davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-26
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. (NY)

Reporting inaccuracies on my credit report I recently disputed with all three bureaus that took more then 30 days for any validation or verification documents to be sent to me I have recently these items are inaccurate and need to be removed
Consumer complaint received 2023-05-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Block, Inc. (MA)

Cash app offers XXXX  on their platform. They advertise 3 types of transactions, priority, rush and standard which are tiered at different fees. The priority fee is highest then rush then standard. Multiple times I have selected priority only to have it take HOURS for the transaction to process. 

This is a blatant scam as they are internalizing orders before posting to the blockchain. Assuming priority selection, they should be immediately posting and processing the transaction, however they are NOT. I have had priority and rush transactions take the exact same amount of time. Ive been reaching out to cash app support for MONTHS now only to be sent in a circle going nowhere. 

Unrelated to my issue, they also steal peoples funds when processing payments between their platform and XXXX. Give it a quick XXXX search and youll see how much blatant fraud this company commits.
Consumer complaint received 2021-03-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Hi, I have a credit card account with Bank of America which for many years is set to auto-pay with my bank account without issues. 

Bank of America unilaterally changed the due-date of my credit card payment sometime in XXXX of XXXX and the following events happened : 1 - Late charges were posted to the account for XX/XX/XXXX, XXXX XXXX 2 - The card limit was reduced from XXXX to XXXX almost exactly the amount due 3 - My card was reported as delinquent to the credit bureaus 4 - My credit score went down and stayed down even though I paid any amounts past-due I called Bank of America customer service and the agent informed me that the due-date was changed in XXXX and suggested that, since due-dates don't change automatically I must have requested the change - I did not! and submitted a regular request for a credit line increase. I tried to talk to a supervisor but none was available. 

I heard from friends and colleagues that they also received a letter reducing the credit limit from Bank of America so I wonder if this is a systemic problem with Bank of America 's cards. 

Despite several frustrating calls, I truly struggle to understand why Bank of America would treat a long-time client like me so poorly.
Consumer complaint received 2022-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the XXXX  is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Consumer complaint received 2022-01-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( XXXX ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( XXXX ). Per 15 USC 1681 ( XXXX ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over XXXX months.
Consumer complaint received 2021-09-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (VA)

XXXX XXXX has currently reported to my credit that I owe {$140.00} which is impossible because I currently have an account with XXXX. Before I got this current account I had to pay off the remainder balance of anything which was owed.
Consumer complaint received 2019-05-24
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. (GA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-14
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: EQUIFAX, INC. (TX)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2019-07-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NJ)

Navient charged me a {$12.00} late fee on a federal consolidation loan. When I log in to my account summary it indicates that I owe {$190.00} on a private loan, {$0.00} on a fed consolidation loan that is on IBR, and {$12.00} on a second fed consolidation loan that is also on IBR. Each month  it claims that I owe XXXX plus XXXX. Multiple times I have tried to pay the XXXX believing that it was the amount of my IBR on that loan. However, I noticed that every time I made a payment the amount continued to be the same. I looked deeper into the loan and discovered that the XXXX is a late payment fee and each time I made a payment of the XXXX as is indicated that I owed on the monthly due date, the payment would not go toward payment of the late fee and instead be applied to interest only, leaving the fee un paid. The next month the fee would continue to appear and be due on a particular date, and if I tried to pay it they would not apply it toward the fee. So I called, the agent stated that payments towards fees can not be applied until all interest is paid off and the fee is applied " on the back end of the loan '', and that I do not need to pay it and it would not be reported to the credit agencies. I stated that if I was not actually able to pay the XXXX until all interest is paid then the " payment due on the XXXX '' demand should be removed, since you are demanding I make that payment of the late fee on that date and when I do as requested the payment is not attributed. And if I do not have to pay the fee ( because technically I can't ) I demand that you stop misleading me by making it " due '' each month. The agent said they can not do that. So each month, they demand I make a payment of XXXX on the XXXX, when in reality I am only required to pay XXXX. This is misleading way to collect a debt and goes against my rights. This debt collector ( Navient ) is first misrepresenting the amount I owe on the monthly payment from {$0.00} to {$12.00}, second they can not control which debts my payments apply to. They attempt to have me pay the late fee and when I do so they use it to pay a different debt ( the late fee ). Even when I have called to attempt to pay the late fee they would not allow me to do so until " all interest is paid '', forcing me into an outstanding " debt '' of a late fee that continues to roll over each month on top of my $ XXXX  monthly payment.
Consumer complaint received 2019-07-29
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. (PA)

XXXXXXXXcontinuestofurnishinquiresonmycreditreport.RequestedwrittenauthorizationandcompanyfailedtocomplyaccordingtoFCRAGuidelines.
Consumer complaint received 2017-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

Experian has a dismissed bankruptcy on my credit report and I would like to have that information validate, along with providing me proof that 's my debt. And if that is n't possible, have that and ALL other accounts attached to the bankruptcy remove from my credit report.
Consumer complaint received 2015-09-28
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A. (FL)

