davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-22
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Contacted Transunion several times to dispute many duplicate credit inquiries ( 12 total ) from XXXX XXXX XXXX XXXX, Only ( 1 ) of these many inquiries were made outside of XX/XX/2020 and should be deleted for the reason of duplicate credit inquiry entries within a certain period of time. 

Transunion is able to see all of these inquiries and dates but have refused to take immediate action to delete these entries but instead placing the burden on the individual disputing the item ( s ) to complete a burdensome process. 

Lenders can confirm current or previous credit requests for customers but instead contribute to lowering consumer credit report scores by fraudulently processing multiple credit inquiries. 

Credit bureaus should also provide consumers the right and a way to dispute inquiries within their credit report files such as other account dispute processes either online or over the telephone with a representative.
Consumer complaint received 2021-09-22
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. (MA)

The XXXX XXXX XXXX XXXX inaccurately reports card balances to CRAs to be viewed as revolving credit without a credit limit. This practice has led to higher balances being reported than what is due and furthermore has resulted in multiple decreases in my credit scores across the bureaus due to the credit utilization algorithm. 

XXXXnfo on reporting and payments with XXXX : 1. Card statement is from the XXXX to the following month on the XXXX. 
2. The XXXX credit card payment due date is the XXXX of each month. 
3. The XXXX payment date is the XXXX of every month. 
4. I add funds to my XXXX credit card and XXXX will put aside payments for the card and pay automatically on the XXXX of every month. 

Issues : 1. The payment date occurs on the XXXX of every month even though the statement cycle is XXXX to XXXX. This means the amount due is always based on the month prior balances. 
2. Since balances are based on the month prior, a balance carries over into the next billing cycle. Thus a constant balance is reported to CRAs. XXXX adds account notes saying the account was paid in full, but this is inaccurate based on the balances reported. 
3. Due to the misleading/inaccurate XXXX reporting, this has affected my credit utilization and resulted in my credit score dropping two to three times significantly. 
4. XXXX acknowledged twice that the reporting date does not align with the statement date nor the payment date, yet they continue to falsely report that I have a balance when I do not. 

Specifically : On XX/XX/2021, my credit score dropped an average of 23pts across all bureaus. 
Reason : XXXX updated the bureas that I had a balance increase of {$140.00}. Bringing the total balance to {$430.00}. On XX/XX/2021, XXXX sent the XXXX XXXX statement showing that {$290.00} had been paid on XX/XX/2021. This means that XXXX should have updated the balance on XX/XX/2021 to only be {$140.00}.
Consumer complaint received 2023-04-04
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. (GA)

I checked my credit report and saw XXXX XXXX XXXX for XXXX XXXXXXXX XXXX  XXXX XXXX. In the amount of {$460.00}. This is due to fraud as I was incarcerated. As they can see from account opening there was never any activity on the account.
Consumer complaint received 2022-03-02
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. (GA)

TO WHOM IT MY CONCERN, I'M ASKING FOR HELP AND WILL ATTACH ALL DOCUMENTS FOR THIS MATTER. I AM A VICTIM OF IDENTITY THEFT AND I HAVE TO CONSTANTLY TRY AND RECTIFY THE EFFE CTS AS ACCOUNTS, NAMES AND ADDRESSES THAT HAVE BEEN USED FRAUDULENTLY CONTINUES TO REPORT TO MY CREDIT REPORT. THE ACCOUNTS ARE IMPACT XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX, NAMES ARE XXXX XXXX, XXXX XXXX, XXXX XXXX AND ADDRESSES ARE XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. PLEASE SEE ALL DOCUMENTS ATTACHED. THESE ACCOUNTS ARE AFFECTING MY LIFE AND IS CAUSING ME AND MY FAMILY BIG ISSUES WITH NOT BEING ABLE TO MOVE AND LEAVING US WITHOUT TRANSPORTATION.
Consumer complaint received 2021-09-22
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: EQUIFAX, INC. (GA)

Secured credit card was opened with XXXX bank in XXXX. Account was opened fraudulently. The account began reporting as charged off in XX/XX/XXXX. From that point until XX/XX/XXXX, the account reported as a charge off. On my credit report, it is reported as XXXX charge offs for the amount of {$9.00}. XXXX is only reporting this account to XXXX and Equifax, not XXXX  ... Ive reached out several times to XXXX to tell them of the error. I have filed complaints and challenges previously as this issue has become extremely burdensome.
Consumer complaint received 2021-09-22
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. (OK)

In XX/XX/2021, I sent a total payment of {$830.00} in full settlement of the amount reported to the credit bureaus. I noticed few weeks later that the collection agency reported receipt of {$750.00} contrary to the money order sent. I sent evidence of the payment to Experian and XXXX credit reporting bureaus however, their conclusion did not change the negative report on my credit report. 

