davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-15
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. (GA)

Purchased one washing machine from Home Depot using a co-branded credit card from Citibank. I was over charged for one washing machine and have been disputing it since XXXX. Last conversation took place on XXXX with the Citibank 's dispute department and they told me they spoke with home depot and everything was taken care of and I would be credited. They told me it would take on statement cycle for the credit to take place so which would be by XX/XX/XXXX. When I checked my card balance today the credit was not made to the account. When I called Citibank 's dispute department again on XX/XX/XXXX they now told me that Home Depot said they credited everything I was owed and the dispute group at Citibank told me that they won't do anything else I have to work with the store. When I go to the store they tell me I need to deal with the card. 

Purchase information : XX/XX/XXXX - purchase for washer and dryer {$2400.00} - Cancelled order XXXX - purcahse for washer and dryer {$2300.00} - cancelled order XX/XX/XXXX - purchase for washer {$1000.00} - cancelled order XX/XX/XXXX - purchase for washer {$1100.00} - accepted order Total Amount charged : XXXX Credit from Home Depot : XX/XX/XXXX - {$1100.00} XXXX - {$40.00} XX/XX/XXXX - {$1000.00} XXXX - {$1100.00} XXXX - {$1200.00} XX/XX/XXXX - {$40.00} Total Amount credited : {$4700.00} Total Amount charged {$7000.00} minus total amount credited {$4700.00} Amount remaining : {$2300.00} minus purchase of 1 washer for {$1100.00} Still owed refund of {$1100.00} for overcharge of an additional washer which I never received Citibank dispute department refuses to help me at this point and says it's a closed case. I'm having to pay for 2 washing machines when I only purchased one. I keep getting the run around between the departments of the co-branded card company Citibank and Home Depot it's apparent that the systems/data does not update properly. Citibank left it with to bad you have to pay the balance.
Consumer complaint received 2019-11-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

TransUnion was sent documents from your website and stated they could not accept the validity of this report I made. XXXX  XXXX agreed to delete this account upon payment.
Consumer complaint received 2019-11-15
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. (AZ)

I don't understand how the Bureaus can all have different information, its so frustrating-they should all report the same information-one dispute for all.I am hoping to buy a home and this is hindering it for me and my family. These companies don't listen to the consumer and have way to much power over a persons life. Transunion shows that I have a balance on my XXXX XXXX for {$7200.00}. This car was paid in full by the insurance and I have a XXXX balance- account closed, I have notified them twice and they continue to report as accurate of {$7200.00} which is incorrect-this account needs to show as closed. The account for the XXXX does show closed and XXXX balance on my XXXX  report. These should match. 
Now, XXXX has 4 collections showing open accurate from XXXX XXXX   for me in the amounts of {$120.00}, {$120.00}, {$110.00} and {$120.00}. I have disputed these twice. Transunion has these same 4 accounts as closed. I think these should also be closed on my XXXX report.
Consumer complaint received 2022-01-05
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. (GA)

I lost my job during Covid 19 XXXX of 2020, XXXX XXXX had me on a forbearance during this time unaware with no notice they started reporting my account late. I called emailed disputed information being unfair an inaccurate I have not heard back from them I have restructured my loan and I'm current however these late payments are keeping me from obtaining credit this is not right!
Consumer complaint received 2019-02-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NM)

On XX/XX/ - USAA Bank released funds on a forged signature from an investment that was opened from XXXX XXXX XXXX. which was administered by XXXX XXXX XXXX XXXX XXXX, XXXX. The ending equity was {$14000.00} on XXXX XXXX. This money was deposited into an account by wire transfer with USAA Bank and released by USAA Bank to the person who forged my name and stole my identity. I have a copy of the document with the signature in my name and it is clearly forged. The actual withdrawal was {$13000.00}. I have filed a complaint with the XXXX XXXX, New Mexico Police Department, the Attorney General of Texas and the Attorney General of New Mexico. A letter was written to USAA Bank on XXXX XXXX along phone calls stating they were not responsible. A letter to XXXX XXXX XXXX XXXX XXXX, XXXX. plus phone calls were made to this company and the representative of XXXX XXXX XXXX These investment companies stated USAA was responsible for not authenticating my signature which was never done. I was never notified of these transactions as I was in communication with the administrator to follow their protocol to withdraw the funds. In the meantime as I was waiting for the funds to be released to me, I had XXXX XXXX XXXX and XXXX with a long recovery period. Before I got sick, this situation put me in a severe financial hardship as this also opened credit cards in my name with various charges which I have yet to be able to resolve. This person was a partner of mine in a XXXX XXXX  business. He is a XXXX XXXX and spent over a year in XXXX and is now XXXX XXXX XXXX. A hard lesson in who to trust.
Consumer complaint received 2019-02-16
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. (NY)

