davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-10
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: EQUIFAX, INC. (NV)

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-05-18
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Santander Consumer USA Holdings Inc. (CO)

When I bought my XXXX XXXX from XXXX XXXX in Missouri, I was conned into trading in my car, getting less then half the trade was worth. They added a service contract that I never asked for which cost XXXX $ I had problems left and right with the vehicle, and the warranty the service contract came with. Hasnt covered any of the cars issues that they claim are not covered, but when I call the warranty company they are. When I signed the paperwork I asked before signing why is there 2 amounts on the document, they assured me I was paying the XXXX. The listing price for the car was that much, I got approved and then at the last minute when I was finished signing the paper work the lender they said that approved me changed there mind. They then magically found Santander USA and charged me 25 % casual interest. Now Im paying XXXX for a car thats worth XXXX if that anymore. I didnt want the car at that point and they told me that I couldnt get out of the contract due to signing it. When they mailed me the title to the car, the bill of sale, title and legal documents were for a car that I didnt purchase. It took them months to finally get me the needed proper documentation to legally show Im owner of the property. I just need help refinancing. I dont feel it was within my constitutionally protected rights. I never agreed to be financed thru Santander. But the I was scared into believing when they said even if I broke the contract and ended it, I would still owe for the loan on the car.
Consumer complaint received 2024-03-10
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: EQUIFAX, INC. (FL)

Equifax violated my rights under U.S.C. 1681 ( A ) 4 with inaccurate payment history that is really hurting my chance to obtain credit when I have told them multiple times something was not right on my credit profile their automated last response stated everything was complete and accurate can you please help me
Consumer complaint received 2022-01-28
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (AZ)

My balance was {$2200.00} and I made payments totaling {$1500.00} prior to my due date of XX/XX/XXXX. The payment amounts and dates are as follows ; XX/XX/XXXX {$100.00} XX/XX/XXXX {$200.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$700.00} XX/XX/XXXX {$15.00} However I was charged interest on a balance of {$1800.00} when I shouldve only be charged interest on a balance of {$700.00}.
Consumer complaint received 2021-05-18
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. (CA)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft ) 6. RENTGROW on XX/XX/XXXX XXXX Reported Identity Theft ) 7. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX  on XX/XX/XXXX ( Reported Identity Theft )
Consumer complaint received 2018-12-21
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (NE)

I opened the XXXX Prepaid debit card because they sent me an email that if I open the card and loaded {$300.00} on it, they will give {$40.00} extra. I did load the money. They blocked my card and said I need to send Bank statement as address proof and government id i.e. my Drivers license. I did send all the information and they activated my card. I loaded the money and started using the card. As soon as I tried to get cash back from the card at XXXX, they blocked my card.I contacted them and let them know unless they let me access my money, I will report them. The next day they unblocked my card and allowed me to generate a pin so I could use my card to get cash back, as well as purchase goods and services.Today out of the blue, they blocked access to my card online. When I tried to use the card in a store, it was declined. I called customer service. They said you need to fax in identifying documents. I have about {$50.00} on the card and I was supposed to receive the {$40.00} bonus they have promoted around now. I asked her why they blocked access to my account online, she did not answer. I asked her will I need to send this document every month. She hung up on me. 
They have no email, only means of communication is fax.They pretty much make it so that no one can reach them.They are trying to steal my {$50.00} as well as not honor the promo they promised. 
Request you to please help. I have written proof of the promo as well as proof I sent the documents last month and receipts to prove I was successfully using the card last XXXX weeks. I have no access to my account. Not only can I not use my money right now, I am also not able to log in to my account anymore. The last time when they blocked my account ( 2 times ), I was able to access the account.This time, out of the blue, they locked me out of my account without providing any notice or any reason over mail or email or phone. 
Please help. They are clearly in the business of stealing money. 

