davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-01
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2022-07-01
Product: Student loan — Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Navient Solutions, LLC. (VA)

For months, I've been paying my student loans via automatic payments from my bank. 

Apparently, the monthly payments on my account increased. I was unaware of the increase because Naviant had several bits of incorrect information to contact me, including email address and phone number. They even reported my birthday wrong, so I couldn't access the online portal for updated account information. 

Suddenly, I get a notice that I'm 90 days late. I call, and confirm with them they received my timely monthly payments, but it was during this call that I learned the payments went up and they didn't have my current contact or defining information, so I was never made aware of any increase, which caused late payments in their system. I immediately paid the overdue amounts, but their investigation didn't fix the issue, and they've reported my account 90 days late for XXXX and XXXX of 2022 which is not accurate. Their systems are responsible for this mess and they aren't correcting the situation and removing the negative information from my credit reports.
Consumer complaint received 2021-10-15
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. (OH)

I am not an attorney or third- party rep, there are accounts on my credit report that does not belong to me and believe that this is an act of fraud. I have a legal right to dispute the following accounts : 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 2024-12-03
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRUIST FINANCIAL CORPORATION (FL)

I received a bill in my mailbox with over {$17000.00} in fraudulent charges racked up in a very short amount of time by someone who opened this account in my name fraudulently and without my knowledge or permission. I have NEVER had an account with this company, and NEVER opened a credit card with them. I called the company immediately and they put the account into closure and reported to their fraud department who sent me a letter in the mail requesting an affadavit, which I completed and returned along with my police report for identity theft, with tracking through XXXX. It was delivered and received but since then I have received another billing statement with interest for the same amount. I have frozen my credit through all agencies with a fraud alert. I need to close my credit to avoid further damages. I need help removing this fraudulent activity from my credit file.
Consumer complaint received 2022-07-01
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Consumer complaint received 2022-07-01
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (PA)

After receiving a copy of my credit report, I discovered the following errors, which are detailed below. In line with 15 USC 1666b If a creditor has not adopted reasonable procedures to ensure that each periodic statement includes the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date, the creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

In violation of 15 USC 1681b, I NEVER issued the credit reporting agency or any other company a formal order to provide any information for my consumer report. Due to its harsh and unethical actions, Credit Reporting Agency has put a great deal of stress and anguish on people. 
You, Experian, XXXX, and XXXX ought to feel guilty for having ACQUIRED this position and responsibility in order to routinely defraud consumers and hurt their interests! 

It is improper to list these accounts with late or missed payments. The following accounts should be marked as PAYS or PAID AS AGREED because they were NEVER past due. 

XXXXXXXX XXXX  Please change the account to read Paid/Current as I have never been late on ( XXXX to present ) payments. 

XXXX XXXX Please change the account to read Paid/Current as I have never been late on ( XXXX to present ) payments. 

XXXX XXXX  XXXX Please change the account to read Paid/Current as I have never been late on ( XXXX to present ) payments. 

Pennsylvania XXXX Since I never missed a payment on this account between XXXX through XXXX, please update the status to Paid/Current. 




I demand that these issues be looked into and taken off my report in accordance with the Fair Credit Reporting Act. Additionally, I demand that you give me all supporting documents and hard proof that I am or have been late. 
I believe you will double-check these things with the creditor who posted them. 
Any information that the creditor can not verify should be removed. I am aware that you have 30 days from receiving this letter to complete this reinvestigation in accordance with 15 U.S.C. Sec. 1681i ( a ).

Send me a revised copy of my credit report with the desired modifications, please. 

Sincere regards, XXXX : XXXX { XXXX } Without Prejudice, All Natural Inalienable Rights Reserved
Consumer complaint received 2022-07-01
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

After receiving a copy of my credit report, I discovered the following errors, which are detailed below. In line with 15 USC 1666b If a creditor has not adopted reasonable procedures to ensure that each periodic statement includes the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date, the creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
In violation of 15 USC 1681b, I NEVER issued the credit reporting agency or any other company a formal order to provide any information for my consumer report. Due to its harsh and unethical actions, Credit Reporting Agency has put a great deal of stress and anguish on people. 
You, XXXX, Transunion, and XXXX ought to feel guilty for having ACQUIRED this position and responsibility in order to routinely defraud consumers and hurt their interests! 