My identification was stolen in late XXXX, they were able to clone my credit and debit cards. They were able to steal thousands of dollars from my bank accounts. I fax them my letter from XXXX seeing that my identification was stolen and cards were being cloned. Plus I send them the affidavit as well but Experian is giving me a hard time to remove these items. # ( 1 ). XXXX, # ( 2 ). There are two XXXX XXXX accounts that were open in XXXX & XXXX. # ( 3 ) There is also a XXXX XXXX XXXX was Paid In Full and I was never later and they have it as a negative remark. I fax them several times proof that this account was Paid In Full, I even did a conference call with XXXX XXXX. Experian did fix this at first but about a month ago they change it to a negative remark. 
Thanks XXXX XXXX XXXX XXXX
Consumer complaint received 2019-02-17
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Amscot Corporation (FL)

This complaint is in reference to a payday from Amscot My complaint is about there collection efforts. I took out a payday loan in the amount of {$500.00} on XX/XX/XXXX. I extended the loan due to my loss of employment and I eventually ended up XXXX. I provided Amscot with payments as I received money from various jobs, unemployment, family, etc. I have spoken to XXXX and XXXX of Amscot throughout this whole process. I paid several payments and my latest payment arrangement was made that I would make a payment within two weeks prior to this recent went I went into Amscot on XX/XX/XXXX to pay my daughters utility bill for her using XXXX XXXX. I was assisted by XXXX an employee of Amscot. I presented her with the bill and told her I would like to pay this bill. XXXX proceeded to ask for my drivers license and I told her, this is to pay a bill. I handed her my license, she ran it through their system, and proceeded to tell me, " are you aware you have a payday loan with Amscot, I informed XXXX that I have made arrangements for that balance to be paid and that this transaction has nothing to do with my transaction I am here for. She continued to ask me how would I like to take care of this balance. At this time she was harassing me after I told her payment arrangements had been made and my current transaction has nothing to do with why I am here today. I repeatedly asked for the money back that I had given her for my daughter 's transaction and she kept asking how would I like to pay my payday loan back.

My problem with Amscot they are very harassing even with their phone calls to you. You call and speak to people there, explain your situation, make the necessary arrangements, and they still call you a dozen times a day. It is not necessary if they update their system. I have told them repeatedly you do not have to call me 10 times a day about this loan. They continue to do so. On XX/XX/XXXX XXXX did not read me the mini-miranda because at that time she was attempting to collect a date and any information I provided to her was suppose to be used for that purpose. This young violated my rights. harassed me when I explained to her payment arrangements had been made already. and embarrassed me.
Consumer complaint received 2020-05-25
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 RECENTLY OBTAINED A COPY OF MY CREDIT REPORT. THERE WERE ACCOUNTS AND INQUIRIES THAT DID NOT BELONG TO ME. PLEASE INVESTIGATE AND REMOVE THESE ACCOUNTS FROM MY CREDIT REPORT.
Consumer complaint received 2021-08-22
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. (NY)

I've contacted Equifax more than 5 times to fix a problem with my Credit Report. The Credit Report are showing information for another person. There are combined information on the credit report such as the other 's person mortgage information, credit card information and personal information. Equifax told me to submit my personal documents to get it fixed and after almost a month, the problem hasn't been fixed.
Consumer complaint received 2019-02-16
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. (GA)

I wrote to XXXX and Equifax concerning acct # XXXX. They stated that the account is accurate and varified but XXXX did their investigation and deleted it from my account. I have been trying to get XXXX  and Equifax to please remove this from my account as well. I attached the document that shows XXXX deleted this from my credit report. This is hindering my ability from obtaining credit.
Consumer complaint received 2019-02-16
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 — Problem with personal statement of dispute
Company: Harley Davidson Financial Services Inc (MO)

