davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-12
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 (GA)

I used my Capital One XXXX card to guarantee 2 hotel rooms for XXXX XXXX XXXX XXXX on XXXX   for the nights of XX/XX/XXXX & XX/XX/2018. The price for these rooms was XXXX euros.

However, my friend, who was in the room with the king sized bed, was to make payment for both rooms for both nights. In fact, I was standing at the desk when he told the clerk to use his card to make the payment for both rooms. He has since checked his credit card statement and he was charged for the two rooms for both nights. I sent proof of this to Capital One 's transaction dispute department in the form of the statement from my friend 's credit card. He was charged a total of XXXX   euros because he had an additional XXXX euros worth of bar charges and for items from the mini fridge in his room.

I contacted Capital One on XX/XX/XXXX to let them know about this. Since my first contact with them I have been required to send proof FOUR TIMES that the rooms were already paid by my friend. Initially they credited my account for both nights advising me to keep all records on hand for 90 days until the hotel had a chance to respond.

I received notification from Capital One on XXXX XXXX stating that the hotel had sent proof verifying that the charges were correct. Mind you, this is outside of the 90 day window for the hotel to respond. The " proof '' they sent was a copy of my credit card receipt signed with my friend 's name. However ; it is not my signature nor that of my friend as he had already paid for the rooms with his XXXX XXXX. I sent Capital One copies of my signature and his to show that it was not either of our signatures on the receipt. Not to mention they received copies of his credit card statement four times prior showing that the rooms were paid.

If the charges were correct, then why is Capital One only making me pay for one of the nights for one of the rooms and not for all of the rooms for all of the nights? Why did they give me a statement credit for one night for one room, but are insisting I owe for the other room? I also asked for assistance in what to do about someone fraudulently signing my card and the case manager simply stated that the matter is closed as far as she is concerned.

I will close my account with Capital One and advise others not to use them. Why would I want any of their credit cards if they don't have my back when a merchant is attempting to steal from me?

What's in your wallet? I hope it's not Capital One.
Consumer complaint received 2018-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (TN)

There is a student loan account from NAVIENT SOLUTIONS that is reporting late payments from when I was enrolled in school full time and should have reflected deferred payment, NOT late payments. It's correct that I did settle the account for less then the high balance of {$8400.00} after negotiation with NAVIENT per my family hardship - but it is NOT correct that I was ever late ; as these payments would have been deferred since I was in college at the XXXX XXXX XXXX in XXXX XXXX Florida.
Consumer complaint received 2018-11-22
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: General Motors Financial Company, Inc. (IN)

On XX/XX/2016 I went in to XXXX XXXX XXXX in XXXX, Indiana. I went to look at lease end options, and was considering switching to a used XXXX XXXX. I was given an option to upgrade my lease, and get a XXXX   XXXX with features I wanted for XXXX/m. I was told GM had a special they where running, and they would pay the last five payments. I was also told that the milage I was over would possibly be forgiven, and I would need to call and speak to GM Financial. I asked how soon I would be able to speak to them, and the sales agent said he would provide me the number. Then it turned into I would need to wait until I got the bill in the mail. I took the car home for the weekend while they figured out the financing. I then went back and signed everything thinking everything was fine, and had to go back again to the dealer a second time because they didn't do the deal right. A year later I received a bill for the lease I traded for the new lease. I reached out to the sales person and was told they sent payment. I reached to gm financial and they said they did not. I have been working with the dealer to try to correct, but have been unsuccessful and been given the run around. I also filed an official complaint with GM Financial, and was not even called back about the situation. Spoke to sales manager in XX/XX/XXXX no luck, and spoke to General Manger last month and no call back. Some where someone dropped the ball, and they are not wanting to take honorship. I feel there is something that needs to be addressed, and even requested a copy of the deal but was told it was too long ago to possibly find. This is reported to my credit report and has been affecting it for over a year.
Consumer complaint received 2023-07-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: ALLY FINANCIAL INC. (OH)

Recently with Ollo Credit Card CompanyXXXX XXXX XXXX Then Ollo went to XXXX a few months ago. 

Then Ollo changed over to Ally. 
who is now telling me my interest charge is XXXX I called and asked them to lower it and some woman name XXXX who said she was a finance manager told me No.
Consumer complaint received 2023-07-24
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: EQUIFAX, INC. (GA)

I am a victim of identity theft. I am filing this complaint for myself to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2018-11-22
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : Even there is difference reporting status among all the 3 credit bureaus - XX/XX/XXXX & XX/XX/2017 - 30 days late ; I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2023-07-31
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: Early Warning Services, LLC (WI)

Please see attached- Dear CFPB. I am a victim of identity theft. Early Warning Services has been reporting multiple fraudulent accounts to my consumer file that were not opened by me. This has been preventing me from opening bank accounts across various banks. I want these accounts removed from that file immediately.
Consumer complaint received 2019-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc. (FL)

