davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-15
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: DISCOVER BANK (AZ)

On XX/XX/XXXX I purchased a XXXX car rental reservation for XX/XX/XXXX through XX/XX/XXXX in the amount of {$340.00}. 
My XXXX reservation was booked with XXXX at XXXX XXXX XXXX XXXX in XXXX, NY. 
Upon arrival, I showed my printed out reservation from XXXX to receive my prepaid rental. The agent notified me I needed to pay for a {$500.00} refundable deposit. I was aware a deposit was needed, but not as high as {$500.00}. I did not have the money on any of the cards I traveled with, so we asked if my fianc could put the deposit on his card. The agent assured us she could modify the reservation to his name, but we would still be using our XXXX prepaid reservation. 
My fianc used his debit card to pay for the deposit and we were shortly on our way. 
Upon returning our rental, the agents had difficulty finding our reservation. Finally, they found it and issued a receipt. We hurried to our airline counter to receive our boarding passes so we can make our return flight home. When we reached our gate, I realized that the total charges reflected showed they were debited from my fiancs XXXX card in the amount of {$380.00}. 
I called XXXX about this and they said to contact XXXX. I called XXXX and they said that all sales are final and because we changed the reservation name, my XXXX reservation shows that it is unused and they refused to refund the amount. I explained to the XXXX representative that the XXXX agent at the counter made this modification because of the deposit. She still blamed me, the consumer, when I had no idea what the agent was entering into a computer behind the counter. It was the agents duty to make us aware that the reservation was now put under my fiancs name is considered a new reservation & not a prepaid XXXX reservation. If made aware, no one would have allowed this transaction to be created in the first place, resulting in an overcharge. 
The credit card I purchased my XXXX reservation with is Discover. I called Discover and opened a dispute on XX/XX/XXXX. This dispute is still in progress 5 months later. I have documentation showing my fiancs card was charged for the full reservation amount as well as my credit card. We have now paid for the exact same rental, twice on two seperate credit cards and after 5 months with Discover, there has been no resolution and my dispute is under final review for another 90 days.
Consumer complaint received 2017-04-24
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. (TX)

I have a debt on my credit report that has been paid. But it has not been removed from my credit report. The debt collector  XXXX   XXXX   XXXX  has sent the proper information in to remove the debt but it has not been removed from my credit report. I would like for this debt to come off my credit report. I am going to provide the proper information for this debt to be removed off my credit report.
Consumer complaint received 2017-04-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (HI)

Diversified Consultant continued to report this as collection to the credit bureau. This account they are trying to collect has been already closed with the original creditor. This collection company is still trying to collect this so called unpaid debt without verification with the original account. Collection agency can not show any verification or validation that the account is valid for collec tion.
Consumer complaint received 2017-04-24
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OK)

Today,  XXXX / XXXX /  XXXX  ,  Portfolio Recovery Associates  called my supervisor 's private line  ( a number not publically listed ) and asked for me by name. She told them that they had the wrong number, which is accurate. She is not me. I have no idea what the call was pertaining to, but I googled their business name and see that they have a reputation for pulling these shenanigans on many people. Whether or not I actually owe them or someone they collect for is unknown, however, when my supervisor asks me if I know who they are and that they called her asking for me, I was mortified and completely humiliated.
Consumer complaint received 2017-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX   I am NOT   XXXX   customer.     I am not   XXXX   customer and I do n't remember I ever registered with  XXXX , IF I did I do n't think I will share with   XXXX   with my personal information like " STUDENT LOAN THINGS with  XXXX        XXXX   provided my personal financial information a widely with third parties without my permission.     I contacted   XXXX   this morning  XXXX   XXXX   XXXX  to dispute all my credit history from his page. " When I Contacted  XXXX  and requested a dispute my credit report,  XXXX  asked me security question " like how much student loan do you have, and who is the loan provider?     The   XXXX   NOT my student loan lender, this not   XXXX    business, and aga in I do n't remember I did share my student loan information with   XXXX  , again I dont want to share my student loan information with   XXXX   so I refused to answer   XXXX   XXXX   security QUESTION which related to with my personal financial informations. And  XXXX  said " if you do not provide how much student loan do you have and than we will NOT dispute your credit report. '' TRANSUNION  I a m NOT TransUnion customer.     The company did provide my credit information to the third parties without my authorized signature/ without asking me. I request TRANSUNIION to dispute my credit history from the TRANSUNION website.      XXXX    I am  XXXX  customer.
I am request  XXXX  to dismiss my OLD credit history from his webpage. Especially olds one NO good for my future   business.      XXXX  provided my credit history to third party without notifying me which have been impacted my business pretty deeply.     SO I request   XXXX   to contact me first before provide my credit history to THIRD parties
Consumer complaint received 2018-01-05
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 (NY)