Citibank closed our Citibank MasterCard account for non usage. I had the Citibank account for nearly 10 years with a $ XXXX credit limit. Called them immediately and requested they reopen the account and they said they would process my request. A few days later I received a phone call from an XXXX number that I did not answer because I did not recognize the number and there was no caller ID attached to it. Apparently it was Citibank calling to verify my identity as they had pulled a hard inquiry on my XXXX credit report requiring they confirm my identity as per the fraud alert noted on my account. I have maintained fraud alerts with the credit bureaus for 15 years due to identity theft. When I called Citibank a few days later to check on the status of my request, they informed me it was denied because they could not confirm my identity. I explained the reason I did not answer their unidentified phone call and they said they would reprocess my request to reopen the account. A week or so later I received a letter stating my request had again been denied. This time the reason for denial stated " your credit report shows your balances are too high for the income that you reported ''. My retirement income, as reported, is over $ XXXX annually after taxes, I carry over " {$0.00} '' balances on my credit cards and my FICO credit score as of XXXX 2015 is XXXX. The only long term outstanding loan I have open with a balance is a low interest Home Equity Line of Credit on which I purchased a new car 3 years ago. Otherwise, we have no outstanding debt, pay our bills on time, never late ... not once in over 20 years, and have a substantial retirement income. Not only did they deny my request to reopen my CC account, which may lower my good credit score, they also pulled XXXX hard inquiries on my credit report within days of each other, further damaging my credit score.
Consumer complaint received 2022-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I was taken advantage of due to mild practice while several laws were being broken under the FCRA by your company. In result I've been unable to obtain credit and have experienced financial hardship and financial injury. I can not even obtain an XXXX loan to get my small business off the ground. Your company has hurt my ability to obtain credit.
Consumer complaint received 2021-04-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (TN)

Keep getting repeated phone calls from ERC out of XXXX, TN, phone # XXXX XXXX XXXX XXXX XXXX. 

I have blocked there number but they keep calling on different numbers. I have told them to remove my number but they say the do and start calling back the next day. I get at least 3 phone calls a day from this company. I have submitted my number to the do-not-call registry and they still call NON STOP at all hours of the day. 

They hang up the phone while I am mid sentence asking for more information about their company.
Consumer complaint received 2023-05-30
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Overcharged for a purchase or transfer you did make with the card
Company: Block, Inc. (MI)

XX/XX/2023 I was re-debited for purchases I made at XXXX and XXXX XXXX XXXX XXXX  that went through at the time I used my card. Those purchases were made between XXXX and XXXX. I contacted cashapp immediately and was told by someone in support a technical error occurred between XX/XX/2023 and XX/XX/2023. They said merchants during that time that I used cashapp card with successfully received payment but funds were not deducted from my account. As a result, my account balance was temporarily higher than it should have been because my payment to the merchant did not decrease my account balance. 

There was no warning, no email sent out, no notification sent or posted in my account. They just started quickly and randomly deducting money out of my account in a very suspicious manner. Suspicious because they could not provide a total amount that was owed, no proof, their deductions do not even show up online or in any of my statements. 
They have so far made 4 deductions very quickly and not left any trail that they did so. The only trail was a brief notification on my phone and once that is opened it's gone. I have spoken with them repeatedly and have gotten no were. They finally sent me a statement that's different than the official statement that they send to my account to back up their claim. They won't let me speak to a supervisor and they won't tell me in total whats owed or how many deductions to expect.
Consumer complaint received 2022-01-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC. (GA)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Consumer complaint received 2023-03-26
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. (MI)

In accordance with the fair credit reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX Dept of edXXXX  Accounts # XXXX, account # XXXX, account # XXXX, account # XXXX, account # XXXX, account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXX, has violated my rights. 
15 U.S.C 1681 Section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-04-17
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Self Financial Inc. (TX)

I viewed the company Self online but I never completed the application because I changed my mind about getting a loan. A few weeks later this company was placed on all my credit reports. I never completed the application and I never signed anything to give authorization for a contract. I reached out to Self and they told me the understood and would be removing themselves from my credit. Today, Self remains on my credit and I need this taken care of immediately.
Consumer complaint received 2019-07-29
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. (PA)

XXXX XXXX failed to removed hard inquiry from all three credit reports. Continue to follow up with XXXX XXXX and Transunion. Credit Inquiries remain.
Consumer complaint received 2019-07-29
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TD BANK US HOLDING COMPANY (MT)

I have never been over 30 days late on my car loan with TD AUTOFINANCE. TD AUTOFINANCE STARTED CALLING MY JOB ON A DAILY BASIS DURING XX/XX/2019. I told them to stop calling me at work but they continued and eventually stopped calling me at work and know the call me on my cell by making their phone number pretending it's a phone call from someone in my area code. Days of the calls are the following ; XX/XX/2019 3 times XX/XX/2019 4 times XX/XX/2019 3 times XX/XX/2019 5 times XX/XX/2019 1 time ETC .... 
ETC .... 

I MAILED TD AUTOFINANCE A LETTER TO CEASE AND DESIST IN XX/XX/2019 & TOLD A REPRESENTATIVE ON THE PHONE THE FIRST TIME I SAW THE MASKED NUMBER THINKING IT WAS A CALL FROM A FAMILY MEMBER OR FRIEND. TD AUTOFINANCE HAS NOT GRANTED MY REQUEST.
Consumer complaint received 2019-07-29
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 (AL)

Capital One Platinum Card My payment is due on the XX/XX/XXXX of each month, I paid on the XX/XX/XXXX on Capital One website, they issued a late payment fee on the very same day, this company is fraudulently churning millions of customers accounts with deceptive terms of service and advertising. XX/XX/XXXXThey are posting payments made on their website on the XX/XX/XXXX as the XX/XX/XXXX after a certain time of day, when it is still the XX/XX/XXXX, this is part of their great fee ch
urning in the same fashion as XXXX XXXX was convicted for.

An example of the major fraud they are running is something their computer software did to me about a year ago, they actually charged my account a late fee on the XX/XX/XXXX, 1 day before the payment was even due. 

Since their software has charged my account a late fee 1 day before the payment was even due, this tells me that Capital One is fee churning customers for late fees as a cash flow profit center. 

So Capital One is using computer programs to fee churn, they need to be investigated for fraudulent fee churning as they are ripping off millions of accounts with flawed computer software that is assessing fraudulent charges to millions of accounts every year.