davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc. (WV)

Ifiled Bankruptcy in XX/XX/XXXX, was Dischardged in XX/XX/XXXX. XXXX and XXXX still show the following : XXXX. XXXX as past due and in Collection. XXXX was Part of my DischargXXXX 2.Nationstar As past due and in Collection. Nationstar was part of my Discharge XXXX XXXX as past due and in Collection. XXXX was Part of my Discharge 4. XXXX does not have my Bankruptcy as a public Record 5. XXXX account and XXXX acct i was only Authorized User, and Should be Removed from my Profile
Consumer complaint received 2019-06-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

I called Captiol One customer service numerous times over a 2 month period and I already submitted a claim to you which is claim number XXXX. 
Since they seem unable to figure out my balance I have included a spreadsheet of all the purchases and all the payments. I also included a print out from XXXX XXXX which statements the money remitted on my behalf to Captiol One. As you can see from this information I have credit balances on both accounts.
Consumer complaint received 2020-12-13
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. (NJ)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$9700.00}, {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9700.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO LOANS OR LEASES 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2019-06-26
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: Acceptance Rentals, Inc. (GA)

I have sent in multiple dispute and fraud reports to XXXX and the collections agency. I have yet to receive any documents from XXXX  or the agency furnishing the results of the dispute. They have not sent back anything paperwork/documents verifying that this is my account. They only close my dispute and say they verified that it is my account without any proof.
Consumer complaint received 2019-06-26
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. (TN)

I have tried multiple times to have fraudulent information removed. It has been to no avail. I have submitted the identity theft affidavit and an APPROVED police report and the bureau refuses to follow the FCRA. I fee like they are trying to make the call that the police report isn't accurate when that his not what they are required to do by law. The police authorities deemed is valid and APPROVED it therefore the bureaus needs to comply with the FCRA instead of blatantly break the FCRA laws.
Consumer complaint received 2019-06-26
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: BB&T CORPORATION (TX)

Regional Acceptances is harassing me on my job about my past due loan. My son died in XXXX, I was out of work for several months due to this and the same for his dad and older brother. 

My older son lost his job, he is working again now. My husband lost his job, working two part time jobs. I just paid 2 payments. 

I have asked them on multiple occasions to NOT call my work number and they just did today at XXXX on XX/XX/XXXX. At my work # XXXX. XXXX with Regional Acceptance has my cell #, they have my email address and admitted to calling me everyday and emailing me. They also made me agree to allow them to do the automatic calls to my cell #. I am tired of the harrassment, especially at work. They just ignored my prior requests to NOT contact me at work on the job. 

Thank you, XXXX
Consumer complaint received 2019-06-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

On XX/XX/2019 i revived a credit inquiry alert that XXXX ran my credit. Which i did not authorize, i do not have XXXX and i have never had XXXX. I have gone round and round with Transunion about getting this inquiry removed. They keep asking for a letter of dilution or a letter stating that i do not have an account with XXXX, yet XXXX keeps advising me that they do not give letters of dilution or a letter stating that i am not a customer because they can only do that on active or inactive accounts not accounts that don't exist. XXXX has adv me that Transunion should be able to send an electronic request to XXXX about the inquiry and could clear everything up. Transunion is being very difficult do deal with and i just want the situation cleared up. I did try to do a request of investigation on the Transunion dispute page but that can only be done on open or closed accounts, no where to dispute an inquiry so i did put my information in a customer statement form, i did revive a response stating that the investigation is done but the only thing it did was update what my statement was to the account. I feel like i am the vicitim here as i am having to spend hours to get a situation fixed that i did not create when Transunion is refusing to do a simple electronic request which they are telling me they can not do because they are regulated under FRC. If anybody could help it would be greatly appreciated.
Consumer complaint received 2020-12-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Bread Financial Holdings, Inc. (FL)

Comenity Bank discovered fraudulent charges, to stop the charges we were told to cancel the card were made on. Comenity Bank then allowed the charges to be made on a different card on the account.! 0 months later they will not tell us why they allowed the fraudulent charges. 

