davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-29
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 (NY)

Fair Credit Billing Act is a 1974 federal law designed to protect consumers from unfair credit billing practices. 
After countless hours on the phone with XXXX and XXXX and countless hours on the phone with my capitalone360 it was decided not in my favor for my chargeback I purchased an item that was not gold and was requested by the credit card company 360 to get them tested to prove that these bracelets were not gold they were supposed to be XXXX XXXX XXXX gold bracelets I received steel bracelets now because I was told of a clause that XXXX had the seller or the merchant had time to respond and evidence that he resented and because he sent in his information I was canceled out because he was compliant but there was no way that he could have proved that these bracelets were real because I do own them now I had to show them pictures of me wearing the bracelets I sent them the paperwork and documentation of when I got it tested to prove that they were still and nothing was ever done on my behalf it's almost like they treated the merchant like if they were the actual Master card holder after careful instruction from XXXX I if I discovered that the merchant that I brought the merchandise from was violated and is no longer able to sell or buy goods from XXXX even knowing this Capital 360 did nothing for me so I'm asking you guys to step in now this was a chargeback that came back twice they were able to legally open it back twice on me after settling this is totally unfair and after countless hours on the phone and with them asking me to provide them with paperwork they gave me no chance it's almost like they called me a liar from the beginning because I had to go get these bracelets tested the XXXX 's page was closed by XXXX due to violations of terms and conditions even after showing them that proof it was not enough I need somebody to carefully go into this account and see to it that the right thing is done here I am 9/10 and possession of steel bracelets not 18 carat bracelets they are fake XXXX you are not allowed to do that on XXXX so I don't know how much I can express that to them even after XXXX was trying to communicate XXXX they still didn't want to do anything it's like they were more on the merchants side than the actual card holder which is me XXXX XXXX XXXX these are the dates that the transactions took place I will try to provide as much information as I can thank you
Consumer complaint received 2022-03-08
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. (NC)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-03-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (PA)

I disputed a transaction On XX/XX/XXXX for XXXX XXXX XXXX XXXX XXXX that that was performed on XX/XX/XXXX! After disputing the charges the merchant signed a contract with me that he's agreeing to the charge back / dispute and gave me a copy of the contact and had a copy showing the funds already taken out of his account and also issued me a check for services performed by another 's mechanic/ services for reimbursement of both his work amd the other mechanics work! All of this information has been sent to the bank however they are failing to close the dispute with correct compensation!
Consumer complaint received 2020-12-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ACIMA CREDIT, LLC (NY)

I ordered a couch back in XXXX and I was paying it off they told me before how much was left now its as if in XXXX they are still trying to over charge me and Im not understanding
Consumer complaint received 2018-08-03
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

on XX/XX/2018 I called to settle my account for less than the full balance, I wanted my credit report to that I settled for less but no balance was owed as a result. 

I was given a settlement offer of {$73.00}. I paid it, waited ten days. I updated my credit report and my credit report indicates that i still owe {$40.00}. there are no remarks of a settlement being made, on my credit report. it still shows that the account is active. 

in the mail i got a payment letter, that simply indicates they collected {$73.00} with no verbiage of any kind indicating a settlement had been reached. 

I was clearly mislead, into thinking I was getting a " settlement for less than the full balance '' and that i would owe XXXX  as a result of such settlement.
Consumer complaint received 2018-08-04
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: Experian Information Solutions Inc. (FL)

Experian still has Identity theft accounts on my credit report. Still after 3 times of disputing they still not doing things right. My name is still not fixed. its XXXX XXXX XXXX XXXX Also they still have XXXX XXXX , XXXX XXXX XXXX XXXX , XXXX XXXX XXXX , 2 accounts from XXXX XXXX XXXXXXXX. These need to come off. I did receive a letter stating that XXXXXXXX XXXX was deleted off my credit report but its still on here. XXXX line of credit, XXXX, XXXX card not listed. XXXX and XXXX XXXX took off what was not mine and not its right but they still don have my XXXX   XXXX line or credit XXXX 's or XXXX card but its in the works of contacting to see if they can add them.
Consumer complaint received 2018-08-03
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc. (CA)

In XX/XX/2018 I had my XXXX XXXX inspected prior to turning in the car at the end of the lease term. I was advised that except for the tires, the car was in very good condition. The inspector advised me to replace the tires with good used tires. I did this, and returned the car to the dealer. Two weeks later, I received a bill from XXXX with all the end of lease fees, as well as a {$400.00} charge for worn tires. I called XXXX and informed them that the tires had been replaced. They responded that they would take {$200.00} off the tire charge. Rather than argue, I agreed. They said they would issue a new bill and I told them I would pay when I received the bill. 

