davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-20
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (NY)

I returned merchandise to a merchant in the amount of {$58.00}. The merchant processed the refund to be sent to my American Express Bluebird card, however, Bluebird removed the refund from my available balance by debiting my card for {$58.00} and it's description reads that the transaction is being held for merchant review. Everytime I have a return transaction, Bluebird chooses to prevent my access to the returned funds. It happens all the time. Bluebird always blames the merchant for the hold rather than taking responsibility for their own actions on my account. Other financial instruments from other companies I've used have never taken away and held my refund using the same exact merchants. This us an ongoing problem. They are currently holding funds from me that they have received from a merchant for no valid reason and I demand access to my funds.
Consumer complaint received 2020-03-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (MI)

Loan should be discharged and prior payments returned to me, due to legal action brought against XXXX for misleading recruiting tactics and job placement information. 

Fedloan Servicing has reviewed this information and facts previously, and ignored the courts order, and continued to collect my loan without any discharge consideration or some type of relief of this debt!
Consumer complaint received 2020-02-26
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

Rash Curtis company is trying to collect two medical bills that I do not owed. One for {$170.00} and the other for {$160.00}. They are denying that they are trying to collect the {$170.00} although it is on my credit report from them. They have trashed my credit.
Consumer complaint received 2019-11-20
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)

I disputed items on my credit report with Transunion and XXXX  and they sent a response stating that they investigated my dispute however they failed to provide me documentation showing that they did an investigation. they stated that they asked the furnisher of information and they confirm or stated that the debt belong to me.

I then requested that they send me the Method of Verification and i only received another letter stating that they verified what i was disputing. they keep sending these generic letter and not doing what the law requires.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ). they are required by Federal law to verify- though the physical verification of the orginal signed consumer contract - any al all accounts they post on a credit file. otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account.

Accounts from Transunion that I want method of verification done and written verification in the way of a contract are : 1 ) XXXX  XXXX account # XXXX 2 ) XXXX  XXXX account # XXXX 3 ) XXXX XXXX XXXX account XXXX XXXX Accounts from XXXX  that I want method of verification done and written verification per Section 609 ( a ) ( 1 ) ( A ) and written verification in the way of a contract are : 1 ) XXXX   XXXX account # XXXX 2 ) XXXX XXXX account # XXXX
Consumer complaint received 2019-11-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIRST NATIONAL BANK OF OMAHA (WI)

This complaint is not about my ability to pay. Rather, I believe this credit card, a TCF Bank Visa issued by First Bankcard of Omaha, is intentionally misleading cardholders through the Minimum Payment Due language. 

The stated Minimum Payment Due amount is always higher than the payment shown in the Minimum Payment Warning chart that shows how much time it will take to pay off the balance if paying the minimum payment as opposed to making a payment of another amount. 

So, for example, the Minimum Payment Due amount on my latest statement is {$74.00}. According to the Minimum Payment Warning chart, if I make only the minimum payment ( and make no additional charges, ) I will pay off the balance in " about ... '' 5 years. However, If I make no additional charges and want to pay off the balance in 3 years, the amount I am advised to pay is {$62.00}. 

One can not make a lower payment and pay the balance off in less time, obviously. I believe this misleading and incorrect information has been provided intentionally to manipulate people into making less than the minimum payment. I have spoken to the company about this and never got past " Oh, I see! That IS strange. I'll take this right to my supervisor! '' This practice has gone unchanged since the very first statement I received from the company back in XX/XX/2017.
Consumer complaint received 2023-08-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TRUIST FINANCIAL CORPORATION (NJ)

This was an unbelievable story. 

Truist Bank ( formerly Sun Trust ) ran a campaign to raise deposits, offering bonus to customers when new checking accounts are opened. I opened an account on XX/XX/2023 online, deposited {$50.00} as required via a credit card. I then followed up with direct deposits from work. But the direct deposits were denied and I was told by their Fraud department that my newly-opened account had been closed and that Truist had the right not to provide any cause. 

I have an excellent credit score of about XXXX by three major credit agencies. I do not understand why they closed the account, which may hurt my credit score. 

As to the {$50.00} initial deposit, Truist said that they could not credit it back to my credit card. They could not mail me a check either. The only way that I could recover the {$50.00} is to travel to their branch, which is about XXXX miles away. 

Is Truist Bank running a scam? They ran a campaign to attract new customers, then closed the accounts and refused to returned the initial deposits with easy and routine methods. 