My ex cheating girlfriend wrecked her old XXXX XXXX and it broke her leg from collision long time ago. She wanted a new motorcycle she could not buy it with ruined credit scores so I was stupid kindly co signed a 2008 XXXX XXXX for her just to make her happy but then she screwed me over and deceived me she rode off with her several trashy secret lovers. 
She removed my co owner 's ship on the bike and added it to her new boyfriend 's name. I need these unwanted information stored on my credit reports removed. All they do is causing me to have money damages and ruined my life! 
Truly yours XXXX
Consumer complaint received 2019-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Systems,Inc. (GA)

National Credit Systems is the collection agency that is reporting inaccurate information to my credit report. I have disputed with them and through all 3 bureaus multiple times and they keep reporting that the information is accurate but refuse to provide documentation from the original creditor whom is the XXXX   XXXX  XXXX XXXX XXXX.I originally tried to reach out to the apartment complex myself but this complex was sold to another company and they have no record of anything. I disputed the balance they say I owe which is {$5300.00}. I've asked they send me proof of this balance and they keep sending me the last account ledger ( which is inaccurate ) from the Apartment complex prior to them being sold.
Consumer complaint received 2020-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing this letter to demand that you remove the following accounts that are the result of identity theft : I have previously sent a letter to Bankruptcy Court disputing the fact that my chapter XXXX was showing on my credit report. I contacted the courts and they sent a letter that I have attached. They stated that t they didnt have to verify ; so im requesting the bureau remove it immediately. This is causing harm and damages to me since I am not able to open any new credit due to the incorrect reporting of these accounts as mine. I can not get a loan for a house for my family to live in. I can not get a loan for a car to transport my family members to and from school and work. I can not get a credit card to help pay bills for my familys care. 


According to the FCRA, you must remove these items that are the result of a mistake made by the government. I demand that this letter be read by a human and not e-OSCAR.
Consumer complaint received 2019-02-16
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: Mercedes Benz Financial Services (FL)

I leased a new XXXX XXXX XX/XX/2016. During the course of the lease I made multiple visits to their service department requesting repair or replacement of my bluetooth so I could have hands-free telephone operation. Though it was clearly defective from an operational standpoint, they could not identify the source of the problem and refused to replace it. When my lease was up, I purchased a XXXX and their bluetooth system is flawless. When I returned the vehicle, Mercedes wanted to charge me {$590.00} as an end of lease fee which they agreed to waive as an " incentive '' to lease another Mercedes. I advised them that their failure to provide me with the functionality I was paying for was a dis-incentive to lease another Mercedes and that they should waive the end of lease fee as restitution for their failure to perform by not providing the service I contracted for and was paying for as referenced above. 
A second and more troubling end of lease charge was for low tread on two of the tires. If one leases a car for 30,000 miles, one has the right to anticipate the tires will last 30,000 miles under normal driving circumstances which mine are. There were 27,000 miles on my car when I returned it. The simple fact here is Mercedes gets you to pay for new tires twice though you have only driven the car for mileage well below the tread life warranted by the tire manufacturer ( 55,000 miles ). Then Mercedes can sell the vehicle with new tires paid for at a cost of ~ {$600.00} by the lease customer. In effect, the customer pays for tires twice. This in my opinion is a scam.!

Currently my credit score at XXXXXXXX is XXXX. Now Mercedes is threatening to turn my account over to collection as a means of " extorting '' money from me that they are not entitled to receive. In point of fact, it is my true belief they owe me a refund for the services I paid for but did not receive.
Consumer complaint received 2019-02-16
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 (AZ)

I mistakenly made a double payment of {$3000.00} to Capital One on XX/XX/19. Called Capital One on XX/XX/19 to verify the double payment and asked for a refund. 
After a long a difficult conversation with Capital One representatives I was informed that a refund or credit would processed in 7 to ten days. On XX/XX/19 I called again to ask where the refund was. Talked to representative XXXX ( ID # XXXX ) and was informed that the Capital One representatives from XX/XX/19 made a mistake and that no action for a refund was processed on XX/XX/19. Was informed by XXXX that it is possible that an additional 6 weeks would be required before a refund could be processed. 
Capital One has been unresponsive in any efforts to resolve this situation.
Consumer complaint received 2019-02-16
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. (IN)