I am a new employee   at XXXX XXXX XXXX. I applied for a store credit card on XX/XX/19 so that I can enjoy my employee discount. Several days went by and I had not received the new credit card. XXXX advised that I wait until I received a letter. I received a letter yesterday ( XXXX ) saying that XXXX XXXX  who issues XXXX 's credit cards could not grant me credit based on information they had received from a consumer reporting agency. The agency reported that I was deceased. Ironically I have four existing accounts with XXXX XXXX   from other retailers. The consumer reporting agency that inaccurately reported this information is Sagestream LLC, XXXX XXXX XXXX XXXX XXXX, CA XXXX. Their phone number is XXXX. Unfortunately there is no option to speak to a representative. The system just asks for you to leave your information and they will call you back. They have not responded to me. They were in fact in my correct credit file, as I can see the hard inquiry in XXXX XXXX and got an alert when they made the inquiry from XXXX. Their reviews on the internet are very concerning. They should probably be investigated. Thank you for your help, XXXX XXXX
Consumer complaint received 2019-09-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nationwide Recovery Systems, Ltd (WA)

Three years ago I received services at XXXX Hospital. I was never sent any bills stating that I owe them money. On my credit report it showed that I had an account in collection from XXXX XXXX XXXX XXXX. Now it shows on my account as a new collection as of XX/XX/2019. It states that my old collection has been sold to Nationwide Recovery and it appears that they have re-aged my collection information. 

I have not received any information that this account was sold.
Consumer complaint received 2022-04-05
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. (FL)

Keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. My information was impacted by the Equifax data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the FTC.
Consumer complaint received 2019-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

the student loan place on my credit report has not been verified with the origninal loan signed promissary note by the loan service company XXXX. The service company XXXX, told me they did not have the original promissary. so they put one together with the consolidate loan info, which also does not have my signature, an is not the orginal promissary note, they did not prove the load to be mine, besides the document they put together for the missing promissary not, they do not have attendance records or original loan documents. 

I need to have the loan removed from my credit report since they have not proven the loan to be mine.
Consumer complaint received 2021-07-11
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

On XX/XX/2021 I submitted dispute letters to all three credit bureaus, XXXX Equifax, and XXXX As of today, XX/XX/2021 I have not received any notification of the results of the investigation. I have made several attempts on XX/XX/2021, XX/XX/2021, and XX/XX/2021 to contact the agencies via telephone and was unsuccessful. I would like to know if the information has been removed or claim is denied.
Consumer complaint received 2019-09-05
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 — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

This letter is to inform you that the above referenced account being reporting by your company on my credit reports is hereby disputed for lack of completeness and/or accuracy. 
I recently disputed this account with the credit reporting agencies, and the information was reported as verified and accurate. Im sure we both understand that most disputes are often conducted using software, such as XXXX, and that mistakes can be made during that process. The software can also have limitations when it comes to completing a full and proper investigation of records. 
I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct an investigation to ensure the complete accuracy of the account being furnished to the credit reporting agencies. 
If youre unable to perform a reasonable investigation, or youre unable to locate the necessary documents to investigate my dispute ( s ) ; then you are required by the FCRA to remove the negative information from my credit reports, which can also include complete removal of the account. 
If you were able to conduct a proper investigation of the records for this account, and have identified information that was being incorrectly reported, please update that information on my credit reports to reflect the accurate information found during your investigation. 

I am also requesting that you send me an explanation of the methods used, and a description of the records reviewed, when you conducted your investigation ; including, but not limited to, sending a copy of that information to me so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed. 
This letter was completed and sent to you on my own accord, and all correspondence related to this dispute should be returned to me at the address listed above. This letter is an attempt to correct the false or misleading information you are reporting on my credit reports and to correct your records.
Consumer complaint received 2020-09-23
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. (FL)

I paid the debt for XXXX XXXX original creditor XXXX XXXX Bank. I asked XXXX XXXX to remove the account and they said they are not responsible to do so. 

I have paid the account in full and i would like it removed from my credit report especially as an open derogatory mark.
Consumer complaint received 2018-11-22
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 — Investigation took more than 30 days
Company: Navient Solutions, LLC. (FL)

