davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-01
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

TRANSUNION HAD A " SERVER ERROR '' XXXX. TRANSUNION DELETED A TON OF INQUIRIES FROM CONSUMER 'S CREDIT REPORTS THEN PROCEEDED TO PUT THEM BACK ON THE CONSUMER 'S CREDIT REPORTS. TRANSUNION FAILED TO FOLLOW THE LEGAL PROCEDURE TO ACTUALLY DO SO!. I CALLED TRANSUNION @ XXXX AND SPOKE WITH A REP, A SUPERVISOR, AND SPECIAL HANDELING THAT VERIFIED ( ON RECORDING ) THAT I WAS A VICTIM OF THE " INQUIRY ISSUE '', THE CUSTOMER SVC REP WOULD NOT HELP ME AND DID NOT TAKE CARE OF THIS TO DELETE THE INQUIRIES FROM MY CREDIT FILE EVEN AFTER VERIFYING THAT I ( IN FACT ) WAS A VICTIM. THE CUSTOMER SVC REP THEN VERIFIED THE ACCOUNT INQUIRIES LISTED HERE : XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX   XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. ALL OF WHICH THESE RESULTING IN MULTIPLE INQUIRIES AND DUPLICATE INQUIRIES ON MY TRANSUNION CREDIT FILE.
Consumer complaint received 2018-02-28
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Medical Data Systems, Inc. (NY)

On XX/XX/2018 {$2500.00} was charged to my credit card for a previously negotiated settlement from XXXX XXXX XXXX ( Medical Data Systems ). I originally owed around {$6000.00} for an inpatient hospital stay at XXXX XXXX XXXX. I was contacted by a debt collector from XXXX XXXX XXXX stating that if I paid them {$2500.00} " today, '' my debt would be zero 'd out ; stating that his supervisor approved this negotiated settlement. I borrowed the {$2500.00} from my parents and paid this debt. I was advised that they would mail me a confirmation letter stating I had a {$0.00} balance, which I never did. on XX/XX/2018, I received a phone call from XXXX, a debt collector at XXXX XXXX XXXX, stating that the original debt collector XXXX " made a mistake '' and " was not meant to offer this much of a discount, '' as this was not approved by XXXX XXXX XXXX ( even though it was approved by the debt collector 's supervisor ). When I asked to speak to XXXX 's supervisor XXXX, XXXX then stated that XXXX was " new '' and that they were " dealing with this mistake internally. '' XXXX told me that he would refund the money ( the agreed upon settlement of {$2500.00} ) and then set up a new payment plan for the entire amount originally owed. I told XXXX that when XXXX set up this agreed settlement, he violated the Fair Debt Collection Practices Act by falsely misrepresenting what I owed in order to settle the debt. I even called on the morning of XX/XX/2018 to ensure that the payment went through and that everything was all set, and was advised again that everything was good on their end and that they would mail me a confirmation letter, which I did not receive. XXXX falsely misrepresented my debt and falsely led me to believe that if I paid a large lump sum at once, my debt would be settled. I did not agree with a new payment plan with XXXX XXXX XXXX at this time as I believe this debt collector acted unfairly and unethically. Since this was an internal mistake ( after I already paid my agreed upon settlement ), XXXX XXXX XXXX should have to honor their initial settlement agreement with me despite them now having to lose money. I was just on the phone with XXXX for 25 minutes and have the entire phone conversation recorded, where he stated in detail in the conversation the initial agreed upon settlement and that it was an internal mistake that " they were dealing with. '' The audio file is 12.5 mb so I am unable to upload it to this file ( 10 mb max ). If an email can be provided, I will be happy to forward this audio file. Thank you.
Consumer complaint received 2021-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

To whom this may concern all 3 bureau TransunionXXXX XXXX and XXXX are reporting misleading and false information on my credit report. They are in violation of 15 usc 1681b ( a ) ( 2 ). Which states that a consumer reporting agency can only furnish a consumer report with my written instructions. I am seeking litigation for my rights being violated and the stress that all 3 bureau have caused. I demand any unauthorized misleading inquires and negative accounts that are negatively reporting on my credit report be removed. And all inaccurate late payments be correct to payed as agreed.
Consumer complaint received 2021-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Enterprise Acquisitions (VA)

Hello ; I rented a car in XXXX of 2013, and had an accident. 
My insurance paid Enterprise most of the amount and i paid the rest, which was my deductible.. 

Thursday of last week a car ran into mine while i was parked, and the other drivers insurance company agreed to pay for a rental for me, from Enterprise, while my car was in the shop. 

The first enterprise i was at said i was on the " do not rent list '' because i owed XXXX from 2013. 

I called the collections department, and all they had to do was look me up, check the files, and sure enough they had records saying i owed nothing with out me having to print out supporting documents from my bank. 

However, they are refusing to send me proof that i have paid my account off, and they are also refusing to contact and update the three credit agencies. 