On XX/XX/2020 we were contacted by Comenity Banks Fraud department concerning possible fraud on our BJ 's Mastercard Account. There were four charges for just under {$100.00} from businesses we didn't know. We asked them to cancel those charges and we were told the only way to do so, was to cancel the card issued to XXXX XXXX. Which we did. We later found out that those charges were transferred to XXXX XXXX 's card and an additional four charges from the same businesses were charged to XXXX XXXX XXXX card. We then had to cancel XXXX XXXX XXXX card to stop the charges. If Comenity Bank had told us to cancel both cards we would have. Now we are out {$800.00}. Comenity Bank is telling us that XXXX XXXX operated under their terms of agreement, so we are liable for everything. I have attached all correspondence.
Consumer complaint received 2019-03-01
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: Credit Plus Inc (TX)

On XX/XX/XXXX, I noticed a my credit score had dropped substantially in the midst of getting a general projection of my credit score ( via XXXX XXXX ). I saw a hard inquiry submitted by Credit Plus ( XXXX, MD XXXX ) submitted on XX/XX/XXXX. I have not tried to pull my credit, or apply for anything. I also did not give any permission to this company I have never heard of. I've filed through XXXX   and let all XXXX Credit Bureaus know of my plan of action. I have read extensively of this company doing this quite frequently, and I am petrified for repercussions of them doing this in the event my credit score needs to be ran for whatever reasons ( new car/etc ). I truly beg you to help rectify this with this company, not only for me but for XXXX what I am sure ) is hundreds if not more consumers unknowing to their actions.
Consumer complaint received 2019-06-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I am writing this because I need a lot of help. I modified my home loan with SPS loan number XXXX property address is XXXX XXXX XXXX, XXXX XXXX XXXX. I did my first modification in XX/XX/XXXXXXXX  XXXX XXXX gave me a 5 year modification and my payment was going to stay at the low payment of 1800 approximately and XXXX for the life of the loan after the 5 years. However In XX/XX/XXXXXXXX XXXX from XXXX XXXX  called me and persuaded me to do a new Modification in XX/XX/XXXXthat took me out of the 30yr plan i had before. The payment did drop the payment a little but the bigger problem was that it gave me a variable loan again starting this year with no 30 year option. After I did my second loan modification I was told my loan was sold to SPS Servicing and its been a mess dealing with them. 

I was advised by my new loan officer that starting XX/XX/XXXXmy payments jumped up to {$4200.00} instead of the {$1600.00} that I was used too. I cant make that payment!! I am already late for the month of XX/XX/XXXXbecause I didn't want to believe that my payment went up that high and now at the end of XX/XX/XXXXill be 2 months late. I'm XXXX years old when XXXX called me in XX/XX/XXXXI was XXXX I am too old to be convinced of something that is not good for me. I wish I would of never answered that phone call from XXXX telling me that they had a better modification for me. 

So the new Loan officer I have says that I qualify for A Veterans loan I am a Veteran of the XXXX. However now that I have this new 30 day late on my mortgage I don't think I qualify to do a home loan anymore. I am going to loose my home, I honestly don't know what to do if that mortgage late hits my credit. The rate jumped up from 4.5 % to 7.5 % that is way to high, I can not believe that a bank would do this it seems like they want me to loose my home. The VA loan would give a 3.875 30 year fixed with no Mortgage Insurance the payment is perfect to what I can afford. I am XXXX years old please help me I am begging you.
Consumer complaint received 2019-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Service Finance Holdings, LLC (FL)

I had an installment loan with Service Finance Company for an air conditioning unit installed at my home. I lost my job and was late on several payments. I paid off the loan fully in XX/XX/2019. I went to re-finance my home mortgage and was informed that Service Finance incorrectly reported the account type to the credit reporting services as a mortgage account which severely impacted my credit score, instead of the proper account type ( unsecured installment loan ). 

I contacted Service America on XX/XX/XXXX to correct the reporting account type to the credit services and they informed me that they can not correct the account type and would issue a letter stating the incorrect account type reported. 

