davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-04
Product: Prepaid card — Gift or merchant card
Issue: Unauthorized transactions/trans. issues — 
Company: Google Compare Credit Cards Inc. (VA)

I PURCHASED XXXX GOGGLE {$25.00} GIFT CARDS AND WHEN I WENT TO USE XXXX-IT HAS ALREADY BEEN USED. STILL HAVE THE GREY SECURE MARKINGS AND CALLED AND NO HELPI PURCHASED XXXX GOOGLE {$25.00} GIFT CARDS FOR MY SONS BIRTHDAY AROUND THE LAST WEEK OF XXXX 2015. I PUT THEM IN A DRAWER AS I HAVE A IPHONE AND HAVE NO NEED FOR THEM. MY SON ASKED IF HE COULD HAVE XXXX CARD AND I SAID YES, WE BOTH SCRATCHED OFF TOGETHER AND IT SAID REDEEMED. I WAS SHOCKED AND CALLED GOOGLE IMMEDIATELY AT XXXX. THE LADY I CALLED ON XXXX XXXX 2015 TOLD ME IT WOULD GET INVESTIGATED AND TO SEND PICS VIA EMAIL TO GOOGLE VIA EMAIL AT XXXXXXXXXXXX .I DID AND SHE SAID SHE WOULD GET BACK TO ME MONDAY OR TUESDAY XXXX THE XXXX AS IT WOULD BE LOOKED AT. I CALLED THEM ON TUESDAY THE XXXX AND THEY SAID THAT IF I DID NOT HAVE THE RECEIPT THERE WAS NOTHING THEY COULD DO. KEEP IN MIND THAT I SPENT {$75.00} AND THE CARDS GREY SECURE MARKINGS WAS STILL IN TACT AND GOOGLE SAID ALL XXXX CARDS WERE REDEEMED. AS U CAN SEE IT IS VERY FRUSTRATING AND I ASKED TO SPEAK TO A SUPERVISOR. THE NEXT PERSON ON THE LINE TO SPEAK TO ME WAS XXXX, HE WAS RUDE AND TOLD ME TO TAKE THE SCRATCHED CARD TO WHERE I PURCHASED AND AND BEG FOR MY MONEY BACK AS GOOGLE WOULD NOT DO ANYTHING TO HELP ME. WHEN I ASKED TO SPEAK TO HIS BOSS/HE WOULD NOT LET ME AND TOLD ME THAT I WOULD LOSE MY {$75.00} AND HE WOULD NOT HELP ME. I FEEL THAT THIS IS UNPROFESSIONAL AND UNETHICAL. I DONT SEE HOW A CARD COULD BE REDEEMED IF IT IS NOT SCRATCHED. I AM COMPLAINING TO MAKE IT KNOWN TO HEADQUARTERS AND TO MAKE THIS RIGHT. I JUS WANT MY SON TO HAVE A NICE BIRTHDAY AND IT SEEMS LIKE I AM GOING TO LOSE {$75.00} BECAUSE GOOGLE DOES NOT WANT TO HELP AND STAND BEHIND THIER PRODUCT. PLEASE CONTACT ME AND GET BACK TO ME AS SOON AS POSSIBLE AND HELP. THANK YOU FOR YOUR CONSIDERATION.
Consumer complaint received 2021-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

Opened Kohls charge card account XX/XX/XXXX Moved addresses XX/XX/XXXX XX/XX/XXXX, I updated new address with Kohl 's for statements via telephone XX/XX/XXXX, I never received a Kohl 's statement XX/XX/XXXX I called Kohl 's as I had not received a statement, Kohl 's told me that I did not change my address with them according to thier files and I was late on my XX/XX/XXXX statement. 
I again changed my address with them and paid the balance in full. 
I closed my Kohl 's account in XX/XX/XXXX. 
I find this affects my credit report XX/XX/XXXX I call Kohl 's customer service about this and they told me to file a report since they could not help me. 
I had this card from XXXX, never missed a payment until I moved and they did not forward and or I did not received. 
I would like this adjusted so my credit score can reflect my actual activity
Consumer complaint received 2021-05-15
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: PENTAGON FEDERAL CREDIT UNION (NC)

