davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-25
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 (OR)

I was on a tour in XXXX and the guide took us to a jewelry shop where I attempted to purchase some gold jewelry. They had me sign paperwork and charged my credit card Then they asked for my passport. I had left my passport in the hotel a couple hours away They said they would bring the jewelry to the hotel later. When they arrived at the hotel they refused to provide a certificate of authenticity for the gold jewelry. 
I asked to cancel the transaction because I was suspicious this wasn't real gold. The merchant took the jewelry and said the transaction was canceled. I have video I took with my phone of this exchange with the merchant. 
I notice that they charged my credit card. I disputed this with Capital One, they reversed the charge but a few weeks late they charged my card again. I told them I have video of the entire exchange with the merchant taking the jewelry and saying the transaction was canceled. Capital One said it is their policy they don't accept video and I should take a picture of the video to send them. But a picture of the video doesn't show, or allow them to hear, what the merchant did and said. 

I can provide the video but am having trouble with the 10mb file limit. Let me know if you need it and I can try to break up the video to smaller pieces
Consumer complaint received 2019-01-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Acceptance Co., LLC (FL)

XXXX XXXX called me on XX/XX/2019 from the number XXXX. She indicated that she was an attorney working for the American Acceptance Law firm and that I owed her over {$4000.00} for debt and legal fees for an account with XXXX XXXX XXXX. I have never had an account with this bank and this debt is not mine. She somehow had my Full SSN and threatened release it. She also informed me she would be contacting my employer to garnish my wages. When is started asking for details she told me that she could drop the legal fees if i would pay her the amount of {$360.00} now over the phone. Again i told her this is not my debt and I will not pay. She then told me I had been " served '' and she will reach out to my employer to garnish my fund for the full amount in excess of {$4000.00} amount and hung up on me. I looked into the company and this is not a law firm but an LLC. They are not licensed in the Stare of Florida rather the state of Colorado. This seems like a scam to me.
Consumer complaint received 2019-01-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TCF NATIONAL BANK (MN)

XX/XX/XXXX TCF- charging over draft fees XXXX and sending a " notice of overdraft XX/XX/XXXX '' same day 'supposedly '' over drawn- When on this day XX/XX/XXXX I have receipts of XXXX  {$6.00} at XXXX and a USPO {$10.00} united states post office ( book stamps ) @ XXXX Question here " How does a XXXX transaction electronic ( bank card ) end up on ( Same day XX/XX/XXXX TCF Notice of overdraft being sent out that day? 
On XX/XX/XXXX I had a mortgage payment XXXX  and online shows I was XXXX short/negative on " running balance '' to this date running balance did not change, I called customer service about this overdraft fee and response is ( different amounts of ' account balances- after mortgage payment went through - I said " It's obvious here that you see on your screen- completely Different amounts from what I see online-and I asked to have fees waived- response from bank representative is " No we can not waive the fee_ I then asked ( why not ) response ' Because ( you ) have a history of over drafts '' I said because I filed complaints in the past ' she then Hangs up the phone. I have seen complaints from other TCF customers who also have stated " Seeing Different Amounts on customers online banking compared to Bank reps on the phone- I feel discriminated by bank teller " my history '' I have a Right to file complaints '' and here again- I have enclosed copies of my retail purchases along with TWO Notices of overdrafts another XX/XX/XXXX **By Comparing these Two Notices- Proof Stands Out -as Duplicates of XXXX  and USPO charges with " Balances- BEING- Totally Different " Showing FRAUD Deceiving Misrepresentations/Abusive Conduct/Practices*** Most recent Court case against TCF in UNITED STATES DISTRICT COURT OF MINNESOTA CASE XXXX ( XXXX ) filed XX/XX/XXXX Judgment entered- *This is Substantially Same Facts /Same Conduct '' Continually Happening '' ( HERE is Proof- of Mishandlings- Intentional Acts ). 
It's obvious that TCF Deceptive/Abusive/Manipulations of Dates Amounts Transactions Notices Are All IN TCF CONTROL- Regardless of " Following Court Orders '' To Prevent '' any REOCCURANCES of Same Issues-Plus I have OPT-OUT On Overdrafts Fees '' There are No Justifications for Overdraft Fees- my " online banking " shows '' Differently and Bank Teller on Phone `` States again different amount and the Notices are Completely Different * So what is " ACTUAL PROOF ''? Notices are DUPLICATED CHARGES FOR SAME ITEM ( INTENTIONAL ) and MANIPULATED by TCF/Bank - WHAT IS A CUSTOMER TO TRUST? Notices-Online Banking-My Transactions Print out online " Does Not even show a " DATE_TIME_OR THE TCF LOGO- Same as Deposits date- BUT-No TIME. XXXX   receipts prints date AND time for electronic payments " bank card '' same USPO receipts
Consumer complaint received 2019-09-09
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (NV)

