davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.
Consumer complaint received 2019-04-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

To Whom It May Concern, My name is XXXX XXXX and I am again writing with concerns about inaccurate accounts appearing on my credit report as accurate. For the past few months & years, I have continually written to your bureau about these and asked that they be removed asap. 

I am now going to file an Attorney General complaint against your company as more of these accounts becomes apparent. Your company has taken part in ruining my credit history and it is about time that it stops today! I demand that you immediately remove the accounts in question and ensure that they never appear again! 

These are the accounts. : XXXX Account # XXXXXXXXXXXXXX - {$4600.00} XXXX Account # XXXXXXXXXXXXXX - {$2900.00} XXXX  XXXX XXXX Account # XXXXXXX - {$1600.00} XXXX XXXX XXXX Account # XXXXXXXX - {$9300.00}
Consumer complaint received 2019-04-24
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

XX/XX/2018 i contacted THIS THIRD PARTY COMPANY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX THE ORIGINAL CREDITOR IS Original Creditor Name XXXX XXXX XXXX ADVISED THEM ONCE ITS SOLD ITS WRITING OFF THEY ARE TRYING TO COLLECT ON A OLD CLOSED ACCOUNT ONCE IT WAS SOLD THIS IS A NEW CONTRACT THAT I NEVER SAW NOR CONSENTED TOO BUT HAS BEEN DONE ILLEGALLY ars in reference to two accounts being reported as bad debt..i first asked them to furnish me with the original application showing my signature..Rep said she didn't have to SHOW that i told her according to fdcpa A debt has to be proven BY SIGNED CONTRACT BEING PRODUCED she said their is no such thing ... 2nd i asked when did i come to agreement with XXXX  to have access to my XXXX records AND ALSO I TOLD HER THIS COMPANY HAS VIOLATED MY HIPPA RIGHTS GAINED ILLEGAL ACCESS TO MY PERSONAL MEDICAL RECORDS I ADVISED THEY NEED TO REMOVE THESE 2 ACCOUNTS FROM ALL THREE OF MY CREDIT BUREUAS SHE STATED IT WILL STAY ON MY CREDIT AND DAMAGE IT..i advised her i need proof of such occurrence..she placed me on hold..a supervisor got on the line stating if debt was not paid they could garnish my wages even sue me i asked for this in writing they disconnected the call.. I called back another representative came on the line and immediately said we refuse to talk to you and disconnected
Consumer complaint received 2018-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (FL)

I purchased the car in XXXX at a purchase price of less than $ 10K. Santander repossessed the car in XXXX and reported to the credit bureaus that I owe a balance of more than $ 10K. The car was auctioned off in XXXX. There is no way that I owe over $ 10K on a car that I had for 5 years and the purchase price was under $ 10K. Santander needs to provide the signed loan documentation with the purchase and interest agreement. The balance reported to the credit bureaus is inflated. The documentation provided to the Consumer Financial Protection Bureau is a computer print out and does not prove the amount owed coincides with the loan documents I signed. Santander also sent email payment confirmations to my email address that was a link to their site but I am unable to access payment receipts because my access to the account was removed.
Consumer complaint received 2023-10-18
Product: Credit 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 (TX)

I was alerted to potential fraud on my account from Capitol One. 
I called Capitol One to resolve the issue after logging into my account online and seeing two transactions made without my knowledge. I was also charged cash withdrawal fees without my knowledge, all of these transactions are fraud. 
I talked with a Capitol One representative and she helped me through the reported fraud process. She located a third potential fraud activity on my card that did not show up on my online statement : an attempted purchase of {$500.00} at XXXX. She did not tell me the location of the XXXX. 
She also informed me that someone had requested a new card via the Capitol One mobile app. I do not have the Capital One mobile app. 
Someone also withdrew money from XXXX XXXX XXXX using my credit card - I do not have a XXXX XXXX XXXX account so I do not know how that is possible. 
After discussing these issues she said that the fraud department would look into my claims. I asked if I would be responsible for the charges in the meantime, as I am set up with autopay. She put me on hold for a long period of time and never answered my question adequately. 
Now I receive a letter seven days after my fraud claim and a discussion with the representative that my claim- the claim that Capital One alerted me to and locked my card over - DENIED. They stated, " Information we discovered leads us to believe you or another account user benefitted from the transactions. '' No evidence was provided. 
There is not another account user on my card- this leads me to believe my card is STILL being used fraudulently and Captiol One is not helping my case. I have manually locked my card so stop any further misuse, no help from I will continue to dispute the case until it is honestly and truthfully resolved.
Consumer complaint received 2019-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I recently went to a credit counseling class for home buying. I ran my credit report and i see unauthorized items that i do not recognize on my report I did not authorize these items on my credit report and i wantthem removed. I'm doing this on my own and did contact the ftc and the local police. Bankruptcy : Discharged XXXX, Bankruptcy chapter? -discharged, Chapter XXXX bankruptcy discharged, 12 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX  XXXX XXXX  XXXX, XXXX, XXXX XXXX XXXX.
Consumer complaint received 2023-03-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: PNC Bank N.A. (KY)

There were several fraudulent transactions made on my card. I did not notice these transactions because this is not my primary card I never use it because I use my actual bank account, also I did not have transaction alerts set up on this account. Once I noticed, I reached out to the bank to file the dispute and the bank denied it. I have since filed a police report so that I can have this investigated thoroughly. Here is a list of all the transactions that were not authorized by myself. When I initially filed the dispute they failed to include all the fraudulent transactions, so I had to file another dispute for those remaining transactions as well as re-dispute the original dispute due to it being denied. I am willing to provide my police report if needed as well as a copy of the denial letter from PNC bank once I receive it. 

