davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-12
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY (NY)

On XX/XX/year> I got email that my order was ready for pick up. So I Immediately called target customer service to cancel the transaction. they went ahead and canceled the transaction. Then, after that, the transaction was allowed and processed. then on XX/XX/XXXX, I checked my statement and the order went through was returned and was given as a gift card. which store policies are that if a transaction is made with the store credit card it should the amount should be put back on the store credit card instead of putting it on a gift card. When I called customer service again and and complain, they said that they were going to investigate it. then, a week later, I received a letter in the mail stating that my claim was denied. After I received that letter, I sent them about five times via fax the appeal letter. they stated that they never received any of my letters when I have proof that it was sent and received with the fax receipt. so the agent that is in charge of my case, every time she calls me, she says that she can not hear me and when I call target, I speak to every agent and he gets escalated again talk to supervisors and when she calls me again, she cant hear me. they never sent me the questionnaire that I needed to fill out in order to file the correct claim. I received it months after this whole situation. I feel discriminated because I am XXXX. Ive been trying to resolve this issue. I am a long-term target customer and my credit is being damaged because of this issue I kept telling them over and over I am not gon na pay for something that I did not purchase. And now is XX/XX/XXXX and they havent resolve this issue
Consumer complaint received 2020-06-27
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. (TX)

INACCURATE INFORMATION ON CREDIT REPORT. XXXX XXXX ACCOUNT HAS BEEN PAID IN FULL {$1200.00}. THIS IS FTC VIOLATION
Consumer complaint received 2016-05-05
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (PA)

This company ( ERC XXXX XXXX XXXX, XXXX FL XXXX ) has threatened my credit rating, by assigning this debt to me without any proof, and no prior notice. This is not my debt. This is just an illegal attempt or scam to see if I would pay it.
Consumer complaint received 2021-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AZ)

On XX/XX/2021 I sent a letter to equifax asking them to verify that items on my report were being reported correctly on my credit profile and if not to please update in a timely manner. On XX/XX/2021 I sent a follow up letting asking again to verfiy items were still being reported correct and no response from equifax. XX/XX/2021 I sent a follow up message to equifax asking them to delete the following account because todate they are still being report inaccuratly on my credit profile. According to FCRA Section 611 : States " Whenever a statement of dispute is filed,... the consumer reporting agency shall, in any subsequent consumer report containing the information in question, clearly note that it is disputed by the consumer and provide either the consumer 's statement or a clear and accurate. Equifax failed to do so and are in violation of my FCRA rights. I am asking that they delete the following accounts since they are still being report inaccuratly. XXXX XXXX XXXX XXXX
Consumer complaint received 2018-02-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Coinbase, Inc. (NY)

I authorized two charges on XX/XX/XXXX for Ethereum ( a cryptocurrency ), for {$500.00} and {$120.00}. On XX/XX/XXXX, those charges were made AGAIN to my account, without my authorization, and with no products delivered to me.
Consumer complaint received 2021-08-08
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: Atlanticus Services Corporation (FL)

Aspire credit card is stealing my money. I made a duplicate payment to my account causing a credit balance, they owed me back XXXX. I immediately called to request a refund was told I would he sent a check, XXXX XXXX this credit balance refund debit is shown on my statement for {$540.00}. Leaving a credit balance of XXXX. I never received this check and multiple calls and emails to customer service I get no help and hang up in tears. I was told twice this was mailed to me and now Im being lied to that it was credited to my account. It never was and my statements prove that. I have filed a complaint with better business bureau and am in contact with an attorney. I need my money back and they will not give it to me!!
Consumer complaint received 2017-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (CA)

I went to    XXXX   XXXX   XXXX   XXXX   (    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  ,     CA - Ph. no  XXXX  ) for minor filing services  o  n   XXXX   XXXX    2017.  I provided my insurance information and paid the patient share via debit card on same. They still   submitted an application for 'Care Credit ' without my authorization. I disputed the claim through '  XXXX   ' and also contacted the Care Credit 's finance department to have this inquiry removed. I have not received any response from Care Credit department regarding removing the inquiry. As the   XXXX   XXXX   office also over billed me for {$900.00}, I went to their office again  on   XXXX   XXXX    2017 t     o ha ve  the am ounts removed. They acknowledged the error and told me the charges would be removed. To my surprise, they ran another credit check and I received a second alert from  XXXX  that another credit application was applied under my name. I have contact both Care Credit department and   XXXX   XXXX   office multiple times. They always acknowledge the error, since they have absolutely no proof of my authorization, yet they never send me any documents that would help me remove these in quires from my account.
Consumer complaint received 2022-09-11
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. (AL)

In accordance with the Fair Credit Reporting act the following companies have violated my rights : XXXXXXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account 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
Consumer complaint received 2021-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be cause by fraud or error on credit reporting.
Consumer complaint received 2020-07-14
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. (AR)