Capital One is in violation of the Fair Credit Reporting Act because they are reporting inaccurate information on my credit report that they said they verified as accurate after my first CFPB complaint, no XXXX. On XX/XX/XXXX, XXXX XXXX said that he verified my credit report was being reported as 30 days past due for XX/XX/XXXX. Well I just looked at my credit report again and it shows that I was 30 days past due in XX/XX/XXXX on XXXX and 30 days past due in XX/XX/XXXX. And XXXX is n't even reporting the account. I know for a fact that I was not late in XX/XX/XXXX and XXXX XXXX even confirmed that I was late in XX/XX/XXXX and said he could n't modify the late payment. Well now that inaccurate information is being reported after you verified it as accurate, I am entitled to {$1000.00} per the Fair Credit Reporting Act and even more if I were to hire an FCRA attorney to help me. Now the last thing I want to do is keep dragging this out any more than we have to. Clearly when I made my payment I was not aware that it was returned and made my payment right away. But the fact that you are reporting me late in two months is not right. I attached a copy of my credit report which shows how Capital One is being reported so you can see I am not lying.
Consumer complaint received 2017-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (VA)

XXXX  I am NOT   XXXX   customer.     I am not   XXXX   customer and I do n't remember I ever registered with   XXXX   IF I did I do n't think I will share with   XXXX   with my personal information like " STUDENT LOAN THINGS with  XXXX .       XXXX   provided my personal financial information a widely with third parties without my permission.     I contacted   XXXX   this mornin g (  XXXXX 2017 ) to dis pute all my credit history from his page. " When I Contacted  XXXX  and requested a dispute my credit report,   XXXX   asked me security question " like how much student loan do you have, and who is the loan provider?     The  XXXX  NOT my student loan lender, this not   XXXX    business, an d again I do n't remember I did share my student loan information with   XXXX  , again I dont want to share my student loan information with  XXXX  so I refused to answer  XXXX  's security QUESTION which related to with my personal financial informations. And   XXXX    sa id " if you do not provide how much student loan do you have and than we will NOT dispute your credit report. ''  XXXX   I  am NOT   XXXX   customer.     The company did provide my credit information to the third parties without my authorized signature/ without asking me. I request   XXXX   to dispute my credit history from the   XXXX   website.     EXPERIAN  I a m EXPERIAN customer.     I am request EXPERIAN to dismiss my OLD credit history from his webpage. Especially olds  XXXX  NO good for my future business.     EXPERIAN provided my credit history to third party without notifying me which have been impacted my business pretty deeply.     SO I request EXPERIAN to contact me first before provide my credit history to THIRD parties
Consumer complaint received 2017-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

XXXX   XXXX   XXXX  Has been reporting since   XXXX   an account for the   XXXX   XXXX   XXXX   XXXX  ver a payment that was between my insurance and the billing department of the clinic. The  Clinic was in dispute with the billing company due to over payment and improper  billing. When this issue was resolved I received documentation from my insurance company, forwarding a copy to   XXXX   XXXX   to have this removed from my credit report since it was not directly my fault. Instead it was not properly removed by all reporting agencies and updated with    XXXX    on  XX/XX/XXXX .     I was advised this morning that this is still active and not deleted.
Consumer complaint received 2018-01-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Perfection Collection (GA)

