davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-03
Product: Credit card — 
Issue: Cash advance fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION (AR)

On XXXX XXXX I was the victim of a crime, a cyber crime, a federal grant scam. 
On XXXX XXXX I called Capital One to report the fraud. 
They because it involved a cash advance I could not dispute the charge. 
But that I should report it to the local authorities. 
I proceeded to report the crime to XXXX XXXX XXXX XXXXThe FBI XXXXThe XXXX Oregon Police Case XXXX Fraud Department case XXXX XXXXThe Better Business Bureau XXXX The Attorney General and the Consumer Financial Protection Bureau XXXX 
At this point and on XXXX XXXX I called Capital One again and gave them all this information. 
They however still maintained that it was a crime, because I withdrew the cash advance I could not dispute the charge. 
They did agree to waive the {$25.00} daily interest fee on the cash advance. 
But that I should communicate XXXX 
I did and they thought there was some insurance that might cover this incident. 
Especially since it happened while I was traveling. 
The sent me to the FTC.gov and my case there is ref # XXXXThey said it would be Capital One who would be the one to remove the fraudulent charge. 
They said to contact the XXXX Division of Capital One. 
When I did that they said there was no such division and sent me to a supervisor named XXXX. 
He maintained that a cash advance can not be disputed. 
He also saw no promise the {$25.00} daily interest fee would be waived. 
I am a senior citizen who was taken advantage of and Capital One continues that chain of abuse. 
Please help me convince Capital One that I was robbed, even tho it was infact me who withdrew the money ; I 've never taken a cash advance before in my entire life and only did so because I believed wholeheartedly that I was the recipient of a federal grant and would be able to pay off the credit card immediately. 
Yes, I sent the crooks {$800.00} but with the huge interest fees my loses may exceed {$5000.00} if Capital One will not permit me to dispute the initial cash advance XXXX XXXX. Thank You!
Consumer complaint received 2022-03-09
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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX ( Original creditor XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance {$590.00} ; XXXX XXXX XXXX Inquired on XX/XX/2021 ; XXXX XXXX XXXX  on XX/XX/2021 ; XXXX XXXXXXXX Inquired on XXXX XXXX, XXXX are reporting on my personal credit file with ( XXXX/Experian/XXXX ) credit reporting agency . These inaccurate addresses, accounts and inquiries were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof these were opened, authorized or created by me.
Consumer complaint received 2018-08-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

All Consumers are affected negatively when generating credit scores when an installment loan is closed. The Credit Bureaus ( all of them ) drop the accounts time as active which affects the credit time frame. This shortens the average time frame accounts are opened thereby dropping consumers that have paid on time or paid off accounts scores by 10 - 20 pts depending on the age of other Open and Active Credit Accounts. This does not paint a true picture of the Consumer 's Credit Worthiness. Those accounts should not affect the consumer 's credit negatively. In fact once paid what should happen is the credit score should take in the time since opened and treat it as a -XXXX- balance Pd. instead of providing a negative status for installment loan or mortgage that was closed due to payment. This action by all 3 credit bureaus in the scoring calculation in negatively affecting the consumers. This should be corrected immediately. All Consumers are being affected negatively and no one does anything about it. XXXX, XXXX, TransUnion and the Creditors that report seem to want consumers to keep their debt and when they pay off they penalize the consumer by retracting /erasing the accounts open time frame so as to shorten their credit history. .This is a scam on behalf of the CRAs, and Creditors to negatively affect consumers for paying off their debt on time.
Consumer complaint received 2019-04-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (NY)

I was an XXXX customer. I had a complaint filed with the XXXX for unfair sales practices and fraud. ( they added services specifically XXXX  XXXX/XXXX XXXX  that I did not request. They also changed my passwords and secret questions ) The complaint was forwarded to XXXX Executive Office. The Executive office rep, Ms XXXX XXXX was able to resolve the issue by dissolving the existing accounts and starting a new profile. She also waived over {$200.00} in fees. I never actually had an account with XXXX  XXXX-XXXX, now Enhanced Recovery Company without communicating via phone or mail has placed this account on my credit file. This account continues to pop up on my credit report from various debt collectors. This is the 4th time and the 2nd time ERC has done this. How do they get away with this? I can only assume that XXXX XXXX XXXX XXXX XXXX is continuing to sell this debt that I do not owe. They made an error in their system, falsely created an account that I did not authorize and now continue to sell this phony erroneous debt. I am requesting that ERC and XXXX  clear up their records and remove this from my credit file. ERC has never communicated with me to give me the opportunity to confirm or deny the debt. They just placed the item on my credit report without process. That is wrong. This is the second time ERC has done this!
Consumer complaint received 2018-08-09
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 — Was not notified of investigation status or results
Company: AMCOL Systems, Inc. (TX)

