davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

XX/XX/2020 a letter of validation was sent to both XXXX XXXX XXXX and TransUnion to and unfamiliar account on my credit file I have not received any information back from either institution and they are severely over the FCRA 30 day response law. The account has been removed from XXXX  and XXXX  due to not being able to validate this account
Consumer complaint received 2020-05-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC. (OH)

I got a notification that my Ally Bank Account ( checking & savings ) was disabled for online login. I also got a notification that my mobile account had the pin change. As of right now, I have no access to my money and their recommendation is to call them. As of right now I have been on hold for over XXXX hours with no end in sight. I have bills to pay and not being able to access my account can be costly.
Consumer complaint received 2020-06-22
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I sent letters out certified over 35 days and have been notified. I feel like these guys are taking advantage of regular people. After recently reviewing my credit report I noticed several inconsistencies regarding the accounts information attached. I sent a second letter to Experian after 30 days because I haven't received and documentation.
Consumer complaint received 2020-06-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY (CA)

As of the date of this letter you XXXX XXXX  /Target XXXX has violated FCRA 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] 623 ( b ) ( 2 ) and 61 1 ( a ) ( 1 ) The CRA must give you all the relevant information within five business days, have also violated Section code 605 ( b )
Consumer complaint received 2020-06-17
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. (CO)

XXXX  ; Experian and XXXX  should not be reporting a collection/chargeoff in the amount of {$850.00} on the XXXX XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) My out-of-pocket expenses, as well as my deductible was met. Any remaining expenses should have been covered by my insurance and because these expenses were covered there is no outstanding balance due and nothing to collect/chargeoff. ( I have attached a copy of ( 1 ) spreadsheet outlining all outgoing expenses ; ( 2 ) insurance card ; and ( 3 ) letter for XXXX  XXXX XXXX XXXX. ) This false reporting of a collection/chargeoff is seriously harming my credit score and these line items need to be removed and/or updated to report accurate information. I have contacted the bureaus to fix this however, I have not been successful.
Consumer complaint received 2020-06-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I open business account with bank of America soon after my account was successfully open they frezze my account multiple time I try to call the fraud department to found out what happened no one will give me at correct explanation after contacting the customer service representative multiple times and going to the branch finally the release the hold soon after they did it few days later they put at hold in my Ccount again the Fter that I fax all my personal documents to the fraud department driver license copy social security card business license birth certificate light bill water bill with claims number attach i pay {$38.00} dollars to fax all this documents soon after that I call them two days later to request realeses of my business account with all my funds there finally they realeses the account but that same day XXXX XXXX from XXXX XXXX bank of America branch contacted me telling me that the reason I was having problems was because the bank during the opening of my new business account the bank add unauthorized person to my business account by error with my same name the only difference is his middle name but the rest of the name match my name this person was in XXXX XXXX bank of America office at the time she call me with police report requesting the bank to remove him from my account wish I never authorized this other individual lives 4 hr away from my city now the bank still holding my funds because supposedly Re investigating went they know already they make at mistake now I'm paying for their mustake and they avoiding me the only resling I get I have to wait being dealing with this bank error more them at week with no access to my funds dealing with pain and anguished I'm desperate dealing with covid19 loses now they holding my funds i try everything in my power im being verified by the bank multiple times I went to the branch 3 times they advoing me they not doing much for me just avoiding me I call the fraud department multiple times need help please ( XXXX ) XXXX
Consumer complaint received 2020-06-22
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: PNC Bank N.A. (PA)

Hello, I attended XXXX College and graduated in 2009. I had to take out private loans to afford college. It is over ten years later, and due to the always increasing interest, I have paid OVER {$30000.00} IN INTEREST ALONE! This means most of my private loans have only a fraction paid after over a decade. I actually had to enroll in a XXXX program and obtain more student debt to be able to make more money to pay off more loans. This vicious cycle has kept me up on so many nights, I can not even begin to count. I just need help. I have tried going through XXXX XXXX XXXX to talk to PNC, the private loan company, but they said there is basically nothing that can be done. I would love someone to help me with this.
Consumer complaint received 2021-02-03
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. (AR)

For the past month and some change, Ive been going to WAR with Equifax. I had a ton of inquiries that I truly didnt authorize. I sent a verification letter ; came back verified. Called Equifax to see what all I can do to get these removed they told me I had to call the creditors to request a Letter of Deletion. I called each creditor. Theyre telling me they have no record of my name in their system and stated they cant generate a Letter of Deletion to send to Equifax. Called Equifax back and stated that Ive done what theyve told me but the creditors arent budging. Sent a letter requesting the Method of Verification and requested specific DETAILS of their investigation ; results came back verified AGAIN!!! At this point, Im livid. I started becoming more aggressive, calling back-to-back, no support ... .no nothing! I had lack of support during this tedious process. I feel violated and compromised as well as devalued as a consumer! Below are the inquires I do not recognize : 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 2020-08-25
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. (SC)

