davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-02
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. (IN)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2020-06-18
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. (NY)

I have about three student loan accounts open that at the time were with XXXX XXXX or XXXX as they represent themselves. These loans totaled to be for about {$8000.00} and that includes interest. During the time my account was with them I entered it into a forbearance period that was posted on my account XX/XX/XXXX and back dated to cover me for XX/XX/XXXX - XX/XX/XXXX. I reached out to customer service and they said it had been accepted. In XX/XX/XXXX I received a notice from the US Dept of Ed saying my account was in Default and if I did not take action Immediately my wages, taxes would be garnished. I contacted them immediately. I told them my account was in fact in forbearance. They didnt care they kept saying it was defaulted. I set up a income driven plan and they told me if i did this it would not show up badly on my credit report. A few months later the account became a collections account and I am unable to get a governmental job or a Mortgage because my Student loans is showing as a collections account. I contacted XXXX XXXX about the handling of my account they confirmed my account has been in forbearance for the period opf XX/XX/XXXX-XX/XX/XXXX but they could not provide me with any documentation to give to the US Dept of Ed to correct the inaccuracies that have been placed on my account. The only advise they could give me was to wait it out. I have contacted XXXX and its sister company XXXX XXXX countless times in the last few weeks to correct the error and they keep passing me around to one another. XXXX tell me to talk to XXXX XXXX, XXXX XXXX  or FSA told me that I need to submit documentation. XXXX has my documentation but they refuse to give it to me. Ive spoken with supervisors such as XXXX on XX/XX/XXXX who said she could not give my my documentation stating it was policy and I have spoken with customer representatives such as XXXX, XXXX, XXXX, XXXX and others who have all said they see the information but they can not provide it to me. I feel railroaded, and out of options.
Consumer complaint received 2020-06-18
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (MS)

I have been working with Navient for almost 6 years regarding my loan repayment. I have been in the Rate Reduction Program, which was beneficial in the beginning. The payments started out around {$430.00}, going up approximately {$150.00} every 12 months. When I called in XX/XX/XXXX to renew, I was told that the program has been changed to renewal every 6 months rather than every 12. The lowest payment they could give me was $ XXXX/month, with an increase to over {$900.00} in XX/XX/XXXX. I have recently gone through a divorce, so now I am on a very limited income, with XXXX small children who require my care. They are refusing to work with me at all regarding my payments. Also, on further inspection, Navient has doubled the principal amount on all of my loans. I have never given consent for them to increase my principal amount, nor is that listed as a provision of the repayment plan.
Consumer complaint received 2021-08-27
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK (CA)

Just in case Discover do not or ignore to an

swer again, I will summarize for you again and ask the question. Since I do not get answers for the past three months when I asked million times. 1. Send me all the statements from XXXX  which need to show my payment as well. 

2. Admit that it is fraud that " ur records confirm that we attempted to contact you by phone 99 times from XX/XX/ to present to assist in the repayment of your account. '' because I have a email from you guys that I received on XX/XX/XXXX.
Consumer complaint received 2021-07-06
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Chime Financial Inc (OH)

Fraudulent mail received XXXX XX/XX/2021 through USPS. Mailing had a Chime VISA Debit card enclosed activate your card in the Chime app. Letter inside claimed Set up Direct Deposit with Chime & get paid up to 2 days early. Sign and deliver this form to your employer or payroll provider, and watch the magic happen. 
But there wont be any magic. I did not activate the debit card. The only magic this bank will see is a consumer complaint for fraud. XXXX XXXX, XXXX legal editor and Attorney, writes in her article What Should I do if I Get a Credit Card That I Didnt Request in the Mail? : Under Regulation Z, which implements the Truth in Lending Act, it's illegal for a credit card company, store, or other entity to send you a credit card you didn't request. ( 12 C.F.R. 226.12 ). 
The bank even sent a text message regarding the mailing on XXXX XX/XX/2021 via number XXXX. Hi, XXXX. Chime here. Youve got mail! Your Chime Visa Debit Card was delivered in a bright green envelope. Text STOP to unsubscribe. 
I never requested a credit card with this bank. I never ever contacted this bank. I never opened an account with them. What the bank will need to address is how they got my personal information. All illegal. All fraudulent. All unsolicited. This is financial fraud against seniors.
Consumer complaint received 2020-06-18
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. (AR)

