davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-16
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX, FL XXXX added the following unauthorized charges to my credit card account in the amount of {$3700.00} during transaction : The following items have been marked on as Not Receivedmeaning items were not requested for purchase, but appeared on an unsigned invoice and physical product was not given or sold to customer. 
1. XXXX XXXX XXXX XXXX {$270.00} 2. XXXX XXXX XXXX {$240.00} 3. XXXX XXXX XXXX  XXXX {$100.00} 4. XXXX XXXX XXXX XXXX XXXX {$190.00} 5. XXXX XXXX XXXX XXXX  XXXX {$190.00} 6. XXXX XXXX XXXX {$170.00} 7. XXXX XXXX XXXX XXXX XXXX {$2000.00} 8. 
I contacted XXXX XXXX of XXXX via phone who assisted me during my visit at the store. I made the call on XX/XX/XXXX at XXXX at XXXX to let him now the issue with billing. He told me that that I am mistaken and was not receptive to my explanation. The following are dates and times I called XXXX in an effort to rectify my being charged for merchandise I was never sold : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX The Merchant refused to assist me and denied any wrongdoing. 

At this point I initiated a fraudulent dispute claim with CapitalOne Credit Card ( this was the card used for the transaction ) CapitalOne Credit Card provided me with documentation that XXXX  have provided to support their case for valid charges on my account. Upon reviewing the documentation submitted by the merchant, XXXX located at XXXX XXXX XXXX XXXX, XXXX, FL XXXX it became apparent that the copy of receipts presented fraudulent signatures that were duplicated Im two separate days and in two separate timestamps along with falsified subtotals.

CapitalOne Credit Card sided with the merchant an overturned my fraudulent dispute claim in their favor despite the obvious falsified documentation submitted. 
CapitalOne customer service informed that despite the documentation submitted by the merchant present as falsified, XXXX is the one that is accepting the merchant documents that includes falsified signatures and timestamps, dates and incorrect subtotals.
Consumer complaint received 2018-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Im very unhappy at the fact that there is inaccurate information on my credit report, and the furnisher failed to submit sufficient proof to validate the inaccurate account that does not belong to me. This is my fourth letter to your company informing you that the accounts are a result of identity theft. I know the FCBA allows me to dispute directly with the furnisher after disputing with you. You told me that you verified the account with the furnisher but they could not provide me with sufficient proof to back up their reporting. How can you verify if the furnisher could not? What information did you use to verify the account? Please give me a detailed list of what you used to verify the accounts at hand. That is my right and I would like to know what you did. The law is very clear on this issue, if it is unverifiable, then it must be deleted. Also, how can you even verify a fraud account? Please remove these items from my report!!!
Consumer complaint received 2019-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

XX/XX/XXXX ( points before ) XXXX ( Points after ) XXXX ( Amount taken out ) 38 pts  We found 1 change to your XXXX credit report. 
Accounts Removed XXXX XXXX XXXX/XXXX XXXX Account Removed From Report I have no had a student loan for over 5 years and this was paid off. This has came out of my account more then 4 times and has greatly impacted my score. i have worked 2 solid years working to rebuild my credit however this dep of education has been removed 3 seperate occasions and dropped my score over 70 points. This needs to be resolved ASAP
Consumer complaint received 2018-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

I joined Experian to run a credit report for all XXXX bureaus. The report clearly shows that I do not have any delinquent accounts or late payments reported to any of the XXXX bureaus, however, Experian and XXXX both show that the reasons for 'harming my score ' with them are for 'Serious Delinquency ' and 'Late Payments. ' XXXX even states that I had a serious late payment XXXX year and XXXX month ago, however, they could not tell me which account it was. 

There is the problem. I contacted both companies and they couldn't help me since I could not give them an account number for which I am having the delinquencies. I don't have any delinquent accounts yet my credit scores are being punished by those XXXX bureaus. 

