davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-08
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. (GA)

I disputed some things inaccurate on my credit report with Experian credit bureau. I disputed hard inquiries to my credit report on XX/XX/XXXX and the company didn't provide me with information regarding my dispute and the inquires still remain on my credit file. I provided to them the following inquiries were not authorized by me and asked they be deleted.The following inquiries are unauthorized : Creditor : XXXX Inquiry Date : XX/XX/XXXX & XX/XX/XXXX Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX  XXXX   XXXX/XXXX  Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX/XXXX  XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX & XX/XX/XXXX Also on XX/XX/XXXX I sent a certified letter requesting the removal of inaccurate Credit information on my credit file and asked that those items be updated or removed. I asked for XXXX which is reporting late payments to be updated or removed. I received an update online yesterday XX/XX/XXXX that it was updated from the processing of their dispute but nothing was changed ( and I provided my payment history to them along with my dispute ) I disputed XXXX XXXX XXXX  asking that it be eradicated from my credit file as they are alleging negative claims and still yet deficit proof of truth or correctness. The update received by them XX/XX/XXXX states it was updated, but there was no change. I disputed XXXX/XXXX  Card as they were reporting late payments. I provided a copy of my payment history to them, the update I received XX/XX/XXXX states it was updated, but there was no change. I disputed XXXX XXXX XXXX asking they eradicate this from my credit file as they are alleging negative claims and still yet deficit of proof of truth or correctness. The update received XX/XX/XXXX states it was updated but there was no change.
Consumer complaint received 2022-01-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (OH)

I was able to come up with some money to pay off my some debt due to losing a family member during the pandemic. I paid off my chase card in full before the due date. I was still charged interest. I called : My first call I was disconnected on as the worker picked up the phone acted as if they couldn't hear me then disconnected. Call two called in and got customer service, explained that I payed the card off in full before the due date and requested the fees to be waived. The agent refused. I asked for a supervisor he then transferred me to tech support. After explaining to tech support, he advised I was transferred to the wrong department and transferred me back to the credit card department. I then got to XXXX who was kind but again after explaining everything refused to waive the fees. I have paid thousands in interest. I have not had a fee waived close to 10 years. I've been with them for that long. The statement is deceptive in its wording and is a UDAP violation. The fees should be credited. It's insane I've had to go through all this to get {$170.00} in fees credited when I've paid {$300.00} in interest for the last several years. This is terrible service.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2020-04-08
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (FL)

I ordered some clothing online, two purchases in the amounts of {$140.00} & {$81.00} The merchandise was never delivered to my home. The packages is missing. I have e-mailed several times with no response to customer service and disputed the charge on their website. For two weeks no response. I have no merchandise and can't get a refund.
Consumer complaint received 2020-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I have disputed the late payments from XXXX, XXXX and XXXX but they remain on my credit report, even though these loans originated 11 years ago, in XXXX. As you can see from my loan history, printed directly from their site. The only actual late payments were in XXXX. I need this corrected, as the 4 loans in question reporting these same lates would be able to be removed from my credit report as they originated well over 7 years ago. I was in school and in forbearance or deferment until recently when I graduated.
Consumer complaint received 2019-12-31
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BBVA FINANCIAL CORPORATION (TX)

XXXX STILL REPORTING A FAKE ACCOUNT THAT WAS FTC THEY NEED TO FIX THIS ASAP AND BBVA ALSO SENT FTC AND POLICE REPORT DO THEY NEED A BLOOD TEST ALSO??????

XXXX  XXXX AND XXXX 
XXXX XXXX XXXX , XXXX XXXX
Consumer complaint received 2020-04-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: The Outsource Group, Inc (IL)

XXXX XXXX XXXX has placed a {$3000.00} from a XX/XX/2018 medical bill in collections with Medicredit. The hospital refuses to submit the medical bill to my health insurance company to pay the claim. For two years, Ive requested this bill be sent to my insurance company who is willing to pay the claim. Each time Im told the bill will be sent but never is. Ive explained this to the collection agency who continues to report this debt on my credit report even though the my insurance has never had the opportunity to pay the bill.
Consumer complaint received 2020-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (MA)

In XX/XX/2018, Fed Loan Servicing reported that my payment was 120-149 days late. This is incorrect because my student loan was in forbearance since XXXX meaning that I did not have to make the XXXX payment. Even if the XXXX payment was due, it would not be 120-149 days late. I have tried to get it off of my report since it looks like 4 missed payments on my account due to having 4 student loan accounts to no avail.
Consumer complaint received 2022-05-05
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (OH)