Hello, I was contacting you to file a complaint on Amcol Systems debt collection agency. This issue with this derogatory account that they are constantly reporting my credit has not been resolved for at least 2 years. I've requested the information that I am entitled to have at least 5 times, and have yet to receive a response. I've been in touch with XXXX, XXXX, and XXXX and they keep on verifying the account as accurate without providing me with any type of feedback. This derogatory account does not belong to me. I do not even know where it came from. It's a debt for {$1000.00}.
Consumer complaint received 2017-02-14
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc. (CA)

I received a bill from see CmRE financial services for {$75.00} saying that the XXXX department of XXXX has placed my account with them for collection and I contacted the XXXX department of XXXX to find out that my account is in good standing and that they never placed my account with any collection agencies including CMRE
Consumer complaint received 2018-08-09
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Southern Auto Finance Co (TX)

The car was not clean title it was involve on an accident cause it had several important part missing on the suspension. Broken parts in half. Control suspensions screws. Pay the car for two years till i found out the truth. Then the company didn't wanted to help me. Ended up giving the bmw back to them. I was con.
Consumer complaint received 2022-03-09
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: EQUIFAX, INC. (MD)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2022-03-09
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. (MD)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2018-08-09
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. (NC)

I'm submitting this in hoping to get XXXX XXXX XXXX XXXX to remove a 30 day missed payment from my credit reports from XXXX of 2017. My husband was in the process of changing assignments and our pay was messed up. In addition there were fraudulent charges on my credit card account that I recently found out about and were able to dispute and win. I was credited over {$600.00} because of it. This affected my balance at the time and my ability to pay my bill.
Consumer complaint received 2015-07-31
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Firstsource Business Process Services, LLC (KY)

They keep calling, usually refuses to say who they are, or the company. When they do actually disclose this, they refuse to say why they are calling, other then to say its a personal matter. They refuse to state what the company does. They just keep saying its a personal matter, and the person does not even live here.
Consumer complaint received 2022-03-09
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. (NC)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you
Consumer complaint received 2018-08-09
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: Innovis (FL)

XXXX is listing an outdated " hard '' credit inquiry on my credit bureau report. 
The inquiry is dated XX/XX/2016 and is over 2 years old. The company that made the inquiry is XXXX XXXX, XXXX, XXXX. This inquiry should be deleted from my XXXX  credit file, because the Fair Credit Reporting Act, or FCRA, mandates that all credit inquiries that are 2 years old or older, must be removed, from a consumer 's report, immediately. 

I have contacted both XXXX  and XXXX XXXX  with no results.
Consumer complaint received 2016-06-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (MI)

Recieved a statement in mail from Convergent Outsourcing Inc in XXXX, WA. Claimed owed {$200.00} to XXXX but would settle the debt for {$70.00}. Provided method of payments including giving them your credit card info. We are long time XXXX customers in good standing. Called XXXX to verify we owed nothing and that they had never contacted a debt collection company. Went online and this company has XXXX complaints similar to ours with the XXXX. Total scam.
Consumer complaint received 2018-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I'm submitting this in hoping to get XXXX XXXX XXXX XXXX to remove a 30 day missed payment from my credit reports from XXXX of 2017. My husband was in the process of changing assignments and our pay was messed up. In addition there were fraudulent charges on my credit card account that I recently found out about and were able to dispute and win. I was credited over {$600.00} because of it. This affected my balance at the time and my ability to pay my bill.
Consumer complaint received 2022-07-25
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. (CA)

This is my 10th Complaint that I am a victim of identity theft and I COMPLAINT to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. 
These items are unknown to me. Also, the information provided on some items are DELETED from other bureaus and I have doubts about their accuracy and the reported payment history on some items is a mystery to me. Per required by FCRA 605B ( c ) ( 1 ) ( C ) CREDIT BUREAUS are require to remove any items which was opened without my knowledge, consent or authority within 4 business days : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance ; XXXX XXXX XXXX XXXX Balance {$3600.00} ; XXXX  XXXX XXXX Balance {$710.00} ; XXXX XXXX XXXX Balance XXXX ; XXXX XXXX XXXX XXXX Balance {$10000.00} ; XXXX XXXX  XXXX Balance {$5800.00} ; XXXX XXXX XXXX XXXX Balance {$95.00} ; XXXX XXXX Balance {$640.00} ; XXXX XXXX XXXX Balance {$130.00} XXXX XXXX XXXX  XXXX Balance {$1800.00} XXXX XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX  Balance {$310.00} ; XXXX XXXX XXXX  XXXX Balance {$640.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance {$760.00} XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying computer science, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX  XX/XX/2023 XXXX  XX/XX/2023 XXXX XXXX XXXX XXXXXX/XX/2023 XXXX XXXX XX/XX/2023
Consumer complaint received 2022-08-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Payfare International Inc. (MI)