I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items.
Consumer complaint received 2021-09-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CLGF Holdco 1, LLC (WI)

XXXX  credit card never sent me proper notification of the annual fee like I requested but instead charged me a late fee for an annual fee I was not notified of, when I called the bank to have the annual fee removed the customer service persona was rude and unhelpful. I do not feel there should be a late fee on an annual fee. they are predatory lenders and taking advantage of people with bad credit or low credit.
Consumer complaint received 2020-07-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC (CA)

On XX/XX/ 2020 I applied for a home loan refinance in which i was made aware of a collection from XXXX XXXX. My wife called the collection agency on XX/XX/2020 to inquire on it. The collection company Sequim stated that the account shouldn't be in collection and directed her to direct tv. She was on the phone between department to department to get a letter that this is an error. Each operator would just pass her off to another operator and nothing was resolved. There was nothing showing I owed this debt and yet we can not get it removed.
Consumer complaint received 2020-07-14
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. (AR)

I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items.
Consumer complaint received 2020-07-14
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)

I had my credit ran today XX/XX/20 because asked for a credit increase on one of my credit cards but I was turned down because apparently there are accounts in negative standing on my credit. I looked through a copy of my credit report and I saw accounts from XXXX, XXXX XXXX XXXX XXXX XXXX that I never opened. I don't know why these accounts are on my credit report or who could have opened them in my name without my permission. I never got anything from these accounts such as money, goods, services or any other benefit nor did I ever make any payments towards these accounts. I do not have any contract or relationship with any of the companies I listed and I did not give them permission to run or view my credit information. I already filed a police report as regarding these suspicious accounts.
Consumer complaint received 2021-08-08
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. (FL)

Dear, CFPB The 3 major credit bureaus - ( XXXX, XXXX  and Equifax. Are in violation of the following statute contain in the FCRA and according to advisory of my attorney and guidelines in the CFPB if the disputed items on the letter attached is not removed within 30 business day.

I will be forced to evoke my rights under the FCRA, CFPB and FTC to sue your agency for specifically failing to provide the method and authenticity of the erroneous data furnished and reported. I demand this unauthorized data and information disputed in the attached letter be deleted/removed immediately.

Please the sections within statute violations are as follows : FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information. in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft. FCRA 623 ( a ) of the FCRA Generally, prohibits a person from furnishing inaccurate information to a CRA. The standards for the prohibition differ, depending on whether the person specifies an address for receipt of notices from consumers concerning inaccurate information. FCRA 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Addresses your rights to request copies of your own credit reports and associated information that appears on your credit reports. Therefor in reference to ( FCRA 611 ) to be incorrect or unverifiable. And if the disputed information can not be verified or confirmed, then it must be removed. 

XXXX, XXXX XXXX XXXX
Consumer complaint received 2020-07-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

In 2017-Directly after Hurricane Harvey I was unable to work for a couple months. Since I was a victim of a natural disaster Capital One offered me a temporary payment relief plan. I fulfilled my end and paid it all current directly after it was over. Capital One placed 1 month of 30 days late and 3 months 60 days late on my credit report. I have disputed this multiple times and I receive a letter stating Capital One does not remove negative remarks from your credit report as a customer service. I dont want it removed as a customer service-I want it removed because it is wrong.
Consumer complaint received 2020-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I sent letters via certified mail on XX/XX/20 to Experian asking them to validate certain debts on my credit report with a signature showing I owed a debt. They received it on XX/XX/20. They didn't respond until well after 30 days in late XXXX, but they backdated the results to XX/XX/20 to show they were within the 30 day time frame. That's an obvious violation of the FCRA. I sent a followup letter on XX/XX/20 asking them to provide documents bearing my signature or to remove the inaccuracies on my reports. They received it on XX/XX/20. We are going on 2 months and I have no received a response. All together we are going on 3 months and I have yet to receive any type of validation for this errors on my credit report.
Consumer complaint received 2016-08-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have paid off both XXXX XXXX accounts on XXXX/XXXX/16 and XXXX XXXX in XXXX also. XXXX of the XXXX XXXX shows being paid but not the other and they were both done and cleared my bank on the same day.
Consumer complaint received 2021-02-27
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENOVA INTERNATIONAL, INC. (GA)

