davidheineman/consumer-finance-complaints-large huggingface dataset:
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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I had a load with XXXX XXXX XXXX. I was behind on some payment and made it known to them. Then for the past year play have been paying the payment in full and on time. I am still paying the payments each month. They have not reported that I have been continuing to pay the balance each month and stopped reporting in early 2019 when I still have the car loan through them and have been paying on time and am up to date that that is destroying my credit score. They havent updated it in a year and when I made a complaint they closed the account out which negatively effects my credit while the loan is still with them. I just want its to be up to date so I can continue to improve my credit and they are doing everything they can to negatively impact it while I have been paying in full and on time for over a year.
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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

There are two accounts reporting on my credit file that I was only an authorized user and I never asked to be. My ex husband put me on their without my knowledge and when I disputed the information the credit reporting agencies stated it was an individual account. I never opened nor signed for a XXXX XXXX /XXXX  account nor a XXXX XXXX account. All the bureaus did was report the information show it included under a bankruptcy but still have it listed under my name.
Consumer complaint received 2020-04-18
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VT)

I already submitted similar complain 4 times. 
My current mailing address XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX {$650.00} was not received by me. 
Do not mail check deposit it to my checking account in bank of America
Consumer complaint received 2020-04-18
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. (OH)

I have repeatedly asked for evidence to support Experian 's reporting. However, the organization has failed to provide a copy of any supporting evidence that might substantiate its claims. Moreover, I have requested their method of verification and have not received evidence of compliance. This too is a violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ). Still, there is no viable documented evidence that bears my signature and confirmation the accounts are accurately reported. 

Given the belief, this organization is acting in bad faith, by not complying with the Fair Credit Reporting Act, I have filed a formal grievance with the following : XXXX XXXX XXXX, Attorney Generals Office, and Federal Trade Commission. 

Experian is reporting incorrect and missing information. For instance, these items have the following : a ) incorrect account numbers, b ) inaccurate dates of activity, c ) inaccurate date of last update and d )  includes a collection account with a limit. 

According to an FTC Opinion Letter : XXXX : XXXX ; In sum, it is our view that a CRA that always scrambles or truncates account ( or social security ) numbers does not technically comply with section 609 [ of the Fair Credit Reporting Act ] because it does not provide accurate ( and perhaps not clear ) disclosure of all information in the file.
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 — Public record information inaccurate
Company: Experian Information Solutions Inc. (NV)

Disputed an inaccurate Chapter XXXX bankruptcy being reported to my credit report with all three credit bureaus, in XXXX of XXXX. In XXXX of XXXX, XXXX  deleted the inaccurate information. In XXXX of XXXX, XXXX  and third party information provider, XXXX XXXX, deleted the inaccurate information. Experian refuses to delete the inaccurate information and has not adhered to the time limit to settle disputes outlined by the Fair Credit Reporting Act. Experian has been investigating and delaying their decision on this matter since XX/XX/XXXX. This date extends well beyond the allowed time by the Fair Credit Reporting Act and is a blatant violation of my rights.
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

My refinance company checked my credit and I was inundated with unsolicited loan offers. I have been receiving so many phone calls it's having a negative effect on my business and it's costing me money.
Consumer complaint received 2020-04-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Once again capital continues to charge incorrect Interest charges but it clearly states on my contract that " interest charges accrue on every unpaid amount until it is paid in full. until it is paid in full ''. Which the amount was paid off before the due date and there was no purchase made for the interest to accrue.Capital continues to take money from their customers and when you call them, their agents are very nasty.Why use a company that can not even respect their customer. This is the quick silver account ending in XXXX paid off for XXXX.
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. (TX)

I went to XXXX XXXX XXXX to shop for a ATV. As I was getting ready to pick the one I wanted I sat with my sells men. He told me I had to get my credit pulled to see if I was able to finance the ATV. We took a look at my credit report and none of the items listed on my report are mine. Please remove the items listed previous from my report and the ones listed below.
Consumer complaint received 2020-04-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Check Resolution Inc. (CA)