The account with DEPT OF ED/ XXXX has been listed closed since XX/XX/XXXX! Now someone is magically reporting missed payments ( since XX/XX/XXXX & continues ) on this closed account that I know is inaccurate and a violation because there should be NO ACTIVITY after the close date! I've sent in several disputes and attached proof that may help with the removal of the account but Equifax, XXXX, and DEPT OF ED/XXXX refuses to remove the inaccurate accounts and continues to violate my rights per FCRA!
Consumer complaint received 2021-02-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (FL)

I complained about this credit card Company back in XXXX about proving that I made payments on this account and on time. I thought it was all settled when I informed you before. I now discover that Barclay charged me another late fee of XXXX and added XXXX to my account when it states payment and they charge the payment instead of crediting it. On my Current statement and last Months statement it states I owe XXXX for a pmt As you can see, I made XXXX pmts. Now they tell me that I own over XXXX in pmts. I have never been late on this account yet they have my account stating it is late again. This has been going on since XXXX 2020. 
I have sent them notices about this and they state someone will call me. NO ONE has ever called and my phone # has been the same over the last 5 years. I have tried to call them several times and they place me on hold and never return. 
Please see attached proof.
Consumer complaint received 2021-02-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (TN)

I paid my Discover card account XXXXwhich paid it off IN FULL XX/XX/XXXX. In XX/XX/XXXX I received an alert from XXXX that I had a 30 day late for Discover. They claimed that I owed XXXX worth of interest that was charged to my account. I never received anything saying that I still owed them money. So I went to the website to look it up. I paid it immediately. I don't think that it's fair to reflect a 30 day late on my credit report for less that XXXX in INTEREST that I didn't even know I owed. I thought my account was paid in full and was closed. This immediately dropped my credit score by 34 points. It does not show a true picture of my credit worthiness when the 30 day late is an error of only XXXX. 
Thank you.
Consumer complaint received 2020-06-22
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. (GA)

XXXX  XXXX. XXXX XXXX XXXX, TX XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers : BANKRUPTCY CHAPTER XXXX-DISMISSED REF # XXXX XX/XX/XXXX BANKRUPTCY CHAPTER XXXX-DISMISSED REF # XXXX XX/XX/XXXX BANKRUPTCY CHAPTER XXXX-DISMISSED REF # XXXX XX/XX/XXXX XXXX XXXX # XXXX {$11000.00} XXXX XXXX XXXX XXXX # XXXX {$440.00} Inquiries : XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX/XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Transunion Fraud Victim Assistance Department XXXX XXXX  XXXX XXXX, PA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers : BANKRUPTCY CHAPTER XXXX-DISMISSED REF # XXXX XX/XX/XXXX BANKRUPTCY CHAPTER XXXX-DISMISSED REF # XXXX XX/XX/XXXX BANKRUPTCY CHAPTER XXXX-DISMISSED REF # XXXX XX/XX/XXXX XXXX XXXX # XXXX {$11000.00} XXXX XXXX XXXX  XXXX # XXXX {$440.00} Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Account Numbers : BANKRUPTCY CHAPTER XXXX-DISMISSED REF # XXXX XX/XX/XXXX BANKRUPTCY CHAPTER XXXX-DISMISSED REF  # XXXX XX/XX/XXXX BANKRUPTCY CHAPTER XXXX-DISMISSED REF # XXXX XX/XX/XXXX XXXX XXXX # XXXX {$11000.00} XXXX XXXX XXXX XXXX # XXXX {$440.00} XXXX XXXX # XXXX {$23000.00} Inquiries : XXXX/XXXX   XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX/XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX
Consumer complaint received 2020-06-22
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. (GA)

I have been denied credit on a fairly consistent basis. Ive disputed closed accounts on my report and CB will not remove them as they continue to report. The dates of last payment and last reported on all my accounts differ between all 3 major CBs. I have reported that they have undesirable and injurious information that is not allowing me to obtain credit. These accounts feel like I am tied to an anchor and dropped in the middle of the sea. 

Please help me!!!!!!!!
Consumer complaint received 2020-06-22
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. (GA)

I have been denied credit on a fairly consistent basis. Ive disputed closed accounts on my report and CB will not remove them as they continue to report. The dates of last payment and last reported on all my accounts differ between all 3 major CBs. I have reported that they have undesirable and injurious information that is not allowing me to obtain credit. These accounts feel like I am tied to an anchor and dropped in the middle of the sea. 

