davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-28
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)

I have a mortgage loan from XXXX  XXXX  XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX  XXXX  XXXX  and they said their system mistakenly put me on paperless billing after the loan was re-structured when the mortgage kept being resold, which I did not request, and it caused me multiple 30 day lates. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, TransUnion, and XXXX  XXXX  XXXX  with no successful resolution. XXXX, XXXX, and TransUnion reporting me 30 and 60 days late. There was an error on their part. I was never 30 days late twice.
Consumer complaint received 2017-08-27
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: SYNCHRONY FINANCIAL (CA)

Used my Card In XXXX, In XXXX at a XXXX XXXX XXXX  XXXX my card was accidentally left there and over the next few days my card was used without my permission and was not done by me or any of my signers, I got a email XX/XX/XXXX that a large bill was payed out from my account so I logged in and saw massive fraudulent charges on my account, So I called my walmart credit card to report it, I get back home for the XXXX and file all paperwork, They get back to me saying they are denying my claim because, POSSIBLY a signer on my account has died, That I used the card the day before the fraud happened, and that my walmart card was used at walmart ... and it was my same spending habits ... I have never used over 20 % of my credit or done like 20 transactions in just a few days! I am 100 % protected from fraud and they are not honoring that!
Consumer complaint received 2021-06-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

My Quicksilver credit card account was charged {$26.00} in interest charges when it should not have been. I paid my balance in full for several months in a row, and despite this, I was still assessed interest on the card. 

My statement was produced on XX/XX/2021 with a statement balance of {$380.00}. I subsequently made a payment of {$400.00} on XX/XX/2021, i.e. the statement balance was paid in full. My next statement was produced on XX/XX/2021, and included the above mentioned interest charge, despite satisfying the full statement balance. I called Capital One to inquire about the charge, to which they responded that it was due to a payment being returned unpaid. 

While I understand that my payment was returned, it was returned on XX/XX/2021, again, this was after the date the statement was produced. And again, I paid the statement balance in full so that I would not have an interest charge, and will pay my next statement balance in full as to not have any interest charges. 

When I called Capital One I explained why I disagreed with the interest charge assessed to my Account and asked if it could be refunded. The Agent said that it could not be, as it was a valid charge. She offered to allow me to speak with a supervisor, and I accepted. I explained a second time with the Supervisor why I disagreed with the interest charge, who then said that it could not be, as it was a valid charge. 

I stated several times that if they would not waive/refund the interest charge, then I would like my communication to be escalated and handled as a formal complaint. I asked several times who I could speak with that handles escalated complaints, such as their department who would typically receive and respond to a CFPB complaints The Supervisor didn't have any contact information for that department and could not transfer my call to that department. The only thing she offered me was a suggestion to write a letter to the corporate office, which she could not even give me an address for. I cant even say with any confidence that my call was logged as a complaint. 

To summarize, I have two complaints : 1 ) I was charged interest when I believe I should not have been, and 2 ) I believe Capital One 's formal complaint management program is not adequate, specifically because a Consumer is not able to escalate concerns of Unfair practices to a Compliance officer or similar role ( not a call center supervisor ).
Consumer complaint received 2017-10-17
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. (NY)

I attempted to open a credit card with XXXX XXXX in XXXX XXXX. When I did not receive my credit card in XXXX, I called them to ask why it had not been received. I was informed that someone had changed the name and address on the card and was using the card. I immediately told them that this was an act of fraud and it was not me. I was sent in circles for months filing complaints and filling out documents all simply saying that the credit card was never received and i never charged anything to the card. I continuously told them to cancel the card that by credit report was reflecting a delinquent account that was n't even me! They never closed the account, the account continues to accrue late fees, and they even sent me a credit card, sent to my correct address- WITH THE FRAUDULENT NAME in XXXX XXXX! My credit report has been getting hit since this whole process began, and they are absolutely impossible to work with. In XXXX, I was told to provide them with a police report and affidavit attesting to the fraud. I did all they requested, and received a response saying that the " investigation '' they conducted concluded that the account belongs to me. I call the company and am constantly rerouted and asked to provide additional documentation and fill out additional forms, and I have done so to no avail. I simply do n't know what else to do, I have never encountered such gross incompetence.
Consumer complaint received 2021-06-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (CA)

I have a old Navy credit card through synchrony bank I made a purchase of {$700.00} and payment for {$300.00} and had my account closed the next day. I called old navy and they said sorry your account closed theirs nothing we can do synchrony closed it without warning or no reason, account is in good standing and payments always on time
Consumer complaint received 2017-10-17
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (WA)

The lender never served notice to the borrower. The co Borrower and the borrower have been divorce for 5 years. The Co borrower has sent in documents asking for a modification and was just told the package was not completed. They are now claiming that the missing information is from the borrower. There was an email sent to the co-borrower on the XX/XX/XXXX. In this email there was no mention of a deadline. The co-borrower was advised the missing information was current pay stubs and banking information. After this information was put together the Co- Borrower was told they would process in 3 days- The same day when the co-borrower called again- he was told the full entire package needed to be receive 30 to 37 days before the date of the sale. 