All I want is written confirmation of what they already told me over the phone, and a copy of the letter to the credit agencies. emails would be fine but they refuse to do that.
Consumer complaint received 2018-02-28
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Enterprise Acquisitions (PA)

Enterprise rent a car in XXXX PA employees discriminated against me and my mother for having Spanish names, refusing to take payment for a car rental, even legal tender as dollars in cash. Threatened my mother with reporting the car I had just returned stolen for not paying the bill they refused to take payment for. This happened today XX/XX/18. I have video evidence of the returned vehicles perfect state. We immediately called XXXX police non emergency number and spoke with officer XXXX, as they threatened to report the car I just returned stolen, and I spoke with enterprise corporate who assured me they would look into this. I also tried contacting the through social media but received no response. And now I wait for them not to do anything and allow racists to keep working for them.
Consumer complaint received 2022-04-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

identity theft ... ive been XXXX  in XXXX since appx XXXX and yet still get credit opened falsely in my name in USA and XXXX ...... please not all my credit info was taken by XXXX and XXXX,,,,, ,my property, money, I.Ds and how can i complain if i dont have a usa address ... XXXX address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX how can i live survive without credit? what did XXXX do? i am not let to get an anual report free... i am a us XXXX XXXX XXXXXXXX XXXX XXXX veteran please help my email is XXXX XXXX
Consumer complaint received 2020-11-23
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: JPMORGAN CHASE & CO. (NH)

On XX/XX/XXXX I received a text message from Chase letting me know that they have declined a charge for {$89.00} from XXXX XXXX as they have identified it as a fraudulent charge. The prompt asked me to reply YES if it was me or NO if it was not me. I replied NO and received a message back saying that Chase has closed my card and will be sending me a new card. The charge was listed as " Pending '' on my statement. 

On XX/XX/XXXX I noticed that the charge was marked as posted, despite the fact that I let Chase know on XX/XX/XXXX that it was fraudulent. At XXXX XXXX  ET I called Chase to inquire about this and was transferred to their outsourced support team who let me know that the scammer tried charging my card 5 times - one of which went through and 4 of which were blocked. He said that he will indicate that all transactions were not approved and that he will mark it as fraudulent. He abruptly ended the call before confirming that this was processed, and did not let me know if I will be receiving a credit. 

On XX/XX/XXXX I called Chase at XXXX XXXX ET to find out. The support rep let me know that a new card was issued and that I " might '' see a credit within 2 statement periods. 

On XX/XX/XXXX I contacted Chase support via XXXX and was told that there was nothing they could do and to contact Chase support via phone again. 

Per Reg E, I have fulfilled my duties in letting Chase know in a timely period that this was a fraudulent transaction. Additionally, per Reg E and my cardholder agreement, I will be not be financially responsible for fraudulent charges, provided I let Chase know. I've let Chase know 3 times ( this CFPB complaint is the 4th time ). I demand an immediate credit on my statement of {$89.00} showing that Chase acknowledges this transaction as fraudulent, written acknowledgement from Chase as to my fulfillment of these terms, and a guarantee that I will not be financially responsible for this charge, or any fees relating to this charge ( interest, etc. ), as I have fulfilled my duties in letting Chase know of a fraudulent charge. 

Finally, I ask for Chase to re-train their support teams to make sure they are aware of both Reg E and the cardholder agreements with reference to disputing fraud.
Consumer complaint received 2022-04-07
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. ()

identity theft ... ive been DEPORTED in XXXX since appx 2009 and yet still get credit opened falsely in my name in XXXX and XXXX ...... please not all my credit info was taken by XXXX and XXXX,,,,, ,my property, money, I.Ds and how can i complain if i dont have a XXXX address ... XXXX address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX how can i live survive without credit? what did XXXX do? i am not let to get an anual report free... i am a us XXXX honoribly XXXX XXXX  XXXX XXXX please help my email is XXXX XXXX
Consumer complaint received 2021-07-17
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. (AZ)

Last XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-07-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

For the dates listed XXXX, and XX/XX/XXXX, I sent a request to have late payments removed for the following dates, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX due to me being in a natural disaster ( Hurricane XXXX ) and the Pandemic ( Covid 19 ). Capital one has refused to add a natural disaster code so that the late payments do not affect me negatively. I have also requested that the late payments be removed being that I made all my payment on time up until I was affect by the natural disaster and the pandemic. I received no notices from Capital one auto loans on a plan they had in place for consumer affected. I would like for Capital One to remove these late payments and provide proof that I was notified of the late payments in a timely manner to avoid the late payment being reported to the three major credit bureaus ( XXXX XXXX XXXX ). I am also requesting that these late payments be removed within 30-45 under the Fair Credit Reporting Act.
Consumer complaint received 2020-10-29
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. (DC)

i paid my credit card balance in full for the last month. as starting from XXXX $ balance. Experian lowered my FICO score 25Points for paying the full credit card debt. 