On XX/XX/XXXX I received a call from National Check Resolution. The voicemail said that NCR was forwarded my account information from XXXX. They falsely stated that XXXX had a lien against me personally and against my company. I received another voicemail from NCR on XX/XX/XXXX, this time they threatened that they were going to begin an asset investigation on both me personally and my business for a debt owed to XXXX XXXX. As of XX/XX/XXXX I have not received any formal letter from NCR to validate this debt and they have not allowed me the opportunity to dispute this debt. Prior to these events, I had already sent two formal dispute letters to XXXX by certified mail informing them that this account was opened fraudulently as a result of identity theft. The first letter was sent on XX/XX/XXXX and XXXX received this letter on XX/XX/XXXX. The second letter was sent on XX/XX/XXXX and XXXX received this letter on XX/XX/XXXX. I did not receive a response to either letter. XXXX was provided A copy of my Identity Theft Report, A copy of my Lost/Stolen Confirmation Notice For My Business Account, and a copy of the FTC Notice to Furnishers of Information specifically calling out their responsibility to cease providing the inaccurate information to any nationwide credit reporting agency and ensuring that they do not attempt to sell or transfer the fraudulent debts to another party for collection. They violated my rights by selling this debt to NCR. In both letters I asked XXXX to please investigate this matter, close the account and absolve me of all charges, take the steps required under the Fair Credit Reporting Act, and send me a letter explaining their findings and actions. Nothing was done on either occasion.
Consumer complaint received 2020-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (CA)

Experian emailed me offers repeatedly to try their product ... 

Experian Boost* Instantly raise your FICO Score for free. Over 1 million Americans have boosted so far! 

I did not respond. 

Then I get an email notifying that my score dropped approximately 30 points to believe the average then reduced is about XXXX. 

Experian said increased usage. True, a veteran in government service with XXXX, I moved from Virginia to California ; accordingly, monthly balance for one month, which I paid off when due, increased from about $ 1k to $ 3k for one month. 

It appears that my score dropped to entice me to use the Boost product to restore the prior, high score. 

I froze/locked all three. 

How can the credit rating reduce my score in middle of pay period given a history of paying off card balances at end of each month? 

It appears that one or more of the credit agencies are manipulating scores to coax customers into adapting use of agency products. 

? 

Thank you. 

XXXX
Consumer complaint received 2020-04-22
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Trident Asset Management, L.L.C. (CA)

Dated XX/XX/XXXX with this account number - XXXX and this collection date of XX/XX/XXXX. The debt is a Returned Check for the Amount of {$510.00}. It was placed on my credit report by TRIDENT ASSET MANAGEMEnt for the Original creditor of XXXX XXXX. The Contact information listed is XXXX XXXX  XXXX XXXX, XXXX, GA XXXX, ( XXXX ) XXXX. Disputed at least 4 times with no help from the credit agencies. I want this false information taken off my credit report. Here is my story : I did not bank with XXXX XXXX in XXXX. In fact my account with them was closed in XXXX. 
I have disputed this at least 4 times and I've asked them to send me a copy of this check. I've gotten no reply from the company and 've gotten no help from the credit companies, ie, XXXX XXXX and XXXX. I want this false information taken off my credit report. 

I'd also like to know why the credit agencies make the consumer prove the information showing on their report is wrong. Why isn't the company placing the negative information on a consumer 's credit report responsible for showing the accuracy of the complaint? An example is the complaint I am submitting. I've asked them at least 4 times to remove this information and have told them the company refuses to send me information so that I can verify this debt. If the company putting an outstanding debt on someone's credit report can't submit proof of the debt why are they allowed to put it on there? Why are they not required to show proof of the debt before being able to put it on a person 's credit as a bad debt? Especially since a credit report can make or break a person 's life? Why is it that the consumer is always considered wrong in this process? Companies aren't exempt from making errors. If people are denied employment because of the information placed on their credit reports, why isn't that company required to prove that debt before the credit agencies just blindly put it on there. I think we are working with antiquated processes in the 21st century. Maybe this whole credit reporting should be looked at and updated to the way we live now days. If the consumer is disputing something and the company that put it there can't prove it, it should automatically taken off. Please advise.
Consumer complaint received 2020-04-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (FL)