My NC FINANCIAL account is reporting erroneously with XXXX and XXXX as a Collection Account. This account was paid in full with their internal collection, XXXX XXXX XXXX and I have the letter that states so. I contacted NC Financial at the beginning of XXXX to settle the debt, I was then informed by a NC Financial customer agent that my account was sold to their internal collection agency XXXX XXXX XXXX. After numerous attempts to contact them via phone, email and XXXX complaint to gain a response, I was able to speak to an representative on XXXX XXXX and their agent informed that my account was placed with XXXX XXXX XXXX. I was then able to contact XXXX XXXXXXXX XXXX to settle the debt, however, after sending my " paid in full '' letter as instructed in the letter to all the credit bureaus to update the status of the as paid. The credit bureaus are stating after the investigation that the account is unpaid and collection status because the NC FINANCIAL is sole listing on the credit report and not their internal collection company XXXX XXXX XXXX. I then contacted XXXX XXXX XXXX and XXXX XXXX that it was not their obligation to notify credit bureaus, but NC FINANCIAL. Which I have detailed complaints from the XXXX and CFPB I demand the account is deleted for the erroneous information listed.
Consumer complaint received 2018-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NY)

In our address information : a ) The XXXX, NJ address was our OFFICE ADDRESS, and we sold that business in XX/XX/XXXX ... 14 years ago. Please remove that address at once. 

b ) The XXXX XXXX, NY POST OFFICE BOX address was closed in XXXX ... 13 years ago. It, too, must be removed at once. 

Kindly respond in writing acknowledging the adjustments. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2015-09-07
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: First Associates Loan Servicing LLC (LA)

After graduating XXXX, the loan payments became astonomically unaffordable. they offered income based repayment plans but it made the balance and principal constantly grow to where payements were not going towards principal or interest. it 's impossible to pay this loan off on their terms.
Consumer complaint received 2023-07-24
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: CREDIT ACCEPTANCE CORPORATION (AZ)

I never recieved any notification I owed a debt. Company never notified me of debt, never sent any information validating debt nor any notification of my rights to dispute the debt. Balance is over double original balance with no validation or explanation. Account has went from open to closed to collections and back to open several times within the last 5 years on my credit report. I have never owned the car they state I financed nor do I have any information regarding vehicle.
Consumer complaint received 2020-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I have ask Experian numerous times for Experian to show me a signature that I was the one to open XXXX XXXX loan I have told them over and over that this account was not opened by me by law they must send me proof meaning a signature. This is not mine called a lawyer he stated for a loan Experian must provide a signature or delete from credit report. They have this loan as XXXX balance charged off
Consumer complaint received 2020-06-28
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. (NY)

THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE DEROGATORies WHICH HAVE BEEN TARNISHING MY CREDIT FILE, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.
Consumer complaint received 2021-04-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (NJ)

XXXX PLEASE REFER TO THIS COMPLAINT FILED XXXX. 

TD Bank had given me provisional credit for unauthorized ATM charges {$260.00}, but hen reversed it on XX/XX/XXXX, XXXX i had filed a police complaint about the hacked bank account but TDbank has refused to help me. Even thought the proof of purchase given by merchant XXXX shows someone in XXXX has hacked my account. 
Please help
Consumer complaint received 2018-06-13
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF THE WEST (NV)

I had {$10.00} in my account on XX/XX/XXXX. On XX/XX/XXXX my account went negative by {$19.00} & change due to renters ins being taken out. The next day, my account was negative {$24.00}, the renters ins reversed & didnt come out but the {$35.00} overdraft fee charge it my account. I transferred {$250.00} in the acct by Monday XX/XX/XXXX.. waited til today to see if the renters ins would come out again & it never did. I called Bank of the West to get the overdraft fee reversed since my acct never went negative ( outside of them charging me the fee ) after the renters ins reversed, I spoke with XXXX who stated she wasnt able to reverse it since you only get one reversal a year. So, I called the call center, I was transferred to an extremely rude supervisor named XXXX who wasnt the least bit helpful. She refused to listen to my request & just kept repeating the same information that I was going to get charged solely because the renters ins was trying to come out on XX/XX/XXXX. Explained how the branch was going to try to reverse the charge, but couldnt themselves & she just continued to be rude with no compassion whatsoever. I would have eaten the charge had the renters ins actually came out, but it didnt.. no reason to be charged for something that reversed. Completely poor customer service skills.
Consumer complaint received 2023-07-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Solar Mosaic LLC (FL)

I did sign a contract with Mosaic XXXX XXXX XXXX to finance my solar system with XXXX XXXX. XXXX did not install any system and they call me to cancel their contract because they could not install the solar system as the city want it to. XXXX even told me : XXXX XXXX the supervisor : " We usually have an inspector to sign our installation in every city but in the XXXX XXXX we do not know anyone there, they will not approve our installation. We will need to cancel our contract ''. 
Despite they do not install the solar system, they damage my roof, they are sending me letters, calling on the phone, threaten me to put a line on my house for non-payment. 
I did contact them and write them letter. They still want me to pay them XXXX dollars for service and products they did not provide. 
I did stop with my bank the automatic payment that was provide when I was signing the contract. 
Please help me stop those two company harassing me via phone and letters. I do not owe them any money because they breach their contract. I do not have system solar installation