The responses were terrible. I had to call 5 times to get their responses. They all promised to call me back, but no one did.
Consumer complaint received 2019-11-20
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. (NY)

On XX/XX/2019, I the dispute process with the Transunion credit bureau, XXXX  and XXXX   regarding a unverified bankruptcy that is currently on my credit report. I sent a certified letter on XX/XX/2019 requesting that they remove the unverified information on my credit file. All three bureaus responded back that the information had been previously verified. The next set of letters that I sent, dated XX/XX/2019 requesting the method of verification ; complete list of all documents and correspondence with the furnisher of the information, with the list of contact and names of the employees that they spoke to as part of this investigation. I have not received a response from XXXX  nor XXXX but I had received a letter from Transunion, stating that they an investigation has already been done that the information had already been verified. They all have failed to fulfill their obligation under the FCRA sec 611 ( 6 ) ( b ) ( iii ) and 7. I contacted the Bankruptcy court that was listed on my credit file, to inquired about the credit bureaus findings and the courts response was that they do not share information with credit bureaus nor any third party vendors. They have not completed a reasonable investigation. How then can these bureaus conclude that the information that they are reporting is verified. I want this unverified information deleted from my credit file. I have attached to this complaint the correspondence from the bankruptcy court listed on my credit file and proof and receipts of the letters I sent to Transunion.
Consumer complaint received 2019-11-20
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (GA)

XXXX I received mail from Wells Fargo ( WF ) indicating someone ( XXXX XXXX ) was attempting to borrow money ( obtain a mortgage loan using my home address ) from Wells Fargo using my home address as the property being borrowed against XXXX I called Wells Fargo and spoke to ( 2 ) people XXXX and XXXX ; neither of which could assist me. They refused to put me into contact with WF Security and Fraud and informed me that their Mortgage Dept. was closed until Monday I am a current WF customer for 35.5 years. I went on-line and attempted to contact their security department and the only option I was provided was to schedule an in-bank appointment with a personal banker XXXX @ XXXX I met with XXXX XXXX and her supervisor XXXX XXXX. XXXX called the Mortgage Dept., left a message, made copies of the letters I received and I have heard nothing from her since then. They did put a credit alert on our accounts. Case # XXXX o XXXX informed me that an XXXX XXXX XXXX would contact me ; never have heard from this person XXXX I got a Federal Express envelope with WF Loan application and documents. I proceed to call the WF Mortgage Dept. in XXXX attempting to reach the loan person XXXX XXXX, XXXX, # XXXX. I left message on XXXX and XXXX and have heard nothing in return XXXX I called again and spoke with another person XXXX XXXX, who called the incident compromised data ; never heard further from her XXXX called WF spoke with XXXX XXXX ( WF Mortgage Dept. ) @ XXXX # XXXX, who took a report, case # XXXX and I have since emailed him and he told me he has nothing to report XXXX called Corporate Exec Offices, I called XXXX XXXX, WF : XXXX, who told me to call Mortgage Dept., no return call from Mortgage Dept. 
XXXX called Corporate Exec Offices spoke with XXXX ( refused to give me her last name ) at WF XXXX, she took information and I heard nothing in return XXXX call XXXX XXXX again, XXXXX and no response
Consumer complaint received 2023-07-31
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. (TX)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, TX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : XXXX  XXXXXXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXXXXXX Balance XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance XXXX XXXX XXXXXXXX XXXXXXXX Balance : XXXX XXXXXXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX  ) XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2019-11-20
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. (PA)

On or about XX/XX/XXXX I try to apply car loan with XXXX the creditor inform me that I have a security freeze/ mismatch information on my credit report I never place a security freeze on my credit report on XX/XX/XXXX I checked my own credit report I foundout that experian change my name on my file without my knowledge at point I drafted a dispute letter notorized it send along with my drivers license social security card and us passport card as proof of identity as of today experian did respond to my disputed lock me out of credit report all without my knowledge
Consumer complaint received 2019-11-20
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Statebridge Company (NC)

Statebridge Company , LLC bought my second mortgage on XX/XX/2019. Statebridges first bill to me in XX/XX/2019 showed an amount in excess of {$1800.00}. The normal monthly payment is {$360.00} at a fixed payment and fixed interest rate. When I contacted Statebridge they told Me I had failed to make the last 5 monthly payments even though Statebridge has just bought the loan. I filed complaints with the North Carolina Attorney Generals office, and the North Carolina Commission of Banks. I submitted copies of electronic payments made to the previous loan services, XXXX XXXX XXXX, LlC. Statebridge reported false negative credit information to the 3 credit reporting agencies and has permanently damaged my credit. To this date Statebridge has not corrected their mistake, has not sent a correct statement for payment due, and has not corrected the outstanding balance due on this loan.
Consumer complaint received 2020-04-18
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: EQUIFAX, INC. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES AS IDENTIFIED AS INQUIRES THAT WAS PLACED AND REPORTING ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I AM IN THIS POSITION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE BEEN LEFT TO DEAL WITH THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT BEING IN THE STATE THAT IT IS IN. MY LIFE IS AT A STANDSTILL AND THERE ARE SO MANY THINGS I WOULD LIKE TO ACCOMPLISH. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE INACCURATE ACCOUNTS AND INQUIRES HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS DOES NOT BELONG TO ME.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have not supplied proof under the doctrine of estoppel by the silence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX presume that no proof of the alleged debt. Nor therefore any such debt in fact, therefore exist.. ( please remove this account before I seek litigation for defamation of character ) XXXX XXXX {$110000.00}, XXXX XXXX {$14000.00}.
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, FL XXXX Date : XX/XX/scrub>XXXX XXXX NAME : Equifax Address : XXXX XXXX XXXX XXXX GA XXXX RE : Letter to Remove Inaccurate Credit Information To Whom it may concern I received a copy of my Credit Report and found the following items, to be in error : ( dispute item and explanation ) 1.- following personal information is inaccurate ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX Please ( remove / update ) this account from my credit report By the provision s of the Fair Credit Reporting act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor cant verify. I understand that under 15 U.S.C. Sec 1681i ( a ), you must complete this reinvestigation with 30 days of receipt of this letter. 
Please send and update copy of my credit report to the above address. According to the act, there shall be no charge for this update report. I also request that you please send notice of corrections to anyone who received my credit report in the past six months. 
Thank You for your time and help in this matter, Sincerely, XXXX XXXX XXXX
Consumer complaint received 2019-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. ()

