davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (OH)

Best Buy Credit Card Services debited my checking account an unauthorized amount of {$1000.00} on XX/XX/18. I called them on XX/XX/18 at XXXX to find out why. They advised me it was a promotional offer that had expired and that interest was added on to my account because I didn't pay off the promo rate. I believe this offer was misrepresented. I advised them that I only authorized them to take out a {$100.00} automatic payment from my checking account each month and I never authorized them to debit my checking account {$1000.00}. They advised me the payment was properly taken out of my checking account based on the minimum payment I owed. I was transferred to a supervisor. She advised me again the amount was properly deducted & that she would expedite a request to send back {$900.00} plus to my checking account in 3 to 4 business days. She also inquired if my address was correct. I advised it was not and I provided the updated address. She then stated that she would remove the interest and allow me til the end of the month to pay off the promo. She also advised she would remove the automatic payment. I called back on XX/XX/18 at XXXX. I was transferred to the Dispute department. I was advised : 1. ) the returned deposit to my checking account was not expedited & still scheduled to take 7 to 10 business days 2. ) my address was never changed like I was advised 3. ) most importantly, my automatic payment was not  cancelled on XX/XX/18 like I was advised ( which would have automatically been taken out again had I not called back ). The specialist on XX/XX/18 advised she would expedite the request to have the funds returned in 3 to 4 business days, she removed the autopay & updated my address. I called back on XX/XX/18 at XXXX to follow up. I was advised that the funds should be deposited in 7-10 business days from the original request date which would be XX/XX/18. I explained that I was advised on two ( 2 ) occasions that it would be expedited. The specialist I spoke to advised me there is no expedited timeframe & it takes 7-10 business days and the request is processed in the order they came in. I requested to speak to a supervisor. She advised me she is a supervisor. I then requested a copy of my automatic withdraw form to confirm that I only authorized a {$100.00} payment out of my checking account each month. The supervisor advised me there is no form because I either requested it online or via the telephone.
Consumer complaint received 2018-10-24
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. (NJ)

EQUIFAX Placed an Unauthorized Hard Inquiry on my credit report without my consent from " Factual Data Inquiry from XX/XX/2018 ''. 
I personally called the Equifax consumer support to remove this Hard inquiry as i personally have not authorized anyone to pull the hard inquiry. 
They irresponsibly reply that they can pull hard inquiry when ever they want and that the consumer can not do anything about it. I did specify that what they did is not authorized per the financial laws, and the customer support representing equifax did not see to care and I did ask them where do i file complaint against EQuifax and they casually replied do a XXXX search. They did not give me this website ( XXXX ) information. 

Please help to work with Equifax to remove the hard inquiry on my report as Equifax doesnt seem to care and playing hard to work with consumer.
Consumer complaint received 2022-03-12
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: Experian Information Solutions Inc. (FL)

I was taken advantage of due to malpractice while several laws are being broken under the FCRA by your company. This has caused me financial injury, this has caused me defamation of character, i can't apply for credit, i can't rent a home or purchase one.
Consumer complaint received 2019-08-30
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BMW Financial Services NA, LLC (IN)

My personal information and identity was used without my permission to purchase a BMW vehicle in XXXX. I filed a police report and also contacted BMW directly. I have attached the Police Report and letter from BMW stating they would investigate. And as of today nothing has been done to rectify the amount owed on my credit report. I have perfect credit and no lates ever on my credit report. However, this faticious and fraudulent account on my report that I have reported is hurting my credit. I have reached out to the XXXX, XXXX   and XXXX on XX/XX/XXXX and XXXX and again nothing has been done.
Consumer complaint received 2018-10-24
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 (MO)

XXXX XXXX XXXX aquired Cabelas, including the Cabelas Club Visa account holders. This involved a handoff of accounts which they fumbled badly. 

I received my Cabelas Club Visa statement and mailed payment in a timely manner to the address on the payment slip ( XXXX, NE ). The payment was due XX/XX/XXXX and I mailed it XX/XX/XXXX. Generally payments mailed from my address in XXXX XXXX Missouri are credited in 3 to 5  days, but to this date ( XX/XX/XXXX ) the payment has not been credited and the check has not been cashed. 

I have called repeatedly and begged them to cash my payment and credit my account. Each time I get a different story about why they haven't done so and what they will do. 

This whole fiasco begs for a class action lawsuit against the banks that were supposed to handle the transfer. I know I'm not the only person who had a Cabelas Club Visa that was being transferred over to Capital One for the XXXX XXXX takeover.
Consumer complaint received 2022-03-12
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: Experian Information Solutions Inc. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these inquiry deleted or updated. These are the items I demanding to be deleted immediately : 1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2020 Please remove it from my credit report. 
2. The inquiry was not authorized XXXX  XXXX XXXX Date of inquiry : XX/XX/2020 Please remove it from my credit report. 
3. The inquiry was not authorized XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/2020 Please remove it from my credit report. 
4. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2020 Please remove it from my credit report. 
5. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2020 Please remove it from my credit report. 
6. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2020 Please remove it from my credit report.

