davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

On XX/XX/2023 my XXXX account was transferred to XXXX to become my student loan servicer. My account is paid in full and closed. However, on my credit report, both the XXXX and XXXX accounts are showing open and with balances. I have contacted XXXX to have this updated. Their response was that they have reported the correct information to the credit bureaus and not to use third parties such as XXXX XXXX to get accurate reporting information. However, I have checked on all XXXX credit bureau websites and this information is listed. I have disputed this directly with all XXXX credit bureaus and their response with each dispute ( XXXX separate disputes in total with each of the XXXX bureaus ) is that the data furnisher has verified that all information is accurate. This is false. My accounts are closed and paid in full and transferred to XXXX. When I reached out to XXXX, their response was that all information reported is correct. This is causing to show on my credit report that I have twice as much student loan debt than I actually have.
Consumer complaint received 2023-03-09
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. (NY)

In accordance with the fair credit reporting act. The list of accounts below has violated My federally protected customers, right to privacy and confidentially under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A. States that I have the right to privacy. 

15 USC 1681. Section 604 A. Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1681c ( a ) ( 5 ) sections states no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information other than convictions of crimes which anti-dates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-01
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Two factor authorization fails when trying to convert rewards to partner programs. This effectively prevents me from using my miles on my Capital One Venture XXXX card and Capital One is failing to fulfill the conditions of its own program. They told me there is nothing they can do and I should wait and see if it resolves on its own. Strangely, two factor authorization works upon initial sign in but it does not work when trying to convert rewards. XXXX different technical support agents told me there was nothing that could be done aside from submitting feedback.
Consumer complaint received 2023-02-27
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. (FL)

XXXX professed on XX/XX/XXXX is an unconfirmed inquiry, not as of yet proven to be with the necessary adequate and preconditioned achieved lawful Permissible Purpose, and or is not factually true obedient as it is currently reported. Please DISLODGE from reporting right away! 

XXXX XXXX XXXX alleged on XX/XX/XXXX is an unconfirmed inquiry, not as of yet proven to be with the necessary adequate and needed achieved lawful Permissible Purpose, and or is not factually true docile as it is currently reported. Please ELIMINATE from reporting immediately! 

XXXX XXXX XXXX stated on XX/XX/XXXX is an unconfirmed inquiry, not as of yet proven to be with the necessary adequate and responsibility achieved lawful Permissible Purpose, and or is not testimonial adherent as it is currently reported. Please REMOVE from reporting immediately! 

XXXX questionable on XX/XX/XXXX is an unconfirmed inquiry, not as of yet proven to be with the necessary adequate and burden to achieved lawful Permissible Purpose, and or is not factually true docile as it is currently reported. Please ELIMINATE from reporting at once! 

XXXX XXXX XXXX leery on XX/XX/XXXX is an unconfirmed inquiry, not as of yet proven to be with the necessary adequate and onus to achieved lawful Permissible Purpose, and or is not factually true compliant as it is currently reported. Please REMOVE from reporting immediately!
Consumer complaint received 2023-05-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: DISCOVER BANK (MO)

Discover Card XXXX, failed to uphold their due diligence in providing me the consumer ample and timely notification of required payments that are to be made to satisfy payment on the account and prevent it from reaching a late payment status, in XXXX of 2021 this account was placed with XXXX XXXX XXXX XXXX ( not a collection agency ) for repayment through payments through the service, thereafter upon checking my credit report, Discover Card reported this account as closed, regardless of the nature, I still agreed to be making payments to the service acknowledging the possibility it was still open. It was until examining my credit report a late payment remark of 30 days was made, I contacted Discover Card to please rectify the status in good faith as a mistake on both parties, me the consumer, and Discover Credit Card failing to make multiple attempts to either email me, call me, or send me a letter in the mail, the customer service team rather becomes defensive and argues then acknowledging any mistake, and that they send me paperless statement which I never receive emails from Discover Card or any late warnings. I am very disappointed and aggravated with the poor customer service I received from Discover Card 's inability to file an internal dispute toward my referenced above complaint to remedy the issue... and if you look back at the chat history it really frustrates me more then when I was late after the first billing cycle Discover Card didn't initiate any sort of contact to rectify the late status with my account...
Consumer complaint received 2017-03-28
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (SC)

