davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-19
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. (GA)

I put in a dispute with Eqifax about a account on my credit report and Equifax investigated and stated that the account belonged to me. Equifax stated that I should contact the finance company with the listed phone number if I disagreed with their findings, which I did. The phone number is not a working number.
Consumer complaint received 2022-03-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (CA)

XXXX bank is deliberately, fragrantly, an unlawfully reporting fraudulent information on my credit report. I've provided numerous letters as well as an FTC report as proof to the fraudulent account, yet they continue to report the fraud. Originally, Experian deleted the account from my profile but later added it back on. I'm beyond frustrated with these bully tactics and need help rectifying this situation ASAP. I honestly feeI as if XXXX and Experian are conspiring against me. I asked them to send documentation bearing my signature. Instead, I received an unmerited validation letter stating they had proof the account was mine. The proof was a credit card statement that I've never seen in my life. I'm at my wits end and desperately need assistance with this unforeseen and unavoidable nightmare. I've contacted you before in regards to this matter and I'm expecting you to hold them accountable this time. This ordeal has dragged along long enough and enough is enough! I demand resolution! Protect my consumer rights like you swore to do!
Consumer complaint received 2021-04-15
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: Chime Financial Inc (NY)

There were charges that were unauthorized on my account and when I reached out to the merchant they advised they would help but then said they werent going to be able to do anything. I reached out to my bank, chime and advised them of what was happening and that I tried working it out with the merchant but Im being ignored and chime has not helped they denied my dispute 3 days after they supposedly started it and then wouldnt allow me to reopen the dispute ( appeal ) the decision until I threatens to reach out to the proper channels only for them to deny me but the charges are unauthorized and I need my money I dont have the luxury to be stolen from and not do anything about it.
Consumer complaint received 2021-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have asked for the investigation with inaccurate information on my report with the CRA 's and creditor XXXX XXXX XXXX. I kept getting ignored. I feel that my investigate was not conducted with reasons according to the FCRA. I do not think that my evidence was look at. I'm asking my evidence and my investigation be looked at. Also, provide how the investigation was performed. I have attached 3 reports from XXXX, XXXX, and Transunion. All show different account number, payment history, and status dates. Should it be that the furnisher report to all CRA 's one accurate and complete report. 

XXXX XXXX Account number : XXXX XX/XX/2021 2021
Consumer complaint received 2018-07-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (AZ)

XX/XX/XXXX I was contacted by XXXX XXXX XXXX in regard to a Citibank/Amex card that was settled back in XX/XX/XXXX. This is the second time in the last two months I have been contacted by a collection agency for this debt. I settled for less than I owed with the creditor/collection agency - XXXX XXXX XXXX on XX/XX/XXXX. The two calls I recently received are for the balance of what was due back then. I was told that they had mailed me correspondence and since I hadn't responded it was being referred to an attorney. I have never received any correspondence, just phone calls in regard to this. Both times I have spoken to someone, I have been told that they would update my record and if there was anything further required, I would be contacted. I went through an attorney for this debt settlement, as I had several debts that I settled. I can not go to her for help with this because she is no longer practicing.
Consumer complaint received 2020-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX insurance on XX/XX/2018 has an Inquiries in which I did not request insurance of any kind or ask to purchase or sign anything for insurance with XXXX
Consumer complaint received 2019-08-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital One adjusted all the due dates and autopayment dates without prior warning, forcing customers to adopt a new due date chosen by Capital One. While they are offering the ability to then select a new due date, that request can take 1-2 billing cycles to become effective. However, the consumer is still required to make payment on the arbitrary date chosen by Capital One. Many consumers, including myself, schedule our payments around a predictable paychecks and other infusions of cash and in this situation, the arbitrary due date falls in between pay checks when available cash is lowest and moves the due date forward by one pay check cycle requiring me to skip paying other creditors in order to pay Capital One or not pay Capital One.