The first company is XXXX XXXX- now there is a company called Loan Care- The main contact person XXXX has yet to reply to an email, phone call or messages. Every time we call we are told a different story. 

Also- there was a notice mailed from Loan Care- stating a payment - that was to start in XX/XX/XXXX. When asked if this was the modification- NO ONE would give us an answer. There was no indication of the loan amount- terms.. JUST a new Payment to start in XX/XX/XXXX
Consumer complaint received 2017-09-08
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. (ME)

I checked to see if I was on the equifaxbreach2017.com website, and I am. 
This is a gross mishandling of my information, I have placed trust in them to protect my personally identifiable information, and now I am at risk for Identity Theft a second time. The first time was through Office of Personnel Management.
This is bad news for myself and millions of other consumers. As a direct result, there should not be a fee, waiver or police report required to freeze my credit, and I should be able to choose how long I want to freeze it for. 

I found out about this breach through a third party, and find it incorrigible that not everyone will be notified or in a timely manner. 

Regards, One of 143,000,000+
Consumer complaint received 2021-02-01
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 (KS)

I called transunion to remove two inquiries off of my credit report and they refuse to help me. The two inquiries are fraudulently. The first one was from XXXX XXXX XXXX XXXX and the second one was from Kohls on XXXX XXXX. I really need these off my credit report with XXXX. Also I reached out to XXXX  to remove inquiry off my account and the refuse to help me as well. Its from XXXX XXXX on XXXX XXXX also was fraudulent. Can you please help me!!!!!!
Consumer complaint received 2017-09-08
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. (WI)

Equifax reported a hack. I went to their provided website and it says that my personal information is impacted by the breach. I will also be calling them to get an initial fraud freeze placed on my account.
Consumer complaint received 2017-10-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Received an unsolicited Capital One XXXX credit card bu overnight mail. The cover letter states that the card is activated. I do not want this card and demand that it be immediately " unactivated '' and cancelled.
Consumer complaint received 2017-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ID Analytics, Inc. (NJ)

I have worked hard to have a decent credit. I am young and the only negative thing in my report is two late payments. I recently got denied a car loan. Received a letter explaining why, apparently a credit rating company that I 've never heard of called XXXX XXXX gives me a rating of XXXX. Their reason " too many delinquencies ''. I 've seen many complaints for this mystery company online but I want to make sure I put my complaint in too, so this company gets taken care of ASAP.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

The credit inquiries listed are unauthorized and I have attempted multiple times to contact these companies directly to have them remove them and haven't received a response : XXXX : XXXX. XXXX XXXX XXXX : XX/XX/2022 XXXX. XXXX XXXX : XX/XX/2022 XXXX. XXXX XXXX XXXX XXXX : XX/XX/2022 XXXX. XXXX XXXX : XX/XX/2022 XXXX. XXXX XXXX XXXX XX/XX/2022 Equifax : XXXX. XXXX  XXXX : XX/XX/2022 XXXX. XXXX XXXX : XX/XX/2022 XXXX  : XXXX : XX/XX/2022
Consumer complaint received 2017-10-17
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. (MA)

Equifax was hacked after improperly protecting their security data, potentially exposing me to identity theft, and putting me on notice for the rest of my entire life that none of my personal information is secure.
Consumer complaint received 2017-09-08
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. (WA)

My SSN, DOB, full address, and potentially DL and credit card numbers were stolen from Equifax via an easily patchable security flaw, along with the information of 143 million other Americans. This is obvious negligence, and no such company should be allowed to conduct such sensitive business in the USA.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (WA)

Hello, Equifax was breached and about 143 million SSNs were stolen. I believe I am one of them.
I am filing this complaint in the hopes that they will be punished for their extreme lack of security awareness and sheer slothfulness is regards to this situation. 

Thank you.
Consumer complaint received 2021-11-25
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)

I HAVE ATTACHED HERE THE REQUIRED Identity Theft Report IN COMPLIANCE TO THE FAIR CREDIT REPORTING ACT SECTION XXXX ( b ) I demand the deletion of the fraudulent accounts and inquiries listed in the attached file below which all resulted from the Reported Incident of Identity Theft.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My consumer reports from XXXX, TransUnion, and XXXX contains information about my income within transactions of mine from the experiences I have with others which is not required to be on a consumer report. How can my private transactions appear so others can view? if these companies say they are reporting 100 % accurate and by law? I have contacted them and bought these inappropriate use of my consumer report to their attention with not avail. 