I received my paper statement in the mail today and noticed that XXXX 's ( Comenity Capital Bank ) charged me a {$35.00} late fee on my bill. The bill was due XX/XX/2022, the payment was made XX/XX/2022 a little after XXXX that evening, the payment was processed XX/XX/2022. I called in and spoke with a representative who refused to remove the late payment after I gave her notice that XXXX 's was violating my consumer rights on my open end consumer credit account. I then asked to speak with a supervisor. I spoke with XXXX # XXXX, whom I explained that a late fee is a violation of my consumer rights and I refuse to pay any illegally added charges and he pretty much laughed and told me they are not federally regulated by anyone because they are a bank and their terms and agreements trump federal law. I asked XXXX who are they regulated by and he proceeded to tell me no one, they were not violating my rights, and they will not honor my demand. He also stated that I shouldn't have called to remedy the situation, just don't pay my bill, contact legal, and contact the Attorney General if its an issue.
Consumer complaint received 2023-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I was billed while being on a fix income and XXXX on XXXX XXXX and XXXX XXXX for XXXX dollars from XXXX XXXX XXXX.It 's been on going since XXXX XXXXThe account # XXXXI would like it to be remove from my cridet report under section. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States ; no consumer reporting agency may make any consumer report containing any of the following items of infromation .Any other adverse item of informtion other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C. 1681- @ ( A ) ( 1 ) A person shall not furnish any informtion relating to cusumer to any comsumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-12-18
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: Experian Information Solutions Inc. (CA)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX Balance : {$160.00} ; XXXX XXXX XXXXXXXX Balance : {$1400.00} ; XXXX XXXX XXXX XXXX Balance : {$21000.00} ; XXXX XXXX XXXX Balance : {$4700.00}.
Consumer complaint received 2020-04-08
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. (TX)

XXXX XXXX XXXX is reporting a debt that I do not know. I do not owe XXXX XXXX XXXX XXXX anything. I have attached a receipt showing that this account is paid and I don't owe anything.
Consumer complaint received 2022-08-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC (OH)

Last year I applied for a Milestone credit card, also called Genesis F S card services. I kept the card a few months before activating it, which put me around XXXX for activation. I had to contact them of when the payment was due because I hadn't gotten paper work. They actually told me the wrong date, which I later discovered and put it on my credit report and it was their fault. That's not the big issue. 
My payment are due by the XXXX of each month. In XXXX of XXXX, I made my XXXX payment on XX/XX/XXXX. Then I made XXXX payment through their phone system on or about XX/XX/XXXX. The payment was cleared by XX/XX/XXXX. I started getting late notices about this transaction. I called Milestone and that representative told me to get my bank on the phone. I did and Milestone refused to accept what the bank was stating. The representative even accused me of not having enough money to go through. The bank representative told him that it had been cleared, the one on XX/XX/XXXX and the one about XX/XX/XXXX. 
I was in constant touch with them from 1-3 times monthly until about XXXX. I sent a notice stating that every late fee and over the limit fee they were charging me monthly to be erased because it was false charges. A couple times they told me if I paid {$80.00} that it would be fixed. Not so To shorten the story, I contacted them in XXXX of XXXX and they stated that someone else in my household ad a Milestone card. My question was what did that have to do with me because the last 4 of our socials and the last 4 of our card numbers would be different. I again said to the representative that I wanted all late fees and extra charges removed from my account. Her response was " But there's someone in your household with a card from us ''. Again I repeated what I said earlier about the socials and card numbers. She said, wait until you get the letter from us and it will explain more, but for now I owed XXXX XXXXXXXX XXXX and XXXX some dollars and it would remain that way. 
I believe I've over paid them by now. I also sent a request that they not renew my yearly contract with them. Close the account were my words. No one for a few months tried to seek out the problem just accuse me of not having enough money in the bank or not making the payment at all. I had to keep calling and they didn't start seeking anything until around XXXX when I told them if they didn't get this fixed, I was getting an attorney. After that they came up with someone else in the household, which still has nothing to do with your failing payment system and negligence. 
There were times after this I tried to make payments on their system, couldn't and I called and informed them of it. So glad this disastrous night mare is coming to an end and maybe now my credit can be corrected. 
Thank you for your help! 
Sincerely, XXXX XXXX
Consumer complaint received 2020-04-07
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: Experian Information Solutions Inc. (FL)

Experian, XXXX, and XXXX show this closed accounts as having new missed payments every month. 

XXXX XXXX XXXX XXXX, {$0.00}, Paid, closed, 32 late payments This account was closed and charged off years ago. 
It is not an open account, and should not be reported as having new missed payments every month. 