I was informed by my mortgage company that the letter is of little use without correcting the account type with the credit services. I contacted Service Finance again and they are unwilling to correct the account type.
Consumer complaint received 2019-03-04
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Law Office of Michael J. Scott, PC (VA)

I tried very diligently to settle and or honor the debt but they refuse the amount. I'M { XXXX } years of age, I'm on a fixed monthly income, I relinquished an of {$25.00} which is the limited amount my finances will allow me.
Consumer complaint received 2020-12-13
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)

Experian Report Number # XXXX I am a victim of identity theft my information was compromised in the data breach I have filed a report with the XXXX and submitted it to Experian pertaining to certain accounts that are ID theft. 
Here are the accounts 1 ) XXXX XXXX XXXX # XXXX 2 ) XXXX XXXX XXXX # XXXX 3 ) XXXX XXXX XXXX # XXXX 4 ) XXXX XXXX # XXXX 5 ) XXXX XXXX  XXXX XXXX
Consumer complaint received 2019-06-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: M.A.R.S., Inc. (NE)

Over 2 months ago I demanded validation of the debt that MARS INC is attempting to collect. You have failed to respond to any of my requests for additional information to determine if this account is legitimate. As a previous victim of identity theft I am concerned about the origin of the account. Despite failing to provide the information to validate the debt you are still reporting the negative account information on my credit report. By failing to provide the information requested to validate the debt AND still reporting the information to the credit bureaus, you are in direct violation of the FCRA and the FDCPA.
Consumer complaint received 2020-12-13
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: JPMORGAN CHASE & CO. (FL)

I booked a car from XXXX XXXX XXXX  through a third party ( XXXX  ), and on the voucher ( terms & conditions ) of the rental it stated on page 1 that the XXXX for tolls was recommended but not mandatory to purchase through the rental company. Most rental companies don't force you to purchase the XXXX however its recommended if you choose to drive on the express way. I always reject that option with rental companies. When I arrived on the day to get my car rental from XXXX XXXX  they informed that the sunpass was mandatory since I was a young driver who would most likely drive on the express way. I told the receptionist ( XXXX ) that I would not be driving on the express way and that the voucher stated on page 1 that the sunpass was optional. She argued that it was now mandatory and that XXXX  ( travel agency ) has not updated their terms and conditions. I told the receptionist that is not my problem and not what I agreed to. I called XXXX to complain. Which was recorded by their system. I also sent them emails. XXXX told me while I was at the rental place to go ahead with the rental and they would reimburse me the difference for the sunpass charge. I have emails showing that communication with them. I also have the agreement from XXXX. XXXX failed to refund me the difference due to the fact that XXXX  lied and stated they gave me the option. Even though I have call logs and emails showing otherwise. I sent all the proof to the bank. The bank rejected my claim and stated that the charge came directly from the rental company and not XXXX. I explained to them that the company gave me the voucher to go to the rental company. The bank would not give me my money back for the XXXX  charge of {$130.00}. XXXX  and XXXX seem to be running a " bait & switch '' scheme on customers. I looked up the company on XXXX and read other reviews by customers with similar experience. These people are scammers. They need to be shut down. But the worst part of it all is that CHASE WILL NOT GIVE ME BACK THE MONEY. I tried to explain to them that XXXX gives customers the reservation ( voucher ) to your email and you go to the rental company with it. They failed to refund the difference of the XXXXscharge. My bank also failed me to give me the money back. This rental company is running a XXXX scam. I have been with chase for years and have a credit card with them as well which was open by the office of the president. After I pay it off I'm switching everything to XXXX XXXX XXXXXXXX.
Consumer complaint received 2019-06-26
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. (KY)

XXXX XXXX XXXX the account is reported as open/late for 30-59 days late on XX/XX/XXXX and another on XX/XX/XXXX separately..How is this even possible if the number of days is only 30 and the late payments are on two separate months and the status is 30-59 days late?? This is absolutely ridiculous. XXXX XXXX/XXXX is also reported as open late for 30-59 days late but it doesn't say on my payment history as late. Delete this error, fix the accounts that are reported inaccurately because Transunion could not even do this for me. They could not even give me concrete explanation as to why they report it this way
Consumer complaint received 2021-11-09
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Neon Newco Corporation (MI)

I purchased a Netspend Prepaid Gift card & loaded {$100.00} on it! I could use it immediately when I purchase it because I could not activate it online and had to wait till Net Spend open up. 