On XX/XX/2019 I submitted payment electronically to TD Bank USA N.A who is the finance company for the Target Card. On XX/XX/2019 the payment posted to my checking account and the funds were electronically withdrawn by TD Bank. On XX/XX/2019 I reached out to the bank to ask why if the funds had come out of my account have they not applied the payment. I was told to either wait or I could in a conference type call with them, we could call my bank and with them on the phone listening to my conversation have the bank state funds were debited and they would credit my account. Its now the 9 so 10 days since payment was paid and TD Bank still is refusing to credit my account unless I contact my bank ... I really feel like this has to be borderline illegal ... Please help
Consumer complaint received 2018-03-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (GA)

I XXXX XXXX Have spoke with the company and informed them that I never made a purchase of that sort from XXXX XXXX XXXX and I also informed that I visited the XXXX XXXX XXXX location and they stated that I was in great standing with the company and that nothing was owed.
Consumer complaint received 2018-12-24
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (GA)

XX/XX/2018 I opened the XXXXXXXX XXXX XXXX store credit card through XXXX XXXX. Was making purchases and paying balances off but the bank was never crediting my account and charges late fees, penalties, and interest to my account. Also, reporting to the credit bureaus as my account being delinquent. When calling to speak with a representative she stated they did not have my correct address and was receiving return mail from me. However, when we verified my address with what they had in the system it was correct.
Consumer complaint received 2020-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

US DEPT OF EDUCATION/XXXX  XX/XX/XXXX = Closed Balance = $ XXXX  Monthly payment = {$0.00} Current Payment Status = 120 Days Late Is that even possible?! 

I began serious work on my credit file in XXXX. My first step was to consolidate my student loans. The Dept of Ed happily closed all of my accounts and transferred the balances to a single XXXX XXXX account. It took a lot work, but I managed to bring my scores up into the mid and high 600 's by XX/XX/XXXX. 
I was preparing for the day my mother passed away and HUD foreclosed on the reverse mortgage, also known as my family 's home. My mother passed on XX/XX/XXXX. Foreclosure was set to began 6 months later, during the first week of XX/XX/XXXX. 
I wasn't prepared for the amount of points I lost when my mothers accounts were removed from my file. I frantically pushed my numbers as fast and as far as I could until late XXXX then I began the purchase process knowing my options would be limited but time was quickly running out. 
I finally found a lender that would accept me and just as we were about to sign, the entry shown above posted at the bureaus. I lost an average of 63 points and with it any chance of securing the loan I desperately need before HUD lays claim to our home. 
I successfully disputed this account and they removed the notation, " last payment status = 120 days late '' last year. 
It reappeared in XXXX with a vengeance because now it shows " Current status '' = Late. On XXXX  I even saw XXXX and XXXX of last year marked in Red. That seemed to go away after I called them but the " current '' notation still stands. 
This entry has destroyed my life. I am now marked as currently delinquent by 4-6 months. Lenders laugh at me. 
Reporting an account that has a {$0.00} balance as late is beyond irresponsible in this arena. I would charge the U.S. Dept of Education and all 3 credit bureaus with negligence at the very least, tampering with malicious intent seems more accurate. It could become a XXXX  charge if my XXXX wife perishes because the damage from this entry forced us outdoors into XXXX. I would level these charges but, of course, I can't afford an attorney.
Consumer complaint received 2023-06-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (NY)

I have been contacted numerous times by Sunrise Credit Services about a XXXX XXXX XXXX  from XXXX that is not mine. It's from an apartment I vacated in XXXX. I have told them this many times and have asked for proof of the bill via my email. 