I have a 100 % payment record on all my debt, including two accounts at Capital One, but this situation threatens my ability to make at timely payment on the Capital One the due day they chose while waiting for the request to be processed for a due date that will be aligned with my pay cycles ( as it was prior to their forced change ) I spoke to a supervisor at Capital One and after explaining the above, asked to move the upcoming date that they imposed, but she refused and stated they understood this was a inconvenience for me but I still had to pay by their due date with the implication that if I didn't, I would lose my perfect credit history with Capital One and the credit reporting agencies causing irreparable financial harm. 

I am sure that I am not the only consumer harmed by Capital One 's actions in this situation as millions of consumers live week-to-week and take great pains to balance cash flow so that their debts are paid on time as agreed with their creditors.
Consumer complaint received 2022-02-15
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. (TX)

I did not consent to, authorize nor benefit from any of the following inquiries. Block and remove them. 
XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX  - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX  - XX/XX/XXXX XXXX. XXXX XXXX XXXX co - XX/XX/XXXX XXXX. XXXX XXXX XXXX  - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX Co XXXX XX/XX/XXXX XXXX. XXXXl XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX  - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX
Consumer complaint received 2022-02-15
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: CAPITAL ONE FINANCIAL CORPORATION (VA)

I immediately recognized two new charges for {$150.00} and {$49.00} as fraudulent on Sunday XXXX XX/XX/2022. Capital one ( my credit card bank ) initially reversed the charges. About a week later a package arrived at our house. It contained XXXX bottles of non-FDA approved " nutritional supplements '' that neither my wife nor I ever ordered. Obviously these products were ordered with our stolen personal information including address and credit card number. The company then submitted the delivery verification as proof to win the fraud investigation. The problem is that neither my wife nor I ordered these products and they are not something we ever even would consider ordering. The company ( referenced not by name and only as a phone number on the return label ) will not accept the package for rreturn, telling me that because I disputed the charge they won't take the product back ( even though they got paid ). The supervisor at capital one admitted that no one really even knows who the merchant is because they use a third party credit card processor paynexio.com. XXXX has no interest in solving this because " the product was delivered to my house '' so under their rules it can't be fraud. To me, using my stolen info to order worthless pills and sticking me for {$200.00} is fraud
Consumer complaint received 2022-02-15
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: EQUIFAX, INC. (GA)

I am notifying you that the dates below that I did not authorize any individual from any of the listed company to pull or review my consumer report. I have not given XXXX, Equifax, XXXX permission to furnish this information. Having understood this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my consumer and privacy rights are being violated. Unless you produce any proof or evidence that support your claim or show you were right in your decision to furnish this information. Please remove the inquiries from my consumer report. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2022-03-21
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: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Bank of America accepted over payments for approximately XXXX dollars and I have been arguing with them for a week about getting the money back I have called many times and I keep being told different. things. 
I need the money back and currently have XXXX credit cards that are negative balances of XXXX combined. 
They put me on hold and promise things and don't deliver payments made XX/XX/XXXX calls made daily since XX/XX/XXXX
Consumer complaint received 2021-06-14
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: GOLDMAN SACHS BANK USA (CA)

I purchased an item from XXXX and did not receive it on time. After waiting a week to receive it, I contacted XXXX who told me to contact my financial institution which I did and an investigation from Apple was performed and they denied my dispute. I ended up receiving the package the next week. I ended up not liking the shoes and returned them to XXXX who then proceeded to refund me. But I waited for a while and the refund did not hit my card. I then contacted Apple Card who then put in a dispute and then they continue to deny my dispute even with my proof. It appears that they are not looking into the evidence provided but are just siding with XXXX.
Consumer complaint received 2019-08-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BB&T CORPORATION (UT)

MY ISSUE IS WITH REGIONAL ACCEPTANCE CORPORATION ( RAC ) BASED IN XXXX NC. THIS IS AN AUTO LOAN BUSINESS. I DONT HAVE ANY CONTRACT OR AGREEMENT WITH THIS COMPANY. I MADE A CAR PAYMENT FOR A FAMILY FIREND AND ( RAC ) KEPT MY DEBIT CARD INFO AND TOOK OUT MONEY AGAIN A FEW WEEKS LATER WITHOUT MY AUTHORIZATION OR KNOWLEDGE. I HAVE CALLED THEM SEVERAL TIMES AND THEIR CUSTOMER SERVICE HAS TOLD ME SORRY CANT DO NOTHING FOR YOU. 

