davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-17
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (NC)

I was at XXXX XXXX XXXX XXXX and the address is XXXX XXXX  XXXX XXXX XXXX XXXX XXXX. I was in there for 2 months between XX/XX/XXXX in till XX/XX/XXXX for XXXX  XXXX. All my stuff got lost at hospital so I had to have a new debit card sent to me and I bank with XXXX  XXXX Account by XXXX. I opened this account in XXXX at Ace Cash Checking ( XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ). So the day I was discharged from hospital I called from the hospital to activate my new card and they red flagged me because I didn't call from my cell phone that was associated with my account because my cell phone was broke. So I had nothing on me and had to get my mother in law to buy me a train ticket and friend to buy me a new phone. Even when I called from my number associated they blocked my account. I answered all security questions correctly and they still wouldn't unblock my account. The train ticket was so I could get home to XXXX NC. I arrived home on XX/XX/XXXX and went to Ace Cash Checking to withdraw my money on XX/XX/XXXX. I was told they couldn't because of the block and I decided to close that account and open a new one and the manager XXXX at Ace told me to just close my account and they would send me a check. However I was told they could only send me a check through the mail even though I have a verified new account with them. Then after 3 weeks of waiting for my check I was informed they needed my birth certificate, social security card, and State ID. So I ordered a new birth certificate and all DMVS in NC are by appointment only. But I already had a photocopy of previous ID and social security card. So once I got my birth certificate on XX/XX/XXXX I sent them an email with these XXXX things and they said they need an ID that is active but I have everything else and even a new account with them but they refuse to release my money which is in the amount of {$2600.00}. So I am asking for help in getting my money.
Consumer complaint received 2022-08-12
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: NAVY FEDERAL CREDIT UNION (FL)

XX/XX/XXXX a business partner stole my Navy Federal credit union credit card and made $ XXXX in unauthorized charges buying a truckload of inventory for her personal store. 
I contacted Navy Federal as soon as I found out. They said I didn't report the fraud in time. I filed a lawsuit against the person and won. But she can't/had n't made any payments. 
XX/XX/XXXX I contacted Navy Federal to once again try to be covered by my fraud protection now that I have a court order showing they were not my charges. Once again Navy Federal didnt care, and I'm still stuck paying {$300.00} a month on a card I didn't use. 
Navy Federal did how ever offer a payment reduction plan which I agreed to on all 3 of my cards. 
I had to do an application for all 3 cards which was time consuming and I was instructed not to make any payments until the application was approved which could be up to 30 days. 
Not even a week after applying Navy Federal collections department took payments from my savings account. I wasn't on ach and they hadn't contacted me that they were going to do this. I called the bank they apologized and v refunded the money. The payments caused the applications for my payment reduction to be thrown out the system. I had to reapply again. 
A week later... Same thing happened but on top of cancelling the apps and taking my money they reported all 3 cards 30 days late! During my 7 unit income property being refinanced. My score dropped over 80 points and I was denied a refinance..I spent hours on the phone the last 3 months with supervisors who promised to fix them. Now 6 months later they still haven't fixed anything. 
So I emailed 8 corporate officers including Navy Federal credit union legal team .. Not one person has called. except the cc collections people ... .I now have less then 2 months to save my life and refinance my only income over a banking error that the bank promised to fix but has not.. Causing me great stress, lose of sleep, little appetite, XXXX and more.
Consumer complaint received 2020-10-26
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

This letter is a formal request to remove unauthorized inquiries from my credit report. I havent applied for credit because I know my credit is not good due to false and wrong information on my report. I have also never had an account with you.
Consumer complaint received 2015-06-29
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I was recently in the market for apartments. i scheduled a showing with a local real estate agent for a local home that was for rent. the agent stated that i would need to fill out a form prior to the showing. i asked the agent if this information would be used to pull my credit report. the agent " XXXX XXXX '' assured me that the information would not be used to pull my credit or affect my credit in anyway and that the form was purely for internal agency metrics. under this guise i filled out the form. in the last week i have been trying to obtain a vehicle loan because my current car was totaled in a accident and i am currently without a car. various banks and loan companies are unable to offer me a reasonable interest rate for a vehicle loan due to the unauthorized " hard inquiry '' placed on my credit report by XXXX XXXX. the way the inquiry is coded on my report makes it appear as if i was seeking credit to any prospective lenders. this inquiry was unauthorized by me and XXXX XXXX had no " permissible purpose '' to place a hard inquiry on my report. I have attempted to dispute this inquiry with XXXX XXXX to no avail via e-mail social media and US Certified Mail. additionally i have opened a dispute with TransUnion and they replied that the real estate agency had " Permissible Purpose '' to pull my report despite me never consenting to any kind of credit pull let alone authorizing a " hard inquiry '' on my file. this fraudulent inquiry is affecting my ability to obtain reasonable financing. I have been harmed as a consumer as a result of this and the agent and TransUnion are in violation of the FCRA. the CFPBs assistance is requested in this matter.
Consumer complaint received 2020-12-08
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: T.S. Holdings (CA)

