davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-30
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

On Tuesday, XX/XX/2018 XXXX AM, I received a fully booked invitation to visit the " XXXX XXXX '' ( An Independent Indian Tribe Local Government in Oklahoma ), this invite included the Flight, the hotel and a rental car. Everything was accurately planned and scheduled and sent to me. 

XX/XX/XXXX, I traveled without any problem, picked the car, checked in at the hotel with no problem at all. 
It is the norm that I authorize the incidental costs on my credit card, I never had a problem. 

Everything went so well, I returned the car, with the gas tank half-full and I did return it on time as it was sent to me in the plan I had in hand. 

Thu, XX/XX/2018, I was hit by a charge on the car rental, I called and emailed customer service of " XXXX XXXX XXXX '' to investigate about that charge, and I was nice enough to say if you want to charge me about the half tank gas, it is OK, you can charge me for the full tank as per the price agreed upon and return the rest of the money. 
I requested a bill, they actually did send me a bill of {$130.00} that includes the whole thing with the rental ( that was paid for already ) with the gas with everything, I called my bank ( Capital One ) to dispute and a nice lady interfered and I stayed over an hour on the phone, 1- If my total bill is {$130.00} only why am I charged with {$170.00}? 
2- I claim that I owe them only half a tank which is according to the prices is {$38.00}. 

They offered to give 50 % discount, convincing us to get 50 % of the {$170.00}, which I hatefully agreed on and I was refunded {$19.00}. 
I rejected that refund while I was still over the phone with my bank and the merchant. 
I tried so hard to have answers for the above 2 questions. I never succeeded. 
The banker agreed to give me 100 % refund and asked me to submit all the documents I have that prove my trip was fully booked. 
I did provide all the documents I had which show clearly my point. 

XX/XX/XXXX, I found that I was re-billed the amount .. 
I called again, my bank, the banker confirmed they received all my documents and he was confused, struggling with words and told me that I had to talk to his manager.

The manager, she can not do anything about it and I will have to go to the Merchant to bring a signed bill because they do not know how much to charge me.

She wanted to convince me that {$170.00} is the price of the gas and that {$19.00} is half of the price of the gas. She did not make any sense, I have all the phone records ( as they do ) and all the documentations as well.. I am ready to escalate this to the court if this is not resolved.
Consumer complaint received 2019-02-11
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. (NY)

I went to my bank to get a loan for XXXX school and was declined. I have been with XXXX XXXX for 10 years and they still denied me because of items on my credit that are not mine. Im asking that you remove those items. This is holding me up from getting a loan for school. XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX ( its two of those ), XXXX XXXX and XXXX XXXX. I also saw some addresses that I have never lived at. My only address is XXXX XXXX XXXX, XXXX NY XXXX. Please also remove these addresses as they are not mine:XXXX XXXX XXXX, XXXX , SC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX , XXXX, GA XXXX. There is also a bankruptcy showing on my credit and Im not sure how that is possible, I have never filed for bankruptcy. My family dont believe in unpaid debts. Please have this bankruptcy removed as well. I spoke with US Bankruptcy court and they do not show a record of bankruptcy under my social. The Bankruptcy attorney advised me to contact XXXX   XXXX  and they also verified that I do not have a bankruptcy. I'm doing this on my own behalf and need your assistance if possible. I have also contacted the police here in XXXX and the FTC.
Consumer complaint received 2022-08-18
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. (GA)

XXXX XXXX XXXX told me they would correct the inaccurate information on my consumer report but has yet to do so. XXXX XXXX XXXX had a billing error on my account and didn't mark the account as disputed. The inaccurate information on my consumer report has stopped me from being able to apply for credit. This has been very stressful and has made my life hard. I was told the information would be corrected from XXXX XXXX XXXX but they have yet to correct the information on my consumer repoort.
Consumer complaint received 2022-08-18
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. (GA)