disputed debt from debt collector ( Perfection collection) and XXXX XXXX. sent letters to debt collectors on XXXX XXXX, 2017 asking for validation of debt. have not received any response back. I do not and have never had a contract with perfection collection or XXXX XXXX. the debt is not mine and its unverifiable. please delete and remove from all three credit bureau reports.
Consumer complaint received 2024-10-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On XX/XX/year>, I reported XXXX unauthorized charges on my account totaling {$170.00}. The Claim ID for these charges is XXXX. Bank of America issued a temporary credit of {$170.00}. However, on XX/XX/XXXX, I received a notification stating that the charges were deemed valid, and the temporary credit would be reversed as of XX/XX/XXXX. Despite this decision, I have not received any evidence from the bank proving that these charges were legitimate. 

I reported the charges as fraudulent because I did not authorize them. I am requesting that Bank of America reverse the charges immediately. If this issue is not resolved, I will be forced to transfer my business and funds to a different bank that cares about its clients.
Consumer complaint received 2017-04-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (AL)

I have   a Amazon visa rewards card through Chase. I have my automatic payment feature setup through their customer portal. It is currently set to full amount, but I have had a minimum amount applied every time the autopay date rolls around. I will be attaching some screenshots showing my autopayment hold from my bank account, the auto-payment settings, and my current account balance after having autopay apply payment.
I have seen this several times and I believe this is a scheme to defraud people 's payments in order to increase interest rate payments at Chase. This is un  acceptable behavior.
Consumer complaint received 2017-04-24
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Made numerous contacts to  Trans Union  about this  XXXX   XXXX  account and submitted actual billing from this agency listing the  XXXX   XXXX   XXXX   XXXX   XXXX  as the primary payer of this account. I submitted numerous requests with proof that the bill was not mine and to no avail. I spoke with  Trans Union tod ay and my latest disputes were not listed and the most recent was   XXXX   ( cancelled  )  and redisputed in  XXXX . I submitted documents to Tamaya from special department on   XXXX   XXXX   to a wrong fax number and later sent to main  Trans Union  fax in attention to the Special Dept attn :  XXXX  : According to a  Manager at Trans Union  there are no records of these documents " ever '' been submitted. I can provide proof as far back as the last 2 years! According to  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX  did not submit proper billing information to be paid. In  XXXX  I attempted  XXXX  between the  XXXX  companies when I was " somewhat '' mentally stable and it got to the point where the representatives were becoming frustrated and rude stating that I would have to pay the bill. I did not regain full mental competence until   XXXX   and tried to reach out to the company in which they refused to follow through with  XXXX  to receive payment. I do not owe this bill and believe that  XXXX   XXXX  should have removed these amount  ( s  ) from my credit reports since I would not have been able to " competently sign '' any agreements due to my mental states
Consumer complaint received 2024-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

For the past several months I have been attempting to access my free credit report, access ability to apply or find out if I have a freeze on my report, and try to find incorrect information. I have chatted with their support. I have called. I have sent hundreds of emails. I get the same responses, this is our department or call this number. I have submitted written requests for my reports and to have my access restored but they refuse to fix it or help me in any way. I am currently unable to obtained an credit as my Transunion report is not accessible.
Consumer complaint received 2018-02-15
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

My account with Capital One Auto has had many late payments reported to the credit bureaus even after I paid the payments to them. Their system had some problems processing my payments so after I paid the payment they never took out the funds and then never notified me the payment did not go through even though I had the money for the payment. I have many many, many calls to them complaining about this problem which they never had a solution for or any action taken. They said it was my bank but I have never had any problems with any other company including a credit card I have with the same XXXX XXXX XXXX. This problem has ruined my credit. 
I would like the late payments removed from my credit report on all three credit bureaus. 
I do not have any late payments with any of my other creditors and have never had this problem with any other bills I have paid.
Consumer complaint received 2017-04-24
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: WELLS FARGO & COMPANY (MA)