I was told by my bank, XXXX XXXX, that I have no credit report in the United States. Consequently Equifax/XXXX  have not given me a score. I question this because, I have a credit line with XXXX XXXX  that I have consistently and faithfully paid every month for years. I pay in excess of any minimum payment requirements and have always done that. I've never been in arrears. I'm a US citizen, have owned and paid off 4 houses in Florida, have had a successful business in Flordia, etc. I'm XXXX XXXX  XXXX and have been residing in the XXXX XXXX for the past 10 or so years. However, I have kept my account with XXXX XXXX and receive my US Social Security there. My concern is how can I have no credit history when I have one with XXXX XXXX which clearly demonstrates an excellent payment history. I also question how 50 years worth of credit history has just been wiped away. I feel like I'm being penalized because I cleared my debts before I retired. I keep this credit line so I can help my children. The reason that this all came about is that I request in increase in my credit line bacause I'm helping with some house renovation and the extra money would have been very helpful. It was denied because there isn't a XXXX Score because I have no US history. Does my history with XXXX XXXX not count or has it not been reported? I've been with XXXX since XXXX and with that same bank in Florida under its ever changing names due to mergere/acquisition since XXXX. I feel like I'm being punished because I have paid my debts and continue to do so and that is not being recognized. How many debts do I have to have before I become a real person!
Consumer complaint received 2019-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

In XX/XX/2018 I had to file for personal bankruptcy due to a failed business which I had personal guarantees on. I have a car loan with XXXX and I have never been late on a payment and I have been making payments since filing. XXXX has filed a negative credit report against me and will not report that I have been making payments. Since the bankruptcy was business related it has taken a long time ( 22 months ) and it is due to close in 30 days. 

This negative report and refusing to report that I have been making my payments is negatively impacting my credit score.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE ATTACHED.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NJ)

While logged into my account on my home computer, the same one I have logged into from for months, I was booted out of my Equifax account. I was then unable to get back in and was instructed to call customer care to fix the issue. 

After XXXX minutes of explaining to the first tier of customer service that the problem is not on my end ( I was asked if I was using a XXXX XXXX times ), I was told that they are escalating it to their technical team and it will hear back in 7 days. Which is, obviously, an unacceptable timeframe. 

XXXX days alter, I call again. I am told there is no record of an escalation and that they will now do an escalation and to wait another 7 days. 

Meanwhile, I have no access or control over my account and credit report.
Consumer complaint received 2019-11-20
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA (NJ)

I received a payment due of XXXX I reached out to the lender and explained I can't afford that high of a payment. They then calculated a repayment and now they want XXXX. I can't afford that amount, and sustain my rent, house bills. I have contacted them 6 times regarding the payment they had me do a consolidation which I never received a call or anything from them, they never return calls, and I can't afford the payment they want me to pay. I have worked on and off for the past 4 years with my current job being the longest, months right now. I want to repay my loans but I can not afford the outlandish payment they want me to make monthly. Help me please
Consumer complaint received 2019-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: SYNCHRONY FINANCIAL (AR)

PLEASE RE-INSERT THE FOLLOWING ACCOUNTS BACK ONTO ALL CREDIT XXXX/XXXX, XXXX BOTH XXXX, XXXX   XXXX XXXX, XXXX XXXX XXXX XXXX,
Consumer complaint received 2019-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (VA)

In XX/XX/2018 I had to file for personal bankruptcy due to a failed business which I had personal guarantees on. I have a car loan with Nissan and I have never been late on a payment and I have been making payments since filing. Nissan has filed a negative credit report against me and will not report that I have been making payments. Since the bankruptcy was business related it has taken a long time ( 22 months ) and it is due to close in 30 days. 

This negative report and refusing to report that I have been making my payments is negatively impacting my credit score.
Consumer complaint received 2020-02-27
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. (CA)

XXXX XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX INCORRECT BALANCE of {$1400.00}. I HAVE SETTLED AND CLOSED THIS ACCOUNT.