Please see attachment : This is 1 of many accounts that you have verified. How? If you look at the attachments below you will see that this account is unverifiable and you are full of it. I have been trying for almost 3 months to get this account verified and validated. Remove this account from my reports
Consumer complaint received 2019-02-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (CA)

Opened my account in XXXX, CA XX/XX/2019. Agent XXXX has been tampering with my personal information, without my consent ever since the opening of my account. She has repeatedly altered my address without consent or direction. US Bank has failed to act on this concerning matter. On XX/XX/XXXX, I spoke with supervisor XXXX who promised to open a " sensitive issue ticket '' and once again, this was another bogus, empty promise from US Bank. Nobody has followed up with me regarding steps being taken to secure my account, nor offered any resolution. My personal account information is still being altered and tampered with by XXXX. US Bank has failed to respond, in any fashion, nor take my concerning security issues seriously. I've been lied to now by multiple supervisors about the continued security breach, not one of them has done their jobs to protect me, my privacy or personal information. My great security concerns have been completely ignored.
Consumer complaint received 2019-02-16
Product: Student loan — Federal student loan servicing
Issue: Problem with fraud alerts or security freezes — 
Company: Navient Solutions, LLC. (MO)

I was a student of XXXX College of XXXX  XXXX from XX/XX/XXXX to XX/XX/XXXX. When I was recruited they told me I can apply even if I didn't not have my XXXX XXXX Diploma  or XXXX. I told the recruiter I felt uncomfortable but he assured me that the have a program in which I can work on getting it, as I got my XXXX  diploma. I agreed and started my new life. A few months go by and I ask about my GED classes, I was told they didn't have XXXX classes and there was an investigation into my recruiter. The next week 10 to 15 people had to take the XXXX test with out any prep, or knowledge. I passed but soon quit as I felt the collage was not right and my diploma would be worthless. I had to pay XXXX down and XXXX in loans, also used XXXX in Grants in which I have unused funds left over. I was unable to transfer, or get any info about what I should do. I did not have the internet back then and was unaware of my options. I was told I could spend another XXXX and try again. This has cost me credit scores, interest paid, tax returns being taken from me and my kids. I paid the loans off in XX/XX/XXXX. If you know of how I go about seeing if I could recoup my money in loans, and reset my grants. My number is XXXX.
Consumer complaint received 2019-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MARINER FINANCE, LLC (PA)

In XX/XX/XXXX I had a family member steal a lot of money from me. I could no longer pay my bills and I did not want to claim bankruptcy. I chose XXXX XXXX to help me with my bills. I owed Mariner Finance {$2400.00} which I was paying {$130.00} a month on. XXXX XXXX attorneys made a settlement for me with Mariner to pay {$200.00} a month for 12 months to pay off the {$2400.00}. The last payment was made XX/XX/XXXX. Mariner refuses to update that this account to the credit agencies. Two agencies say I owe Mariner {$320.00} and another says I owe Mariner {$770.00}. I have paid them every XXXX I owed them and I have disputed with all 3 credit agencies, XXXX, XXXX and XXXX. They all tell me Mariner has told them I owe them money. They refuse to fix this problem and I have asked for them to send me a letter stating that this is paid in full and they refuse to do so. I do not know how they can get away with these kind of practices. The only thing I have to show I have made these 12 payments is what I printed off the computer from XXXX XXXX. I hope you can help because I do not know what to do anymore. 
Thank you for any help.
Consumer complaint received 2019-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WA)

I went through bankruptcy recently and 1 account I kept from XXXX is showing that during my bankruptcy filing I was 150 days late for payment. I did pay my account and its even in good standing. Credit union says it reported it was always on time but Experian and XXXX shows it was 150 days late. Tried to reach a live person from both bureaus with no success. Maybe during bankruptcy account was not reported for several months and thats what triggered no payments made on account
Consumer complaint received 2020-06-21
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)

I am a victim of Identity theft someone stole my personal information to open fraudulent account. this is very stressful. I called the companies to report these account as fraud and i notice that these fraudulent Accounts is still showing on my credit report. I want these Account blocked from my credit