As of   XXXX     my student loan interest rate has been hiked up to   XXXX   %. They have increased my monthly payments, due to this interest increase, without any notification prior. I find it outrageous, and feel this bank should be ashamed of itself for charging a student loan such a large interest rate. In the years I have been making payments, I have not seen the amount owed decrease  1 cent ; in fact, it has increased by thousands of dollars.   During a time of financial hardship in  XXXX , I was unable to defer payments through  Wells Fargo , they only allot 6 months of this and mine were used. Because of this  I started to incur late fees that added up to a couple hundred dollars while I would work on trying to find a way to make a payment. I left so many messages asking for these late fees to be reduced for hardships and never heard back from a represe ntative. All of this is unreasonable to me, and I find a negative impact on myself, mostly financially but also personally with struggling to accommodate all my student debt ; it also potentially impacts my family in the respect that they cosigned the student loan.
Consumer complaint received 2017-04-24
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. (TN)

I have contacted Equifax multiple times by certified mail in regards to late payments showing on my credit report from  Dept of Ed  XXXX . I advised Equifax that I was never late during the times of  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX  and request them to do an investigation and correct the inaccurate information they have showing on my credit report. After 30 days of investigation Equifax respond back to me that the information was reported accurate by the creditor. I contacted the creditor which is Dept of Ed/ XXXX  in regard to late payments showing on my credit report  and Dept of Ed  XXXX  assured me that they are not showing any late payments in their records because the account was in deferment during the dates  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX . I have requested multiple times that Equifax correct the inaccurate information and they will not make the corrections to reflex on my credit report.
Consumer complaint received 2017-04-24
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. (FL)

I have been contacting TransUnion since  XXXX   XXXX ,   XXXX  . Since  XXXX    XXXX   my  credit score h as been lowering due to closed accounts I never was aware of on my credit reports. My mother added me as an authorized user on accounts without my knowledge, and because our mailing address was the same address. This has hurt my  credit score,  then I was advised to dispute these accounts off my credit report without making me aware that it could effect my score in a negative way even more. Which was the result of the disputes. TransUnion now has lowered my score as if I have no credit history and I called multiple times to understand why my score lowered again, and spoke to  4  different representatives and no one helped my situation.
Consumer complaint received 2017-04-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: United Revenue Corporation (TX)

the collection agency has repeatedly, sent me notifications to pay a debt that is not mines! I have reached out to the collection agency to fix this issue, and to report this as identity theft! I have sent the ''identity theft '' documents twice and the last time they were sent to the collection agency the documents were sent through certified mail. even thought I have disputed the debts numerous times, the collection agency continues to attempt to collect a debt that I do n't owe.
Consumer complaint received 2018-01-05
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Problem getting a working replacement card
Company: SYNCHRONY FINANCIAL (GA)

I can't get a valid bill or account number from Synchrony.Made a purchase in XXXX XXXX XXXX on XXXX XXXX.  This involved a store credit card through Synchrony to take advantage of the 0% interest for 3 years.Reached out on XXXX. XXXX because I had not received any bills or account information and I wanted to know when the first bill would be due.I later found out that the bill / credit card had not been sent out until the XXXX but the gent I was talking to seemed to not be able to see this information and said that it must have been lost.He began the process to get me a new one and a bill.  I really couldn't care less about the card, you can only use it in the store - I just needed a bill.On the XXXX I received my first batch of mail from Synchrony including a statement (bill was not accurate, only had about half the balance it should have)  with a due date that was very early (XX/XX/XXXX)I reached out to Synchrony amount the incorrect amount owed and they told me that the account number was no good, that it had been canceled and moved to a new account.  I was at this point very frustrated and asked synchrony if I could just do this online since I needed to get payment out quickly to accommodate their due date that was not movable despite all the confusion.  They said yes but that it would require the new account number and they refused to give this to me stating that I would have to wait on it to come in the mail?!!??!?!?!Well I received a new statement the week of first bill being do and it was a carbon copy of the first statement they sent me!  same, unusable account number etc.I reached out to them today to find out what I needed to due, and they argued with me that the statement was correct - despite after checking the account number and showing a XXXX balance ?!?!?!?!