They never send it to me and keep calling.
Consumer complaint received 2019-01-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (NV)

I opened the XXXX credit card to use on a recent vacation. after i got my first statement I realized the account had a annual fee of {$49.00}. I was very disapointed to get this fee when none of my other credit cards have annual fees. I contacted the bank requesting to waive the annual fee. to my surprise they declined my request. i am giving one last chance to have that annual fee waived at least for this time, before i am forced to closed all my Chase accounts.
Consumer complaint received 2018-12-24
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. (MS)

This is my second complaint with the CFPB about the collection agency, XXXX XXXX XXXX. XXXX is not reporting correct or accurate information. They are reporting inconsistencies to all of the credit reporting agencies and are verifying inaccurate information. They also marked my previous disputes as frivolous to discourage me from disputing despite being provided proof of their lack of a proper investigation into the reporting. Attached are screenshots of the account they are reporting to the credit bureaus. They are reporting different open dates and balances but are verifying them as valid. How can information that doesnt match prove to be valid? XXXX  is reporting a {$0.00} balance and open date of XX/XX/2017 and the same account is reporting a balance of {$1100.00} and an open date of XX/XX/2017. How is this accurate and valid if the information is not the same for the same account? This is a clear violation of the Fair Credit Reporting Act. This also shows a lack of proper investigation on the credit bureaus part as well. XXXX is creating a financial burden causing me to be denied credit due to their inaccurate, incomplete and inconsistent reporting to the credit bureaus.
Consumer complaint received 2018-12-24
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: Experian Information Solutions Inc. (MS)

This is my second complaint with the CFPB about the collection agency, XXXX XXXX XXXX. XXXX is not reporting correct or accurate information. They are reporting inconsistencies to all of the credit reporting agencies and are verifying inaccurate information. They also marked my previous disputes as frivolous to discourage me from disputing despite being provided proof of their lack of a proper investigation into the reporting. Attached are screenshots of the account they are reporting to the credit bureaus. They are reporting different open dates and balances but are verifying them as valid. How can information that doesnt match prove to be valid? XXXX  is reporting a {$0.00} balance and open date of XX/XX/2017 and the same account is reporting a balance of {$1100.00} and an open date of XX/XX/2017. How is this accurate and valid if the information is not the same for the same account? This is a clear violation of the Fair Credit Reporting Act. This also shows a lack of proper investigation on the credit bureaus part as well. XXXX is creating a financial burden causing me to be denied credit due to their inaccurate, incomplete and inconsistent reporting to the credit bureaus.
Consumer complaint received 2021-07-15
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: EQUIFAX, INC. (AL)

On XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report. To this day 30 days later I have not received a response. I feel as if I am being taken advantage of and my disputes are being ignored. Section 611 ( a ), it states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, and it has been well over 30 days so they should be deleted promptly. I demand these unverified accounts be deleted, and any late payments that cant be verified be removed and the updated to paid as agreed. My information was also impacted by the Equifax data breach.
Consumer complaint received 2022-07-08
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (CA)

The card is working for deposits to the account, but not for expenditures. The card has over {$4000.00} on it now, but I can not buy anything with it or take money out online or in person. There is no way to contact customer service. The contact numbers are U.S. : XXXX and International : XXXX. When I call these numbers I just get an error message or hangup. I have called dozens of times over several weeks. 