I have attached the XXXX reports and a screenshot.
Consumer complaint received 2018-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AR)

My wife and I have a timeshare with XXXX XXXX XXXX. In XX/XX/XXXX, my wife filed chapter XXXX bankruptcy which included the XXXX XXXX XXXX timeshare. We received a letter from XXXX XXXX XXXX timeshare that addressed both of our names. The letter from XXXX XXXX XXXX alerted us to stop payment on our timeshare due to the filing of bankruptcy in XX/XX/XXXX ( the month and year that the letter was sent out from XXXX XXXX XXXX ). XXXX XXXX XXXX are continually reporting late payments to my credit report, after they had informed us to stop payment and they are obtaining a payment from my wife 's Chapter XXXX bankruptcy. We have called several times to get this resolved but the late payments are still affecting my credit report. They are requesting a double payment from us even though my wife is making payment through my bankruptcy and even after XXXX XXXX XXXX sent a letter informing us to STOP making payments, due to Chapter XXXX filings. We misplaced the letter and requested that they send another one ; however, they have failed to do so. 

Is it legal for XXXX XXXX XXXX timeshare to request double payment after a spouse have filed Chapter XXXX and included it on their bankruptcy AND also inform us to STOP all payments on our timeshare, while continuing to report it late on my credit report? 

Please advise on how we will need to proceed. 

Thank you,
Consumer complaint received 2018-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (MN)

XXXX XXXX Balance shows {$3700.00} I spoke to the company XXXX XXXX and they told me we can not verified and they requested deletion all the credit bureau. XXXX & XXXX they both followed the rules except Experian when i asked experian and provided the documents they are not responding till now and they got the documents came from XXXX XXXX and they are not even trying to solve this issue and also i have the certified mail copy. 


Secondly, I also got XXXX XXXX {$5000.00} credit card limit and they are not reporting as well when i called XXXX XXXX they told me and provided me the statements that they reported to experian and experian credit report agency not doing their job my uzilization is 126 % which is n't absolutley wrong please fix Asap other companies are reporting accurate information please follow the rules. Thank you.
Consumer complaint received 2018-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I opened a student loan in XXXX 2011 for about {$2600.00} and I have never received a bill and now they are stating I have been failing to pay this is not accurate I have never received any bill payment notification regarding me paying any loans for school the last time I checked they where not do was not notified and so there still should have been some type of bill sent to me regarding the loan amount, and or what I was to pay instead they just started reporting derogatory marks on my credit report and I have made several attempts to be heard, and I have not found any help. Not to mention how did {$2600.00} go to {$8600.00}????
Consumer complaint received 2018-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

Please see the annexed complaint with exhibits against XXXX XXXX XXXX. On XXXX XXXX, 2017, XXXX previously responded to a compliant filed by the undersigned but the response contained false and misleading statements. The undersigned tried to contact XXXX and has demanded information but XXXX has ignored the issues altogether.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE ATTACHED.
Consumer complaint received 2018-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

Please see the annexed complaint with exhibits against XXXX XXXX XXXX. On XXXX XXXX, 2017, XXXX previously responded to a compliant filed by the undersigned but the response contained false and misleading statements. The undersigned tried to contact XXXX and has demanded information but XXXX has ignored the issues altogether.
Consumer complaint received 2018-12-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (MD)

I applied for the American Express Gold Card on XX/XX/XXXX. The Refer-a-friend offer terms were : - XXXX Membership Rewards points after spending {$2000.00} on the card within the first three months - 20 % off dining purchases for the first three months, up to {$100.00} Because the 20 % credit did not post on my XXXX statement, I went on the chat feature on American Express website to ask about it. The chat representative I reached on XX/XX/XXXX said that the bonus was revoked. The representative provided no further details. 

I immediately called the number on the back of my card and asked to speak with a representative. This representative told me that the bonus was revoked because I had received the bonus on a completely different American Express card ( the SPG card ) back in XXXX. I was incredulous. 

The phone representative offered to transfer me to customer service. This new representative then said that my original understanding of the welcome bonus was correct, and that I am eligible for the welcome bonus. Furthermore, she said that I had already met the spending requirements for that bonus. 