It is improper to list these accounts with late or missed payments. The following accounts should be marked as PAYS or PAID AS AGREED because they were NEVER past due. 

XXXX XXXX Please change the account to read Paid/Current as I have never been late on ( XXXX to present ) payments. 

XXXX XXXX  Please change the account to read Paid/Current as I have never been late on ( XXXX to present ) payments. 

XXXX XXXX  XXXX Please change the account to read Paid/Current as I have never been late on ( XXXX to present ) payments. 

Pennsylvania XXXX Since I never missed a payment on this account between XXXX through XXXX, please update the status to Paid/Current. 




I demand that these issues be looked into and taken off my report in accordance with the Fair Credit Reporting Act. Additionally, I demand that you give me all supporting documents and hard proof that I am or have been late. 
I believe you will double-check these things with the creditor who posted them. 
Any information that the creditor can not verify should be removed. I am aware that you have 30 days from receiving this letter to complete this reinvestigation in accordance with 15 U.S.C. Sec. 1681i ( a ). 
Send me a revised copy of my credit report with the desired modifications, please. 

Sincere regards, XXXX : XXXX { Agent/Beneficiary } Without Prejudice, All Natural Inalienable Rights Reserved
Consumer complaint received 2020-07-16
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)

Im reporting fraud on my credit report. 
XXXX XXXX XXXX  is the account And the amount is : {$120.00} This is not My account and was opened not under my consent. It needs to be removed from my account immediately.
Consumer complaint received 2020-05-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (MN)

To whom it may concern : In late XX/XX/2020, I applied for The New Delta Skymiles Reserve American Express card. The promotional offer was XXXX bonus miles where you earn XXXX bonus miles and XXXX XXXX   after spending XXXX in purchases within the first 3 months. You would also earn an additional XXXX miles upon my first renewal date which equates to XXXX bonus miles in addition to the XXXX XXXX. My husband and I met this requirement within 1 month of having the account. On XX/XX/2020, I was issued XXXX bonus miles and XXXX XXXX  miles. A few weeks ago, I called the customer service number at American Express and they confirmed the amount was sent to XXXX to be credited to my Skymiles account. I attempted to explain to the customer service representative what the promotional offer was and she suggested I reach out to you directly. In addition to the above, I had to call your customer service line on several occasions since my credit line was reflecting incorrectly on my account. 
The second complaint we have regarding the account is that being a XXXX XXXX member your website reflects that one of the benefits is that you earn XXXX miles per dollar spent ; however, this has not been the case. 
As a longtime customer, I am requesting the following : A credit for the XXXX bonus miles that were promised when I applied for the account. 
A credit for the missing miles based on my XXXX XXXX Status ( {$24000.00} YTD spend as of XXXX*XXXX  miles per dollar ) and ensure going forward my account is credited accurately A credit in the amount of {$720.00} in compensation for my time and inconvenience. 

If the above can not be met, I will discontinue the use of these accounts in the future and move my business to the XXXX XXXX XXXX card which provides us with more friendlier terms.
Consumer complaint received 2020-01-27
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. (FL)

I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRA & # 39 ; s. On XX/XX/2019, I mailed XXXX, XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2022-07-01
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Consumer complaint received 2020-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

On XX/XX/XXXX I sent letter to both TransUnion at XXXX. XXXX   XXXX, XXXX, PA XXXX and to XXXX  XXXX  at XXXX XXXX XXXX XXXX, XXXX, MD XXXX in regards to an account I originally disputed in XX/XX/XXXX that was first reported XX/XX/XXXX. The account was removed from my consumer credit reports due to the inability to provide validation that this account was my debt. The original creditor was the University XXXX XXXX  for the amount of {$5100.00}, and as stated previously in XXXX this is not my account and I demanded validation. 