Transactions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-04-24
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

In XX/XX/2019, I discovered that I was a victim of identity theft. I logged into my Capital One account and realized that all my information had been changed to someone else 's. My cards were turned off without giving me notice and they promised they would send new cards. The new cards were then sent to the fraudulent address. After spending hours on the phone with Capital One, I was able to have them send me new cards to my correct home address. This took over a month to get new cards after their errors. I reported the fraud to them and they promised to remove it from my credit reports however they have not. I also attempted to file a police report, however no one called me back to take my information. I have also had a XXXX card opened fraudulently in my name. I have placed a credit freeze on all my credit reports, however my score has dropped 22 points and I feel it is completely out of my control.
Consumer complaint received 2023-06-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (IN)

Payment in full was sent to Barclays in a negotiable instrument. I have emailed then spoke to customer service and recently with their management team. They have refused to take the payment which is legal and lawful tender. They have now said my account can only be paid with check or money order. Which no where in the account guidelines did it state that negotiable Instruments were not allowed. They have Chosen to Dishonor by Non-Performance. Barclays has dis-enfranchised me, causing me loss due to their negligence.
Consumer complaint received 2018-09-17
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

MY NAME IS XXXX XXXX XXXX I WAS VITICM OF IDENTIY THEIF SOMEONE STOLE MYWALLET IM XXXX YEARS OLD I DIDNT REALIZE IT UNTIL PULL MY CREDIT. I IMMEDIATELY WENT TO MY LOCAL POLICE DEPT. DET XXXX XXXX WAS ASSIGN TO CASE IT WAS APPROVE. THE ACCOUNTS ARE XXXX XXXX, HSBC BANK, XXXX XXXX, XXXX, XXXX XXXX XXXX, AND XXXX XXXX
Consumer complaint received 2019-04-24
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: CITIBANK, N.A. (TX)

Approximately two years ago I went to Sears in XXXX XXXX Texas to purchase a new dishwasher. After I selected one, the salesman said, No need for you to write out a check. Ill just open a credit card account for you. Unfortunately, I allowed him to order a Sears Mastercard for me. I was the only signature on the application for the card. I received the card by mail and made the payments as required by the statement. 

My wife left me on Monday, XX/XX/XXXX, without my knowledge, and moved to Oklahoma. I did not realize it then, but the paper statements I had been receiving by mail, stopped. She instructed Sears to begin emailing the statements to her. Sears should have contacted me when she started using the card and, most definitely when she instructed Sears to send her a card in her name. She continued using the card in Oklahoma and making the minimum payments required. In XX/XX/XXXX I received a paper statement from Sears. The amount due was over {$10000.00}. I phoned Sears Mastercard and made a fraud accusation. I feel that it was Sears Mastercards responsibility to call me and tell me that the statements had been changed from paper to email ; or at the very least, let me know that there was increased usage on the account and that she now had a card in her name on this account. I would have immediately canceled the card. Sears Mastercard sent me an updated statement with a balance due of {$2400.00}. They have now sent me another statement in the amount of {$10000.00}, with a letter saying they are finding ME responsible for these charges. 
I have been receiving multiple phone calls a day that are rude and demanding. I dont feel this case has been resolved. In addition, I feel that if the company had conducted themselves in a professional manner and contacting me at any time to inform me of the changes being made on the account, I would have been able to avoid this whole situation. I have always paid my bills in a timely manner and retained a credit score at approximately XXXX. Due to negative information given to the credit bureaus by Sears Mastercard/Citi card, my credit score is now in the mid XXXX. 

By reading the information on the website consumer.ftc.gov, it seems to me that the charges made on my card after XX/XX/XXXX are unauthorized and my responsibility ends at {$50.00}. 

Your help in this matter would be appreciated. 

XXXX XXXX
Consumer complaint received 2019-04-24
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (MD)

Issue : There are Contingency Funds, which were financed in my XXXX Loan. These Funds were supposed to made available to me. My loan was sold to a servicer. I inquired to the Loan Servicer about these Contingency Funds. And what the process was to use the remaining funds. I was told that I had to have my contractor submit an invoice for the work to be completed. I was never given any additional information on dates or restrictions. After the final draw was sent. I inquired again and then was told that I would not receive the Contingency Funds. As my loan was closed and the money was applied to the principal balance. When reviewing the document I signed. It states that there is a HUD form to be completed. Requesting the Contingency Funds. Any remaining Contingency Funds would be applied to the principal balance. I was 'never ' allotted an opportunity to use these funds. Nor was I advised of the required HUD document when I inquired about the process. I was provided inaccurate information.
Consumer complaint received 2023-01-27
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. (OH)

Hard credit Inquiry showing on my credit report from a XXXX XXXX XXXX on XX/XX/2023. This was not me. ( showing on TransUnion ) I keep having an issue with someone applying for credit under my name/account. This was not me again. 