I applied for an auto loan on XX/XX/2021. I spoke with the loan originator about potential interest rates. She told me the lowest possible rate for 60 month and 72 month terms. I knew I would likely be in the second credit tier but she could not tell me what my rate would likely be. I did not decide on a term at that time as a wanted to know the rate first. She told me I should get a decision on the application within 24 hours. I was first contacted four days later and was asked to provide a recent paystub. I uploaded my paystub that day. I received an email from the underwriter three days later asking for a second paystub, as they require two paystubs. Their first request did not mention two paystubs. I uploaded my second paystub. I called two days later to check on the status of the application. The employee told me they needed a second paystub. I then uploaded my second paystub again. On the thirteenth day after submitting my application, I received an email saying my application was approved, the funds were disbursed and that I will receive a loan packet in the mail. I was never asked what term I wanted and never told the interest rate nor asked if I wanted to proceed with the loan before receiving the email saying the loan was disbursed. I then called PenFed as I was curious what my interest rate and term was. The PenFed employee was nice but said she didnt have access to the interest rate information. I then asked to speak to a supervisor, hoping they may have access to the underwriter credit tier margins/rates. The employee returned to the phone after a hold and said both supervisors she spoke with said I would have to reapply to find out my interest rate at 60 months. In summation, this whole process has been appalling. A consumer should not have to jump through hoops to find out if a loan is approved. I should have been told my application was pre-approved pending income verification, etc. I should have also been asked what term I wanted and If I wanted to proceed with the loan before it was booked. If PenFed needs to review two paystubs to verify income, they should say that before they receive one paystub. PenFed should not advertise a fast and easy auto loan application process when it can take 13 days to get an application approved. When credit unions get greedy and expand their membership eligibility to anyone just to expedite their growth, it can lead to poor service like this.
Consumer complaint received 2024-03-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I believe FCRA 605B mandates the elimination of any erroneous accounts from my credit report. Would you kindly review the documents? Several of the listed accounts are inaccurate, and it's causing me discomfort.
Consumer complaint received 2022-04-11
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. (GA)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Consumer complaint received 2018-09-05
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: HYUNDAI CAPITAL AMERICA (CA)

On XX/XX/XXXX, I timely returned a leased vehicle to the XXXX Dealership in XXXX, CA ( " Car Pros '' ). The vehicle was XXXX miles UNDER the contractual maximum. An onsite inspection was performed at the direction of XXXX XXXX [ last name omitted ] during which they took the vehicle into their repair/maintenance section for approximately 30 minutes. Mr. [ last name omitted ] returned to me with a " Vehicle Return Receipt, '' which lists the mileage and date of return. We both signed it. He verbally stated the vehicle looks fine, and that they were going to ship it off " for auction. '' As the car was XXXX miles under the allowance, and there were no defects, damage, or noticeable wear given the low mileage, there was no discussion at all about " excessive wear and use. '' In any event, the car DID NOT have " excessive wear or use. '' On XX/XX/XXXX, I received a letter from XXXX XXXX XXXX, which has offices in CA and TX, which states " This is an attempt to collect a debt, '' demanding {$480.00} for excessive wear and use. XXXX offered no accounting or evidence of the alleged " excessive '' wear or use. And, as XXXX has had the vehicle in their possession for several weeks, I now have no means to inspect the vehicle myself. 

I find the practice of accepting a vehicle return, doing an inspection at the dealership, providing the return receipt with no mention of a further inspection or evaluation, and then sending a bill for {$480.00} for " excessive use '' to be extremely unfair and vulnerable to fraud and abuse. The consumer is completely at the mercy of the anonymous and unchecked leasing company, which obviously has an interest in charging fees. I am predicting there are other consumers who have encountered this problem. 

I called the XXXX # on the debt collection letter XXXX same as above ), and entered the last four digits of my SS # as requested, and then a recording says " this is an attempt to collect a debt and any information you provide will be used ... '' Eventually a recording told me to call back. I have not yet called back that XXXX # number.
Consumer complaint received 2022-04-11
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: First Federal Credit Control, Inc. (PA)

First Federal Credit called me several times, on the most recent interaction in which I stated that I wasn't able to make payments, the agent called and told me that my credit would be negatively impacted by not paying her. 