On or around XX/XX/2018 XXXX called again to ask for final payment. I informed them that I was waiting for the final adjusted bill that they had promised. I was being sent in the coming days. I told them I would pay the be promptly when I received it. 

On or around XX/XX/2018 XXXX again called asking for payment. I informed them again that I was waiting for the final bill, and that I would pay when this arrived. They said they would check on the bill. 

Today, XX/XX/2018, XXXX called again asking for the final payment. I told them that no bill had been received, can they please email this to me. They said this was not possible, but I could pay online. I hung up in frustration, went online, opened an online account ( to view my lease account ) and found that the final bill was not available on their website. I opened a chat session, which lasted approximately 45 minutes, during which time I was told to " hold on a minute '' several times. I was told that the account had been assigned to " Deficient Accounts '' and that they could not post any information to my online account. They informed me they would send the bill again, but they were only able to fax me a copy ( they could not email it to me, they could not post it to my online account - though I can see all of my other bills ). I asked them to XXXX me the bill so that I can be sure that it arrives. ( I do not want them reporting this as delinquent against my credit report ). I also told them that faxing was not possible ( I have not owned or worked in an office with a fax machine for 20 years ). XXXX responded by saying - despite the fact no final adjusted bill had ever been received - that they could only mail or fax it to me. They also told me that I could send them a check for the pending amount ( despite the fact that I could not see the detail associated with the final fees ).
Consumer complaint received 2023-01-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (MI)

I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC
Consumer complaint received 2018-08-03
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Public record information inaccurate
Company: Ditech Financial LLC (NY)

it's about Ditech mortgage Co, mortgage loan # XXXX. 
In 2013 I applied for personal bankruptcy and was granted a complete debt discharge in Federal court under Chapter XXXX, all my debt was discharged including the stated above mortgage, all documentation was sent by my attorney to ALL my creditors, including Ditech. Ditech refuses to honor the Court orders and refuses to remove my name off the mortgage documents. They are trying to force my husband and I to refinance the whole mortgage just in order to get my name removed and leave just my husband 's name alone of the mortgage. I DON'T HAVE THOUSANDS of $ $ $ to gift to Ditech for just removing my name off the acc. Please explain to me why Ditech is allowed to ignore the Court order.I no longer have any association with this mortgage and I want MY name completely removed off that mortgage, this house belongs to my husband and the mortgage debt should be only under my husband 's name. thank you! XXXX XXXX.
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, and XXXX XXXX XXXX account # XXXX has clearly violated my rights! 
15 USC 1692b Acquisition of location.

Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) not state that such consumer owes any debt ; 15 USC 1692c ( a ) Communication in connection with debt collection Without prior consent given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer with the collection of any debt- 15 USC 1692d - Harassment or abuse ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. ( causing XXXX XXXX with the constant call and threats of litigation ) 15 USC 1681 Section 604a Section 2 ; It also states a consumer reporting agency can not furnish a account without my written instructions ( EXPERIAN, XXXX, and XXXX was not given instructions from me, the consumer, to furnish my account ) 15 USC 1681 section 604 a. States i have the right to privacy. ( Something that has clearly been violated ) Your company is in clear violation of the law. Under 15 USC 1681b- permissible purpose of the consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?
Consumer complaint received 2020-11-05
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: ResidentCollect, Inc. (GA)

Innovative recovery Inc. Has been reporting to the credit bureau everyday and I have lost over 60 points on my credit. I have a XXXX XXXX card, with XXXX XXXX to alert me when my credit score changes. I called the company to inform them of this and they literally brushed me off. They sent my invoice to an incorrect address, which I did update, but refused to acknowledge the daily reporting to credit bureau. I also tried to set up a payment arrangement, they told me they would continue until the debt was paid
Consumer complaint received 2022-03-08
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)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : TBOM/FORTIVA XXXX
Consumer complaint received 2022-03-08
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. (MD)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Experian has NOT complied with the XXXX XXXX XXXX law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX
Consumer complaint received 2018-08-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC. (LA)