On XX/XX/XXXX I received three calls from a company claiming to be debt collectors. 
The first call was at XXXX, second call XXXX, and third call at XXXX. ( California time ) They insisted I pay {$800.00} upfront and give my debt card information over the phone. 
I told them I dont mind sending a cashiers check, but they said I can not do that. 
I spoke to their female Manger and she mentioned my debt was {$700.00} ... Which is a different amount that was said prior. 

I call them at XXXX and ask them to send me a validation letter in the mail, but the guy says they can not do that and if I dont pay today, they will charge me 7 % everyday of interest. 
I told the guy I was at work and didnt have a card on me, and he rudely says who doesnt take their wallet to work .. then I tel him I have XXXX XXXX ( only works in stores ) and he starts listing companies Ive never used before. 

I would love to pay debts correctly, but this seems like a scam.
Consumer complaint received 2024-02-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I trust this letter finds you well. I am writing to address the late payments reported on my credit file linked to my XXXX  XXXX XXXX account ( Account Number : XXXX ), specifically for XX/XX/scrub>XXXX  2019.
Consumer complaint received 2020-10-26
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

I received a letter from HSBC US about my two accounts there, one is a savings account and the other a checking. They are saying they will shut down my account if I don't take action. 

They gave me 3 options to keep the account open. 1 ) Do a transaction, 2 ) call them, 3 ) provide a notarized signature. 

3 ) is prohibitive for me to do 2 ) I tried to do at least 4 times, wasting at least 1.5 hours trying to get someone to answer my question on how to keep the account open. After getting flipped to multiple reps on each call and no one having a good idea of how to resolve this, I eventually gave up on this path. At least 1 time, I got hung up on after being on hold for 20 minutes.

1 ) I tried to do a transaction via their web portal, but they froze me out and asked me to call them. Which I obviously tried to do in 2 ) and was unable to get anywhere after 1.5 hours.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-02-02
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: Experian Information Solutions Inc. (CA)

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXXXXXX Balance : {$1000.00} ; XXXX  XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2021-05-01
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: TOYOTA MOTOR CREDIT CORPORATION (MD)

In XXXX of XXXX my wife and i found out that the XXXX XXXX had a engine in the vehicle that didnt belong.We found that the dealership or the previous owner had somehow placed either an XXXX or XXXX XXXX XXXX XXXX  into the XXXX XXXX XXXX.The vehicle in which my wife and i had purchased in XXXX.When we brought too the manager attention at the XXXX location.Was told too go too the XXXX location XXXX XXXX was the contact person that we meet with.My wife and i were told not too worry and that they XXXX XXXX was going too take care of us.Also pay of the remaining balance.Then instructed us too follow them too the financial Dept.All was paperless in which no numbers were displayed also the gentleman in the financial office stated that we didnt have too worry.About repairs of any engine nor electrical free of charge.All we need too do is just drive and change the tires when needed.That we were covered 5 years on the engine and 3 years on electrical components my wife and I received a flash drive of what was completed.The XXXX  XXXX placed us into a XXXX XXXX XXXX and charge us XXXXOn XXXX XXXX contacted XXXX XXXX XXXX XXXX and was told that we were charge XXXX roll over amount from a previous loan that my wife and i were told that they were going too take full responsibility for.Observed the dealership contacted our previous bank and paid off the faulty vehicle.Also XXXX XXXX placed over XXXX warranty amounts on top of additional XXXX XXXX XXXX my wife and i were told on XXXX XXXX was about XXXX or XXXX.Never did they mentioned that they were going too add on XXXX or lie directly too us just too complete a sale.We know for certain that we never agreed in paying double amount for any vehicle also they copy signatures and added too documents that they wanted.They planned for this the entire time also stated that we somehow agreed on what they did we would like justice thanks blessings.
Consumer complaint received 2020-10-26
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. (TX)

