davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s )  responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.
Consumer complaint received 2019-08-16
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION (PA)

As cosigner of three student loans I am unable to be released after submitting the proper paper work.  There have been no late payments on the loans and no credit issues that would prevent release.  Sallie Mae is simply denying release.  They will not even consider one of the three loans.
Consumer complaint received 2020-04-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Lending Club Corp (MN)

My account charged off in error. Even after me making payments. 

I called in on XX/XX/XXXX two times, XXXX, XX/XX/XXXX, XX/XX/XXXX, and now twice on XX/XX/XXXX. I spoke to several people who informed me not to worry my account would be corrected and I would not be adversely affected. Today Lending Club reported to the credit agency 's that I have a charged off account which has made my score drop approximately 100 points. I think this beyond unfair to me as a consumer. I was reassured on several conversations with their company that this would not happen. 

I reviewed the documents sent to me for the loan and it does not mention anything about charge period being expedited. 

I called in on XX/XX/XXXX and made a payment via phone in which the rep told me she would set me up auto payments. Asked for a supervisor to call me. 

Called in on XX/XX/XXXX payment did not come out of my account because it was removed and still in a charge off status. I told them I would be happy to make my payment when this problem has been corrected. Asked for a supervisor to call me. 

XX/XX/XXXX still no resolution. No supervisor has called me since my request on XXXX. Every time I call I am told someone will call me but that never happens.
Consumer complaint received 2020-04-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

so I talked to the company and rudest manager Alive who had no idea what was going and she we are never crediting a late fee on any of your accounts ever again and I am really upset why are your customer service managers like robots and they never want to lift a finger to help these last 2 late payment were both due to corona virus and I finally was able to catch up my account I really need those XXXX late payment s gone it wasn't my fault on this and I really need your help to get them off there and none of your managers care what so ever
Consumer complaint received 2020-04-22
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. (NY)

I am a victum of ID Theft. I have been working with the 3 Burials. Only XXXX has corrected my profile and removed the fraudulent accounts open bay the thieves. 

I was informed by Transunion and XXXX that any and all corrections / removals to my credit profiles was at the of the creditors regardless that the XXXX deceives and police found that the account where indeed fraud and that ID Theft is in fact case in connection with my profile/ss #. 

Im on the verge of losing my business due to this fraud. My company was closed by NY state due to Corona and SBA has denied my loan because of the fraud making my scores low. 

XXXX and Transunion are not following the law.
Consumer complaint received 2019-09-09
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. (CO)

I had an old hospital bill on my credit report for {$660.00}. It was sold to a debt collector within a few months of the day I went to the hospital because I have never made any payments whatsoever. I have called the hospital & confirmed the date was XX/XX/XXXX. However the debt collector sold it to another debt collector called XXXX XXXX. This collector has purposely & illegally given inaccurate dates saying that the account is only a couple months old & that it was opened in XX/XX/XXXX so that it will be on my report for another 7 years from that date! I have filed an online dispute with experian & waited weeks & the results show nothing has changed after their investigation has been completed. Its still showing that I just opened the account! I have tried to call experian multiple times for 3 days with all the numbers I can possibly find. Theres no option for you to speak to someone on any line whatsoever. The automated system asks for your social & only gives you 2 options every time : buy a report or find out about some sort of fraud. Theres no option for disputes or anything else! I want this problem corrected as it does affect my credit badly!
Consumer complaint received 2020-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues. 

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.
Consumer complaint received 2020-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues. 

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.
Consumer complaint received 2020-04-22
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated (CA)

XXXX XXXX takes XXXX cents everytime you hear your balance and is said to have free customer service but you can not get customer service if you dont hear your balance first phone calls are often cut off or pushed forward to an automated system only giving you the option to start all over again and hear you balance again when it's not necessary due to quarantine I havent been able to get through to them what so ever but I was charged over {$3.00} for trying on the XXXX because I had to keep calling they are taking money that I dont have and not providing the service they say is free
Consumer complaint received 2020-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigate 1 collection l balance : {$2400.00} XXXX XXXX XXXX  Original creditor : XXXX XXXX SUPPLY {$2400.00} Account numberXXXX  Collection openedXXXX XXXX XXXX BalanceLoan Amount {$2400.00} {$2400.00} XXXX  XXXX XXXX  XXXX Account Info Hover over labels for more details Account numberXXXX Account statusOpen Date opened XX/XX/XXXX BalanceCredit Limit {$1600.00} XXXX XXXX XXXX {$2900.00} Paid, closed Account Info Hover over labels for more details Account numberXXXX Date opened XX/XX/XXXX Balance Loan Amount Payment Info Original loan amount {$5500.00} You have 13 inquiries These lenders have accessed your credit file : FACTUAL DATA Finance Reseller Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX FACTUAL DATA Finance Reseller Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Finance Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX FACTUAL DATA Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Mortgage Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Tenant Screeners ( Reseller ) Inquiry date : XXXX XXXX XXXX  Removal date : XXXX XXXX XXXX  XXXX XXXX  Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX XXXX  Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX  XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  XXXX All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXXXXXX XXXX
Consumer complaint received 2020-04-17
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (DC)