Their agents hang up on you if you ask " why can't I use my card? ". This can not be legal. This has happened the third time.I do not know what additional document they want me to send them. They are going to withhold my money and deduct account fees each month and exhaust my money. This is their plan and never pay me the extra {$40.00}. This can not be legal.I can provide every identity document, I have provided what they asked for and everything was working fine. They blocked it today on the 20 because they figured I could take all the money and close the account. Today is the day they were supposed to credit my {$40.00} bonus ( I have proof they offered such a promo ) and also today is they deduct the account fees.Please please please help.
Consumer complaint received 2018-12-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I currently have several issues with my Capital One credit card. 
On XX/XX/2018 I made a purchase for flight to XXXX which cost {$400.00}. I later cancelled the flight on the same day, within the 24hr allowed for cancellations. 
XXXX the company I used to make the purchase, first stated they would refund the {$400.00}, but a few days later when I checked my account to see if they had done so. the charge was still on my card. I called XXXX to find out what happened and they were refusing to refund me the money. 
I then called my Capital One credit card provider to file a complaint, and explained to them what happened. Capital One issued a provisional credit to me in the amount of {$400.00}, and then conducted there own investigation, no money, just a provisional credit in lieu of investigative results. 
By XXXX, I believe Capital One credit card mailed me a letter stating XXXX had agreed to refund me back the {$400.00} and such being the case, the provisional credit they issued would stand. 
I just recently went to pay my bill yesterday, XX/XX/2018, and saw posted to my account as a " rebill '' from Capital One for the same {$400.00}. 
Today I went to pay my bill and called Capital one to find out the reason for this {$400.00} and was told something that makes no sense, and I believe the company has now billed me twice. 
I called XXXX on XX/XX/2018 and asked them to find out what happened with my account for the disputed {$400.00}. I was told by representative XXXX, that on XX/XX/2018, they, XXXX had agreed to refund the amount back to my card. He also stated the {$400.00} had posted on XX/XX/2018 back to my Capital One account.. 
At this time whatever provisional credit issued by Capital One, should have been replaced by the refund, resulting in a net zero sum. 
Capital One issued a " credit '' not any money and if they issued money, I ask them to do a debt validation of such. 
Secondly, on XX/XX/2018 I made a purchase from a XXXX company in the amount of XXXX XXXX dollars. XXXX XXXX rate for that date was XXXX XXXX to $ XXXX which would translate to {$2200.00} ( XXXX ). 
Capital One instead has charged me a total of {$2200.00}, {$26.00} dollars above the amount I was billed. 
I also have an email, I just found from Capital One and it has an amount for the the XX/XX/2018 purchase, and although it is lower than what they reported on my account, it is still more than it should be, {$2200.00}. 

XXXX the representative I spoke to at Capital One told me the reason they came up with the amount was due to the XXXX money being more than the US at a rate of XXXX to $ XXXX, this of course makes no sense as US currency is more than XXXX. I requested she send me an accounting of this and she stated they could not. 
I believe I am being defrauded by Capital One and need to have this matter resolved.
Consumer complaint received 2018-12-20
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. (WI)

I contacted all three credit bureau via certified mail to have this hard inquiry from XXXX XXXX XXXX XX/XX/18 and XX/XX/18 investigated/ removed from.my credit reports. It has been 30 days and I haven't heard anything about my request, which violates the FCRA laws that protect consumers and States that the bureaus is to report accurate information and respond to disputes in a timely manner. This hard inquiry has affected my credit score and caused me hardship and stress because I was looking to purchase a home for my XXXX kids. I have been denied credit and home loans due to my credit score decrease
Consumer complaint received 2022-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MI)

( XXXX ) XXXX  XXXX bankruptcy dated XX/XX/2019 and XX/XX/2019 are reporting on my credit report and should not. I asked the bankruptcy court to withdraw these after speaking with an attorney. This credit bureau has neglected to properly investigate these items and refuse to remove these inaccurate public records that is tarnishing my credit report. I am including information that shows these public records were terminated/vacated AFTER being dismissed, therefore should not be reporting on my credit report.
Consumer complaint received 2021-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (NC)

I have filed a complaints against Mays for reporting a account on my credit file that is not mine. They responded with generic information and provided an email as confirmation of the debt. That email isn't even mine! I have received calls from Macys as well and the information they have on file is not mine either! when i tell them it is not my social they have on file they say ok and they will remove me from the collections list and the next day i will get the same phone call from another representative. This debt is not mine!! I need more proof, a signed contract with my information on it. If they can not be provide this information then i need the account removed from my credit file!!!
Consumer complaint received 2018-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (WI)

I contacted all three credit bureau via certified mail to have this hard inquiry from XXXX XXXX XXXX XX/XX/18 and XX/XX/18 investigated/ removed from.my credit reports. It has been 30 days and I haven't heard anything about my request, which violates the FCRA laws that protect consumers and States that the bureaus is to report accurate information and respond to disputes in a timely manner. This hard inquiry has affected my credit score and caused me hardship and stress because I was looking to purchase a home for my XXXX kids. I have been denied credit and home loans due to my credit score decrease
Consumer complaint received 2018-12-20
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. (WI)