Ive been going over my credit report and I saw some incorrect accounts that were on there. 
I do not ever remember applying for credit with your company, so I would like to know what permissible business purpose you had for pulling my credit? 
My credit score is really being affected and its getting in the way of my financial ventures because of this. I want to dispute these account until I get to the bottom of this.
Consumer complaint received 2020-10-26
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. (TX)

Ive been going over my credit report and I saw some incorrect accounts that were on there. 
I do not ever remember applying for credit with your company, so I would like to know what permissible business purpose you had for pulling my credit? 
My credit score is really being affected and its getting in the way of my financial ventures because of this. I want to dispute these account until I get to the bottom of this.
Consumer complaint received 2020-12-08
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: CAPITAL ONE FINANCIAL CORPORATION (CO)

On XX/XX/2020, merchant XXXX erroneously charged me {$49.00} for a subscription that was cancelled in XXXX. I contacted Capital One to request a refund. Capital One initially processed a refund, then reinstated the charge after receiving a response from XXXX  that it was a store credit and that they had not received my cancellation request. Capital one then asked me to submit a response, which I did on XX/XX/2020 explaining the circumstances under which I'd cancelled the subscription service. 

To summarize, XXXX claimed I never cancelled, even though I did. Looking at their complaint history on the XXXX XXXX XXXX, they have literally hundreds of complaints in recent months of people having the same issue : being charged even though they cancelled, and XXXX claiming they never received a cancellation. 

Additionally, as further proof that XXXX did indeed receive my cancellation, I did not receive a monthly newsletter from them at the beginning of the month in XXXX as I usually did. That's because I cancelled my subscription. I did however get a notice from them approximately 10 days after the monthly newsletter is supposed to go out that they charged my credit card. 

After complaining to the XXXX, XXXX responded that because of the chargeback to Capital One, they have now refunded me in full. On XX/XX/2020 they wrote : " After reviewing your account, I do see a chargeback has been filed with your financial institution. Please contact your bank, as those funds now lies with your bank. '' Even though the merchant is now agreeing with me that they owe me a refund and that the refund has been processed, Capital One refuses to refund me. 

I have been charged {$49.00} erroneously, and I would like this fee along with any interest charged on this fee refunded to me as soon as possible. 

I have attached the " Download Complaint Form '' text document which is a printout from the XXXX  website, and I have also attached a screen capture ( " XXXX '' ) from the XXXX  website. Additionally, I've included a copy of my XX/XX/XXXX letter that I sent to Capital One ( " XXXX '' ) disputing their decision to reinstate the erroneous charge.
Consumer complaint received 2016-09-01
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: ALLY FINANCIAL INC. (OH)

I paid off my loan with ally bank back in XXXX. I cancelled my XXXX insurance, and the dealer sent it to ally bank on XXXX XXXX, 2016. I called Ally bank customer service in the XXXX spoke to XXXX. She stated thearlier check was cashed on XXXX XXXX. First off, my loan was paid off. Ally had no reason to cash this check when the account was ahd has been paid off. Then she proceeded to say I have to wait 10 business days for that check to clear. Then, I have to wait an additional XXXX to 5 days to mail it. Meanwhile ally earns interest on my money. Ally stated they endorsed the check that had my name on it as well. Ally had no right to cash a check that did n't belong to them at all. I tried speaking to a supervisor but of course I was told XXXX to 72 hours before I would be able to talk with someone. My question is why would they cash my check when the balance is zero and then hold my check until 15 days? I 'm not really happy with them and cashing of my check they could have returned it or signed off on it and sent it to me to worry about a dealership check clearing. Not to mention checks clear now within XXXX to 2 business days due to check XXXX when that took place. Meanwhile, I 'm the one who is waiting for my check that I 'm entitled to especially when there is no Balance and my account was closed. Ally needs to be taught business practices and to stop this way of doing business .. I paid my car payments on time and I did n't make them wait to talk to me at any point. I 'm sick of these big companies taking advantage of us consumers.
Consumer complaint received 2022-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TN)

I sent my letter off on XXXX XXXX. I told the credit bureaus to " investigate EVERY piece of information '' on the accounts I have listed below. I stated 15 USC 1681 andAlso, I have attached tracking info XXXX 
According to the FRCA, the term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living, is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on, or with others with whom he is acquainted or whom may have knowledge concerning any such items of information. 

They stated my account was verified nut how is that possible if they did not do a proper investigation according to the law? Also, every piece of information on these accounts are still not reporting 100 % accurate and according to the FRCA USC 1681, everything has to be 100 % accurate. I have the credit report showing the inaccuracies. 