This account has since reappeared again, and as stated above I sent letters to both TransUnion and XXXX XXXX to please provide details that this account is mine. According to the FDCPA I have the right to request and receive detailed information regarding this account. In addition, I never received any correspondence from XXXX XXXX 30 days prior to reporting this account, to give me the opportunity to respond or request information prior to being reported to my consumer credit report. Nor have I received a response from TransUnion or XXXX XXXX to this date. 

I ask that the Consumer Financial Protection Bureau assist me in obtaining all and any verification or validation that this account belongs to me. Otherwise, that this account be removed immediately. 

Thanks you for your immediate attention in this matter.
Consumer complaint received 2020-09-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Acceptance Corporation (CA)

When I was applying for a home loan it was brought to my attention that I had a new collection in the amount of {$1000.00} - original creditor was XXXX XXXX XXXX. I had not received any information from XXXX XXXX in regards to a balance owed. I also did not receive any notice from M Leonard & Associates. I contacted XXXX XXXX and they agreed to remove the account from collection upon payment of {$500.00} which I will be paying today. They also told me that I would need to contact the Collection company at XXXX which is the number my Loan Officer provided me from the credit report. I tried calling several times and the number rings busy or out of service.
Consumer complaint received 2020-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NC)

I have previously disputed a bankruptcy showing on my Experian credit report although I provided clear proof that the XXXX county courts confirmed they do not and have not provided this information to Experian .Experian refuses to remove most recently stating the information was received from XXXX XXXX I have contacted XXXX XXXX and confirmed there is no bankruptcy in their records as Experian has indicated my most recent Experian report number XXXX copy attached listed the bankruptcy and XXXX XXXX as the source This is a direct violation of my credit reporting rights to have true and accurate information in my file
Consumer complaint received 2020-05-23
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Capital Accounts, LLC (FL)

In a letter dated XX/XX/2020, the collection agency 'Capitol Accounts ' notified me that they were retained by 'XXXX  XXXX XXXX ' to collect money already paid. I contacted an attorney in our Legal Services program who notified Capitol Accounts by letter dated XX/XX/2020. 

" Please be advised that I represent the above-named individual who has recently received a debt collection communication from your company. 
Pursuant to the Fair Debt Collection Practices Act, 15 USC Section 1692 et seq., you are hereby directed to : I. Cease all further communications with my client, and 2. Provide the undersigned with verification of the purported debt. and 3. Provide the undersigned with the name and address of the original creditor, if different from the current creditor. '' My attorney received no communication from Capitol Accounts. NONE! 

Despite the letter of XX/XX/2020, I received another letter dated XX/XX/2020 notifying me that their client XXXX XXXX XXXX, " ... has authorized us to report this unpaid collection amount to one or more national credit bureaus '' In another letter dated XX/XX/2020, my attorney notified Capitol Accounts that they had violated the 'Fair Debt Collection Practices Act ' and again repeated the statement that is outlined above ( 1. 2. 3. )
Consumer complaint received 2023-01-20
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (VA)

I was assessed a {$46.00} recording fee upon payoff of the home equity line. 
Per the agreement signed in 2007, all fees have been marked as being paid by XXXX ( Wells Fargo merged with XXXX at a later date ). Furthermore, at the time of the loan origination, a XXXX representative stated all fees/charges would be paid by the bank. 

The charge of {$46.00} taken upon pay off directly contradicts what is written in the contract.
Consumer complaint received 2024-12-03
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: U.S. BANCORP (NJ)

A XXXXXXXX XXXX XXXX XXXX was purchased at XXXX in Georgia. We found it in a drawer just wanted to find out from the company what our balance was and it has been nothing short of XXXX  town getting any information from them!! It shouldnt be that difficult to get this information as we found another card tucked away with this one. We called that number and it was super easy to get the balance and to see we had XXXX  used it yet.