davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-04
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 (MA)

We booked a hotel with XXXX on XX/XX/XXXX for {$290.00} paid by Visa ( Capital One ). 
The cancellation policy from XXXX stated a full refund if cancelled by XXXX XXXX. 

On XX/XX/XXXX we cancelled the booking with XXXX due to the Covid-19 pandemic. 

XXXX sent a generic email that we have to talk to the Hotel and that they can not refund the money. The phone line of XXXX was disconnected. An internet search showed that XXXX was in bankruptcy proceedings. Any further attempts to reach XXXX were unsucessful. 

When we contacted the Hotel, the booking agent told us that this reservation had already been cancelled by XXXX on XX/XX/XXXX. We were never notified by XXXX. The hotel had never paid for the booking. 

Capital One initially refunded us the {$290.00} to then charge us again for {$290.00} stating a lack of documentation. 
We have attached written documentation of every fact stated above. Capital One has all the documents as well. We had many phone calls with Capital One where we were quoted conflicting requirements, At each step we fulfilled the requested requirement and are now told that we are past the deadline of an appeal.
Consumer complaint received 2020-09-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: U.S. BANCORP (CO)

Subject : USBank incorrectly posting settlement agreement payments. 

On XX/XX/XXXX I entered into a XXXX XXXX with USBank for the sum of {$3300.00} to be paid over 18 scheduled payments with last the payment to be made XX/XX/XXXX. 

On XX/XX/XXXX, after contacting USBank by phone, I was informed the last 3 payments XXXX XXXX, XXXX and XXXX XXXX were not received. 

On XX/XX/XXXX, I faxed USBank XXXX XXXX ) photo copies, from my bank XXXX XXXX XXXX, of the last 3 payments made to, and deposited by, USBank. 

By XX/XX/XXXX, USBank notified me they had applied the missing XXXX and XXXX payments and that they were posted correctly to my account. 

On XX/XX/XXXX, I faxed USBank XXXX XXXX ) a second time, a photo copy, from my bank XXXX XXXX XXXX, of the XX/XX/XXXX payment made to, and deposited by, USBank. 

As of XX/XX/XXXX I havent heard from USBank regarding the latest ( XXXX XXXX fax and Ive a number of time to inquire as to the status only to be told I would receive a callback from the Supervisor [ name removed ] whom Ive yet to hear from. 

My credit scores continue to suffer because of USBanks error.
Consumer complaint received 2020-10-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CITIBANK, N.A. (VA)

Citibank closed a retail credit card with a rewards program that I had open with them. The two main issues are a privacy concern with illegal monitoring of credit reports and activity and discrimination in lending when I asked them for a credit line increase. 
First being as I typically use the card for everyday purchases and pay off the balance in full every month I would accumulate reward points very rapidly. However with the account being closed this forces me to pay an interest charge on the balance while I pay it off in increments. This was a malicious act by the credit card company in order to make money during the health pandemic and suggests that they are aware of my financial situation beyond the scope of what what is necessary for them to service my account Second, I have excellent payment history with the bank and have paid all of my accounts in full in the past and was repeatedly denied a credit line increase when I requested one based on my credit profile. This bank likes to act as the " Bank Police '' acting in a intrusive and malicious manner towards customers who may owe money to other banks without regards to the individual situation at Citibank often asking questions that are not relative and should not be part of a credit line increase request. 
Lastly, I believe the bank discriminated against me in lending practices being fully aware that such a low line of credit would keep my XXXX score low reducing my buying power and having an adverse affect on me financially. This is antitrust and a violation of Fair Debt Collection Practices and Fair Debt Reporting.
Consumer complaint received 2020-08-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. US DEPT ED XXXX {$8800.00} US DEPT ED XXXX {$4100.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX {$530.00} XXXX XXXX XXXX    XXXX {$18000.00} XXXX XXXX XXXX {$220.00} XXXX XXXX {$280.00} XXXX/XXXX XXXX {$2000.00} XXXX XXXX {$510.00} XXXX/XXXX   XXXX {$700.00} XXXX-XXXX XXXX {$490.00} XXXX XXXX {$740.00} XXXX XXXX {$3500.00} XXXX XXXX XXXX {$3100.00}
Consumer complaint received 2023-01-09
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: NAVY FEDERAL CREDIT UNION (NY)

On XX/XX/22 I received a letter from XXXX XXXX XXXX on behalf of XXXX XXXX XXXX demanding that I pay on debt that is based on fraud. I've requested proof of contract, proof of their books and accounting stating proof of lost, equal consideration, and proof of my financial obligation to pay. neither of which was provided. As of XX/XX/XXXX, more letters are being received as threats to potentially reposes my property. Violation 15 USC 1692 ( D ) It is to my knowledge that 15 USC 6802 I was supposed to be given the right to opt out of my Nonpublic personal information being sold to nonaffiliated third parties which was not done and is a violation of {$1000.00}.