7. The inquiry was not authorized XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/2020 Please remove it from my credit report.
Consumer complaint received 2018-10-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2017-30 DAYS LATE I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2022-03-12
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. (CA)

This item is identified as bankruptcy. The bankruptcy was dismissed. You need to remove this Bankruptcy from my record to make sure that I don't need to comply with my personal legal rights according to 15 USC Section 1681n or 1681o, which needs your conformity utilizing the law. US XXXX XXXX XXXX XXXX XXXX Reference number : XXXX
Consumer complaint received 2018-10-24
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: Experian Information Solutions Inc. (NV)

PLEASE SEE ATTACHED FROM XXXX THEY HAVE REMOVED THIS ACCOUNT AND EXPERIAN SHOULD DO THE SAME. EXPERIAN VERIFY THEIR BANKRUPTCY THRU XXXX AND XXXX HAS REMOVED HERE IS THE LETTER
Consumer complaint received 2018-10-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

The account with XXXX XXXX has been declared not mine and documents have been sent to XXXX and XXXX and XXXX .XXXX has refuse to remove the collection from my credit report I have sent paper work proving my statement Debt agencies Portfolio Recovery account number XXXX amount of {$1000.00}
Consumer complaint received 2018-10-24
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX This problem that I am presenting in this office comes from the year XXXX and in XXXX bring to the court to the company XXXX XXXX by reporters a payment of bad faith that was not made and that indeed if it was done. This case I do not know how long it can last in court but I ask that XXXX XXXX and my wife XXXX XXXX fix that account of the credit companies XXXX, XXXX and Equifax. Any question can call XXXX XXXX XXXX at any time. This research was conducted more than a year ago. Case Number XXXX Phone Fax XXXX XXXX
Consumer complaint received 2022-03-12
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (FL)

I went through a pre-approval for a loan with wells fargo for a home that is being built and i was advised by the builder they were a preferred lender which is only reason i used them to begin with. The representative went through our pre-approval and everything was perfectly fine and as we moved through the process we got to a point where she was telling us about a rate lock which we advised her we were not interested in doing because the rates she provided seemed higher than the current rates being offered by the bank at the time. She seemed upset about the fact that we were not interested in the rate lock and a few days later contacted us to let us know that our loan was denied and she couldn't do anything to help us and she would advise our builder accordingly. My husband who has experience with mortgages advised me that this was not standard procedures as she did not provide any explanation for the denial or even come back with any conditions of approval from the underwriters which is normal procedure especially for loan that isn't due to close for at least another 4 months when the build is complete. My husband spoke to her and after asking several times the only information she gave was that my debt to income ratio was too high which made no sense since nothing changed in finances or credit score since pre-approval. The whole situation didn't sit right with us so my husband contacted her supervisor who was able to find some surface information to advise that our loan processor advised the underwriter that i was on XXXX  leave from my job the year before and my income went down. I was on XXXX  leave however with my job that did not affect my income as i was still paid 100 % of my normal income. They did not even ask for any additional information or offer us the option to put any additional money down or even add a coborrower to the loan. Instead she assumed that we had no such options and went as far as to tell us we were buying more house than we needed to buy. She discriminated and used my XXXX  to try to get my loan disqualified because i was not willing to pay for a rate lock on a loan she added points to. No options were provided and no attempt made to assist us to get approval even when based on her pre-approval we previously almost {$60000.00} in deposits which we stand to lose without being qualified. Which wells fargos record of discrimitary loans some light needs to shed on this and process put in place to prevent this from happening to any other minority family. The same process of assessing conditions and fixing them and process without prejudice should be offered to every applicant and not offered at the discretion of any individual of that lender
Consumer complaint received 2018-10-24
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 (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : I recently started the relationship with you guys and kept a stellar payment and I ' shocked that you guys marked it late. 

XX/XX/2018. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2018-10-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

I opened a XXXX XXXX HSBC account online on XX/XX/2018 and placed $ XXXX in it. Recently, I received a strange email from HSBC saying I needed to contact them, it was at that time I noticed my account was locked and I have no access whatsoever to the account. Several days of calling, emailing, live chatting and I've gotten nowhere. If someone is reached they say they can't help me and I go back into a phone queue waiting for someone from the fraud department. I've now put in 5 hours on the phone ( more than 95 % of that time was / is on hold ) and I have no indication of getting closer to resolving the issue. 