XXXX XXXX XXXX told me they would correct the inaccurate information on my consumer report but has yet to do so. XXXX XXXX XXXX had a billing error on my account and didn't mark the account as disputed. The inaccurate information on my consumer report has stopped me from being able to apply for credit. This has been very stressful and has made my life hard. I was told the information would be corrected from XXXX XXXX XXXX but they have yet to correct the information on my consumer repoort.
Consumer complaint received 2019-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX  XXXX XXXX ; XXXX XXXX XXXX XXXX and XXXX XXXX XXXX
Consumer complaint received 2018-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

I am filing this complaint because Experian did not help me remove the accounts after so many attempts of writing dispute letters.. I asked for evidence, any documentation that could prove the accounts are my responsibility but they didn't..CFPB step up and remove XX/XX/XXXX/XX/XX/XXXXXXXX
Consumer complaint received 2023-07-12
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. (FL)

HELLO, MY IS XXXX XXXX AND I AM MAKING THIS COMPLAINT BECAUSE I HAVE TRIED MULTIPLE TIMES TO DELETE THIS INFORMATION FROM THIS ACCOUNT FROM MY CREDIT INFORMATION, SINCE I WAS NOT THE ONE WHO APPLIED FOR THIS ACCOUNT, MY PERSONAL INFORMATION, FOR EXAMPLE THE ID AND THE SOCIAL SECURITY WERE STOLEN, THEY WERE USED TO OPEN MULTIPLE ACCOUNTS IN A FRAUDULENT WAY, ONE OF THE BANKS AFFECTED WAS THE CARD ( XXXX XXXX XXXX ) WHICH CURRENTLY HAS A BALANCE OF {$2200.00} THAT WAS OPENED AS A FRAUD, I DEMAND TO DELETE THAT ACCOUNT FROM MY CREDIT REPORT, I MADE AN IDENTITY REPORT ADDING THIS ACCOUNT TO THE IDENTITY THEFT REPORT SO IT CAN BE REMOVED FROM MY CREDIT REPORT THANKS... 



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 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 2022-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

When i went to apply for a car XX/XX/2021 the company told me that they were only gone run my credit for one place and they ran it for numerous of loan places which caused my credit to go down badly.
Consumer complaint received 2023-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I have disputed a late payment on my XXXX XXXX credit card with XXXX and Transunion and they keep telling me that the late payment has been verified, the problem is that neither XXXX or Transunion ever provided me with the proof that I need and that I requested from them showing me that the late payment on the account is accurate. I asked both of the credit bureaus for the bank statement where it shows that I was ever late on this account and I have never received any proof from any of them. They are lying by verifying the information that I disputed, when in fact they never did an investigation on the late payment because the investigation only took 5 days for them to answer me back. I want the bank statement from the creditor where it shows that I was late on the account and that I was late on the say that they are saying that they verified.
Consumer complaint received 2019-04-04
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc. (MA)

Good Afternoon : Please clarify the payment status, comments, balance and account number as they might be erroneous. Correct or delete them from my credit report altogether. You are describing this account type as a loan when in fact the alleged agreement is known by its governing laws as a credit sale. There is no loan agreement in place. No goods or money have been loaned. I'm pretty sure it is a violation of the FCRA to knowingly furnish or report false information. Please delete this item within the time allowed under the FCRA.
Consumer complaint received 2019-02-11
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

TransUnion credit burea said that this debt would be removed by XX/XX/XXXX which is 7 years after the debt. When I contacted them they changed and said it will remain until XX/XX/XXXX. They also keep updating it on my credit report. The company they are reporting is XXXX XXXX XXXX
Consumer complaint received 2019-04-04
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: JPMORGAN CHASE & CO. (MN)