I was tall but thats better now I activate the card and will take 21 business days to return to be my hundred dollars.

I offered to pay for the money they took an overnight return since they have interest of my money and they refused. 

Ive never been notified by Net Spend I could not use their services if I had known about in the car in the car
Consumer complaint received 2020-12-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have 5 hard inquires on my Transunion credit report from unknown sources. The information is inaccurate and the inquires have been made on my credit without my consent. I have informed the same information to TransUnion customer service but they have not taken care of it. The inquires are as follows : Creditor Date 1. XXXX  XXXX XXXX  XX/XX/XXXX 2. XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XX/XX/XXXX 4. XXXX  XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2019-06-26
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)

I have tried multiple times to have fraudulent information removed. It has been to no avail. I have submitted the identity theft affidavit and an APPROVED police report and the bureau refuses to follow the FCRA. I fee like they are trying to make the call that the police report isn't accurate when that his not what they are required to do by law. The police authorities deemed is valid and APPROVED it therefore the bureaus needs to comply with the FCRA instead of blatantly break the FCRA laws.
Consumer complaint received 2020-12-13
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: KEYCORP (VA)

On XX/XX/20 I attempted to make an on-line purchase in the amount of {$170.00}. The company took my money and sent me a confirmation email. I then found out the next day that the company was fraudulent and contacted them via email for a refund. They would not respond. I then called XXXX  who said that I would have to write a letter to them to start an investigation. They then refunded the money back to the card. Several months later they sent me a letter stating they were rejecting the claim, and they took the {$170.00} back off the card. I contacted them, told them I had proof from the US Post Master in XXXX that I never received the order. The company sent something to a XXXX XXXX in XXXX, but it was not to me and in no way what I ordered since it weighed les that 3 oz and what I ordered were two XXXX  that weighed 75lbs each. They said to put it in writing and send the proof. I faxed and mailed copies of what I obtained. Since I have heard nothing and they still have not credited the card back. When I call, they will not even discuss it with me and will tell me nothing. I have all the emails, letters written, order confirmation, and shipping documents and evidence proving that I never received. XXXX  is doing nothing and refuses to even talk to me.
Consumer complaint received 2020-12-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (CA)

I had an account with XXXX XXXX over 6 years ago. One day I received an alert that my account information had been changed. I immediately called XXXX and was told that someone apparently had got into my account and ordered several XXXX  and XXXX  to be delivered to an address in New Jersey. I am in California. I was assured that I would not be charged for this identity theft. I continued to battle this with XXXX for the next year. I finally dropped XXXX and signed up with a new provider. This fraudulent debt has remained on my credit report all of these years and has never been corrected after many, many attempts to resolve. 
How can I be punished for someone else 's criminal act? Unbelievable. 
They are also showing this account as " open ''!?? and that it was opened one year and eight months ago.
Consumer complaint received 2020-12-13
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. (TX)

As a consumer I made Equifax aware of violations on my credit report involving XXXX XXXX, XXXX XX/XX/XXXXXXXX, XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX, and XX/XX/XXXX. While the accounts and inquiries were deleted, the violations owed pursuant of 15 U.S. Code 1681n and 1681o were not mailed to me. Affidavits with instructions were sent with instructions on 3 occasions by certified mail. The amount owed for these violations is {$14000.00}. 

XX/XX/XXXX advised that XXXX XXXX XXXX XXXX was not currently reporting on the XX/XX/XXXX credit file, but in the same document shows that they were reporting as of XX/XX/2020. They also still have XXXX XXXXXX/XX/XXXX XXXX XXXX listed when they were to remove that account as well.