davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Good morning, I made a reservation at the XXXX XXXX XXXX XXXX XXXX ( details below ) and used my capital one card ending in XXXX for the deposit of {XXXX}. The deposit was to return to my account in 3-5 business days and never occurred. I called the hotel multiple times and said I had to contact my bank. I then filled a claim with capital one which was later denied due to documentation the hotel had provided. 


XXXX XXXX XXXX XXXX XX/XX/XXXX Check in XX/XX/XXXX, XXXX XXXX  Check out XX/XX/XXXX Duration of stay 1 night Address XXXX XXXX XXXX XXXX, XXXX, NY XXXX, XXXX Phone number XXXX XXXX Confirmation number XXXX There is no valid documentation, I paid for my reservation online, no room service at the time due to covid-19 and they never filled a claim for damages made in the room. 

My bank statement shows three transactions posted : XX/XX/XXXX XXXX XXXX XXXX Purchase - {XXXX} XX/XX/XXXX XXXX XXXX XXXX - XXXX XXXX XXXX Provisional Credit + {XXXX} XX/XX/XXXX Icon Dispute Credit Reversal - XXXX XXXX XXXX Dispute Credit Reversal - {XXXX} Today on XX/XX/21 I called my bank again and they informed me once a case was closed there was nothing else to be done. 

I called they hotel and they wouldn't tell me when a manager would be available and transferred me to customer care.
Consumer complaint received 2018-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MI)

I have a bankruptcy that does not belong to me. I have tried to dispute and remove the bankruptcy with all three of the credit bureaus. They have told me the information has been verified. I have PROOF that the Bankruptcy Courts have not verified anything, and that this lawfully should be removed.
Consumer complaint received 2022-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

On XX/XX/XXXX, I disputed an account on my credit report ( XXXX XXXX XXXX XXXX to TransUnion, XXXX and XXXX. I did get a response stating that the account was deleted. I disputed this account and duplicate account on XX/XX/XXXX and still did not get a response. I also asked for this account to be reinvestigated within 30 days. As of today XX/XX/XXXX, this same account has reappeared on my credit report when it was previously deleted. I have had this happened to me numerous of times with other accounts I have been disputing over the months as well far as renaming the account but still using the same account number for the account that was already removed as well. Please delete this account, ( XXXX XXXX XXXX XXXX from my credit report immediately and permanently. This account has not been resolved in over 90 days from my very first dispute.
Consumer complaint received 2022-02-23
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. (CA)

There are numerous account and inquiries that are not mine and were not authorized. I've attached the FTC report and have sent numerous letters to XXXX, Experian and XXXX to no avail.
Consumer complaint received 2018-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NV)

XXXX continues to report my information to the credit buro as Foreclosure proceedings started to Experian into the month of XXXX. 

I sent a letter to the credit buro asking for recognition of foreclosure rescinded, including court print out and this has been ignored and XXXX has confirmed inaccurate information bringing yet further damages to my well being and financial situation.
Consumer complaint received 2018-08-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Riverwalk Financial Corporation (FL)

Was adv by cfpb a few months back that this reporting would be removed in 60 days if communication was not heard from the original company. I have not received any type of communication mail or phone from this company and has never heard of them before or after the complaint.
Consumer complaint received 2023-08-23
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (NY)

This account is inaccurately reported as opened in XX/XX/2002 on my credit report. There is also conflicting account information & status. I have asked repeatedly for specific account info including payoff balance & any & all information to be sent to MY home address. Fay refuses to comply with my requests. I believe it is the lender responsibility to provide me with timely & correct information on this account. My sole source of information comes through disputes & credit reports. I have repeatedly stated that I want to assume full responsibility for this loan & to protect my personal credit.
Consumer complaint received 2022-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

There are numerous account and inquiries that are not mine and were not authorized. I've attached the FTC report and have sent numerous letters to XXXX, XXXX and Transunion to no avail.
Consumer complaint received 2018-08-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (SC)

Since the beginning of XXXX, Santander has disabled my online account so I am unable to see the amount I owe, make a payment, request a payoff, and any other action that I need and or want to take with my loan. They are trying to force me to pay using one of the methods where they charge clients to make a payment, The practice of charging consumers, who are struggling to make their payments and meet their bills, to pay their bill is despicable and wrong. 