DATE OF CHARGE XX/XX/2019 {$470.00} PLUS {$25.00} OVERDRAFT FEE FROM MY BANK AND NOW MY BANK ACCT IS ALMOST NEGATIVE XXXX THANKS TO ( RAC )
Consumer complaint received 2021-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This company was contact months ago and so were all 3 credit bureaus. The account in collections was opened fraudulently back in XX/XX/XXXX and this company is purposely reporting this debt as if it was opened in XXXX. This leads to more of a score drop on my credit report and is being done on purpose because XXXX XXXX  XXXX is aware that the account was is set to fall off in 7 years ( XX/XX/XXXX ) which was confirmed by all 3 credit bureaus however this unscrupulous bill collector is reporting the account being opened this year XXXX just because they bought the debt which should not be allowed by the credit bureau and should not be done by the collection agency. This is a ridiculous attempt to not submit the correct information and it needs to be reported correctly which is it was opened in XXXX NOT XXXX. 

This debt needs to be reported correctly it was last delinquent in XXXX and is set to fall off the credit report XX/XX/XXXX, therefore XXXX XXXX  XXXX should not be allowed to report fraudulent information as if this account was open and first because delinquent in XXXX to the credit bureaus and the credit bureaus should NOT allow this practice to continue for anyone, very unscrupulous behavior and XXXX XXXX  XXXX has been notified and have made no changes.
Consumer complaint received 2021-08-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (VA)

Out of nowhere, I have been entirely blocked from making payments on Venmo. I reached out to them initially and they told me to try a different payment method to get around any potential issue with the initial payment method. After trying three different payment methods and trying over the course of a week, I am still being blocked from making any payments to anyone else on Venmo. This is a significant monetary issue for me. I asked for a Venmo supervisor to solve the issue but she repeated that Venmo 's automated system flagged a transaction as risky. However, this does not address the issue that I am still blocked after over a week 's time having tried different payment methods and tried paying different people with different payment amounts. It is not a transaction that was blocked but an error in the Venmo system that has blocked me as a user for no good reason. The supervisor has provided no solution and is no longer willing to contact the appropriate people in Venmo to fix the issue. She could contact the security team, or web developers, or her own supervisor but nothing has been done. I am being denied Venmo 's services which is discriminatory and incurring losses to me. I would like this to be escalated and solved so that I am not unfairly barred from ever using Venmo again.
Consumer complaint received 2019-06-19
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have put FRAUD ALERT ion my credit report several years ago. 

There are INQUIRIES offering me credit that I DID NOT AUTHORIZE. 

Someone is going in and out of my credit report without my permission. 

PLEASE HAVE COMPANIES REMOVE SUCH ITEMS FOR I DID NOT HAVE ANY KNOWLEDGE OF SUCH NOR DID I GIVE ANY COMPANY PERMISSION TO RUN ANY CREDIT IN MY NAME. 