I applied for a Best Buy card to get financing on a computer I am purchasing for my home business. The card was advertised as having 24 months of interest free payments, and users would get 10 % off their first purchase. I applied and received notification that I would need to call, then the number that was provided would not let me get past the automated system without an account number which I didn't have as my application was in limbo. When I was finally able to speak with someone she approved my application and I opted for a store specific credit card since I only wanted to use it for financing this one purchase. When I went back to my cart to check out I was only given an option of 6 or 12 month financing with the card and there was no mention of getting 10 % off. When I called again I was told that " usually '' the offer is " up to 10 % back in rewards '' and according to the purchase in my cart I was eligible for 5 % back which would be {$60.00}. Had I known all of this at the beginning I would have  financed with XXXX because ultimately I would have had a longer period over which to pay and my monthly payment would have been less. This is a bait and switch, and I'm very upset. I'm currently waiting on a callback from the company, after having been on hold for 2 hours yesterday.
Consumer complaint received 2020-04-22
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. (AR)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX {$61.00}
Consumer complaint received 2020-04-22
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: EQUIFAX, INC. (AR)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX {$61.00}
Consumer complaint received 2020-04-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY (CA)

AmEx isn't resolving the transactions on my credit card. 
Below are the charges : XXXX {$670.00} XXXX {$460.00} XXXX {$170.00} XXXX  {$470.00} XXXX {$650.00} XXXX {$190.00}
Consumer complaint received 2020-04-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Firstsource Business Process Services, LLC (NV)

Debt collection agency notified me XX/XX/2020 I owed then for a aledged credit card debt. Following CFPB & FDC guidelines I sent the first request for Debt Validation on XX/XX/2020 entirely within the 30 days as required. I did not get a response at all. I then ( being nice ) sent another Debt Validation Certified letter on XX/XX/2020 and as of today which the 30 days has expired, have not received anything. I have all documents with necessary proof upon request.
Consumer complaint received 2020-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigate XXXX collection l balance : {$2400.00} XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX  {$2400.00} Account numberXXXX Collection openedXX/XX/XXXXBalanceLoan Amount {$2400.00} {$2400.00} XXXX  XXXX XX/XX/XXXXXXXX Account Info Hover over labels for more details Account numberXX/XX/XXXX Account statusOpen Date opened XX/XX/XXXX BalanceCredit Limit {$1600.00} XX/XX/XXXX {$2900.00} Paid, closed Account Info Hover over labels for more details Account numberXXXX Date opened XX/XX/XXXX Balance Loan Amount Payment Info Original loan amount {$5500.00} You have 13 inquiries These lenders have accessed your credit file : FACTUAL DATA Finance Reseller Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX FACTUAL DATA Finance Reseller Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Finance Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX FACTUAL DATA Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Mortgage Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XX/XX/XXXXTenant Screeners ( Reseller ) Inquiry date : XX/XX/XXXXRemoval date : XX/XX/XXXXXX/XX/XXXXXX/XX/XXXXMortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX XX/XX/XXXXXXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XX/XX/XXXXXXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XX/XX/XXXXXXXX XX/XX/XXXXXXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XX/XX/XXXXXXXX All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX 2020
Consumer complaint received 2020-04-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

In XX/XX/2019 I paid my bill for my Bank of America XXXX XXXX XXXX cash rewards Visa signature credit card one day late. I have never paid a bill late in my life, and have never paid a cent of interest ... I pay my whole balance every month. I am XXXX years old, so this has gone on for quite some time. Bank of America charged me a {$25.00} late fee ... I can not tell you how many times I have tried to reason with them about my perfect record ... and do you really want to lose a customer ... even during the COVID-19 pandemic. They are fighting me to the death on this.