I contacted all three credit bureau via certified mail to have this hard inquiry from XXXX XXXX XXXX XX/XX/18 and XX/XX/18 investigated/ removed from.my credit reports. It has been 30 days and I haven't heard anything about my request, which violates the FCRA laws that protect consumers and States that the bureaus is to report accurate information and respond to disputes in a timely manner. This hard inquiry has affected my credit score and caused me hardship and stress because I was looking to purchase a home for my XXXX kids. I have been denied credit and home loans due to my credit score decrease
Consumer complaint received 2022-01-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

I AM WRITING TO DELETE THE FOLLOWING INFORMATION N MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.
Consumer complaint received 2022-04-12
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: HYUNDAI CAPITAL AMERICA (IL)

XX/XX/XXXX I went to XXXX Kia and purchased a XXXX Kia XXXX. 

I am the original creditor pursuant 15b USC 1602 ( g ), on the day in question I extended credit to the dealership, making me the originator.

The existing device used for credit in this transaction to secure money/loan was my social security card, ACCORDING to 15 USC 1602 ( l ) the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

I the consumer was asked to make a down payment to secure the loan/line of credit, the amount I was asked for was {$2000.00}. The documentary evidence will show that there is a finance charge attached to the loan. Pursuant 15 USC 1605 Determination of finance charge, " the finance charge is the sum of all charges ; the finance charge does not include charges of a type payable in a comparable cash transaction. '' Because I used my social security card which is a credit card, defined by federal law. This transaction is deemed a credit transaction by federal consumer law and I didn't need cash ( {$2000.00} down payment ) to secure this transaction. 

The term " credit '' means the right granted by the creditor to a debtor to defer payment of debt or to incur debt and defer its payment, pursuant 15 USC 1602 ( f ). The definition clearly states credit is my right, so to be told I needed cash in a credit transaction was false and misleading to me the consumer. 

I demand the money be returned to me immediately.
Consumer complaint received 2022-04-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (CT)

I had a {$1000.00} limit on a synchrony XXXX for about a year. I was surprised they approved me due to credit score issues. However, I used the card during the pandemic to stay afloat and made sure to make EVERY payment on time and often made more than the minimum. I was able to pay it off completely and was so proud of myself. About a month after I paid it off, I received a letter stating they were closing my account. I was a good client. There has been no change in my credit history or housing situation. The letter is non specific and when I called to inquire, the rep couldnt help me. If this is how synchrony bank treats its good paying clients, I want no part of their bank. I think its horrible that the punishment I received for paying it off is a closed account which will further damage my credit history. I wish I never dealt with them at all.
Consumer complaint received 2021-05-18
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-01-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (IL)

My account was closed by Chime XX/XX/2020 i have reached out to them several times about them sending my money after the account closed. The total amount in the account is {$4500.00} i was told 2 months ago that i would receive the money within a week. After that week passed i reached out to them again no response and Ive been getting the run around
Consumer complaint received 2022-04-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In accordance with the Fair Reporting act XXXX XXXX XXXX accountNumber XXXX has violated my rights. 

Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX 15 U.S. 1681 section 602 A. States I have a right to privacy.

15 U.S.C. 1681 Section 604 A. Section 2 : It also states a consumer reportingagency can not furnish a account without my written instructions
Consumer complaint received 2021-05-18
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: Experian Information Solutions Inc. (TX)

I have contacted all three credit agencies. They are in possession of the original police report, notarized FTC identity theft documentation ( XXXX ) and they are now have the most recent police report ( that the local PD said I should not be subject to filing ) along with the required FTC report for XXXX XXXX XXXX. Prior to XX/XX/XXXX there was no address of XXXX XXXX listed on my credit report. I have never lived there, never authorized any one to use my name to live at said address. This erroneous address and file continue to victimize me and my credit. I have been told that I need to provide ID to block said FRAUD. Why would I need to provide ID to either the Credit agencies whom will pass this information over to any reporting agency asking for it and allow them to validate a debt that is not mine. IT IS FRAUD for the credit companies to create this monetary reporting systems and they are apart of the reporting error. XXXX does not show the collection on my credit report from my login portal. However on yesterday XX/XX/XXXX when I called the representative verified there was a collection however it was not visible to me. I requested to dispute the information. he confirmed they had the police report etc. XXXX XXXX Systems is being assisted by the credit agency to ruin my stellar payment history and rating. Experian, XXXX & XXXX has continued to ask for PHOTO ID, pay stubs, insurance card and a list of others things to so called verify identity. There is a small disclosure that states " the information provided to Credit reporting agencies will be shared with the collections agency. '' According to the Dept of Justice there are some practices here that are not being governed and allowed to continue without the companies being held accountable