There is no way for me to trust that she is correct, if both the chat and first phone representative said American Express revoked the bonus from my account. How can I trust this company?
Consumer complaint received 2018-01-15
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: Experian Information Solutions Inc. (PA)

BY LAW SECTION 609 ( a ) ( 1 ), YOU ARE REQUIRED BY FEDERAL LAW TO VERIFY- THROUGH THE PHYSICAL VERIFICATION OF THE ORIGINAL SIGNED CONSUMER CONTRACT-ANY AND ALL ACCOUNT YOU POST ON A CREDIT REPORT. OTHERWISE ANY AND ANYONE PAYING FOR YOUR REPORTING SERVICES COULD FAX, MAIL OR EMAIL IN A FRAUDULENT ACCOUNT. I DEMAND TO SEE VERIFIABLE PROOF ( AN ORIGINAL CONSUMER CONTRACT WITH MY SIGNATURE ON IT ) YOU HAVE ON FILE OF THE ACCOUNTS LISTED. YOUR FAILURE TO POSITIVELY VERIFY THESE ACCOUNTS HAS HURT MY ABILITY TO OBTAIN CREDIT. UNDER THE FCRA, UNVERIFIED ACCOUNTS MUST BE REMOVED AND IF YOU ARE UNABLE TO PROVIDE ME A COPY OF VERIFIABLE PROOF OF AN ORIGINAL CONSUMER CONTRACT WITH MY SIGNATURE ON IT, THROUGH THE PHYSICAL VERIFICATION OF THE ORIGINAL SIGNED CONSUMER CONTRACT-ANY AND ALL ACCOUNT YOU POST ON A CREDIT REPORT. OTHERWISE ANY AND ANYONE PAYING FOR YOUR REPORTING SERVICES COULD FAX, MAIL OR EMAIL IN A FRAUDULENT ACCOUNT YOU MUST REMOVE THE ACCOUNTS LISTED BELOW. FURTHERMORE, UNIVERSITY OF XXXX can not provide proof that this is my account. I am asking that this account is COMPLETELY remove from my credit history. UNIVERSITY OF XXXXXXXX is not a business its SCHEME. Reporting information that is completely wrong. PLEASE Delete from my CREDIT HISTORY ASAP!
Consumer complaint received 2018-01-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (FL)

Outside ATM took my cash deposit and shut down and did not credit my cash deposit to the account, which is making me late for paying a very important bill on time!!! The Bank ( Citibank ) will not give me a provisional credit to pay my BILL?
Consumer complaint received 2018-01-14
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. (NY)

I hired home depot to do a kitchen remodel. It was supposed to be a three day job starting XX/XX/XXXX and ending XX/XX/XXXX. As of today XX/XX/XXXX over two months later, the job is still not complete and I get no solid answers from Customer service. Only lie after lie from the back office. I have asked for a refund and my requests have gone on def ears. Please help get me a refund for the job that has not been completed in over two months so i can move on and have someone else complete the work. I get the credit card bill each month and pay for a service that has not been completed!!
Consumer complaint received 2018-12-15
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TN)

My bankruptcy has failed to provide procedure for verification. They are non compliant and has failed to perform a real investigation I contacted United States Bankruptcy Court and they stated they do not release sensitive information about the consumer bankruptcy to the credit bureaus. I am trying to understand why this inaccurate information is still reporting on my credit report .... Failure to provide the procedure.
Consumer complaint received 2024-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

15 U.S. Code 1681c-2 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, not later than 4 business after the date of receipt. It has been 30 days and you are in VIOLATION of this law because i am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer report ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts list IMMEDIATELY! 

Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-01-14
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)

On a past mortgage account I had with XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX, there was a delinquency that was reported in XX/XX/XXXX that is incorrect. For the month of XX/XX/XXXX my payment was sent around the XX/XX/XXXX. My checks were being sent to XXXX XXXX, VA XXXX as it was stated on the only document I had received since the start of the loan. I had not received any payment books or monthly statements either. A credit monitoring company emailed me saying my account was delinquent. I called XXXX XXXX and was told that my payments were going to the wrong place and that I was using the wrong loan account number. They were supposed to be sent to XXXX, PA XXXX. I was told that my payments were being re sent to PA and that the correct loan number that was not on my original document was being changed and that it would take up to two weeks to reach the correct XXXX XXXX. During that process it made my payment 30 days late. It is an error on XXXX XXXX due to the only document I received until I personally called and got all the correct information that i was never given. This error is drastically effecting my credit and possible future credit applications. I would like this error to be corrected since it was an error on XXXX XXXX and their guidelines state that they will correct any errors that occur on their behalf.
Consumer complaint received 2018-12-15
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: EQUIFAX, INC. (MO)