My card is declining whenever I try to use it as a debit but goes through as credit. Today I'm trying to make an online purchase and the bank keeps blocking it " for my protection '' ( according to the payfare representatives ). I've spoken to several representatives and I've verified my account info several times over to prove it's me. I eventually asked for a supervisor and was transferred to who I later found out was NOT a supervisor so I asked for a supervisor again. This time I was told the supervisors are busy assisting other callers and was refused further help. So other customers are more important then me? Instead of unblocking the transaction, the representatives just keep repeating " this transaction had been blocked for your protection, please use another card, I will be disconnecting the call '' and then they hang up on me. Well my hard earned money that I worked for is on this card, this is the card that I use for fun purchases, and the bank does not have a right to hold it hostage! Stop blocking my transactions and actually provide your customers with service.
Consumer complaint received 2023-07-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2022-07-25
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. (GA)

I ordered a copy of my report in XXXX XXXX  and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Equifax and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the account listed below. I believe it was reporting in error. 
XXXX XXXX Balance : {$7300.00}
Consumer complaint received 2018-08-09
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: General Motors Financial Company, Inc. (FL)

In XX/XX/2018 I traded-in a leased XXXX XXXX XXXX for a new, XXXX XXXX XXXX which I purchased at the same dealer ( XXXX XXXX XXXX, FL ). 
Any further financial obligation for the car lease on the XXXX XXXX XXXX was, I was led to believe, the responsibility of the dealer. 

In XXXX, I received a bill for excess wear-and-tear on the XXXX XXXX for {$340.00}. I sent in the payment and GM Financial has acknowledged receiving it on XX/XX/2018. YET, FOR SOME REASON, GM FINANCIAL FILED A NEGATIVE CREDIT REPORT ON ME THE NEXT DAY ( XXXX ) THIS DESPITE THE FACT THAT PAYMENT WAS MADE AND DESPITE THE FACT THAT A REP HAD INFORMED ME THAT THERE WAS AMPLE TIME IN TERMS OF A GRACE PERIOD FOR THE PAYMENT TO CLEAR. 

It gets worse ... 

On XX/XX/2018 when I called GM Financial to follow-up, the recorded announcement stated not only that the {$340.00} was received, BUT THAT THE NEXT REGULAR LEASE payment was due in XXXX. 

I would like CFPB to do 2 things : 1 ) compel GM Financial to do the right thing and immediately retract its unwarranted negative credit report and note that it was filed in error ; and, 2 ) compel GM Financial and XXXX XXXX XXXX to work out between them the matter of any remaining lease payments on the XXXX XXXX, as per my trade-in agreement in XX/XX/2018.
Consumer complaint received 2016-04-14
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

On XXXX XXXX, 2016 I made XXXX payments towards XXXX of my USAA credit card accounts ( total {$380.00} ). Both payments cleared my bank on XXXX XXXX, 2016. On XXXX XXXX, 2016 I noticed the payments did not apply to the BALANCE of my accounts. I called USAA and the representative said it could take 10 days? After thinking about it, I realized it didnt make sense so I emailed the company on Sunday XXXX XXXX. On Monday, XXXX XXXX, 2016 I received a voicemail from USAA ( while I was at work ) so I returned the call the next day and and left a message for that representative. As of yet, ( 4 days later ), he has not returned the call. In the mean time, I called USAA on Tuesday, XX/XX/2016 and spoke with someone regarding my XXXX payments that have not posted and they stated an IT ticket number has been assigned to my case. Being that my due date and billing cycle were a few days away, I made another payment ( {$76.00} ) so there would not be an derogatory information on my credit report. I have been given and IT trouble ticket number and the " estimated '' time to have this issue fixed is XXXX XXXX, 2016. In the mean time, my billing cycle ends today and my credit reports will now reflect no payment for the month because of their errors. After numerous calls and passing me back and forth I am unable to get anything else resolved.
Consumer complaint received 2022-06-16
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Johnson Mark LLC (AZ)

On XX/XX/2022 called the attorney office Johnson Mark LLC from Utah, collecting for XXXX XXXX XXXXXXXX XXXX XXXX , that had my collection account to negotiate the debt, after negotiations we agreed to the amount {$2500.00} and the took from my account a higher amount without my authorization, {$2600.00}