I also had XXXX on XX/XX/2023 from a XXXX - XXXX XXXX. This one is supposed to be removed from my credit card company. I called and am disputing this as well. These credit inquiries are not me. 

I also have a fraud alert on my account with TransUnion and XXXX. So I am confused on how I keep getting hard credit pulls.
Consumer complaint received 2019-04-24
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

After sending information to verify myself with my disputes, I sent a follow-up dispute ( XX/XX/2018 ) by means of a Credit Repair Organization, Equifax has failed to respond. They have violated the FCRA in that it has been more than 30-days. Please see items below ACCOUNTS XXXX XXXX XXXX   XXXX never late XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine COLLECTIONS XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX   XXXX XXXX XXXX not mine XXXX XXXX/XXXX XXXX not mine XXXX XXXX   XXXX  XXXX XXXX not mine XXXX/XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX not mine XXXX XXXX XXXX not mine XXXX/XXXX XXXX not mine XXXX  XXXX not mine XXXX XXXX   XXXX XXXX XXXX not mine XXXX XXXX XXXX not mine
Consumer complaint received 2023-01-27
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. (CA)

There is a company on my credit report that I do not know, and I can not get it removed. XXXX XXXX XXXX. I have never had a contract with them, and they are negatively reporting on my account
Consumer complaint received 2023-03-18
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. (FL)

Equifax is supposed to remove all medical debts under {$500.00}. Unfortunately they are refusing to follow thru with this policy. I've contacted them countless times regarding this, and they refuse to make it right. I've had people on the phone with zero skills simply just tell me no or walk away from the phone. I've had difficulty getting escalated to a supervisor. It's been over an hour waiting for a supervisor today. 

I've submitted countless disputes thru equifax.com The debt in question is reported by XXXX XXXX XXXX XXXX. XXXX has failed to provide a proper debt validation after multiple times contacting them. Their debt validation doesn't comply with XXXX XXXX The company has since began to refuse to speak with me regarding my debt. 

That's XXXX big reasons why Equifax needs to remove this account from my credit report. I'm preparing to file a lawsuit in the event this complaint doesn't get me a resolution.
Consumer complaint received 2020-06-06
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. (CA)

XXXX XXXX XXXX XXXX XX/XX/2018 60 DAY LATE THIS ITEM IS NOT VERTIFABLE. THEY ARE UNABLE TO VERIFY THE 60 DAY. THIS IS CLEAR VIOLATION OF 609.
Consumer complaint received 2023-06-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: FIRST FINANCIAL BANCORP (IL)

I received letters on XX/XX/XXXX stating that there was usual activity on my personal and business accounts with FirstFinancial Bank. My personal credit card was approved for {$15000.00}. My business line of credit was {$30000.00} and business credit {$20000.00}. My business accounts were never used and the letter reported that it was unusual activity. I called the fraud department the XX/XX/XXXX and was informed that my accounts were frozen but they couldnt see why. I spoke with the branch manager and she was unable to see why as well. I spoke with a XXXX XXXX First Financial Bank saying that they were working on resolving the matter for the activity and none of the accounts were being closed and they wanted to keep me as a customer. Unbeknownst to be I received notification XX/XX/XXXX via my XXXX and XXXX that my personal credit card was closed and reports as a settlement on my credit. It also stated that the credit card account had been closed since XX/XX/XXXX. I opened this account in XX/XX/2023 Ive made on time payments over the minimum amount. To report to the credit bureaus that I agreed to a settlement is false, because I havent spoke to anyway. When opening my personal line of credit, personal credit card, business line of credit, and business credit I submitted all requested documents. I have never experienced a financial institution closing a credit card account with on time payments and reporting the balance as settled with notifying the customer. We were also informed that the company has frozen/closed over XXXX XXXX American accounts without notifying their customers
Consumer complaint received 2019-04-24
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

While on vacation last month, I was talked into purchasing a membership with XXXX XXXX XXXX XXXX. I was very worked up during that meeting with my mother who has mental health issues, and it was not made clear what was happening during the meeting. I went back the following day to cancel the membership before anything would happen and I was told I couldn't cancel. Not only that when they took my Social security number they opened up 2 credit cards under my name. One with Bank Of America the other with XXXX. These cards they opened without my authorization, they put in a payment agreement. I contacted the banks immediately regarding the matter, and bank of america did not authorize the first payment they were charging of {$2100.00}. The other card with XXXX they put on an 8 month payment plan charging {$260.00} a month beginning in XX/XX/2019 I contacted XXXX. I have no use for the membership but as much as I tried to explain it to XXXX XXXX XXXX XXXX, they would not help me in anyway and became very rude. My current source of income is XXXX XXXX