Over the last couple of years I fell upon a tremendous financial hardship in that my XXXX XXXX   causing me to lose my job and file for XXXX ( which still has not been approved ). I advised Navient on my conditions and a forbearance agreement was animated on my account sometime in early 2017. Ultimately I was forced into bankruptcy. Navient was aware of my bankruptcy proceedings. shortly after my bankruptcy was discharged I AGAIN explained to Navient that my financial condition was no better than before my bankruptcy began and that I would need a more realistic solution to my hardship without it affecting my credit. They never offered me any type of a ZERO payment solution. What I can't understand is how our government allows for all this XXXX. 1st the XXXX of a private school loan not being discharged in a bankruptcy with my hardship conditions is flat out extortion supported by our lawmakers. Our Government  needs to publicly advertise that if you take out a private school loan you are better off owing the mob because at least the mob will forget your loan when they realize you can't pay. 2nd how does Navient get away with not offering a more " realistic '' solution like " NO MONEY PAYMENTS '' until ones financial situation changes? anyway enough with my rhetoric. One good thing that came into my life was my fianc. Last month he saw the torment I was going through and he made arrangements to pay off my school loan, stating " our government is designed to enslave it's people by design always was and always will be ''. HE IS 100 % CORRECT I '' VE LIVE THROUGH IT. In closing I asked Navient on numerous occasions to correct my credit reporting on the 120 days late payments to no avail. REAL RUTHLESS ORGANIZATION! So here is what brings this correspondence. Now my credit report reflects that I have paid my loan to Navient and the account is now closed. BUT MY CREDIT SCORE WENT DOWN AS A RESULT OF PAYING IT OFF AND THE ACCOUNT NOW BEING CLOSED. How is possible that I couldn't pay {$80.00} dollars a month for 4 months and that diminished my credit worthiness to garbage status and after I payoff {$3300.00} due to Navient that it goes down even further with the credit reporting agencies. Obviously it all must be by design, correct? Navient has received ALL the monies they were do inclusive of any late payments. I had ONE simple request that they provide a correction to my credit reports on the late payments as a result of the ongoing hardship. WHAT'S THE PROBLEM? REMOVE THE LATE PAYMENTS OR IS IT TRULY BY DESGN THAT OUR GOVERNMENT GIVES YOU SO MUCH POWER TO TORTURE ITS CITIZENS?
Consumer complaint received 2019-01-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Automated Collection Services, Inc. (GA)

Automated Collections (XXXX) turned my account over to the Credit Bureau on XX/XX/XXXX. The two items were for XXXX each from a XXXX  that saw my daughter in XX/XX/XXXX. At that time my wife and I were separated and the kids lived with her, in XX/XX/XXXX my wife and I divorced. I never was told about these invoices. Once, I was made aware of  these charges by the collection agency I immediately contacted the collection agency and paid both invoices for XXXXXXXX each and was told that they would resolve the issue with the Credit Bureau. This has not been resolved and is negatively affecting my credit/score. I have always paid my bills on time. Please help..
Consumer complaint received 2022-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA (NY)

I had an auto lease with Kia Motors Finance they are a division of the Hyundai Capital America that was just found to provide inaccurate info on credit reports. I paid my lease in full, as the document I uploaded shows. When the pandemic started in XX/XX/XXXX, I called XXXX to ask what to do if everything shuts down before XX/XX/XXXX when my lease ended. They told me that as long as all my payments are made, I can bring the car back to the leasing dealer " anytime before XX/XX/XXXX without penalty '' or that I could keep the car until things open back up and continue to pay monthly payments. I opted to bring the car in on or about XX/XX/XXXX just before NY state shut down for about 18 months. In XX/XX/XXXX ( letter also uploaded ) XXXX contacted me stating that I had terminated my lease early and was being penalized. I responded ( letter uploaded ) explaining what I stated above. I thought the issue was resolved as I heard nothing else from them. In XX/XX/XXXX, I attempted to get a new mortgage and learned that XXXX has started identifying my CLOSED account as delinquent. I have attempted to dispute this with each of the XXXX credit bureaus to no avail. I have written XXXX letters to XXXX since discovering this credit report issue. They have not responded. I have tried to call XXXX but get hung up on after several transfers. I do not know what to do and am now in a position of them damaging my credit. I have NEVER defaulted on any payment in my life. The power that both XXXX and the credit bureaus have to dictate my credit with lies is completely unfair. I have no ability to fix this on my own and need assistance.
Consumer complaint received 2021-07-11
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2021 I submitted dispute letters to all three credit bureaus, TransUnion, XXXX  and XXXX. As of today, XX/XX/2021 I have not received any notification of the results of the investigation. I have made several attempts on XX/XX/2021, XX/XX/2021, and XX/XX/2021 to contact the agencies via telephone and was unsuccessful. I would like to know if the information has been removed or claim is denied.
Consumer complaint received 2022-07-26
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. (NY)

I had an auto lease with XXXX XXXX XXXX they are a division of the XXXX XXXX XXXX that was just found to provide inaccurate info on credit reports. I paid my lease in full, as the document I uploaded shows. When the pandemic started in XX/XX/XXXX, I called XXXX to ask what to do if everything shuts down before XX/XX/XXXX when my lease ended. They told me that as long as all my payments are made, I can bring the car back to the leasing dealer " anytime before XX/XX/XXXX without penalty '' or that I could keep the car until things open back up and continue to pay monthly payments. I opted to bring the car in on or about XX/XX/XXXX just before NY state shut down for about 18 months. In XX/XX/XXXX ( letter also uploaded ) XXXX contacted me stating that I had terminated my lease early and was being penalized. I responded ( letter uploaded ) explaining what I stated above. I thought the issue was resolved as I heard nothing else from them. In XX/XX/XXXX, I attempted to get a new mortgage and learned that XXXX has started identifying my CLOSED account as delinquent. I have attempted to dispute this with each of the 3 credit bureaus to no avail. I have written 2 letters to XXXX since discovering this credit report issue. They have not responded. I have tried to call XXXX but get hung up on after several transfers. I do not know what to do and am now in a position of them damaging my credit. I have NEVER defaulted on any payment in my life. The power that both XXXX and the credit bureaus have to dictate my credit with lies is completely unfair. I have no ability to fix this on my own and need assistance.