These following two accounts are not mines due to the fact that the orginal contract was cancelled immediately after the orginal creditor cancelled it. I do not have a contractual obligation with, ( 1 ) XXXX XXXX XXXX, and these dates I have no knowledge ofXX/XX/XXXX,XX/XX/XXXX, {$130.00}, {$350.00},, and in accordance with the FCRA law I'm requesting physical documentation of the above accounts, if not these accounts shall be removed.
Consumer complaint received 2018-01-15
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Convergent Resources, Inc. (NJ)

I am dealing with Convergent. They want {$4200.00}. They told me in XX/XX/2017 I do n't remember the exact date that I would get sued if I do n't resolve the debt. They should have the recording. Also I asked them to valid the debt in early XX/XX/XXXX. They did n't valid the amount. I gave them 30 days.
Consumer complaint received 2018-01-14
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Mercedes Benz Financial Services (SC)

I was purchasing a truck from XXXX XXXX  XXXX XXXX XXXX. I spoke with XXXX XXXX on XX/XX/XXXX. It was a XXXX XXXX XXXX. I also purchased a extended warranty at that time, and got the gap insurance to.I put {$3000.00}. down on truck.Truck was financed through Mercedes-Benz financial. Extended warranty with XXXX. I have got all my paperwork. I ( XXXX XXXX ) was driving back home to XXXX, SC on the way I had lights going off on dashboard. I called and text XXXX about this, he said keep driving it because of truck sitting. ( i got my textes ) i kept going, got truck home and loaded it up getting ready to go to XXXX GA got a job with them owner operator.When i got ready to go on the XX/XX/XXXX truck would n't crank. Text XXXX, but i got a jump and went on to XXXX. On XX/XX/XXXX took truck to XXXX get a DOT inspection for XXXX XXXX. Truck did n't pass. Needed brakes.I got it fixed.I have not even pulled my first load at this time. Then on XX/XX/XXXX had problems with truck took truck to XXXX XXXX, XXXX machainic called Mercedes and was going to get approved to do work through insurance and they stated i did not have insurance. We all XXXX and myself was looking at paperwork and said i got prove of insurance and could fax it they said no. I had to pay out of pocket.XX/XX/XXXX back in shop again, called Mercedes they still say no insurance out of pocket again. XX/XX/XXXX had to get truck worked on again., had to pay out of pocket.XX/XX/XXXX-XX/XX/XXXX back in shop.XX/XX/XXXX in shop. XX/XX/XXXX in shop. XX/XX/XXXX back in shop,XX/XX/XXXX in shop. Each time i would call Mercedes about truck being in shop, I could not keep making payments and paying for truck in shop, Mercedes finanly said get truck out shop and i could catch up on payment. I did and the week i got truck out they said make payment are they was going to repossess truck, I tryed making half payment they would not accept it. They said bring truck and turn in. I took truck to XXXX NC and called Mercedes and told them where truck was. I talked to them, Mercedes said since i turn truck in it would not go against my credit but it did. I paid out over $ 11,000.on my truck, I paid for a warranty and was making my payments, I could not afford both. I lost my job because truck staying in shop all the time. I lost my truck and my job, and got a repossession on my Credit. How can i get this off my credit?
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXXXXXX XXXX closed my bank accounts, which were set up for auto-pay on my two XXXXXXXX XXXX XXXXXXXX, resulting in a late payment ( s ) which are not reflecting on my credit report. 

I reached out to XXXX, and they acknowledged the issue, reversing both the late fee and the payment. As a loyal XXXX customer since XXXX Ive never missed a payment. 

However, the credit reporting department is refusing to remove the late payment from my accounts. I provided proof that customer service reversed the late payments, but the credit department still isnt reporting fairly, especially since the accounts are closed. If the late payments and fees have been reversed, there should be no late payment reported on my credit file.