found. I was also asked to sign a report stating that no damages were found to the rented vehicle. On XX/XX/2018 I noticed a charge of {$350.00} on my credit card from XXXX. I did not authorize this transaction, and I did not know what this charge was for. 
I disputed this transaction with Chase, my credit card company, but my dispute was denied because " We [ Chase ] found no evidence of a billing error based on our research and the information available to us '' ( Letter dated XX/XX/2018 ). This letter came with an invoice for damages - XXXX euros and fee XXXX euros - but no other details or documentation about the alleged damages. 
Since I did not damaged the rented car, I asked Chase to reopen my dispute case ( Claim ID : XXXX ). 
Last month I received a letter from Chase dated XX/XX/XXXXstating " We [ Chase ] confirmed that the transactions you disputed are valid '' and " While you may have a valid complaint with the merchant, the results of our additional review confirm that the transaction is valid and no billing error occurred o your account. '' " We [ Chase ] maintain that the charges is valid based on the information available and the results or our research ''. 
The disputed charge is totally arbitrary and unsupported.
Consumer complaint received 2023-01-05
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. (GA)

My social security number has been compromised and there has been several accounts opened under my name and social since XX/XX/2022. Theres a XXXX XXXX, XXXX XXXX and XXXX XXXX  credit card under the social security number provided to me for which is fraudulent and needs to be removed from my credit report. Someone has been using my name, social and address and Ive been in the XXXX  since XX/XX/2022.
Consumer complaint received 2022-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Consumer complaint received 2023-10-18
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: CITIZENS FINANCIAL GROUP, INC. (NJ)

I was sent an email that acct closed and a check was sent to the address on file. I have owned this house and lived here since XX/XX/XXXX. After weeks of not getting the check, I was told it was sent to the state as abandoned property./ I spoke with a woman the very next day I got the email that the acct was closed and she confirmed my address that it was sent to XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX I contacted the ceo office since my son was depending on the fund which he has paid for my inhome help and other living expenses Got an email and called several times with no response I was never informed of the intent to close the acct. 
This is not a checking or saving acct that has regular activity and the cd just renewed XX/XX/XXXX. The agreement was I had no acces since my son paid my bills and for houseasssitant due to my age and several health comlications and medicaid could not find help. The acct was not abandoned and their email states it is closed and check sent to address on file so they have my address