I decided to pull my credit because every single tme I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXX {$610.00}
Consumer complaint received 2020-06-18
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: CITIBANK, N.A. (CA)

There are inquiries on my credit report that I do not recognize and I did not authorize. Here are company names and dates : XXXX XXXX XXXX XX/XX/2020 XXXX, XXXX XXXX XX/XX/2020 ), CITI CARDS CBNA ( XX/XX/2020 )
Consumer complaint received 2022-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

XXXX bank is reporting a late payment on my credit report for {$80.00} when auto payment every month is around {$400.00} on auto pay. I have set up this account years ago to auto pay and i have never removed or changed this feature. I just noticed this late on my credit. looks like the bank had a glitch on their end and is hurting my credit now.
Consumer complaint received 2020-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION (FL)

On XX/XX/2019 I paid my mortgage payment to BB & T bank using my XXXX XXXX account. For some reason, my payment was rejected due to an error in the ACH number. I was never contacted by BB & T that my payment had failed. 

In XXXX, I went to inquire about my credit score to try to look into a better rate for my mortgage and was appalled that my score was significantly lower than it had been previously. I found out that BB & T had reported that rejected payment as unpaid. I contacted BB & T and have a voicemail recording stating that the payment was eventually received, that the payment was backdated, and all late fees and penalties had been removed. That being said, BB & T is refusing to remove the error from my credit report, which is causing me to be unable to seek improved mortgage interest rates. As a XXXX American Veteran, I feel that this is an abuse of power and an act of discrimination in an attempt to keep my existing mortgage from being moved to another company for better rates. 

Let me also add that when I initially contacted BB & T, I was given an address to send a letter to regarding the situation and the reply that I received back from them was that they were not going to remove the bad credit statement. I don't know where else to turn regarding this situation, please offer any insight. Thank you so much. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-18
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. (DC)

In reviewing my credit report I noticed a couple of discrepancies. Subsequently, I reached out to XXXX and inquired about the status of my loan during the time that the delinquencies were reported XXXX XXXX XXXX & XXXX XXXX ). Their correspondence to me confirmed my initial thoughts which were that my account was in forbearance beginning in XXXX of that year until XXXX of the same year, 2018. After receiving their correspondence I wrote to have the two delinquencies retracted from my credit history. Their response was that they would not remove the inaccuracies because the delinquencies occurred before the forbearance start date. However, as indicated in their previous correspondence my forbearance spanned from XXXX till XXXX and the inaccurate reporting occurred in XXXX and XXXX.
Consumer complaint received 2021-07-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: eToro USA LLC (MO)

I signed up for an offer through XXXX to start an account with eToro, deposit XXXX, and receive XXXX XXXX. I have fulfilled the terms of the agreement with a deposit of XXXX ( 2, now, actually ) and have not been credited my bonus. Additionally, customer service has not gotten back in touch with me despite contacting them more than a week ago.
Consumer complaint received 2021-06-03
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A. (NJ)