I graduated from XXXX University XXXX XXXX. Like many others, my family was not able to pay for my college education, and we were left with no other choice but to borrow the funds needed to send me to college. My step father, is the hardest working man that I 've ever met. He is a XXXX, and is soon to retire due to physical limitations ( with little to no XXXX due to the recession ) .When my dad and I took out this loan, the original balance in XXXX was {$27000.00}. Approximately in XXXX, when the loan was serviced by XXXX, both of my parents were hit by the down economy ; my mom lost her job and my dad 's hours were cut to part time. This was a devastating time for my mom and dad who were struggling keep the lights on and food on the table, let alone pay a {$400.00} a month student loan bill. Meanwhile, I was just out of college working at a XXXX making {$8.00} an hour. Needless to say, without any other choice, my family defaulted on this loan. It destroyed my dad 's and my credit scores which has taken me over ten years to rebuild. I had a few other student loans that I was able to consolidate with the US. Department of Education ( XXXX ) with a reasonable interest rate and an affordable payment. However, since this loan was a private student loan, it was not able to be consolidated with my other loans so I was left with this 9.5 % interest rate and high balance that is not moving despite our recent excellent pay history. I wanted to begin my adult life and begin to rebuild my credit so we entered into a repay plan to get our loan out of default and back current. We completed the repay plan and got the loan current, which was not an easy task. Here is where we are now feeling the affect. After we completed the repay plan and got the loan brought current, XXXX then capitalized the 2+ years of delinquent interest, fees, late charges, etc. back into the loan amount. The balance after the recapitalization was well over {$40000.00}! We have been current on this loan for the last several years paying {$410.00} a month. I feel that this loan is nothing less than predatory. It is now twelve years after the loan was originally issued and I do not see how I will be able to pay this loan off. Every extra dollar that I have goes towards this loan which takes things away from my daughter and my wife which is not fair, and I do not think that should be the penalty of wanting to obtain higher education. 
My parents are now over XXXX and my mother 's health is deteriorating. She will be forced to retire from work soon ( with no XXXX due to cashing it out during the recession ). My dad can not afford to assist me on this loan, and he as well will not be able to work much longer due to physical restrictions. I will ultimately default without your assistance in restructuring my balance.
Consumer complaint received 2023-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NV)

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX Balance : XXXX XXXXXXXX CARD 42668417****Balance : XXXX
Consumer complaint received 2023-02-27
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. (TX)

I have attempted numerous times for XXXX to DO a complete investigation OF EVERY ITEM OF INFORMATION THEY REPORT ON under what is defined as investigation under the laws passed by congress. They have repeatedly continued NOT TO DO AN INVESTIGATION AS IT IS DEFINED by the law. 
THEY HAVE CONDUCTED NO INTERVIEWS WITH FAMILY AND FRIENDS AND HAVE NOT DONE a proper investigation as defined by law. 
They have also repeatedly violated my rights 15 USC 1681 ( a ) ( 4 ) 15 USC 1681a. ( e ) 15 USC 1681b. ( a ) ( 2 ) 15 USC 1681i. ( 5 ) ( A ) ( i ) XXXX Report Number XXXX Date Generated XX/XX/2023 2023
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX NC XXXX XXXX XXXX, NC XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-03-09
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am writing you this statement to delete the following information on my credit report. The items I need deleted are listed in the report. I am a victim of identity thief, I demand that you remove these errors to correct my report immediately! I have reported this to the federal trade commission and have attached the federal trade commission affidavit. Now that I have given you the following information, please correct my credit report or I shall proceed with involving my attorney!
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (WA)

XXXX, XXXX and Experian have reinserted XXXX of the items, Bank XXXX XXXX and XXXX XXXX, that were reported on my identity theft report stating that they were certified as valid by the furnisher. XXXX of the XXXX fraudulent accounts was removed and has not been reinserted. The attached packets contain all information related to this case and have been sent to XXXX, XXXX and Experian. The XXXX CRA 's are all reporting different information, are violating my privacy by reporting these items and have yet to produce any proof that these accounts are mine. I have been denied credit on XXXX occasions this last month because of their errant reporting of these items.
Consumer complaint received 2023-07-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I was notified by email that an application was pending for an account in my name at Bank of America. The next day I also received another email stating my account was approved and open. I contacted customer service at Bank of America and reported this account as fraudulent, I was reassured it would be addressed/closed and it has not happened. I personally placed a " fraud alert '' on my credit report. I had never applied or opened the account, or given them any information, such as my email address, social security number, etc to be able to open an account in my name. I have received the debit card and welcome letter pertaining to said account. I have not received any recent communication from Bank of America regarding the status of my complaint or explanation of this " new account '' Thank you. I can provide copies of the " welcome letter '' and of the actual debit card that I received in the mail if requested.
Consumer complaint received 2017-06-09
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. (CA)