Accounts : XXXX XXXX  -Acct # XXXX XXXXXXXX XXXX- Acct # XXXX XXXXXXXX XXXX XXXX - Acct # XXXX XXXX Acct XXXX XXXX XXXX. XXXX XXXX Acct # XXXX XXXX # XXXX XXXX. XXXX XXXX Acct # XXXX XXXXXXXX XXXX Acct # XXXX XXXX. XXXX XXXX Acct # XXXX
Consumer complaint received 2022-04-07
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lien Enforcement Inc (CA)

On XX/XX/XXXX, I received a collection notice from Lien Enforcement Inc. for Tow and Storage fees incurred in late XXXX on a car donated to a California charity in XXXX. I responded to the notice via certified mail that I was not liable for the debt and included a copy of the DMV release of liability dated in XXXX. The certified mailing was signed for on XX/XX/XXXX. 

On XX/XX/XXXX, I received a voicemail requesting that I contact Lien Enforcement Inc. On XX/XX/XXXX, I received a second voicemail from Lien Enforcement Inc the agent left the name XXXX XXXX XXXX I called back and had a conversation with XXXX XXXX. During this conversation I stated that I was not liable for the debt and had sent evidence of that via certified mail. During this conversation XXXX XXXX stated that I was liable because I had failed to provide a smog certificate as required under CA XXXX XXXX Section XXXX. This is a false statement as the vehicle was transferred to an entity exempt from the provisions of section XXXX as part of a charitable donation. He also stated that it was fortunate that this matter was not yet in court and that it " had not yet impacted my credit. '' He went on to state that he might be able to work with his boss to reduce the amount owed. He offered to send me documents in his possession that showed that I was liable for the debt. I agreed that he should send me these documents via certified mail to my home. I also stated that any further communication should be by mail only. I restated that I was not liable for the debt before hanging up. 

I appreciate any assistance in resolving this issue on a debt that is not mine.
Consumer complaint received 2019-03-09
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A. (CA)

HOME DEPOT XXXX XXXX XXXX XXXX, AZ XXXX TODAY I TRIED TO CALL TO MAKE MY REGULAR MONTHLY PAYMENT BY PHONE, THERE AUTOMATED SYSTEM IS NOT ACCURATE, MY BILLING STATEMENT STATES FOR THE MONTH OF XX/XX/2019 THAT I AM NOT PAST DUE, AND THE PHONE AUTOMATED SYSTEM WOULD NOT ACCEPT THE MINIMUM PAYMENT OF {$69.00} I HAD TO SUBMIT A LARGER AMOUNT TO BE ACCEPTED FOR PAYMENT {$75.00}. I ALSO, TRIED TO EXPLAIN BY PHONE TO THEIR CUSTOMER SERVICE, I GET NOTHING HELPFUL JUST LIES AND EXCUSES, I DO NOT HAVE TO BE A PRIMARY CARD HOLDER TO ACCESS THE ACCOUNT, I AM A CARD HOLDER, THE SPOUSE WHO PAYS THE BILL, AND HE TOLD ME HE HAD TO SPEAK WITH THE PRIMARY CARD HOLDER, TO CHANGE MY SECURITY QUESTIONS AND OR ANSWERS TO PAY THE BILL ONLINE MYSELF, I ASK TO BE TRANSFER TO THE TECHNICAL DEPARTMENT AND I WAS TOLD I HAD TO GIVE THE LAST FOUR NOS. OF THE PRIMARY CARD HOLDER TO GET THE CALL TRANSFER, AND THEN IF I AM ON THE SPEAKER PHONE, THEY GET OFFENDED, MY A LOUD TONE OF VOICE, THEY ARE JUST XXXX.
Consumer complaint received 2020-10-26
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. (FL)

THE DISPUTED ACCOUNT HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THIS ACCOUNT REMOVE OFF MY CREDIT. THE ACCOUNT IS A CLOSED ACCOUNT XXXX HAS BEEN PAID FOR IN A SETTLEMENT AGREEMENT. FOR YOUR CONVENIENCE, I HAVE ATTACHED A LETTER SHOWING PROOF OF THE AGREEMENT.
Consumer complaint received 2020-04-24
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: Midwest Recovery Systems (ME)

This is NOT a duplicate complaint. 

I received a call from Midwest recovery systems in regards to a payday loan I allegedly received in 2013. Company stated account will not be reported to credit bureau. I received notification it is reporting to my credit files. Also, the alleged date is from 2013, and the state of Maine only allow credit items to report for six years.