15 USC 1602 ( p ) unauthorized used to which I received NO BENEFIT. and 15 USC 1692 ( G ) as collections are still being reported during disputes.
Consumer complaint received 2023-01-04
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. (LA)

According to the provisions of the Fair Credit Reporting Act [ 15 USC 1681i ( a ) ], report containing information sole as to transactions or experiences between the consumer and the person making the report this disputed items must be reinvestigated or deleted from my credit record within 30 days.
Consumer complaint received 2020-10-04
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Exeter Finance, LLC. (MS)

I had a car loan with Exeter finance. The car was stolen, so no payments was made. They where aware of the situation. They reported it to the credit bureau and when I called to 1 let them know the situation I was told if/when they got the car back it would be removed from my credit. Months later the car was impounded in a different state where they caught the person who stole it. I called them and arranged for them to go pick up the car even sending the spare key to the impound yard so they could get it. I called and made sure they got it now they are still reporting it. One credit bureau they are reporting {$12000.00} and on another they are reporting {$14000.00}. I want them to keep their word and remove it.
Consumer complaint received 2020-10-04
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. (IL)

I updated my credit report with my correct address. I requested that Equifax remove addresses. 

THE ADDRESSES ARE STILL SHOWING ON THE REPORT ALTHOUGH THE REPORT STATES THAT THEY WERE DELETED.
Consumer complaint received 2020-08-10
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: SYNCHRONY FINANCIAL (TX)

I have a loan with SYNCB/WALMART, SYNCB/CARE CREDIT, and XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, SYNCB/WALMART, SYNCB/CARE CREDIT, and XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2020-10-04
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. (IL)

Equifax   is not updating accounts in a timely matter. XXXX  has deleted accounts from XXXX XXXX. Equifax refuses to delete them although they were notified. I have attached XXXX 's policy. 

I've also attached the pages of my XXXX report that shows NO COLLECT ACCOUNTS REPORTED.
Consumer complaint received 2020-04-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC. (AZ)

AFNI is reporting a debt on my credit file. I recently checked my credit and notice this debt. I have never received any phone calls, letters, or any notifications. I called immediately to find out what this was regarding to and paid the debt. Afni is in violation of my 30 day right to dispute. I never received anything.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2021-02-04
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: Experian Information Solutions Inc. (IL)

XX/XX/XXXX RE : Request Investigation of Credit Inquiry on My Behalf Dear Sir or Ma'am, I recently conducted a review of my credit report, and I noticed that your agency showed one ( 1 ) credit inquiry that I find to be problematic. 
The first inquiry in question was apparently made by XXXX on XX/XX/XXXX and I have no recollection of doing any business with XXXX. 
I contacted XXXX, and asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done. 

Please investigate this inquiry at your earliest possible convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness. 
Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. 
Thanks for your prompt attention to this matter,
Consumer complaint received 2020-10-04
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. (IL)

Equifax is not updating accounts in a timely matter. XXXX   has deleted accounts from XXXX XXXX. Equifax refuses to delete them although they were notified. I have attached XXXX 's policy. 

I've also attached the pages of my XXXX  report that shows NO COLLECT ACCOUNTS REPORTED.
Consumer complaint received 2015-08-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

this fraudulent account that was removed/deleted in XX/XX/XXXX was reinserted on XX/XX/XXXX from transunion. Transunion failed to notify the reinsertion of this account within XXXX day.s
Consumer complaint received 2020-09-26
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: SYNCHRONY FINANCIAL (KS)

paypal issued two credits to my paypal credit account. 

one credit for {$47.00} on XXXX XXXX, 2020. PayPal Trans. id XXXX one credit for {$48.00} On XXXX, 2020. PayPal Trans. ID XXXX These credits were for recovery of bogus charges made against my PayPal account. 

I spoke with XXXX at XXXX a week ago and was told that these credits would be honored. 

THE CREDITS ARE NOT SHOWING ON MY LATEST STATEMENT FROM PAYPAL CREDIT
Consumer complaint received 2023-07-03
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: Self Financial Inc. (TN)

In XX/XX/XXXX the company Self Lender Inc furnished a XXXX late payment on my consumer report outside of compliance of the fair credit reporting act. Self Lender Inc. Account Number : XXXX Fair Credit Reporting Act XXXX5 U.S Code 1681a ( 2 ) ( a ) ( i ) Definitions ; rules of construction ( 2 ) EXCLUSIONS. - Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) Subject to section 1681s3 of this title, any ( i ) reports containing information solely as to transactions or experiences between the consumer and the person making the report. 

I reached out to Self on XX/XX/XXXX telling them that the transactional history between me the consumer and the person Self Lender is not supposed to be reported. They also failed to give me the disclosure on how to opt out of having my info shared with other persons. 