XXXX Reports containing information solely as to transactions or experiences between the consumer and the person making the report
Consumer complaint received 2017-09-08
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. ()

Equifax notified us that it is possible that our personal information had been breached. They offered a system to check to see if it indeed had been breached. My information had not, but apparently my husband 's personal information -- including credit cards and soc sec #, etc. -- was possibly breached. Equifax then offered to give him one free year of monitoring, but said that he had to waive his right to sue if their breach caused him harm and said that he 'd have to pay after one year. On top of that, it appears that the Equifax chief officers sold stock and made a large profit before informing us of this breach. This is outrageous. Equifax should have to make good any harm caused by their negligence in handling our personal information. And the officers should not profit off of this egregious negligence while millions of Americans and XXXX have had private information exposed and may suffer harm years from now because of this. Beyond disgusting and I hope the US Government goes after these guys.
Consumer complaint received 2021-02-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (MN)

I received a statement from American Express for my credit card showing a balance of {$510.00} with a closing date of XX/XX/21. A payment for {$380.00} was processed on XX/XX/21. In addition, I redeemed an rewards balance of {$120.00} on XX/XX/21. 

I received an e-mail from American Express on XX/XX/21 showing a balance of {$510.00} with a payment due XX/XX/21 and a minimum payment of XXXX. 

I logged into my American Express online account to verify that the payment and redemption had processed. The online balance showed a negative {$.00} for the account balance. 

I contacted customer service online. Two different representative insisted that I had to pay the {$120.00} because that was the statement balance after the payment. I was told that I would incur a finance charge and late fee if I didn't make the payment by XX/XX/21. 

I was also told that the rewards would process with the next statement and they would refund the payment. 

At no time was I given a reason as to why I should have to make a payment on an account with a negative balance. 

I believe that being forced to make a payment or penalized for not making a payment when the account is XXXX is a regulatory violation. I also believe that this is a result of a poorly designed process or system that allows American Express to collect customer money when it isn't due.
Consumer complaint received 2024-04-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. (OH)

On XX/XX/2024 I accidentally sent money to the wrong person using CashApp. It was for {$300.00}. Me and the recipient have gone round and and round with Cash app support but the issue was never resolved. The person I mistakenly sent the money to Cash app was locked and they couldn't send or refund the money back to me. They even tried to pull Cash out and give it to me in person. Cash app support was rude at times and would say they couldn't help with the issue further and would hang up.
Consumer complaint received 2021-02-01
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. (NY)

I would like to inform you that on On XX/XX/2020 I sent a letter stating that I found inaccurate items on my credit report. I feel I have been patient with the investigation process but it has been over 61 days and I have not received a response. Unfortunately I feel as if my disputes have been ignored and that I have been taken advantage of. According to Section 611 ( a ), a failure to investigate these items within 30 days gives a reason to immediately remove the inaccuracies from my report. Again I would like you to know that it has been over 61 days ; the items within the dispute need to be deleted in an expedient manner please. I am reaching out to you because I am requesting that these items be deleted immediately or I will implement litigation due to the stress and hardship they have caused me. I was affected by the XXXX  data breach and this may be the result of this nefarious activity on my reports.
Consumer complaint received 2018-06-02
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ENCORE CAPITAL GROUP INC. (CA)

This morning my bank account was frozen by XXXX XXXX, every XXXX was removed without any prior knowledge. When I went to see what this was on behalf of I was told there was a personal judgment as well as a lein to my property. I have never been served any papers from a court on behalf of a hearing or a judgment. No one is able to provide me this proof of service or information about the debt. Was only told it was for 2011 and now is at over {$15000.00}.
Consumer complaint received 2017-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The bureaus are reporting a bankruptcy Under the new law effective XXXX XXXX 2017 any public record data must include name address as well as SSN. or DOB in order for it to appear in your credit file. The credit bureau has not updated the information and per the new law true bankruptcy listed does not include this information..
Consumer complaint received 2022-03-07
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 (NC)

I need validation ( Not Verification ) I need a copy of when I sent your company a written permissible purpose to validate the inquire and please provide a Audit Trail. 15usc1681b Thanks
Consumer complaint received 2020-01-25
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: CITIBANK, N.A. (CA)

My name is XXXX XXXX Citi premier card # XXXX XXXX XXXX XXXX I called and cancelled my membership around end of XXXX or Beginning of XX/XX/XXXX,  then received an email stated I have a balance unpaid .... I checked my account, {$95.00} membership fee was not credited back to my account .... 

I called them XX/XX/XXXX to resolve this problem since I cancelled the membership already, they told me OK. 

I received another email showing account balance {$15.00}, I called again and they told me they credited membership fee " prorated '' .... that was not acceptable since I cancelled the membership ON TIME and they DID NOT PROCESS MY ORDER OF CANCELLATION! 

They need to correct this mistake immediately by credit this {$15.00} back to this my closed account!