The collection agency reported to Experian and XXXX that I still owe XXXX XXXX XXXX ( Original owner of the account ) {$87.00}. This is an abuse of customer right to fair report as full payment was made as full settlement. An amount of {$87.00} as still owed was reported by the collection agency to the credit bureaus. I have disputed this claim multiple times with Experian and XXXX and nothing has changed despite compelling evidence submitted to the credit reporting bureaus.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no XXXX  party involved. Please review the uploaded letter.
Consumer complaint received 2023-06-03
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: JPMORGAN CHASE & CO. (CA)

JP Morgan Chase Bank double charged my XXXX transfer made in XX/XX/23, resulting in {$1900.00} taken from my account without authorization. My account has been overdrawn by almost {$900.00} dollars for more than XXXX hours now. Chase Bank has not returned my funds, and can not or will not give me a time frame for when they will be returned. I can not get groceries, pay other bills, or do any sort of financial transaction at this time.
Consumer complaint received 2021-09-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc (SC)

Several requests have been sent to this Debt collector. This is the formal complaint against BULL CITY in regards to acct # XXXX. 
I have not received any response, for the company has failed to comply or adhere to my previous request that was sent by certified on XX/XX/2021. By not replying they have failed to adhere to the FCRA by not responding within 30 days nevertheless 60 or 90 days.
Consumer complaint received 2022-03-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (AR)

Re : A Formal Complaint that I am not eligible for a refund or reevaluation of the period that I made payments over the 120 months requirement of my student loan payments while being a federal employee because under the limited PSLF waiver I can not be reimbursed because I have already paid off my loan. 


Respectfully, This letter serves as my formal complaint with regards to the aforementioned subject matter. This complaint is based on the ground of my ineligibility for a waiver of my student loan for all my amounts paid over 120 months, while I worked as a federal employee. 
The original balance of my loan when I graduated from XXXX University in XXXX XXXX Missouri in XX/XX/XXXX was {$15000.00}. I began paying my loan promptly on XX/XX/XXXX. At that time, the only federal loan was the Federal Family Education Loan ( FFEL ) and it was promoted to the public as a federal loan. Accordingly, I made 15 consecutive years of on-time payments till the loan was repaid on XX/XX/XXXX. 
It is worth noting that I have worked for the federal government the entire time from XX/XX/XXXX to the present at the Social Security Administration. In XXXX, the law was passed to have federal student loans forgiven if one worked for the federal government. Accordingly, I filed my paperwork to have my loan forgiven on XX/XX/XXXX. However, my loan was rejected by the Depart of Education on XX/XX/XXXX. They stated that they can not honor Federal Family Education Loans ( FFEL ) and I need to consolidate to a Direct Loan Repayment Plan. 
The Department of Education also stated that if I consolidated on XX/XX/XXXX, they would not honor the previous 8 years of paying on the loan. Therefore, if I consolidated on XX/XX/XXXX the earliest the loan could be discharged was XX/XX/XXXX. This was not to my advantage because I would clear my paying obligations on XX/XX/XXXX
Consumer complaint received 2022-09-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KS)

On XX/XX/XXXX, I deposited a claim check from XXXX into my Bank of America checking account using the mobile app. I used my Mothers cell phone to log into my account as my data service on my phone was not working properly. I was required to two-way authenticate via text message to my personal cell phone in order to log into the account, which was done appropriately and as usual. Once I completed the mobile deposit information, I received a confirmation from Bank of America stating that the deposit had been accepted at XXXXXXXX XXXX  on XX/XX/XXXX - Email confirmation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, directly after I submitted the mobile check deposit and had received the confirmation, I received notice from Bank of America that my account was locked and that I needed to reset my password . Upon trying to reset my password, I could not get the account to log in which prompted me to call Bank of America directly to discuss the account issue. 

- Email stating account is locked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Upon calling Bank of America, I was transferred to the Account Closure Department, which informed me that Bank of America had decided to close my account and would not release any information as to why. Bank of America accepted a large check into my account, and then prevented me from accessing any of my money that I held in the account. I am told that since I have an active dispute on my account for a fraudulent charge placed on the account by XXXX, that it is delaying my account closure and I am not going to be able to access my money until XX/XX/XXXX ( which is 90-days until XXXX has to respond to address the fraud charges they placed on my account ).
Consumer complaint received 2022-03-02
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

On XX/XX/2022 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. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.
Consumer complaint received 2021-09-22
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Open Dealer Exchange, LLC (AL)

Contacted bothXXXX and XXXX several times to dispute duplicate credit from 700Credit. 

Only ( 1 ) of these many inquiries were made outside of XX/XX/2020 and should be deleted for the reason of duplicate credit inquiry entries within a certain period of time. 

XXXX and XXXX are able to see all of these inquiries and dates but have refused to take immediate action to delete these entries but instead placing the burden on the individual disputing the item ( s ) to complete a burdensome process. 