In the beginning vehicle was leased directly from the dealer in the end of lease it was bought and loan was financed by " Chase Auto finance " XXXX XXXX TX on XXXX XXXX and paid off in XXXX with XXXX balance. My wife was driving this vehicle after paying off this vehicle she bought the new vehicle with the idea to sell the used one. My wife told me she will sell the car because she need some money for to pay off her some personal debt. We have two car garage this used vehicle parked on the drive way ready to sell it but " Chase auto finance '' never sent the title back I called them several time. Few months ago I called the Finance company why didn't they send the Title their answer was we owe them {$580.00}. that's why. " I told them we cleared the balance '' and monthly payment was {$360.00} how it became {$580.00} do you any proof of the written notice for that balance? the agent didn't give proper answer .Car is on the driveway more 5year battery was dead. one day I called the mechanic he started the car and tried put the gear car was not catching the race. He checked that the Transmission it was dead because there was no activity in the engine from such a long time. Car value was XXXX dollar at that time now some body is not paying even $ XXXX XXXX even we can't sell it without Title
Consumer complaint received 2019-04-04
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Dynamic Recovery Solutions, LLC (NJ)

On XX/XX/XXXX a company by the name of Dynamic Recovery Solutions contacted my HUSBAND and informed him they were calling about an {$8000.00} debt from XXXX for me from XXXX  XXXX. have not received a call from them. I have no proof of this debt, nothing was mailed to me. I also currently have 4 accounts with XXXX XXXX. If I owed them money in the past why would they have approved me for new accounts? My debts, if this is even a valid debt should be discussed with no one but me.
Consumer complaint received 2019-04-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Paramount Recovery Systems, L.P. (SC)

Paramount Recovery ( XXXX  ) is attempting to collect a debt from me. They claim that I owe {$1100.00} for an emergency room visit. Originally I agreed to a one time payment of {$210.00} - using my XXXX Credit card, because I believed they were the company that was appearing on my XXXX   credit statement. I reached out to XXXX to confirm, and they could not verify that Paramount Recovery was responsible for any debt belonging to me.

Paramount Recovery is attempting to collect a debt of {$1100.00}, from an emergency room visit to XXXX XXXX XXXX XXXX ( XXXX XXXX ) from XXXX of XXXX. However, I was not seen during that time. I was seen in XXXX of XXXX, and I have paid my debt to XXXX XXXX - verified by Equifax that I owed the debt to XXXX XXXX. 

Once I discovered I did not owe to Paramount Recovery ( XXXX ), I reached out to them and asked for verification letters. I never received them. 

When I did not receive verification, I contacted them again and requested a claim dispute, and a reimbursement of the payment I had made. They said they would reimburse my account and send a dispute claim letter. I have not received a dispute claim letter or a reimbursement. 

On Monday XX/XX/XXXX, Paramount Recovery charged my credit card AGAIN for the amount of {$210.00} - without my consent. When I made my first payment, I gave explicit instructions to contact me prior to any new charges, and I told them I would not be making any more payments without receiving verification of debt letters. 

At this point, they have charged me {$420.00} XXXX only {$210.00} that I consented to - and I have repeatedly asked for a reimbursement on the original charge of {$210.00} - since they have not provided me with a validation of debt owed ). 

I am very worried they will continue to charge my account. The last charge of {$210.00}, which they made XX/XX/XXXX, was made without my consent.
Consumer complaint received 2019-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX  and Transunion are reporting incorrectly that I am 90 days past due on XXXX XXXX  - partial account number XXXX. ( Please see page XXXX of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2019-04-01
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. (ME)

I submitted a Dispute and on XX/XX/2019 it was removed by Equifax. On XX/XX/XXXX they resubmitted the item on my report.WITHOUT send or Notifying me in any way! FCRA says I am supposed to be notified within 5 days. I never received anything! XXXX and XXXX, are not doing this ... ONLY EQUIFAX!!! 

