davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-09
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. (AL)

XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX I've written XXXX, TU, and XXXX saying I don't believe this account is mine. No proof from them or XXXX I keep going back and forth with bureaus asking for debt verification/signed timeshare documents and all I'm being told is it's verified. I ask what information was provided? Who did the bureau contact because I get no response when I write XXXX - not even when I sent the letter certified USPS mail return receipt requested which they signed for on XX/XX/XXXX. If XXXX can tell XXXX  it's my debt how come neither company can send me the documentation used. The bureaus are not really looking into this and it's affecting my ability to obtain credit and it's causing me stress! I'm a XXXX XXXX  and right now moving essential supplies across this country requires my full attention and I'm distracted with this process going on for over 6 months. Enough is enough! 
I want this removed! It is not verified and I don't believe it is my account. I am attaching a credit report after the investigation and the certified receipt sent to XXXX.
Consumer complaint received 2021-10-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (OH)

No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Consumer complaint received 2020-04-09
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6700.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XXXX XXXX XXXX and the subsequent response received on XXXX XXXX XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6700.00} -This is not my account.
Consumer complaint received 2020-04-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: KEYCORP (CO)

Hello, my name is XXXX  XXXX XXXX. I am from XXXX XXXX Colorado I have a key bank account credit card. we have had several deaths in the family in the past 6 months and now I have been out of work for almost 4 weeks. I knew I was going to be late on a payment due to helping to pay for family death cost. I contacted KeyBank and asked if I could make a double payment on the next payment date. This was in XXXX and agreed to pay a double payment for XXXX which should have been {$180.00} as they stated that they would waive the late fee. They charged me {$200.00} regardless of stating they would not charge me a late fee. Last month I made my payment on time which is normally {$90.00}. They informed me that though they waived or stated that they waived the late fee for the previous month which they did not, they reapplied the late fee to the payment due which they did not tell me that until after I made the payment which made my account go negative. I have spoke with them three times now and told them when you waive a fee you can not reapply it somewhere else that's called fraud and it is against the law. They did not want to work it out even though I made my payment on time last month. I told them I would send them {$5.00} a month until this account is paid off and to close out my account as I could not do business with someone that is dishonest. When you tell someone you're going to do something nice for them to help them out due to their circumstances that's what you do, you don't reapply it somewhere else that's called being dishonest. I have had my key Bank credit card for several years and have been in good standing with them making my payments on time until last year with the deaths in the family kind of cut things short and then just after XXXX we had more deaths and now the coronavirus. I have not ever known this organization to be dishonest like this in the past but I guess that's what they are now
Consumer complaint received 2022-12-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (MA)

I filed a previous complaint in XX/XX/XXXX ( Complaint # XXXX ) for a payment in the amt of {$6100.00} that I made on XX/XX/XXXX during the time of their " upgrade '' that they alleged was missing. I began with filing a dispute with them in XXXX and sent them the Electronic Transmittal form in their secure message system XX/XX/XXXX & the same documentation again on XX/XX/XXXX per their request. They closed the dispute on XX/XX/XXXX stating they didn't receive the documentation & then reopened the dispute on XX/XX/XXXX. We resent the same documentation again & they wanted an additional 90 days. They sent a XXXX  dated XX/XX/XXXX still stating they didn't have the documentation. The 60 days response to the previous complaint was due XX/XX/XXXX. I receive a letter dated XX/XX/XXXX that they located the missing payment of XX/XX/XXXX in the amt of {$6100.00}. They also stated they previously credited the late fee & finance charges that were assessed in XX/XX/XXXX. However, they failed to credit the finance charges on the other 5 months up until XX/XX/XXXX. A total of {$780.00} in late & interest fees accrued however the only credit I received was {$260.00}. Total still due is {$520.00}. I spoke w/ XXXX XXXX ID XXXX ) XX/XX/XXXX who agreed the credit wasn't issue at the time the dispute resolved & provided me w/ confirmation # XXXX & stated my credit would be issues in 48-72 hrs. I called on XX/XX/XXXX to find out that on XX/XX/XXXX the credit was deleted. The total amt due on my XXXX statement is {$840.00} which is {$320.00} in new charges & XXXX in interest. I will be paying by due date of XX/XX/XXXX to avoid any further interest charges. During the 6 billing cycles following this dispute, I paid my entire balance on new charges as I have since I have been a customer, I never carry over a balance. The only charges I didn't pay was the disputed missing payment of {$6100.00} and the interest charges from XXXX XXXX XXXX and the late fee of {$30.00} in XXXX. Attached our the interest charges, credits & monthly payments.
Consumer complaint received 2020-04-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: GOLDMAN SACHS BANK USA (CA)