This account has been in their charge since XX/XX/22. They've ALREADY reported negatively against my credit report and have now SOLD THE DEBT to another collection agency ( XXXX XXXX XXXX  ) without giving me a fair chance at resolving this debt.
Consumer complaint received 2021-05-15
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. (OK)

This is me and I give permission to continue this investigation Equifax has violated the law on several occasions. With the following inquiries which appear on my consumer report ; which is, in violation of : 3. ) Violations of 15 U.S.C 1681a 2 ( i ) 4. ) Violations of 15 U.S.C 1681b 2 5 ) 15 U.S.C. 1681a 2 ( b ) XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, Late payments from XXXX XXXX  and XXXX XXXX is in violation of 3. ) Violations of 15 U.S.C 1681a 2 ( i ) 4. ) Violations of 15 U.S.C 1681b 2 5 ) 15 U.S.C. 1681a 2 ( b )
Consumer complaint received 2022-04-11
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. (NC)

In accordance with the Fair Credit Reporting Act the following have violated my rights : XXXX XXXX XXXX section XXXX A. States I have the right to privacy XXXX XXXX. XXXX Section XXXX A Section 2 : It also states a consumer reporting agency can not furnish a account without my instructions 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 XXXXt XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX
Consumer complaint received 2021-05-17
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. (MO)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2021-05-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I have sent several letters for debt validation. I requested hard signatures, open/close dates as well as payment history. I received none of the above documents. 
It is well within my rights to ask for these documents per the FDCPA and the FRCA.
Consumer complaint received 2021-05-15
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. (MD)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of Equifax breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that are attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the Equifax breach as well.
Consumer complaint received 2022-04-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: KEYCORP (NY)

I XXXX XXXX am submitting this complaint on on my behalf there is no this party involved. This complaint is to serve as a second and final notice prior to arbitration of KeyBank failure to acknowledge receipt of my billing error that was sent and delivered to the company on XX/XX/XXXX. 2022 ( Exhibit Attached ). Not only did KeyBank fail to acknowledge my billing error dispute after conducting my own investigation on my most recent consumer report as of XX/XX/2022 I found a numerous amount of inaccuracies and violations of the FCRA. The furnisher Keybank is furnishing inaccurate and incomplete information which is a violation of XXXX XXXX XXXX. This information is inaccurate and I demand the appropriate corrections be made. Failure to respond or resolve this matter in the attached exhibit you will find my pre arbitration demand letter in which I will not hesitate to initiate shall you not comply any farther. The failure to correct the billing error on my account along with the adverse actions taken by the Keybank in which should have been arbitrated if there was ever a dispute amount any amount owed. I have reason to believe and do so believe there are misapplied credits and I have suffered injury due to KeyBank being deceitful about the nature of this transaction my reasons are included in the Exhibit. These events have jeopardized my relationships with other Finacial institutions and I have not been able to obtain housing or any means of credit because of your non compliance.
Consumer complaint received 2022-04-11
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (NY)

When I gradutated school I was stuggling to pay my student loan leading to them add a lot of interest, non payment fees and other fees which balloonedmy loan. I did claim bankruptcy in 2012 and did tell the servicer AES which they didnt want to drop any interest, fees or charges. When I got back on my feet and got a stable job, I started to pay till this day. I think it is unfair I have to pay all those fees, charges and interests on the loan when I didnt have the funds during those years when I was not working. 

My orginal loan was XXXX When I finally started to pay it off it was as high as XXXX XXXX XXXX Loan Status : REPAYMENT Disbursement Information Disbursement XXXX Loan Program : XXXX Owner : XXXX Guarantor : XXXX XXXX XXXX XXXX XXXX AT XXXX Out of School DateXXXX Interest Rate Information Interest Rate:5.99 % Interest Rate Type : STANDARD VARIABLE Subsidy : NON SUB Loan Balance Original Balance : {$28000.00} Late Fees : {$0.00} Unpaid Interest : {$130.00} Principal Balance : {$33000.00} Payment Information Monthly Payment : {$360.00} Repayment Plan : Standard Repayment Term:131 Months Expected Payoff DateXXXX Due Date Information Next Due DateXXXX  Days Delinquent:0
Consumer complaint received 2023-04-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (WA)

Chime let XXXX charge my account for XXXX And I did not approve this transaction which is now causing me to be late on my phone bill they refused to help me figure out on a recorded line my phone calls are recorded and hung up on me
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I need XXXX  deleted from my credit report Opened XX/XX/XXXX Balance {$12000.00}. XXXX has violated my rights by violating the consent order. Below is the aritcle I also have attached the case involving this Settlement the Bureua of Consumer Finacial Protection has won how can XXXX continue to ruin consumers credit reports Delete this account immediatley. Also According to XXXX XXXX Transunion XXXX Transunion is supposed to ensure MAXIMUM ACCURACY. These accounts violates these laws 15 USC 1681 ( i ), 15 USC 1681s2, 15 USC 1681i5, 15 USC 1681eb. I also want all payment history to be updated to paid as agreed for XXXX  XXXX account Open XX/XX/XXXX I have no recollection of ever being late 150 days Deliquent XX/XX/XXXX or any other time also same for XXXX XXXX XXXX XXXX shows late 30 days but all with different dates Transunion and XXXX say XX/XX/XXXX XXXX says XX/XX/XXXX remove late and show account as paid as agreed immeditaley. 

Bureau of Consumer Financial Protection Settles with XXXX XXXX XXXX XXXX. 
Company Did Not Properly Disclose Terms and Conditions of Its Auto Loan Add-On Product and Auto Loan Extensions XX/XX/XXXX XXXX, D.C. Today the Bureau of Consumer Financial Protection ( Bureau ) announced a settlement with XXXX XXXX XXXX XXXX XXXX a consumer financial services company based in XXXX, Texas. 

As described in the consent order, the Bureau found that XXXX violated the Consumer Financial Protection Act of 2010 by not properly describing the benefits and limitations of its XXXX XXXX product, which it offered as an add-on to its auto loan products. XXXX also failed to properly disclose the impact on consumers of obtaining a loan extension, including by not clearly and prominently disclosing that the additional interest accrued during the extension period would be paid before any payments to principal when the consumer resumed making payments. 

Under the terms of the consent order, XXXX must, among other provisions, provide approximately {$9.00} XXXX in restitution to certain consumers who purchased the add-on product, clearly and prominently disclose the terms of its loan extensions and the add-on product, and pay a {$2.00} XXXX civil money penalty. 
I have attached a copy of my Credit Report also to show Date of Last Activity for XXXX is even reporting inaccuratley on all XXXX credit bureaus to further show that maxim verification has not been provided which is a FCRA Violation also the XXXX XXXX XXXX XXXX Shows 30 days deliquiency in separate months on all XXXX credit bureaus XX/XX/XXXX Transunion XXXX and XX/XX/XXXX XXXX update immediatley and remove deliquency another Violation FCRA disputed before came back as verified how can that be with all these inaccuracies.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

After sending a lot of Dispute Letters and FTC reports, these unauthorized and fraudulent inquiries are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These unauthorized and fraudulent inquiries are NOT MINE. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity.
Consumer complaint received 2022-04-11
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. (CA)

Under FCRA 15 U.S. Code 1681s2 ( 3 ) you violated the law. I disputed these inaccurate items over 35 days ago and you havent notated is as disputed. You cause me to lose out on offers due to reporting this inaccurate item and not notating it was disputed.
Consumer complaint received 2017-06-24
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. (NJ)

I walked in a dealership XXXX XXXX of XXXX Pennsylvania I specifically told the sales rep not to run a hard inquiry and I did n't sign everything with them on X/XX/17. The sales rep hit my credit with a hard hit anyway after I told him soft hit only and this was not the first time it happened to me with this dealership! The first time the company ran my credit to multiple bank 's without my permission. I also feel the company overcharged me for the vehicle I received.
Consumer complaint received 2022-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CO)

AFTER DISPUTE YOU ADDED SAME PAST DUE ACCOUNT ON MY CR TWICE SAME ACCOUNT i HAVE 4 2 WERE DISPUTED YOU ADDED THE SAME 2 SO NOW I HAVE 4 SAME 2 TWICE DONT KNOW HOW TO EXPLAIN TO YOU SO WHY DONT YOU CHECK IT INSTEAD OD ASSUMING SOMEONE DID THIER JOB , CLEARLY THEY DID NOT
Consumer complaint received 2022-04-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (MS)

I have been trying to get phh mortgage to pay my taxes for XXXX and XXXX ever since XX/XX/XXXX. I've sent the amount on what needed to be paid and they still didn't send my payment in time and the taxpayer had to send the check back because the payment amount changed. Phh mortgage insured me my taxes will and were paid and as of XX/XX/XXXX, my taxes are still not paid. I've sent emails and was told it would be reviewed in 10 days when it supposed to been handled in XX/XX/XXXX. My taxes are deducted from my mortgage payment I pay every month.