When I go to my online account, there is no option to email or chat for help with my account. There are no notifications of any problems with the account on the online account. I receive regular emails from the credit card company about my account, but there have been no notices about any problems with the account or the card. The emails do not allow me to reply to them.
Consumer complaint received 2019-01-16
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. (NV)

On XX/XX/2018, I was trying to acquire a personal loan thru XXXX. When running my report It was noted that I had a delinquent account. On XX/XX/2018 I pulled credit reports from all 3 credit bureaus, I filed a complaint for resolution to remove the negative account because it was reported as closed late, but it should have been reported paid closed never late. On XX/XX/2018 I contacted XXXX XXXX XXXX to notify them of their mistake. They were able to fix it under AUD Control Number : XXXX and sent all 3 credit bureaus the new information. On XX/XX/18 reporting was updated on XXXX, and XXXX   but not trans union. I submitted another dispute via trans union site on XX/XX/18 and On XX/XX/18 again I submitted 3rd dispute via trans union website, and ( 4th ) via telephone complain to supervisor XXXX XXXX at approximately XXXXpst. I also purchased a credit monitoring not by choice but because I felt obligated so my complain would be resolved. Its been 4 months and this is affecting my credit score and I can't buy a home or open credit due to their mistake.
Consumer complaint received 2019-01-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Madison Management Services, LLC (FL)

Shortly after I purchased my home, I had to have the windows replaced. The contractor I hired to do the work financed the windows and I was making payments on the loan. Then they sold the loan off and I was paying a different company. Then the loan moved over to another company and they stopped sending me statements and disappeared. I could not find out who I owed the money to and thus I had no one to pay. I tried for over three years to find who is holding the mortgage on my home and was unable to find them. A few years later I tried getting a loan on my home through XXXX XXXX, but they said I had a lien on the property for the loan on the windows. I was floored and now my property apparently is in foreclosure with a new company, Madison Management Services. I was getting help from them, but the lady who was helping me quit and the person who took over for her is incompetent. I can not get any traction on getting into a repayment plan and they have my home in foreclosure. My current income is sufficient enough to make payments on the loan and I want Madison Management Services to take a step back from foreclosure proceedings and initiate a proper review to resolve my mortgage issues. I was hoping that your agency would reach out to them to get them to work with me.
Consumer complaint received 2023-08-17
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: EQUIFAX, INC. (MI)

XXXX XXXX XXXX } { XXXX XXXX XXXX XXXX { XXXX } { Credit Bureau : XXXX XXXX XXXX  } { Credit Bureaus : ALL 3 } { XX/XX/XXXX RE : Request for Investigation of Unauthorized Credit Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on { XX/XX/XXXX } and I noticed an unauthorized credit inquiry had been made. I contacted { XXXX XXXX XXXX  }, who conducted the inquiry and asked them to remove their credit inquiry from my credit report. I request that you investigate the [ XXXX XXXX XXXX  ] inquiry on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. Thank you for your assistance in this matter, { XXXX XXXX  }
Consumer complaint received 2020-11-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

On XX/XX/2020 did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.
Consumer complaint received 2021-11-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Conn's, Inc. (NC)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Upon reviewing my updates, incorrect information was found in my reports. The 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : 1. XXXX XXXX**** Balance : {$2500.00} ; 2. XXXX XXXX**** Balance : {$2400.00}
Consumer complaint received 2021-11-05
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: EQUIFAX, INC. (IA)

Hello my name is XXXX XXXX and Im filing this complaint on behalf of myself and THERE IS NO UNAUTHORIZED THIRD PARTIES INVOLVED. I sent a dispute letter to Equifax on XX/XX/2021 pointing out the exact inaccuracies on my credit report only for them to not truly investigate the matter. Are they even truly conducting investigations or are they just automatically verifying things without conducting an investigation as required by law?
Consumer complaint received 2023-06-26
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CITIBANK, N.A. (PA)

I received two scam calls that i googled and appear on the black web. One of them was XXXX. After I received this call and hung up and blocked them, i received a second call from XXXX which is a local number to where I reside. They stated my social security number in the phone call and my home address. They stated I owed money on a citi bank card which i never even had. They told me that were coming to my house now to have me sign documents.
Consumer complaint received 2018-12-24
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: EQUIFAX, INC. (IL)

The two XXXX accounts listed below I was blocked from accessing the accounts or paying them. I had no way of bring them to positive status. 

XXXX XXXX {$1600.00} Other Negative XX/XX/2017 XXXX XXXX {$2700.00} {$1000.00} 274 % Revolving Paid XX/XX/2017 XX/XX/2017