I have  XXXX  collection accounts on my Transunion reports that keep getting closed and deleted then either a week or month later reopened.  XXXX  of the collections is  XXXX   XXXX   XXXX   XXXX  and the other is   XXXX    XXXX . I have screenshot proof as to when these items closed and when they reported back as opened. According to  US code 1681i- FCRA 611 ( a ) ( 5 ) ( b ) ( ii ) Notice to consumer : If any information has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing no later then 5 business days after the reinsertion or, if authorized by the  consumer for that purpose, by any other means available to the agency! Not once was I notified in writing that these account were going to be reinserted.
Consumer complaint received 2020-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (MO)

Santander XXXX : This was was voluntarily given back and the engine blew when the car only had XXXX miles and insurance wouldn't pay for it. This meant the funds were not available for the engine and the car which should of been covered under insurance and it left unable to pay for the car at this time It was voluntarily given back.
Consumer complaint received 2017-04-01
Product: Credit card — 
Issue: Arbitration — 
Company: DISCOVER BANK (CA)

I called to negotiate a credit payment. I was asked how much I was able to make and put in my payment. They said they were going to put me on a program so I could work on paying off my credit card. They said they were lowering the interest and they were going to accept my lower payment. I received a phone call this morning saying I had n't paid the full amount and still owed money. This was news to me since I was under the understanding that the amount I had put in was fine. Now my minimum payments seem to be higher than before I called. I 'm really frustrated because I feel like I was lied to when I called to negotiate so they could get more money out of me.
Consumer complaint received 2020-05-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

These are not my accounts. I have sent certified mail requesting Assignment of Debt, Method of Verification and Validation of Debt. I was not looking for a response from e-Oscar system. It's been over 30days with no response. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (NY)

In XXXX I received an email regarding a replacement card that was sent to me. I immediately called the bank as i did not request a replacement card. The representative that I spoke to on that day indicated that a new card was being sent because there was a new feature that was added to the card. She indicated she could activate the card for me to which I responded no, because I had not yet received that card. Towards the end of XXXX I logged on to my account to pay my bill and noticed that they were several charges on my account that I did not do totaling over five thousand dollars. I immediately called and informed the bank about the charges and requested that the card be closed and a replacement and to be sent VIA XXXXXXXX, with signature required at delivery. Please note that I still had my original card in my possession and had not received the replacement card that was sent earlier in the month. The card I requested to be sent to me via XXXX was received. An investigation was allegedly done by the institution and they are accusing me of making those charges. I will state for the record that I never received the card neither did I activate the card or make those purchases. I have requested proof that I made the charges and no proof was provide. I was told that nothing else can be done.
Consumer complaint received 2024-05-20
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. (IL)

I have consistently maintained timely payments, so I'm perplexed by an error in my credit report. I seek accurate, updated records that reflect my on-time payments for those accounts.
Consumer complaint received 2022-12-12
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2024-01-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NY)

I hope this letter finds you well. I am writing to bring to your attention the presence of fraudulent accounts on my credit report, and I urgently request their immediate removal. I was the victim & I'm not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. 
Upon reviewing my credit report, I discovered unauthorized accounts that have been falsely opened in my name. I have attached copies of the relevant sections of my credit report highlighting the fraudulent entries for your reference. 
XXXX XXXX I want to emphasize that I have not initiated or authorized these accounts, and they are a result of identity theft or fraudulent activity. I am taking immediate steps to report this matter to the relevant authorities, but I also request your prompt assistance in rectifying this situation on my credit report. I kindly ask that you investigate these matters urgently and remove the fraudulent accounts from my credit report. Additionally, please provide me with written confirmation once the investigation is complete and the erroneous entries have been deleted.