This is a violation of my consumer rights and an unfair credit reporting practice that prevents me from obtaining new credit accounts and purchasing a home, even though I have no missed or late payments and otherwise very good credit worthiness.
Consumer complaint received 2023-01-06
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)

when i seen the report on my XXXX  report around XX/XX/2022 i noticed the tremendous amount of inquiries i had ive tried to dispute the inquires with them and also remove the information that wasnt mine as far as personal and accounts. i ask for a supervisor and they hang up in my face its ridiculous. and i cant even get the report for the other bureaus so i could only use XXXX XXXX and i couldnt just call them and ask them whats on there so i can dispute it they keep tell telling me to do my research and come back ignoring the fact that i cant get a updated report
Consumer complaint received 2023-03-08
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: Experian Information Solutions Inc. (SC)

My authorized user account with XXXX XXXX is not reporting on my experian account and it is supposed to be. XXXX advises that they report to all three major bureaus and Experian is the only one not reporting it.
Consumer complaint received 2022-02-20
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MO)

On XX/XX/XXXX, I disputed an account on my credit report ( XXXX XXXX XXXX ) to XXXX, XXXX and Equifax. I did not get a response. I disputed this account on XX/XX/XXXX and still did not get a response. I submitted another dispute letter on XX/XX/XXXX stating the reasons why this account should not be reported on my credit report and to remove it immediately. I still haven't received a response. I also asked for this account to be reinvestigated within 30 days. I still haven't received a response. As of today XX/XX/XXXX, this same account has reappeared on my credit report when it was previous deleted. I have had this happened to me numerous of times with other accounts I have been disputing over the months as well far as renaming the account but still using the same account number for the account that was already removed as well. Please delete this account, ( XXXX XXXX XXXX ) from my credit report immediately and permanently. This account has not been resolved in over 90 days from my very first dispute.
Consumer complaint received 2022-05-19
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. (MD)

XXXX XXXX has a loan listed on my credit reports with XXXX and Transunion ( and possibly XXXX ), but I never took out this loan. I spoke with a call center rep on XX/XX/22, and she confirmed I do not have an account. This loan should be removed from my credit reports.
Consumer complaint received 2020-04-07
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: DISCOVER BANK (GA)

XX/XX/2020 - My Mother-in-Law was hospitalized in XXXX with a rather life threatening condition. The private hospital where we sent her asked for a credit card before they would release her. My wife gave out her Discover card number only as a pre-authorization. The hospital initially said that they would not even take the card as it was not a card recognized in XXXX. 

Upon releasing my wife from the hospital we arranged payment for the bill by alternate means. We had money wired directly from another bank. I immediately called Discover customer service to have the hold on our account released. The amount was showing up as a pending charge for around {$7600.00}. 

The first agent was very unhelpful and routed it as fraud, not explaining the situation correctly. This revealed a lack of training. I had the card cancelled not knowing that since a hold had already been placed for {$7600.00}, it would not matter. This will put us through an inconvenience as we had several accounts set to auto-pay with that card. Then after several more escalations to different agents and management, I was told that they could do nothing for me and I would just have to wait to see if the hospital did not reverse the charge. And they would not let me start a billing dispute either. 

Finally the last person I spoke with ( a manager named XXXX ) refused to even give me a email where I could reach them with further documentation that the bill had already been paid. This person used dishonest tactics to just try and get rid of me. I explained multiple times to multiple people that we had arranged payment for the hospital bill by alternate means but as of today XX/XX/2020 the pending charge for around {$7600.00} is still on my card. 

Discover financial also seems to have very poor customer service technology as several calls had to be dropped due to poor quality, leading to me having to call back multiple times.
Consumer complaint received 2020-04-07
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. (FL)

XXXX, Transunion, and XXXX show this closed accounts as having new missed payments every month. 

XXXX XXXX XXXX XXXX, {$5400.00}, Paid, closed - XXXX charge-offs This account was closed and charged off years ago. 

It is not an open account, and should not be reported as having new missed payments every month. 

This is a violation of my consumer rights and an unfair credit reporting practice that prevents me from obtaining new credit accounts and purchasing a home, even though I have no missed or late payments and otherwise very good credit worthiness.
Consumer complaint received 2023-12-18
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: Experian Information Solutions Inc. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HUNTINGTON NATIONAL BANK, THE (IL)

The Huntington National Bank, XXXX XXXX  XXXX XXXX, OH XXXX sent me a promotion. That I can open a Business checking account and if I meet some criteria I can get {$750.00} bonus. So, I called the Local Huntington Branch at XXXX, IL and wanted to open the account. They said due to COVID 19 I have to set up a time and come in. I said OK. Then she asked if I have all the required docs, I said yes. She confirmed I could use my SNN and Dl to open the account as sole proprietor. As we were deciding on a good time, I told her I have a coupon whereby I can get {$750.00}. She said I am only going to allow you to open the account if you do not use the coupon. I said why? She did not, could not give a valid reason. She refused to open my account.So I called Huntington National Bank helpline and raised the issue. The agent told me that the branch manager who had refused did not have a right to and she said someone would call me back to resolve the issue. This was about 2 weeks ago. Today was the last day to use the coupon, no one called me. XXXX who had noted my complaint was called " XXXX ''. The branch manager that refused to open my account was XXXX XXXX. 
Can they do this? Is this legal for a bank or its rep to do?