On XX/XX/2020 I made a purchase to best buy in the amount of {$1400.00} Upon tracking my order it showed delivered, I had not received the item in question, I called best buy on XXXX XXXX and was told my purchase was delivered. The rep provided the address and, I informed rep the address was in correct. 
I was given options to pick up the merchandise in a store 4 hours away from my home, I then requested a refund, I was told I would be credited, but never received a credit. i had called XXXX XXXX back to ask the status of my credit with no luck. I then disputed with Citi bank with no luck. Citi bank indicates I am responsible for best buys error Citi bank has provided to me documents that show, the incorrect address my purchase was sent to. 
This error is negatively impacting my credit score
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hello, My name is " XXXX XXXX ". I have been trying to report inaccurate items in my credit report over past year and more often recently. However, none of my request are fulfilled. 
**Hard inquiries** _XXXX XXXX XXXX  XXXX Inquiry : XX/XX/XXXX This charge off account is not mine, Please delete it!! 
_ XXXX XXXX Inquiry : XX/XX/XXXX I have never receive any credit from this company, provide me full document or delete it!!! 
_XXXX XXXX XXXX  Inquiry : XX/XX/XXXX This charge off account is unauthorized and date furnisher provided has violated Metro 2 reporting compliance by not reporting dispute status and incorrect and inconsistent Account Number. Provide me full document. I demand report of full reinvestigation procedure in the regulation time frame of 30 days. 
_XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX THIS ISN'T MINE, DELETE IT!!! 
_XXXX XXXX  XXXX Inquiry : XX/XX/XXXX UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING dispute status. 
_XXXX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX This account is mine, DELETE IT!! 1 _XXXX/XXXX  Inquiry : XX/XX/XXXX THIS CHARGE OFF ACCOUNT IS NOT MINE, PLEASE DELETE IT!!! 
_XXXX  XXXX XXXX XXXX Inquiry : XX/XX/XXXX This account is not mine, delete it!!! 
_XXXX/XXXX  XXXX XXXX Inquiry : XX/XX/XXXX I have never worked with this company, this account are inaccurate, delete it!!! 
_XXXX  XXXX XXXX Inquiry : XX/XX/XXXX This account is not belong to be, i never receipt any credit from this company, DELETE IT!!! 
_XXXX/XXXX  XXXX XXXX Inquiry : XX/XX/XXXX This account is not mine, delete it!!! 
_XXXX  XXXX  XXXX  Inquiry : XX/XX/XXXX This account is not mine, There are several account like this in my credit report. The credit bureau might intentionally put them in my report. 
_XXXX  XXXX XXXX  : XX/XX/XXXX This charge off account is not mine, provide me full documentation proofs that i am wrong or delete immediately!!! 
_TRANS UNION RENTAL SCREE Inquiry : XX/XX/XXXX This account is not mine, DELETE IT!!! 
**Collection** _XXXX  XXXX  XXXX  Reported : XX/XX/XXXX I never received any loans or credit from this company. DELETE IT!!! 
_XXXX  XXXX XXXX XXXX  : XX/XX/XXXX I never received any loans or credit from this company. Delete it or provide me full information and proofs that you has follow all the FCRA laws. 
_XXXX XXXX XXXX Reported : XX/XX/XXXX THIS ISN'T MINE. DELETE IT!!!
Consumer complaint received 2022-08-04
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.
Consumer complaint received 2022-08-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

On XX/XX/XXXX Bank of America and their merchant service first data informs me of fraudulent attempts to deposit via credit cards that are fraudulently used. This started with 12 attempts by the end of the day they were 72. Play the beginning of XXXX there were over XXXX and within a few days it was up to XXXX attempts. The Bank of America says I have to pay a fee for each attempt of a fraudulent action that they knew on XX/XX/XXXX was occurring. After hours and hours of trying to reach people and discuss with him this issue Bank of America said give them 5 to 7 days to refund the fees. It is now 30 days past and theres no attempt to deposit back the money they withdrawal for fraudulent fees, they do not answer their emails anymore, and they are simply blaming us for fraud attempts on our checking account. Theyre taking out the fees put us too low to pay our bills in a timely manner. Theyre taking out the fees is now starting another month of not enough funds to pay our bills at all. This is on our foundation account, we have not received any donations for quite a while our big donors died of XXXX. We have not advertised recently but are planning an event at the end of the month. Not having our cash back is going to affect our ability to actually do a great job at our goals. We are in the business to save lives and they have destroyed our efforts. 
Im at my XXXX  XXXX trying to get someone to explain why they can take out fees for fraud that they knew and were the ones notifying me took place. Now they told me I could end up with more fees this month for the beyond the XXXX transactions. 
What are we supposed to do, how are we supposed to pay our bills if the Bank of America is going to charge for fraudulent transactions? Is this not something the government tries to stop? Can they just continue to charge me fees? 