Please help me!!!!!!!!
Consumer complaint received 2020-06-22
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent letters out certified over 35 days and have been notified. I feel like these guys are taking advantage of regular people. After recently reviewing my credit report I noticed several inconsistencies regarding the accounts information attached. I sent a second letter to the bureaus after 30 days because I haven't received and documentation.
Consumer complaint received 2020-06-22
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: Experian Information Solutions Inc. (GA)

Experian did not properly investigate my cred disputes. I sent them all the required documentation see documents that I sent to them attached. The letterthey sent out to me requested all the same information that I had emaile them with my request. The packet that I uploaded here is exactly what I sent to them. They are requesting duplicate information.
Consumer complaint received 2020-06-22
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: Experian Information Solutions Inc. (FL)

Please note that this is not a request for reinvestigation of disputed accounts, but request for evidence under the Fair Credit Reporting Act, Section 609. As per Fair Credit Reporting Act, Section 609 I have the right to request information from credit bureau regarding items that are listed on my consumer credit report : 1. XXXX XXXX XXXX  account # XXXX 2. XXXX XXXX XXXX account XXXX As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature, but have not received any response from the credit bureau XXXX
Consumer complaint received 2020-06-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Perfection Collection (OH)

Looking over my credit report and noticed there was an account that does not belong to me and that I did not authorize. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The following account is listed below : 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, PERFECTION COLLECTION LLC XXXX XXXX.
Consumer complaint received 2020-06-22
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. (FL)

was out of work do to the stay at hm order do to cov19 contacted XXXX XXXX  told situation an was tild to go to their website an request stay because US gov said no morgagtes would be reported late an no foreclosures an nothing negative should b reported to credit bureaus did online as instructed but they say it doesnt show WELL the GOVERNMENT said this was to be done so WHY is it even if it doesnt show NOT being adhered to HURT my score an now cant refinance my house an need some help havent had a pay check in almost three months an now this XXXX on my credit when the Whole Country was an is this should have been a no brainer for my mortgage comapny an the cedit bureau this was XXXX an XX/XX/2020 2020
Consumer complaint received 2023-07-24
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: AMERICAN EXPRESS COMPANY (NC)

The charge was made with American Express XXXX card on XX/XX/12 to XXXX XXXX for {$12000.00}. This card is not now active as XXXX visa took over the XXXX credit card business. Having called both companies in trying to resolve the complaint they each say it is the other companys responsibility. The run around. I understand that XXXX XXXX was convicted of fraud. A long with XXXX XXXX and XXXX I have called serveral times to resolve issue. Both companies say they can not find the charge because of the length of time involved. Can you help me?
Consumer complaint received 2021-07-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (VA)

On XX/XX/XXXX I submitted a request to have my qualifying payments towards Public Student Loan Forgiveness ( PSLF ) reviewed because FedLoan Servicing ( FedLoan ) incorrectly calculated my qualifying payments. FedLoan acknowledged receiving my request on XX/XX/XXXX, but I still have not received the results over six months later. I have contacted FedLoan Servicing on two occasions over the past six months and they stated the review was still ongoing and could not provide me an update. ( FedLoan Servicing Case # XXXX, Reference ID : XXXX ) I requested to have my qualifying payments reviewed because their system incorrectly states that payments from XX/XX/XXXX to XX/XX/XXXX are ineligible payments because I did not receive a bill for those months. I did not receive a bill because I am an XXXX XXXX servicemember and I filed a Department of Defense ( DOD ) Student Loan Repayment Program Forbearance request ( XXXX No. XXXX ) to receive credit for a lump sum payment from a DOD student loan repayment program. This lump sum payment was made on XX/XX/XXXX in the amount of {$16000.00}. Pursuant to 34 C.F.R. 685.219 ( c ) ( 2 ), this lump sum payment should result in me receiving credit for twelve 12 qualifying payments based on the monthly payment amount required under my repayment plan at the time. FedLoan has failed to accurately calculate the correct number of qualifying payments despite me making a request over six months ago.
Consumer complaint received 2020-06-22
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. (MN)

The following accounts, debts and credit inquiry listed on my Experian and XXXX XXXX credit report is all fraudulent, unauthorized and not my accounts, debts or credit inquiry : XXXX XXXX XXXX  XXXX, {$62.00}, XXXX XXXX XXXX, XXXX, {$14000.00}, XXXX XXXX XXXX, XXXX, {$16000.00}, XXXX XXXX XXXX XXXX, {$3300.00}, XXXX XXXX  XXXX, {$30000.00} and XXXX XXXX XXXX, {$500.00}. The following credit inquiry listed on my Experian and XXXX XXXX credit report is fraudulent and unauthorized : XXXX XXXX XXXX, XX/XX/2020
Consumer complaint received 2020-06-22
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Loantopia (CA)

On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX LoanTopia LLC. Send me A notice of settlement offer. That read Upon further review of your loan account with us, we have determined that you are eligible for the following settlement : 40 % of Balance of {$9200.00} But on XX/XX/XXXX small claims court enter a judgment for me to pay LoanTopia {$2600.00}. The have tried to get me to pay more than the judgement many times but I only have documents for the day listed above.