They ignored my letters twice. When I reported to the CFPB only then did they respond denying my request to delete the late payment. I showed them proof and I was treated poorly. In fact, after our communication when I reported the incident to the CFPB they closed my account. On XX/XX/XXXX, I sent a follow up letter pointing out their discrimination against me because I was using the law in good faith since the info they reported is negatively impacting my livelihood and hindering my ability to obtain credit. 

15 U.S. Code 1691 ( a ) ( 3 ) - Scope of prohibition ( a ) Activities constituting discrimination It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction ( 3 ) because the applicant has in good faith exercised any right under this chapter.

Self Lender Inc. Once again ignored the letter I sent certified mail return receipt. They received my letter XX/XX/XXXX and yet no correspondence. I am asking for your help that the law be enforced and that the late payment being furnished on my credit report be deleted and updated to Ok or paid as agreed please.
Consumer complaint received 2020-10-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This COMPLAINT/DISPUTE response to an entry THERE ARE SERIOUS VIOLATION OF THE FDCPA. 1ST FAILURE OF NOTIFICATION. 2ND THREATS AND CONTINUED COLLECTIONS EFFORTS WITHOUT ANY VALIDATION WHATSOEVER. 3RD NO VERIFICATION OF ALLEGED VERIFIED ACCOUNTS : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX. I HAVE FILED ALL THE REQUIRES PAPERWORK AND DOCUMENTS AND I HAVE YET TO RECEIVED ANYTHING IN RETURN.
Consumer complaint received 2020-09-26
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A. (FL)

When I called on the back of my Macys credit card XXXX it states that I have a special event account which is false. 
In XXXX I purchased a ring for XXXX XXXX XXXX birthday my boyfriend and there was a 12 month special interest on then. Which meant that I paid it off in 12 months no interest would be charged. 
The total amount was billed on my Macys store account and when I called the above number I was told that the amount for the ring was on a special event account also.I went in person and spoke to Macys Assistant Manager in the Jewelry department at XXXX XXXX who called also and confirmed that the 12 month special event only meant that if payment was made with 12 months no interest would be charged. 
I have a witness XXXX XXXX who was with me. 
On XX/XX/XXXX when I called to check on my statement balance, I was informed that a payment for XXXX was made to a Macys special event account which has a balance of XXXX. 
On my ebill payment which was supposed to made to my Macys store account via my checking account was not made even though it had the correct Macys store account Instead this special event account which is false stated that a payment was received on XX/XX/XXXX. 
Please help me. This is wrong. 
Thank you for your time and consideration.
Consumer complaint received 2020-09-26
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CCS Financial Services, Inc. (DE)

I'm constantly being harassed by Credit Collection Servic in the amount of XXXX. The account has been closed by previous company. I asked Credit Collection Servic to not contact me any more, or I will seek legal action against them.
Consumer complaint received 2020-10-04
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

USAA has not taken action regarding a letter I sent them on XX/XX/2020. I have not gotten any confirmation from them regarding the matter and I am concerned. This matter is causing me a lot of stress sand XXXX. I don't know why I must spend so much time trying to fix the mistakes by USAA regarding this autoloan.
Consumer complaint received 2020-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MA)

I am purchasing my mother in law 's home I have moved I am not able to purchase a home due to XXXX XXXX Putting a badd credit on me what happened was I moved and did not receive my mail for a month XXXX XXXX sent me a bill for {$130.00} I did not pay on time because I never received an invoice They put a bag credit rating on me for 30 days delinquent they have not told me if that has been resolved Please help
Consumer complaint received 2023-05-08
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: Experian Information Solutions Inc. (FL)

In accordance with the fair credit reporting act XXXX XXXX has violated my rights # XXXX. 
15usc 1681 section 602 A States I have the right to privacy.

15usc 1681 section 604A section 2 It also states a consumer reporting agency can not furnish an account without my written instructions. 15usc 166b States A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any reason.
Consumer complaint received 2020-10-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Recovery One, LLC (NC)

To Whom It May Concern, The reason for my dispute is RECOVERY ONE LLC # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, DEBT RECOVERY ONE LLC failed to give me my " XXXX-XXXX  '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) RECOVERY ONE LLC failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation RECOVERY ONE LLC is held  liable as well for defamation and in the state of NORTH CAROLINA indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where RECOVERY ONE LLC is in compliance with NORTH CAROLINA LAW. I also have reported this account to the FTC, and XXXX Police Dept. I need this collection account to be removed from my credit report. RECOVERY ONE LLC has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Consumer complaint received 2020-10-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Summit A*R, Inc. (CA)

Summit AR continues to attempt to collect in a non-compliant fashion as the debt they are attempting to collect on does not belong to me. I have asked them several times to communicate with my attorney and yet they have not contacted him and it has been over 30 days now. This is our final attempt to resolve this matter before the matter is escalated. No lawsuits have been filed yet.