i called and talked to the rep from Experian and was told there is nothing they can do. 
why my credit score is decreased instead of going up by paying my credit card in full. 
i am still using the credit card and have XXXX $ as of today and will be paid next month. 
i am working as an XXXX XXXX and lowering my FICO will hurt me in term of getting jobs.
Consumer complaint received 2020-12-03
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. (FL)

I have resorted to submitting this complaint because the bureaus have been ignoring my disputes and I have not known the status of them. So the bureaus have 30 days to respond and I have been submitting disputes since XX/XX/XXXX without any response from the bureaus. I hope you can help me resolve this situation with them.
Consumer complaint received 2021-07-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (TX)

I ask at this time to terminate the lawyers that you hired to process a summary judgment against me, as this firm simply violated my right by not serving the necessary complaint. I am open to negotiate directly. Please feel free to call me directly, and leave a call back message in case I can't answer. I did call in with an agent and was given three different settlement offers, so your company is open to this. I also requested a true copy original of the Bill of Sale, showing true ownership of the debt. XXXX XXXX
Consumer complaint received 2021-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XXXX, I check my credit through XXXX  's website and i noticed a fraudulent account on my credit report along with a bunch of unauthorized credit inquires. Before reaching out to XXXX, XXXX  and transunion directly, i took the time to reach out to each and every company that the fraudulent account and credit inquires was submitted. I did not do business with such company. I always get email from XXXX  stating that my information was on the dark web. I was also affected by the XXXX  breach. I have attached the identity theft report along with my social and drivers license.
Consumer complaint received 2021-05-26
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 (MD)

Capital One Credit Card closed my Account without any notification nn the XXXX of XXXX. I had paid my account balance down from XXXX to a Balance of {$190.00} on the XXXX of XXXX. I had made payments on time and the balance report after closing my account is inaccurate and as a result dropped my credit Score by a total of 50 points. 

My Credit Report is still showing a balance of {$450.00} rather than {$190.00} which as a result drastically Increased my overall credit Usuage to 154 %. 

I contacted the Bank to accurately report the right information and, Advisor said its the Credit agencies job to report ...

I would like Capital One Credit Card to report the right Information has this has significantly impacted my Credit.
Consumer complaint received 2021-05-05
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I received a notice via the CFPB from your firm stating that my complaint requesting the erroneous, inaccurate, and incomplete items on my report to be deleted was not me. I assure you that it was in fact me who filed my complaint due to the negligence your company has shown in reference to my credit report and my complaint.. In fact if you do not honor my original request to delete the items contained in my previous letter, dated XX/XX/21 sent via certified mail, I will file a complaint with the Federal Trade Commission against your company. 

This is my 2nd attempt to get this matter resolved. My 1st attempted complaint was sent to the CFPB XX/XX/21. Any further attempts will include additional complaints to the XXXX, FTC as well as my States Attorney General.

The listed item is completely inaccurate and incomplete, and is a very serious error in reporting. Please delete this misleading information, and supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. Under federal law, you have had 30 days to complete your investigation, and you have failed to respond with in that given amount of time. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well.
Consumer complaint received 2021-11-03
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: EQUIFAX, INC. (DE)

I have been disputing some incorrect information in my credit reports since XX/XX/XXXX. On XX/XX/XXXX I sent dispute letters to the credit bureaus regarding the inaccurate information listed by 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 XXXXXXXX XXXX and XXXX  XXXX XXXX. After not hearing back from the credit bureaus and not receiving any responses, I sent another sent of dispute letters via mail to experian, equifax, and transition on XX/XX/XXXX. No response again. So on XX/XX/XXXX I sent another set of dispute letters to the 3 credit bureaus on XX/XX/XXXX. I don't understand why I am being ignored! I have sent 3 dispute letters to the 3 credit bureaus each and not one response! I am requesting the removal of the disputed accounts due to the credit bureaus not responding and failing to comply with the law. It's been more than 4 months and NOTHING! This is ILLIGAL! Please investigate this case and have XXXX, equifax, and transition remove 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 and XXXX  XXXX XXXX  from my credit reports .
Consumer complaint received 2022-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (MS)

Im missing a credit card that should be on my credit profile it is on my husbands credit report and not on mine. The credit card was with XXXX. It was opened XXXX XXXX. Its missing on my profile, it said status updated on XX/XX/2017. It was a joint account, underwritten by XXXXXXXX XXXX
Consumer complaint received 2022-04-07
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: TRUIST FINANCIAL CORPORATION (TX)

The Credit Bureaus never did a proper " Investigation '' according to the FCRA. The term investigation consumer report means a consumer report or portion thereof which information on a consumers character, general reputation, personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They did not do this. Also, they have violated my rights even more in accordance with the Fair Credit Reporting. Everything has to be 100 % accurate on my credit report. The Credit Bureaus stated my account was properly investigated by how is that possible if the open date is inaccurate, the date last active is inaccurate, and laste last reposted is not accurate. This is ground or removal. They also violated the law because according to 15 U.S.C 1681 section 602A states I have the right to privacy. 15 U.S.C 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. I did not give anybody written instructions