I have amex card since XXXX not one late payment not one over balance charge. I paid balance down XX/XX/XXXX for {$200.00}, XX/XX/XXXX for XXXX, XX/XX/XXXX for {$670.00} and XX/XX/XXXX for XXXX and I have brought my credit score up from the XXXX to XXXX since XXXX. But now AMEX lowers my available credit by over XXXX after I worked so hard to bring balance down and all my scores have been increasing. This in turns hurts my credit score as it affects available balances. I was told if I make another {$600.00} payment that my limit will go back up so On XX/XX/XXXX I made a payment of {$700.00}. What a way to take advantage of what is going on in world today and what a way to treat a client that has never been late and had just paid off huge chunk of credit. 

This is so wrong yes let us ruin peoples credit oh look they just paid off their balance so we going to lower their credit limit and hurt their credit score. Yep that is a way to do business. 

I am requesting that my limit be restored as they state it would by making me pay an additional {$700.00} after all the other payments.
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

XXXX  has false information due to a report that I later found that is from fraud. I want this issue promptly resolved. The reported information is from XXXX XXXX  resulting in {$2200.00} and I also had a fraudulent charge from Bank of America resulting {$2600.00}.
Consumer complaint received 2019-01-13
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. (TX)

On XX/XX/XXXX I notified EQIFAX, XXXX XXXX and XXXX of a Charge off that has been on my account past the statue of limitations. They have taken no action and the charge is still on my credit report. The charge off in question is from XXXX XXXX XXXX Account # XXXX Amount XXXX with a charge off date of XX/XX/XXXX.
Consumer complaint received 2020-04-17
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Conduent Incorporated (MS)

On the XXXX of XXXX, 2020, I was at an ATM in XXXX, MS and I went to use my card and immediately new something was wrong. I had over {$2500.00} on my card and knew that I shouldn't have had a problem using the card. After pulling up the account information from home I immediately noticed numerous of charges that I did not make. All of the charges were made in XXXX, XXXX XXXX and XXXX, FL and totaled {$1600.00}. 

I immediately tried to contact the Eppicard customer service on XX/XX/2020 and after waiting on hold I was hung up on numerous of times. When I finally got a representative on the phone and gave them all of my personal information to access my account they hung up on me. The next morning, I went to check my card and my pin number was changed. I continued to call back on XX/XX/XXXX and XXXX but still couldn't get through to anyone. I was also at this point convinced that this was an inside job. I have done everything within my powers to report this fraud to Eppicard and dispute these charges. 

I have had to miss work in order to file reports and make phone calls as an attempt to get my money back. Unfortunately, I was unable to reach anyone at Eppicard and I was told by a XXXX ( The bank on the back of the card is XXXX XXXX ) representative that they can't access Eppicard accounts from there system and there was no opportunity to email or chat live with anyone from Eppicard about the issue. This company has to be held accountable. 

Please find attached a copy of the police report card with case number, and a copy of the transaction statement. I will also contact for phone service provider if I need to, in order to prove how many times I have called this company to report this matter.
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: Fidelity National Information Services, Inc. (FNIS) (FL)

ChexSystems has false information due to a report that I later found that is from fraud. I want this issue promptly resolved. The reported information is from XXXX XXXX resulting in {$2200.00} and I also had a fraudulent charge from XXXX  XXXX XXXX resulting {$2600.00}.
Consumer complaint received 2020-04-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC (NJ)