This is also Bank of America XXXX XXXX ( foundation income ).
Consumer complaint received 2020-06-18
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. (CA)

Filed a dispute with Transunion on XX/XX/2020 for incorrect balances on my credit cards. They still had old information from XXXX. They completed my dispute on XX/XX/2020 and did not correct two of my accounts. On two of my credit cards they stated no change. They put back the old XXXX balances. I filed a second dispute on XX/XX/2020 and they are telling me I have to wait until XX/XX/2020 for them to complete my dispute. This is not acceptable. I spoke to three Supervisors on the telephone requesting assistance. I have gotten no resolution. I contact my credit card companies in XXXX to request they update my information. On XX/XX/XXXX my credit balances were correct XXXX   balances. On XX/XX/XXXX after my first dispute was done my old XXXX balances were back on two of my credit cards. In XX/XX/2020 I paid in full all twenty of my CC leaving XXXX  balances. My credit score fell 35 points due to Transunion reporting incorrect balance on my XXXX CC {$3000.00} reported on XX/XX/2020 and XXXX CC {$1300.00} XX/XX/2020. I tried to attach documents on their website and was not able to. I spoke to a Supervisor on XX/XX/XXXX promised to call my two CC companies and call me back. As of today I have not heard back from that Supervisor. I want to refinance my home and take advantage of the low interest rates and I tried to boost my credit score by paying off all my debts in full. Due to Transunion incorrect reporting my score fell by 35 points. Now I have to hold off on refinancing due to Transunion inaccuracies.
Consumer complaint received 2024-11-25
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: SLM CORPORATION (MA)

I co-signed a loan for my Daughter XXXX around XXXX and have paid it down from over XXXX to XXXX. Lately I have been getting calls, Texts and emails from Sallie Mae numerous times a day and many times per week which is 100 % in violation of the FDCPA and Massachusetts Collection law. 
They are relentless and should be held accountable to the law.
Consumer complaint received 2019-11-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Lending Club Corp (OR)

I've notified Lending Club several times that the alleged debt is the result of identify theft. In support of that notification I have provided a signed and notarized FTC ID theft complaint and affidavit. In addition I have disputed this firm 's reporting on my credit reports. The firm did remove all reference to this matter from my credit reports. This was a positive step. However, I am now being sued by a firm, XXXX XXXX XXXX, who claims to have bought this debt from Lending Club. I have contacted Lending Club asking that they resolved this matter, but they have not responded. See attached documents. 

My request is that Lending Club notify XXXX XXXX XXXX that they are rescinding the sale of this account to XXXX XXXX XXXX, so that the legal action now pending may be dismissed.
Consumer complaint received 2020-06-18
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 went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. XXXX XXXX {$1800.00} XXXX XXXX {$2000.00} XXXX XXXX {$2000.00}
Consumer complaint received 2020-04-01
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 (GA)

Around XX/XX/2020 I made a purchase for XXXX on my credit card. I called the merchant on XX/XX/XXXX to ask if they could refund my money sense I didnt get to eat at there restaurant because they had to cancel because COVID-19. Plus the Mayor shut down the restaurant.She first said no. 
So I called my credit card company and explained the situation they said that they will w refund me XXXX and other fees associated with the purchase.So the credit card refund me. 
I asked if I could use the funds.The credit card company said I could use the funds. 
I had to close the old card and they sent me a new card. I received the new card and tried to make a purchase and it declined. 
I called the credit company again on XX/XX/20. 
I asked them why couldnt I use my card when I have the available credit on there. Plus I said I have the new card. The representative said that I cant because they are researching. 
I explained to them that I have a letter from the merchant who stated she was refunding my card around XX/XX/2020. 
All I want is to use my card.
Consumer complaint received 2020-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (UT)

Comenity/XXXX : I was never late on this account. I have not received a notice telling me that I was late as these payments were paid online. Please remove these lates from my credit file as these were always paid on time.