I have not missed a payment or been late. Yet they have shut down my account to force me to do something I have not agreed to do.
Consumer complaint received 2021-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A. (NC)

I pay my bills by checks monthly when I receive the statements in the mail. In XXXX when I got my statement for this credit card it said I had missed XXXX payment so I called and paid over the phone and got it straightened out. I never received the XXXX statement in the mail, I guess the post office is overworked right now like everyone else. I realize its my responsibility to make sure my bills are paid every month and I have been a loyal customer with them for many years with NO late payments. When I called them and told them what happened he dropped the late fee but I later discovered my credit limit had dropped by {$6000.00}! And that affected my credit score. 
In XXXX they again tried to say I missed a payment when I called to see why it hadnt posted yet and they said they had not received it. I told them I had mailed the check on time, but to avoid any trouble I paid it over the phone and cancelled the check. The very next day I got a text that they had received the check. I can not control the US Post Office or the lack of employees to do the jobs at the credit card company. Its just a little weird that this is the ONLY CREDIT CARD I own that is having these issues. 
What is happening?? 
I have tolerated the lower credit score and credit limit but to increase my interest rate from 13 % to 29.84 %?? 
I dont think so.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Dear Transunion, I am writing to dispute the following information that appears on my Transunion report from XX/XX/XXXX : Inquiry from XXXX XXXXXXXX on XX/XX/XXXX. 
I am a victim of identity theft and I never authorized this inquiry. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
I am a victim of identity theft and I never authorized this inquiry. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 
Inquiry from XXXX on XX/XX/XXXX. 
I am a victim of identity theft and I never authorized this inquiry. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
I am a victim of identity theft and I never authorized this inquiry. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
I am a victim of identity theft and I never authorized this inquiry. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX on XX/XX/XXXX. 
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 
Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. 
I personally signed and sent this letter. 
Sincerely, XXXX XXXX FTC Report Number XXXX
Consumer complaint received 2021-06-12
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Service Finance Holdings, LLC (MI)

It started when the credit was submitted. I received a letter that a charged amount of {$10000.00} had been placed and please cal to confirm work was done. This financing was through a home repair company XXXX XXXX. I called to informed them that my contract for work was for {$10000.00}. They told me that I would have to deal with XXXX XXXX directly they could not help me. All point gave me a {$100.00} gift card that was promised to me 3 times in the duration of the work. 

XXXX XXXX sent a statement monthly without indicating past payments, interest, or reflecting any activity on the account. I called them, and they said that they didn't have to provide that information I should keep track of my own records. After paying above minimum payments for month, and noticing higher interest than I expected I decided to pay this loan a different way. 

I took the statement to my credit union and used a person loan from there to pay in full. The statement shows a balance of {$9000.00}, that is what my bank sent. Now I receive yet another statement that I still owe {$110.00}. I don't understand this billing process, and feel they hide information that is supposed to be provided to borrows. When you call they are very rude, can not explain to you activity or finance fees. 

According to their statements I paid about {$500.00} interest on this loan over a 5 month period on a loan with 6.99 % interest. I do not understand this math. I will never borrow from them again. I hope that someone looks into this and holds this company accountable.
Consumer complaint received 2021-06-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TD BANK US HOLDING COMPANY (IL)

I paid this debt off over a year ago and was promised that it would be taken off my credit report and yet as I go through all of my credit reports, I notice this sill reads as Resolving & Deragtory. Essentially showing that I've yet to take care of this account, but it was settled over a year ago.
Consumer complaint received 2023-08-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (AZ)

WITH NO PRIOR NOTICE : Chase displays a screen, upon login, that requires customer to 'accept ' both a 125-page Digital Service Agreement ( DSA ) and a 11-page E-sign authorization. ... and NO option to NOT accept it. All access to the accounts is blocked, immediately. When contacting the CS department, they concur; agree or no access.

Regardless what the 125-pages say, there is NO WAY it should be legal for them to block access to our funds/ their services without warning and options to react to their intent. Some of us have Bill-pay and other systems we need to work to meet our obligations. 

The 125-page DSA is , simply, a " We are not responsible for anything and can do anything we want, monitoring, changing global vendors who collect and monitor your personal info, etc. etc etc. ) ''. While I MAY understand parts, it is not something one should take lightly in accepting. 

To not provide the option to 'reject ' this DSA ( and maybe not use some of their services, but retain account access, etc. ) should be illegal. OPT IN was, per my understanding of FCRA, never to be the default or requirement for legal notice. And NOTICE was always required.. 

CLosing the account ( s ) is an option that I may pursue... but I have to 'accept ' in order to meet my monthly billpay requirements. This is holding consumers hostage and should be illegal ....