My guess is that HSBC is going to use whatever trick they can to not honor their {$200.00} new account bonus promotion that was due to pay out on or around XX/XX/2018, so they went with this fraud excuse less than 10 days before the promotion payout. I guess HSBC is going to make me earn this promotion by sheer waste of my time.
Consumer complaint received 2017-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have called XXXX and Transunion and have sent a multiple inquiry letter to both of them to remove all fraudulent inquiry 's off my report and I got the general card response that inquiries are factual and will stay on my report for two years. I have had a fraud alert placed on my credit file to ensure no credit is issued without contacting me. I explained to the Representative XXXX in the fraud department with XXXX and XXXX with the fraud department of Transunion that I had no knowledge of these inquiries as they are not tied to an account and I did not authorize those inquiries but I was told they are factual & they will not dispute them. XXXX with Transunion was VERY rude as I asked her to transfer me to a US special handling Representative she lied and said she could not transfer me and said she would hang up in my face if there was nothing else I needed. I believe Transunion and XXXX practices unfair procedures and I know for a fact that they do n't investigate anything wheather it 's inquiries or a account that 's reporting incorrectly.
Consumer complaint received 2018-10-24
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TOYOTA MOTOR CREDIT CORPORATION (VA)

Toyota Financial has threatened me with collections despite my disputing their billing at the end of a lease. The car was turned in, the account was closed, and I was told I had fulfilled all contractual obligations. Then they sent me US Mail with additional bills and began calling my cell phone. I am XXXX and do not use voice telephones. A caretaker answered several times to tell them to send me email or a fax and they refused. She told them to stop calling and they refused. She asked for accessible contact information for them, and they refused. She requested they send their recording of the phone call to their general counsel for redress, and they refused. Additionally, I contacted them on XXXX chat and on XXXX and they refused to provide any documentation for their billing whatsoever, and also refused to give me accessible contact information. I was able to log into my old account and send an email once again disputing the amount and once again asking for accessible contact information. I received no response, and my ability to email them or read email on the portal was disabled. 

Toyota Financial is in violation of Title II of the ADA, the FCRP, Section 508 of the Rehabilitation Act,  and my civil rights. They refuse to provide any access to legally required dispute processes, or even contact information. I can interact with them via fax, email, online chat, secure email via login portal, etc., but still they refuse to provide any contact information whatsoever. Their threat to turn me over to collections and cause me financial damages with no ability for me to even use my legally mandated remedies is ridiculous.
Consumer complaint received 2022-03-12
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)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these inquiry deleted or updated. These are the items I demanding to be deleted immediately : 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2020 Please remove it from my credit report.
Consumer complaint received 2018-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I noticed last year after Hurricane Harvey that my credit had decreased by 10-15 points. Some of my accounts on my report showed " Affected by natural or declared disaster '' in the account comment. Being in an affected area did not impact my ability to pay any debts, so this should not be taken into account in my credit.
Consumer complaint received 2018-10-24
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: Experian Information Solutions Inc. (MS)

The following informaiton belongs to someone else and should not be listed on my credit report. I am the victim of identity theft and I have reported this numerous times to the credit reporting agencies : XXXX/XXXX - fraud, XXXX - fraud, XXXX XXXX XXXX XXXX - fraud, XXXX  XXXX XXXX XXXX - fraud, XXXX XXXX   XXXX/XXXX  - fraud, XXXX XXXX XXXX - fraud, XXXX - fraud, XXXX - fraud.
Consumer complaint received 2018-10-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (IN)

On XX/XX/2005 l paid off my mortgage in full. Ocwen Mortgage began calling me saying they were to collect a dept on my mortgage. Ocwen said the copy of my mortgage stamped and signed and dated by the STAMPED BY THE STATE OF INDIANA was not real. The harrassment and threats stated from Ocwen to take my property. I filed bankruptcy, went to Indiana Housing,  refinanced, and recently Modification. On my Modification, Ocwen says l have to pay {$13000.00} to own my home at the end of this agreement.
Consumer complaint received 2022-03-12
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. (PA)

Hi, my name is XXXX XXXX XXXX. I am Reaching out today to have the following negative items removed from my credit report. The items I need removed are listed in the report attached. I have notified the companies that I did not make the charge. I ask that these items are deleted from my report in order to correct my credit file. These fraudulent changes are showing negative results on my credit report. I reported the theft of my identity to the identity theft affidavit. Please remove these items as soon as possible.
Consumer complaint received 2017-06-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCB Credit Serivces, Inc (CA)

I received a letter from CCB Credit services trying to collect {$130.00} from a creditor XXXX XXXX XXXX I do n't know the company File # XXXX Account # XXXX
Consumer complaint received 2017-06-21
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. (TX)

I would like the following inquiries removed from my credit report. I do not have knowledge of allowing them to check my credit. XXXX Creditor Name/date of inquiry XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX Creditor Name/Inquiry Date XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian Creditor/date of inquiry XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-10-24
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. (VA)

" " '' I have disputed this charge off XXXX XXXX XXXX XXXX XXXX for months.XXXX and XXXX have Deleted them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''