XXXX XXXX apple card ( mastercard ) offered to allow customers to skip XXXX payment if the enrolled in customer assistance program, I enrolled and got a message a few days later that said I made a offline payment to them, upon further investigation I discovered they took my entire cash rewards balance. I immediately contacted customer service and complained and received an email acknowledging I was enrolled In customer assistance program and they returned the money from my cash rewards, yesterday while closing the card they told me my cash awards account balance was XXXX
Consumer complaint received 2019-04-16
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. ()

XXXX and Transunion are reporting incorrectly that I am 120 days past due on the XXXXXXXX   account. Please see the attached spreadsheet of reporting bureau and account number. Also, please reference pages 4 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. This account is currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2020-04-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION (DE)

Back in XXXX, I sent a complaint to your company in regards to the loan from Capital one auto, the only thing I received from them was a letter from the company president belittling me and saying that I had not paid them and the loan was past due. Well, I reviewed the account where payments have been paid, but have not posted and they will be listed below. I do have copies of my statements, but I will list the payments below. XX/XX/XXXX there was a payment made {$360.00}, this would have been for XXXX. Then again on XXXX {$100.00}, XX/XX/XXXX for {$140.00}, XX/XX/XXXX for {$180.00}, XX/XX/XXXX for, {$280.00}, XX/XX/XXXX for {$180.00}, I called in XXXX and was said the account was current, XX/XX/XXXX {$360.00}, and payment of {$310.00}, which they still say is past due and it is not showing as posting with them. The last payment they have is for XXXX. I've called and no one can tell me why they don't see the payments or where they have been, meanwhile they are reporting to the credit bureaus that my account is delinquent.
Consumer complaint received 2020-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (IL)

I have a fraud alert on my reports, with the WRONG phone number, I have contacted the burials sever times, Please you guys update my info and you also have incorrect job history please remove it and put the correct info and phone number. I see why i have so much fraud because you guys have a wrong number I been trying to change it for 9 months XXXX XXXX XXXX XXXX Cell phone Work ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) 22 years as a XXXX XXXX XXXX XXXX at XXXX XXXX
Consumer complaint received 2020-04-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Delivery Financial Services, LLC (CO)

Contacted XXXX XXXX to remove the items from my collections report. Escalated to 3 supervisors and they told me Delivery Financial services are the only ones who cant remove the items. Items were paid in full and they shouldve never been charged. I paid for everything upfront and had 4 items placed in collections for the same procedure. XXXX is putting all the blame on delivery financial. I have contacted delivery and they keep telling me to contact XXXX XXXX.
Consumer complaint received 2020-04-09
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (MD)

Dear Sir or Madam, First of, I would like to thank you in advance for paying attention to my case. 

I end up with private from Salliemae back in XXXX as XXXX UniversityXXXX students for a Bachelor program. It was explained to me then that the only loan, I was qualified for was private loan due to a lack of credit history and co-signer. 
So I signed up for the loan with variable interest at 9,99 % ... since college was key to become a free thinker, a productive member of Society ... at least that was the dream. 
After my graduation, I was unemployed and asked for forbearance, quickly reality sinked in ; as I was slammed with {$300.00} fees. So since XXXX, I have been paying for my loan without missing a beat.I tried multiple times to consolidate with no luck. No one will even listen. This is a predatory behavior. 
Even with FED interest rate at 0, I still pay 3.50 % .Now with COVID 19 they still want me to pay with interest at 3.12 %. I paid per year an average of XXXX in interest.Another point is Salliemae have sold my loan multiple time without even consulting with me Now my loan is within Navient. 
Please can you help so I can have 0 interest for six months as humanity is dying. 