Lenders can confirm current or previous credit requests for customers but instead contribute to lowering consumer credit report scores by fraudulently processing multiple credit inquiries. 

Credit bureaus should also provide consumers the right and a way to dispute inquiries within their credit report files such as other account dispute processes either online or over the telephone with a representative.
Consumer complaint received 2022-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

I NEED HELP!! I have recently looked at my credit report I noticed that someone was using my information to apply for credit. I live in XXXX I use to live in XXXX. I need to update my correct name and address on my credit report. My Name is XXXX XXXX  XXXX. mY CURRENT AND ONLY ADDRESS IS XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX IL XXXX. THE FOLLOWING ADDRESSES ARE NOT MY PLEASE DELETE : 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  THERE ARE TONS OF UNKNOWN CELLPHONE NUMBERS ON MY CREDIT REPORT PLEASE DELETE : 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. I have never had this many phone numbers in my life please delete them they are not accurate.
Consumer complaint received 2022-03-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (FL)

I am a natural person/not a third party company Discover bank is in violation of federal law and my consumer rights and privacy. 
They sold my open end credit plan pursuant to 15 usc 1602J along with my location information pursuant to 15 usc 1692a ( 7 ) which result in aggregated identity theft pursuant to 18 usc 1028a. They are also in violation to 15 usc 1611 by providing false and misleading information to my consumer report by stating my account was charged off as bad debt but congress law doesnt define what a charge off is. And in violation of 15 usc 1681a ( 2 ) ( I ), they are reporting experiences and transactions to my consumer report that are supposed to between consumers and discover bank.
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 — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act accounts listed below have violated my rights. These accounts have shown as " VERIFIED '' by the credit reporting agency. I have provided proof of my credit report ( current ) that shows in fact that the inconsistencies are still on there, 15 USC 1681 sections 604A Section 2 it also states a consumer reporting agency can not furnish accounts without my written instructions.

The below listed accounts are inaccurate and is improper use of my credit report... 

XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Closed Charge off )
Consumer complaint received 2023-02-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

In accordance with the Fair Credit Reporting Act, XXXX account number XXXX XXXX has violated my rights. 

Statue 15 U.S.C 1681 s. 602A. States, A consumer ( myself ) has the right to privacy.

Statue 15 U.S.C 1681 s. 604A. States, A consumer reporting agency can not furnish an account without the written instructions or consent of the consumer ( myself ). 

XXXX, TRANSUNION and XXXX has furnish inaccurate information on my personal credit file. It is clear violations being committed by these bureaus. I have attempted many time to rectify this matter by disputes. Each time it comes back updated and not deleted and removed as it should be by law. Please remove and delete this inaccurate information from my credit file immediately. 
The account is paid in full and agreed by the lender to be reported as CURRENT, ON TIME and CLOSED. Each bureau is reporting different information as you will see in the documents I proved.
Consumer complaint received 2022-03-02
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION (MD)

I have banked with SunTrust for at least 20 years and have used their online banking interface for the past 10 years. I live overseas, so it is critical for me to be able to do all of my banking and bill pay online. SunTrust has been going through a merger with another bank for the past couple of years and during this time, the online banking has gradually been shifting to the new platform for the merged institution, called Truist. 

I have checking, Money Market and savings accounts with SunTrust ( now Truist ) and use both a debit card and a credit card from the institution. This is my only personal credit card and this is the only bank that I do regular business with. My salary is direct deposited into this account on a biweekly basis. 

I normally go online and check my transactions and pay bills shortly before or on the first of each month. When I tried to do this yesterday ( XX/XX/XXXX ), I could no longer log in through the Suntrust interface and was told to go to Truist. The Truist log-in page kicked me back to Suntrust. I kept getting an " invalid user name and password '' on each page. None of the customer service phone numbers work - after going through all of the prompts, a recording tells me that the wait time is over 60 minutes and then it cuts off after several minutes.

Hence, I have no access to any of my funds and no way to contact the bank. I am helpless to do anything. My bills will be overdue ; penalties will be charged and my credit score may be affected. I am a loyal customer with an excellent record and a fair amount of money with this bank. There are numerous reports on line from people having similar experiences with SunTrust ( now Truist ) and several XXXX groups have been formed to collect complaints and experiences- since there is no way to to even contact the bank to inquire or complain directly! I am outraged and a bit panicked that I'm unable to access any of my funds. Please help.
Consumer complaint received 2022-09-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I have noticed multiple inquiries on my credit report that I do not recognize. There are also inquiries that I do recognized but never consented to have the inquiry placed on my report. The follow is a list of these above mentioned inquiries I would like removed from my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It appears that someone other than me has obtained my personal information and has been attempting to use it try and get credit with it. With this being a major issue for me I would like to place a credit freeze on my account and given further instructions on how to proceed with the situation. Thank you.