Shame on Chase. I'm sorry they got burnt, but this is NOT the way to fix it, IMHO ....
Consumer complaint received 2022-02-23
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. (NY)

XXXX XXXX, Account number XXXX, date opened XX/XX/XXXX, Amount XXXX, This account was opened fraudulently, I contacted the company and company refused to remove this from my account and it is still trying to hold me responsible. XXXX XXXX account number XXXX, date opened XX/XX/XXXX, XXXX XXXX, This account was opened fraudulently.I contacted the company and company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX, account number XXXX, date opened XX/XX/XXXX, Amount XXXX,. This account was opened fraudulently, I contacted the company and company refused to remove this from my account and is still holding me responsible, XXXX account number XXXX, date opened XX/XX/XXXX, amount XXXX. This account was opened fraudulently, I contacted the company and company refused to remove this from my account and is still holding me responsible, XXXX XXXX, account number XXXX, date opened XX/XX/XXXX, amount XXXX. This account was opened fraudulently, I contacted the company and company refused to remove this from my account and is still trying to hold me responsible, XXXX XXXX, account number XXXX, date opened XX/XX/XXXX, amount XXXX,. This account was opened fraudulently. I contacted the company and company refused to remove this from my account and is still holding me responsible. XXXX XXXX account number XXXX, date opened XX/XX/XXXX, amount XXXX. This account was opened fraudulently. I contacted the company and the company refused to remove this from my account and is still trying to hold me responsible.
Consumer complaint received 2022-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MO)

On XX/XX/XXXX, I disputed an account on my credit report ( XXXX XXXX XXXX XXXX CA ) to XXXX, Experian and XXXX. I did receive a response on XX/XX/XXXX stating that the account was deleted. As of today XX/XX/XXXX, this same account has reappeared on my credit report when it was previous deleted. I have had this happened to me numerous of times with other accounts I have been disputing over the months as well far as renaming the account but still using the same account number for the account that was already removed as well. Please delete this account, ( XXXX XXXX XXXX XXXX CA ) from my credit report immediately and permanently. This account has not been resolved in over 90 days from my very first dispute.
Consumer complaint received 2022-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

Hi I am XXXX XXXX submitting this without any influence and this is not a third party. 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-10-15
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: Early Warning Services, LLC (NJ)

It has taking about two weeks to finally receive a copy of my consumer report from Early Warning. I looked over the report and saw that there are two inaccurate accounts being reported on the consumer report and there are a large amount of inquiries from various banks. Two years ago I asked them to put a freeze and a security freeze on my consumer report to stop this but apparently they didn't abide by my wishes and I again have fraudulent reports on my consumer report. I sent in a dispute on XX/XX/19 and today XX/XX/19 I received a letter from Early warning stating that the dispute that I sent over will not be recognize as a dispute because each item you dispute must have a seperate dispute letter. I am livid because it is always something with this place that keeps you from being able to dispute or obtain your consumer report in timely manner and also in the manner that you want to receive like via email. Please just remove the two items that I requested to be removed and put the alert on the report and stop with all the deflections and nonsense.
Consumer complaint received 2018-08-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

XXXX has been non-compliant with removing the unverified account CAPITAL ONE BANK USA which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that CAPITAL ONE BANK USAwas not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2018-08-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

XXXX has been non-compliant with removing the unverified account CAPITAL ONE BANK USA which has been deleted by XXXX and XXXX. XXXX  and XXXX  have both completed their research and determined that CAPITAL ONE BANK USAwas not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2023-08-19
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: TD BANK US HOLDING COMPANY (IL)

I've disputed this Target account over the past 2 years and nothing has been done to correct the issue. XXXX finally removed the account and then reinsert the account without my knowledge or notification. Target is required to provide validation to me and XXXX before an account can be reinstated and Target did not. XXXX is supposed to notify me within 5 days according to the FCRA and XXXX failed to do so. XXXX must permanently remove this account and not allow it to be reinstated. The CFPB must report Target to the FTC and hold XXXX responsible and pay me for the multiple violations. I can show proof that XXXX has allowed at least 3 violations per month for at the minimum of 2 years. The CFPB can look at the record of my complaints and documentation provided to justify my monetary judgment and XXXX refusal to pay. I was willing to settle and XXXX refusal because of the impoper investigation. I'm willing to settle for {$24000.00} which is {$2000.00} per month for a year. I could get more plus lawyer fees because the FCRA has laws and guidelines that must be followed and XXXX has violated each and every one. XXXX must be held accountable and I'm entitled to payment within 14 days and the removal of this account. Target has violated rules of the FCRA as they haven't validated this account or provided the original contract and yet the account remains. Target has continued to reage and report inaccurate information and XXXX is guilty of allowing them to continue to hurt my credit. I'll be able to show because of XXXX allowing Target to reinsert the account, reage, and report inaccurate information I was denied for a mortgage. XXXX must pay for the violations it has allowed by Target and any refusal or no payment in 14 days justifies a lawsuit and attorney fees. I've been patient and tried to settle this by filing the necessary complaints and I've yet to get my credit report corrected and the monetary money I'm owed for violations.
Consumer complaint received 2018-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Commonwealth Financial Systems, Inc. (MI)

On several occasions for the last few 3 years I have sent several attempts to the following company XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, PA XXXX requesting validation for the following account XXXX in the amount of {$630.00}. The last several attempts were made on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. No response, letter of validation or any requested information has been received as of XX/XX/XXXX. Next letter will go out on XX/XX/XXXX