Sincerely XXXX XXXX
Consumer complaint received 2020-04-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Time Investment Corporation (NC)

we are in the midst 0f the most horriffic times, COVID19, I have lost my job indefinate. I have asked for deferrment or forebearence, they are not receptive Aand seeem as if it is my fault for no Job, seems as if I recall an order being signed STAY HOME SOCIAL DISTANCING. I do XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX consumers especially the high risk and elderly do not and have said Not to enter our home, when you subcontract off a contractor, you dont have a choice.
Consumer complaint received 2021-10-14
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: WELLS FARGO & COMPANY (NV)

I have fraudulent charges on my credit card with Wells Fargo. Wells Fargo can not seem to get their act together and properly tag ALL the fraudulent transactions on the card. This is ridiculous. Someone needs to call me to ensure all the charges are correctly tagged and this is handled. I also LOST my sign up bonus with the card being changed with a new card number and it says I have zero rewards when I had earned my {$200.00} bonus and it was pending.
Consumer complaint received 2021-10-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: First Investors Servicing Corporation, Atlanta, GA Branch (MO)

My loan start date was XXXX, in XXXX I applied for and was granted a deferment at which time first inventors told me they would waive the late fees on my account to help me get back on track as this is a very high interest loan at 15.18 % Maturity date was ( contract expired on XXXX ) I paid my last payment on XXXX, this business online portal shows I don't owe anything that my principle balance is XXXX, however they are report to the credit bureau that I am 47 days past due. I have continued to follow up with the business and keep getting different information and given the run around as to why this hasn't been corrected.
Consumer complaint received 2020-03-27
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (UT)

So I received a trial modification in XXXX first payment was due in XX/XX/XXXX i sent that payment in the middle of XXXX for XXXX the required amount is XXXX but as i wire the money in it is easier to round up on XX/XX/XXXX or there about I thought I would get ahead by paying an extra XXXX dollars so I could then pay the reminder end of XXXX for XXXX payments well this is where it went wrong no they won't let me use the money there I have to pay the full XXXX which shorted my truck payment as I had budgeted the payment to be XXXX dollars less I sent in the XXXX and they said that I could use the XXXX on the next payment when I went to pay I found out guess what they lied again no we will use that money to go to the back payment owed when we do the final payment of the trial due XX/XX/XXXX which I sent in via XXXX XXXX due to the covid19 and the local bank unable to do a wire via the drive up and a few other complications wire sent XX/XX/2020 this time for the exact amount. This is XXXX  it is my money how I use it is up to me
Consumer complaint received 2020-04-09
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. (CA)

My wife and I are trying to buy a house so today XX/XX/20 the agent that we are working with ran our credit to see what amount we qualified for however, when my report came back there were about ten accounts with negative history that are not mine. I looked through each account and I did not open any of them. There were also many credit inquiries that were not made by me. I have never allowed anyone to open any account in my name nor did I ever give those companies permission to run or access my credit. I do not know who is responsible for all of these accounts and inquiries that are in negative standing on my credit report but I have already filed a police report and a complaint with the consumer financial protection bureau as I did not gain anything from these accounts nor did I ever contribute to any payments made towards these accounts.
Consumer complaint received 2020-04-09
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. (CA)

My wife and I are trying to buy a house so today XX/XX/20 the agent that we are working with ran our credit to see what amount we qualified for however, when my report came back there were about ten accounts with negative history that are not mine. I looked through each account and I did not open any of them. There were also many credit inquiries that were not made by me. I have never allowed anyone to open any account in my name nor did I ever give those companies permission to run or access my credit. I do not know who is responsible for all of these accounts and inquiries that are in negative standing on my credit report but I have already filed a police report and a complaint with the consumer financial protection bureau as I did not gain anything from these accounts nor did I ever contribute to any payments made towards these accounts.
Consumer complaint received 2024-03-18
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. (FL)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-03-18
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. (MD)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI)

This complaint is regarding an old XXXX XXXX Account in the amount {$3700.00}. This account was first reported in my credit report by both Transunion and XXXX  agencies as far back as XXXX or earlier. In XXXX, the account was removed from my credit report by both agencies, having been over seven years. 
However, in XXXX, I discovered the account has reappeared in my credit report. Immediately, I disputed the reappearance of the account in my credit report and no action was taken by the two agencies. A few months later, I repeated the dispute and still no response or action taken. 
Please my question is whether the Transunion and XXXX  agencies can report an account of this type again after its first initial seven years of reporting.
Consumer complaint received 2018-06-07
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: EQUIFAX, INC. (MD)

Please remove the following fraudulent inquiries from my Equifax credit report : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-10-14
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. (FL)

I had applied for a car loan with XXXX XXXX XXXX and was approved in XX/XX/2021. The car was paid off in 3 months. XX/XX/2021. I received an letter that the car was paid off. But my credit report score has not been changed. In addition my credit score has been decreased because of how they have reflected the information to credit bureau. It has been past the time frame that they have said the issue will be fixed. Which was XX/XX/2021. No contact no update.