This was an XXXX DOLLAR CHARGE FROM 2013!! I PAID IT OFF MORE THAN 40 DAYS AGO. IT IS STILL SHOWING UP ON MY CREDIT REPORT ON EQUIFAX. THE PEOPLE AT XXXX XXXX XXXX ARE SO STINKING RUDE!!!!
Consumer complaint received 2021-07-21
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: AMERICAN HONDA FINANCE CORP (CA)

XXXX disputed a account through via XXXX and XXXX however I never reviewed or received any documentation from the agency with my signature. Nor did I give any permission to the credit bureau to talk to to anyone about this! So whom did they speak with during the investigation??? I am DEMANDING THAT THE ACCOUNT IS DELETED FROM MY REPORT. This is a violation of my SCRA rights. In addition to 15 US 1692d1, 15 US 1692g
Consumer complaint received 2019-03-29
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: I.Q. DATA INTERNATIONAL, INC. (LA)

My credit report is not reporting correctly. I have made several attempts to remove negative items that I believe occurred due to identity theft. These items has lowered my credit score and has made it difficult for me to get approved for housing. I followed the processes of a trusted advisor to aide in fixing this issue, so far some items have been removed but a few still remain on XXXX. I am hoping that with your assistance, I can finally remove these items to reflect only the items that belong to me on my report.
Consumer complaint received 2016-06-27
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: CITIBANK, N.A. (DE)

Over the past two months, I have been charged a Credit Life Insurance ( XXXX ) fee on my Macy 's American Express credit card. I did not authorize or enroll in this product. It appears Department Stores National Bank ( card issuer ) may be enrolling cardholders without their knowledge or consent. On XXXX XXXX, I contacted XXXX @ ( XXXX ) XXXX to request a copy of the sign enrollment form and to cancel this policy.
Consumer complaint received 2022-03-08
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)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX
Consumer complaint received 2019-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

Set up autopay with this vendor- there was a miscommunication as to the start date of automatic payments. Creditor agreed that the fault was mutual, but still reports late payment history to credit bureaus. 
Requested the removal of late payments reported, as they are related to this autopay mixup.
Consumer complaint received 2017-01-13
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A. (NY)

XXXX took over management of XXXX XXXX credit cards. They instituted auto enrollment in credit protection and monthly minimum interest fees. Written notice of these changes was never received. Additionally, my account was suspended due to an overdue balance on the credit protection charge but they continued to charge monthly minimum interest fees on the account. 

Also, XXXX 's customer service for the account has no means of getting to a live person to cancel the account or any web based options to cancel.
Consumer complaint received 2016-09-09
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (CA)

I have a closed credit card account with CitiBank. I paid the remainder of the balance of {$790.00} on XXXX/XXXX/2016. I believed that the balance owed was cleared. Then I got a bill in the mail for {$8.00} for interest charged on XXXX/XXXX/16. I called to complain and the customer service rep that I owed interest on the balance because interest was still accruing until the day that I paid. I asked where on the bill does it say that I need to pay by " this date '' in order for the interest to stop accruing? I could n't get an answer. Credit card companies should make it clear you need to pay by a different date and not the payment due date. I asked to have the interest waived - they said " no ''. On the bill it says : " As a reminder, we charge interest on the account balance until we receive payment in full. ''
Consumer complaint received 2022-03-08
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. (OK)

On XXXX sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-07-31
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. (FL)

Equifax and XXXX should not be reporting a collection/chargeoff in the amount of {$8500.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and SSN Card for identification purposes so the bureaus will investigate my complaint. ) I have attached proof of payment on this account. The lates that are reporting are also incorrect. This account needs to report a {$0.00} balance and no lates. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of a collection/chargeoff with lates is seriously harming my credit score and this line item needs to updated and/or removed. I have contacted the bureaus to fix this however, I have not been successful.
Consumer complaint received 2019-03-29
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. (FL)

EXPERIAN HAS INQUIRES ON MY CREDIT REPORT THAT ARE NOT MINE. NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose.