davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

At this time TransUnion has denied me the ability to TIMELY dispute an erroneous inquiry reported to them by XXXX, and they have posted the erroneous report so as to cause damage to my public record. Every effort to submit a dispute through TransUnion 's website was to no avail, they have it RIGGED! Also, take note that TransUnion never sends a Code to my email. And even worse, their webpage blatantly denies one the opportunity to 'start a dispute '!!! See the attachments.
Consumer complaint received 2019-06-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have had two credit cards with Capitol One with large credit limits for more than 14 years and have never missed a payment. I added Authorized users to my account, they requested I provide them with copies of the persons drivers license and Social Security cards via a secure link they provided. The other day I had finally got the last copy of the Social Security card and uploaded to the link they provided. A day or so later, I tried to purchase electronics for my business and it was denied. I called Capitol One and was told they had closed out both my credit cards and my reward points were forfeited. I called them again today and was told there is nothing they can do to reinstate the cards or refund my reward points. The reason they are giving me for closing the accounts is that they can't verify the documents I provided. I provided copies of front and back of the drivers licenses and Social Security cards as they requested. Is there anything I can do to get these cards reinstated, refund of my rewards points, and have them correct my credit report?
Consumer complaint received 2019-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

Equifax continues to put a security freeze on my credit report without authorization. I called Equifax to resolve this issue today! The same person answers the phone each time. I thought this was resolve previously but it is happening again ... please with this issue! 

Thanks, Mr. XXXX
Consumer complaint received 2022-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Credit Karma (LA)

On XX/XX/2021. I went into my credit karma app and it told me I was approved for a credit card for XXXX XXXXXXXX. So I applied. Once I did I was denied some time later. It really did infuriate me. If need be I can send you images of the hard inquiry that was made on XX/XX/2021.
Consumer complaint received 2019-06-18
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Comerica (AL)

have been waiting eight months to receive a check for the remainder of my fathers account ( {$3900.00} ). I have called multiple times a month since XXXX and have had no follow through. Im frustrated by the lack of response and accountability that Direct Express has shown me each time I have attempted to resolve this final matter regarding my dads death. 
On XX/XX/XXXX, my father, XXXX XXXX, passed away. In XX/XX/XXXX I called to close his account. Direct Express froze his account and sent me the paperwork to close it out. In XX/XX/XXXX I sent the paperwork back with everything requested. In mid-XXXX I called Customer Service to check on the status and was told a check was sent XX/XX/XXXX, and that it would take 4-6 weeks. I told the customer representative that I had not received the check, and she said I needed to wait the full six weeks before they could do anything. So I called back 3 days later. The customer service representative escalated my request and told me someone would call me back. I waited two weeks for someone to call me back. No one ever did. I called again. They escalated my request again. I never received a call. I called back once a week for the month of XXXX. On XX/XX/XXXX, I called again. This was the 5th time I was told someone would call me. I knew that no one would. I was finally given the number for the Payment Processing Department. I called and listened to the seven-minute long message before leaving a voicemail with all of the information. I was surprised that someone actually called me back. On XX/XX/XXXX she told me that she would send a request to the accountant to research the check, request a stop on the check if it had not been cashed, and then issue a new check. I asked how long I should expect that to take. She said 2-4 weeks depending on how busy the accountant is. I waited four weeks and called again on XX/XX/XXXX. Again they told me that they would escalate my request and a supervisor would call me back. I was finally given a fax number as a last-ditch effort. I called the payment processing department again on XX/XX/XXXX. I have still not heard back from anyone.
Consumer complaint received 2019-06-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (FL)

This is a followup to complaint # XXXX. I mailed a check for the final amount and notified PayPal Credit to close the account. The check was sent via Certified Priority Mail with a return receipt on XX/XX/XXXX. It arrive at their post office on XX/XX/XXXX at XXXX XXXX. according to postal tracking records and as of XX/XX/2019 XXXX EDT PayPal Credit has not picked up the payment. 

I send this information for your records, because I believe PayPal will claim that the payment was late and want additional late fees and service charges or simply refuse the accept the payment and keep the account open continuing their predatory practice.
Consumer complaint received 2019-06-18
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (CT)

I've been filing complaints relating to fees charged to accounts opened as a result of Wells Fargo high-pressure sales tactics in order to boost profits for their executives, I requested a refund of remaining fees and was denied recently. It appears Wells Fargo rather remedy the issue than resolve it by providing small refund amounts of {$50.00} and most recently, {$120.00}. As I've explained and according to what the attached statements show, these remedy amounts do not cover total fees, namely overdraft fees, which I was charged a total of {$870.00}. I was refunded a total of {$260.00} thus far. This refund total includes {$85.00} received from Wells Fargo settlement pertaining to their high pressure sales tactics. I requested a refund in the amount of {$610.00}, remainder of fees, in a prior complaint as well as through Wells Fargo mediation solicitation received recently, have not heard back in reply to my request. However, I was denied refund through complaint, their medication dept has not gotten back to me as of yet. Further, I requested an accounting of fees charged to said accounts, it does not appear my request was honored. I believe my refund request in the amount of {$610.00} is fair, not including monthly maintenance fees. This is a final settlement amount which will resolve any and all claims/complaints related to and thereof, failing to honor this request will result in additional complaints filed through other agencies.
Consumer complaint received 2019-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

When I was a teenager, my mother opened an internet and cable account with XXXX XXXX using my name and social security number. I was unaware of her actions, and she never once told me she had done so. 

Sometime in XX/XX/XXXX I received communications from a debt collection agency, XXXX XXXX of XXXX Florida regarding an unpaid debt with XXXX XXXX. After our initial contact, I spoke with my mother about this debt. She admitted that she had opened the account, and had never paid the final bill after moving. As such, I was stuck with the remaining debt and collections that were now added to my credit report. 

I contacted XXXX XXXX again in XX/XX/XXXX, and paid the balance of {$110.00} in full to avoid any more negative history on my credit report. At this time, I requested to have this negative remark removed from my report, which was promptly denied. 

This negative remark on my report caused issues while applying for various lines of credit in the years XX/XX/XXXX and XX/XX/XXXX, which pushed me further into a financial sink hole, while I was trying to fix and rebuild my credit. I contacted XXXX XXXX again during this time period, and was once again denied my request to have this negative remark removed. 

Flash forward to XX/XX/XXXX, and I am finally learning the ins and outs of how credit works and I am actively making sound financial decisions in order to build a solid credit history. This negative remark on my credit history, which is due to no fault of my own, is causing issues with my current credit health again as I am trying to access and utilize new lines of credit. 

I contacted XXXX XXXX a third time on XX/XX/XXXX in an effort to have this negative remark removed from my credit report, and was again denied.
Consumer complaint received 2018-06-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALCHRO INC. (FL)

The company XXXX XXXX  XXXX XXXX XXXX has listed a debt on my credit reports in the amount of {$75.00}. I've repeated disputed that the debt is mine and they have refused to remove the debt from my files. I have never contracted with this company, nor do I have any knowledge of this company. This company is hurting my credit scores and preventing me from having access to financial products that would help me to better my life.
Consumer complaint received 2016-04-09
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIBANK, N.A. (CA)

I have a consumer credit card with The Home Depot which has a deferred interest purchase that is due for {$340.00} which is due before XXXX/XXXX/2016, I paid the full amount of {$340.00} and they took {$110.00} for a minimum payment for the pay period. I called today to ask to pay the {$110.00} that they took for the minimum and they are trying to require me to another minimum of {$110.00} that is not due until XXXX/XXXX/2016. I am asking to pay the {$110.00} now and the {$110.00} before the due date of XXXX/XXXX/2016 and they are refusing. i authorized payment of {$110.00} but they took a payment for {$110.00} which was incorrect and I asked for them to cancel it and they refused to credit it back to me.
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I did not see anywhere to put an update on my initial complaint, so Im adding it here. 

I have sent Experian the dispute letter requesting proof of their investigation as to how they validated the debt and I did not even receive a letter response back at all! Nothing even telling me that they did the investigation. It has been over 30 days and in their response on the initial complaint, they clearly state I would receive their response in 30 days. They failed yet again to follow the law as well as their own word. I expected a letter detailing the results of my dispute and I have received NOTHING AT all! Nothing from the XXXX letter of XXXX letter. They have not sent me any details on their investigation let alone the proof of how they validated it, yet EVERYTHING remains on my credit report! They are not following the law that they should be held to! They should legally delete all the negative items they have not sent me the proof I asked for. I have since sent A THIRD dispute letter!!!!!!!
Consumer complaint received 2020-09-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (CO)

I only used XXXX once and returned everything I bought using it. The company will not leave me alone and continues to mail me bills saying I owe them debt. I do not owe them anything as I have never used XXXX since I returned all of the items. I would appreciate if Midland Credit Management would stop mailing me bills saying I owe them money.
Consumer complaint received 2019-06-18
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: LDF Holdings, LLC (FL)

Getting a payday loan was the worst mistake that I ever made in my life.The finance fees are outrageous and not affordable.The company takes basically my entire pay, I am a single mom who pay check is completely gone due to this fact.I don't even have gas in my car for work what am I suppose to do at this point .Help please.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-06-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: NAVY FEDERAL CREDIT UNION (GA)

Navy Federal is reporting a credit card account that I was an authorized user on. I removed myself from the account. However the account is showing on my credit report as a closed account reporting negative payment history and the account was terminated. 

I was no longer on the account as an authorized user once the account when negative. Also as an authorized user I am not financially obligated for the balance of this credit card. Therefor the account should not be able to cause harm to my personal credit file in the way that it has. 

On the grounds of the Fair Credit Reporting Act- If the creditor is reporting any inaccurate and incomplete information, the account must be removed. The account list as Responsibility : Terminated and Remarks : Account closed by consumer one account can not have both status. Either the account was closed by the consumer or terminated by the Financial institution. 

Please not there is not an account number provided on report. 

NAVY FEDERAL CR UN Last reported XX/XX/XXXX Reported balance : {$0.00} Credit limit : {$24000.00} You're using 0 % of your account 's limit OVERVIEW Credit limit : {$24000.00} Minimum monthly payment : {$0.00} Opened : XX/XX/XXXX ( 2 yrs, 7 mos ) PAYMENT HISTORY You've made 79 % of payments on time J F M A M J J A S O N D XXXX green_status XXXX green_status green_status green_status green_status green_status green_status green_status green_status green_status red_status red_status red_status XXXX green_status green_status Current red_status : Not current Last payment : XX/XX/XXXX Payment status : Current Amount past due : {$0.00} Worst payment status : 90-119 Days Late ACCOUNT DETAILS : Account status : Closed Type : Credit card Responsibility : Terminated Remarks : Account closed by consumer Times 30/60/90 days late : 1/1/1 Closed : XX/XX/XXXX 2017
Consumer complaint received 2017-06-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Global Payments Check Services, Inc. (VA)

My husband and I had a dental visit at  XXXX   XXXX  on  XXXX   XXXX ,  2017 and o ur bill was {$230.00}. We wrote a check ( #  XXXX  ) for the amount ; they did automatic debt and the check was cleared. In fact the check was process because it was on my bank statement for  XXXX   XXXX  , 2017. To veri fy all transaction was managed well. I visited my bank and information was confirmed.   I then visited  XXXX   XXXX  with all of my documents and they indicated to me that the check was processed and there is no problem. Yet, the company listed below has been call and sending let ters (  harassing me to pay the bill again. They have even threaten that they will send it a collection agency.   Global Payments Check Services , Inc .    XXXX   XXXX   XXXX   XXXX , Il  XXXX   XXXX   XXXX  was not familiar with this company, when I visited their offices. I am not sure their relationship with  XXXX   XXXX . What I am sure is that the bill has been paid in full. I have said this to  XXXX  Payment ; fax them information and the threats continues. I need help with this situation.    XXXX    XXXX    XXXX
Consumer complaint received 2015-07-23
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (NC)

I have been harassed by Midland Funding, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX CA XXXX ( XXXX ), on and off for several years. On XXXX XXXX, 2012 I sent them a letter asking for validation of a debt they claim I owe. They never responded to me, but instead put the debt on my credit report as their own debt, with a falsified Open Date. 

I then sent them a letter demanding either proof of debt or removal from credit report. They ended up removing it. Now, XXXX years later I see it once again on my credit report. I am done talking to them, I now wish to file a public complaint and if they do not remove this from my credit files within XXXX days of today, I will file a lawsuit against Midland for several violations of the FDCPA over the last XXXX years. 

I have never had an account with Midland Funding, and do not appreciate them popping up on my credit files every few years.
Consumer complaint received 2019-06-18
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. (AL)

On XX/XX/19, I tried to apply for a credit card and was told that I had a charge off from XXXX XXXX XXXX. I contacted them and found out that at XXXX, there was a fraudulent account opened in my name. I disputed the information with the credit bureaus and bank. The bank has not removed this information and told me that a XXXX year old can open a credit card but I never opened this account. The address and date of birth is not the same as mine. I have tried to resolve this and still havent been able to.
Consumer complaint received 2019-06-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

XXXX  and Transunion are incorrectly reporting a charged off account where I am shown as an Authorized User on XXXX  XXXX  XXXX partial account number XXXX. ( Please see pages 3 and 13 of the attached credit report. ) I have already called XXXX  XXXX XXXX and let them know that I never gave permission to be added as an Authorized User to this account. This tradeline has been removed from XXXX, however XXXX  and Transunion have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.
Consumer complaint received 2019-06-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc. (NJ)

On XX/XX/2015 I facilitated a loan from Santander Consumer USA, I know my credit score was low because I was in XXXX ( XXXX ) and unfortunately I can not make any excuse but I was away. It was not explained to me that the loan would incur interest everyday at an alarming rate. My first 3 payments which were paid on time were applied solely to interest {$720.00} ( solely to interest ). I was at loss, not one day late and nothing applied to principal but then every payment I sent was applied mainly to interest and very little to principal. I called them, my parents called them on my behalf because this was impacting my XXXX and XXXX. I started having a hard time paying my payments because I could not keep up with the payments. Santander did not care. I research and know in other states they have class action law suits for inflated auto loans. My mother just took a personal loan to help me, She feels this is a predatory loan and said this amount of interest does not seem legal, please help me. She is paying the car off but I am leaving her in debt and if I can send a payment history you will see the damage done. please help this seems wrong and unjustified
Consumer complaint received 2022-09-03
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: Credit Karma (SC)

I began receiving pre-approval notices for various credit cards and loans from credit karma. After filling out all of the necessary information as requested, I was denied. There were many hard inquiries made to my credit report that negatively affected my credit score. Many of these inquiries were made without my knowledge and I kept receiving pre-approval notices even after I was denied. I was then lead to believe by credit karma that these hard inquiries could be removed by filling out more information which then more hard inquiries were made to my credit score and the hard inquiries were not removed and more were added. My score has dropped considerably due to this fraudulent misinformation. Now I don't know what to do to have these inquiries removed and have my credit fixed as I was lead to believe by credit karma.
Consumer complaint received 2019-10-09
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. (NE)

Good day, today I got my new credit report from credit monitoring My Fico, and I'm still see that Equifax and XXXX still reporting a late payment on XX/XX/2015. When is not a late payment reported in XXXX. These account is been dispute several time, and always came back as verified. How one Credit Bureau report a different information compare with the other two. The only way negative accounts can actually stay on your credit report if it is complete accurate and verifiable. 
Also Credit Bureau should get information from the same Furnisher ( XXXX XXXX ) in this case.