Please REMOVE BOGUS INQUIRIES.
Consumer complaint received 2021-04-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (CO)

National Credit Systems , Inc contacted me by mail on XX/XX/21 about a supposed debt. I asked them to verify the debt through mail and sent them my debt validation letter through XXXX certified mail with a return receipt. The return receipt was signed and my letter was delivered on XX/XX/21. On XX/XX/21 they sent me another letter threatening to report this debt to the credit bureaus if I don't pay it, seemingly ignoring my letter that they received.
Consumer complaint received 2022-02-15
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. (GA)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.
Consumer complaint received 2021-06-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Mitchell D. Bluhm & Associates (MO)

XX/XX/2021 I was notified of a collection account via a credit monitoring service. The collection is for a debt which does not belong to me and has been successfully disputed previously. However, the original creditor continues to hire different collection companies to erroneously collect this debt. Most recently the collection was attempted by XXXX XXXX XXXX. Please see Consumer Financial Protection Bureau file number XXXX. In the file, XXXX XXXX XXXX made false statements, and ultimately ceased collection efforts. Law Office MBA, of XXXX, TX is now attempting to collect this debt. Their client, XXXX XXXX, knows or should have know the debt is not mine. I am basing this on the repeated communications I have had with their collection companies and information I have provided. If CFPB is unable to resolve the matter I would appreciate information and resources on filing a lawsuit against the various parties involved. They have willfully disregarded prior communications and evidence provided to them that the debt is not mine. Attached are the original police report from the XXXX County Sheriff 's Office and letters noting the account has been returned to the original creditor. Thank you
Consumer complaint received 2019-10-17
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: Experian Information Solutions Inc. (MD)

I file a dispute with Experian regarding the account I have with XXXX XXXX XXXX. That account was paid in full as of XX/XX/2019. Experian sent me a letter stating that XXXX XXXX XXXX verified that I still have a remaining balance. Which is incorrect because I paid that account in full. Please see the below attachments.
Consumer complaint received 2022-03-21
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Santander Consumer USA Holdings Inc. (NY)

Hello good afternoon, I had a predatory lending auto loan with Santander Consumer USA in XXXX. I financed a vehicle in XXXX with Santander, the terms of the loan were 22.94 % interest rate at a monthly payment of {$800.00} and {$27000.00} for interest, the full pay off amount for the vehicle at the time was {$63000.00} on a XXXX vehicle. The account defaulted and vehicle was repossessed because I was unable to make such high large payments due to my job lay off. However on XX/XX/XXXX, I settled the balance in full on the account with a collections agency who had taken over the account. Per my findings, the account is still being reported in a collections/charge-off status on all three ( 3 ) of my credit reports ( XXXX, XXXX and XXXX ) Santander has refused to remove the account even after settling in full. They have advised I would need to wait 7-10 years to remove this negative remark off of my credit even after settling the account in full. Santander intentionally put me in this predatory lending loan, my monthly income on the Santander Finance application was falsified. Santander put {$6000.00} as my monthly income as I only made about {$13000.00} which was reported on my tax return for the year of XXXX. They have not provided any solution or resolution to address this matter even after paying Santander thousands of dollars to settle the account.
Consumer complaint received 2021-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (MD)

Multiple times over the last 36+ months I have requested my annual credit report and have been and STILL Im getting denied. I have sent by certified mail and fax identifying documents and have talked by telephone to EQUIFAX agents from nations outside of the contiguous USA and still can not get my consumer credit report, scores, NOTHING because EQUIFAX says the information I am providing does not match whats in EQUIFAXs records! The result of this egregious failure by EQUIFAX has caused my creditworthiness plummet in to the 500s and has ruined my ability to participate competitively or at all. I am also unable to dispute the several inaccurate, unvalidated accounts and remove the several unauthorized inquiries. My MOST RECENT request was made on XXXX XX/XX/2021 via fax to the fax number XXXX.
Consumer complaint received 2021-03-10
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. (TX)

Transunion recently raised my credit score by 29 points on a Saturday and the next day they lowered it by 49 points. Nothing changed on my report. As a matter of fact, they reported that a couple of my accts had decreased in balance. I called Transunion for an explanation as to why my score decreased and the customer service rep could not explain it. My credit has been the same for the last few months. The three derogatory items are at least 6 yrs old. There were no recent inquiries, collections or missed payments.