XXXX XXXX XXXX {$280.00}
Consumer complaint received 2019-02-11
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (IL)

I applied for a loan modification in late XXXX after my divorce. I began the process and submitted necessary documents in XXXX. I kept having to resubmit documents however they collected everything in XXXX and I was notified in early XXXX that the modification was rejected I called for a reason on XX/XX/XXXX and rep advised that It was rejected because my loan was not eligible until XX/XX/2019 for an modification so I wasted 6-7 months working and waiting on something they knew was not possible and never advised me until it was too late
Consumer complaint received 2023-07-20
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: Bread Financial Holdings, Inc. (FL)

on XX/XX/2023 XXXX XXXX responded back to a dispute i had about an account that was created under my name fraudulently. They investigated and came to the conclusion that the account would be deleted as well as the inquiry that account made. When i called all the bureaus they stated that they dont have that information and the XXXX is still reporting. The account must be removed now because it does not belong to me. PER 15 USC 1681 B YOU ALL ARE BREAKING THE LAW. I DID NOT AUTHORIZE YOU ALL TO FURNISH THIS WRONG INFORMATION THEREFORE IT MUST BE TAKEN DOWN ASAP!
Consumer complaint received 2019-04-04
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: AES/PHEAA (GA)

I've requested XXXX XXXX XXXX to dispute the negative, derogatory past history on my account being that the account is current and any issues were satisfied. However they refuse to do so.
Consumer complaint received 2019-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: VW Credit, Inc (SC)

- Car leased from dealer XXXX XXXX XXXX, XXXX on XX/XX/XXXX - Account with VW Credit   was to be set up within 1 month - XX/XX/XXXX -When the account did not get set up, contacted the dealer and inquired about how/where payments could be made. Repeated the follow up till XX/XX/XXXX. Dealer informed there is issue with account set up, but accepted payments for XXXX, XXXX and XXXX via credit card with no account number available. See attached receipt dated XX/XX/XXXX for {$370.00} -Dealer sent new paperwork to be signed in XXXX, which was promptly done. VW Credit account no XXXX was set up in XX/XX/XXXX - AFTER payments were made - and immediately reflected account past due - On follow up with VW credit, they demanded letter from dealer stating payment was made - Dealer confirmed there was a miscommunication and that it is being sorted out. 
Attached email dated XX/XX/XXXX. Further assured they were working with VW credit to not report this to credit bureaus - Received call from VW credit customer support rep XXXX that the issue has been sorted, and adverse reports will be withdrawn - Located in credit reports of XXXX and XXXX in XX/XX/XXXX that adverse comments of 2 x 30 days past due were made despite assurances of not doing so - Followed up with dealer XXXX Mr XXXX and VW Credit Biz Dev Rep Mr XXXX XXXX, they accepted their error and assured to get the report fixed. Recvd attached letter dated XX/XX/XXXX, which is vague and does not expressively state " remove adverse remark ''
Consumer complaint received 2019-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX  and Transunion are reporting incorrectly that I am 60 days past due on XXXX - partial account number XXXX. ( Please see page XXXX of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2019-04-04
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (NJ)

Mr. Cooper approved XXXX XXXX for a modification on XX/XX/XXXX. There were acceptance documents due XX/XX/XXXX. XXXX made his trial modification payments in a timely manner each month. 
The acceptance documents were sent to a company not affiliated with XXXX XXXX XXXX XXXX. They repeatedly sent these papers to XXXX XXXX XXXX after we advised them repeatedly that XXXX was not represented by them. Mr. Cooper said they would send them to XXXX bankruptcy attorney and the attorney never received them. 
We finally received the acceptance documents and sent them the same day. They were processed by Mr. Cooper on XX/XX/XXXX. They advised the mod was closed but they would reopen it in 2 days because they understood they made a mistake. When we called to follow up 2 days later and they said there was nothing they could do, the mod was closed, and he could only short sell or do a deed in lieu. Further, they are unclear as to what they will do with the payments he made during his trial period.
Consumer complaint received 2019-04-04
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. (FL)

Equifax and XXXX are reporting incorrectly that I am 60 days past due on XXXX - partial account number XXXX. ( Please see page 13 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.