There was a medical collection that was placed on my credit by NTL XXXX XXXX in the amount of {$5500.00}. I was covered by insurance at the time and date of service at XXXX XXXX XXXX. I had also provided my insurance information. After much research, my insurance informed me that they initially were contacted by the hospital concerning myself being actively covered, which I was, on XX/XX/2018. They also informed me that the hospital never followed up and submitted an official bill for payment. There was no follow up or follow thru. Insurance claim fell thru the crack as not fault of mine. This item was then placed on my credit. My credit score decreased -112 pts. After reaching out to the hospital I was  sent in several circles. I contacted my insurance who then reached out to hospital billing. My insurance denied payment as the bill was submitted after the filing limit.
Consumer complaint received 2020-04-22
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. (DC)

I need to fix a debt that was incorrectly sent to collections ( it has been paid in full ). I opened disputes with XXXX and XXXX. I could not log into Transunion. I spent an hour on hold with their phone line, at which point I spoke to a customer service rep who told me that they had disabled web-based dispute filing due to the COVID-19 emergency. This is ridiculous and outrageous. He then told me that because my account had previously been the victim of fraud ( some credit cards were fraudulently opened in my name ), a different department would have to field my dispute. I was transferred to their hold line. After 15 minutes I had a work obligation and had to hang up. 

I feel that Transunion has an obligation to provide expeditious dispute filing to the Americans they track.
Consumer complaint received 2020-04-17
Product: Payday loan, title loan, or personal loan — Payday loan
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. (TN)

I contacted XXXX XXXX and their collections agency XXXXXXXX XXXX XXXX regarding a pay in full settlement for account # XXXX. On XX/XX/2020 XXXX XXXX XXXX processed my payment in the amount of {$1300.00} as payment in full and on XX/XX/2020 sent a letter to me confirming that the account listed above has a balance of XXXX. I then dispute TransUnion 's and XXXX  's reporting of a remaining account balance of {$1500.00} but both credit reporting agencies ( CRAs ) respond that the balance is correct. This is impossible as I have evidence of payment made and payment receipt. Per the Federal Credit Reporting Act ( FCRA ) once I submitted my dispute the credit agencies are supposed to reach out to XXXX XXXX to verify account information including balance due in order to ensure my credit report is correct. Per the FCRA the furnisher of information to a CRA is bound to provide accurate information. That said it appears that both CRAs were given incorrect information by XXXX  XXXX  which is a violation of the FCRA and allows me the right to sue in state or federal court. A copy of this complaint has been forwarded to the XXXX XXXX XXXX XXXX Illinois and other appropriate entities.
Consumer complaint received 2020-04-17
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. (OR)

XXXX XXXX issued a credit card under my name fraudulently. I was the victim of Identity theft and have filed reports with Identitytheft.goc as well as a police report. I asked that the account be cancelled and a notice sent to the credit reporting bureaus acknowledging that this was a fraudulent account. 

Despite contacting the agency ( phone, I do not have dates ) and last month by email, I have not heard anything back from the company, nor have the credit reporting bureaus Thank you, XXXX XXXX
Consumer complaint received 2020-04-17
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. (AR)

I got an email that my score dropped. I looked and saw some new inquires. I also noticed some older ones that I don't recognize. I've been struggling with identity theft since I was XXXX. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX These are the unrecognized ones. 

I also noticed that when I applied for my car, they ran it 8 times. Is the dealership allowed to do that?
Consumer complaint received 2020-04-17
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with fees or penalties
Company: BBVA FINANCIAL CORPORATION (ID)

I opened a CD for {$1000.00} with BBVA USA on XXXX. The term was one year making the maturity XXXX. Because of covid-19 issues, I needed access to the funds prior to maturity. The BBVA USA website indicates that because of covid-19 " Penalty-free CD withdrawals for CDs opened prior to XX/XX/XXXX. Available on request. '' The agent with whom I spoke said that penalty free CD withdrawals were not available. I referred him to the disclosure on the BBVA USA website. He reiterated that penalty CD withdrawals were not available. As such, I was assessed a {$35.00} penalty. 

I think this is unfair since the BBVA USA website indicates that penalty free CD withdrawals are available on request and I requested such. 

I have attached a copy of the BBVA USA website with the appropriate section highlighted. I have also attached a copy reflecting the {$35.00} penalty that I was assessed.