davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (NJ)

I applied for a CITI card late XXXX. I have interest free until XX/XX/XXXX on my balance transfer. I did however, had a few purchases on the card that is subject to interests. 

I called the company several times to pay off the balanced owed for the purchases only. I finally spoke with a representative that gave me a figure of {$150.00} for the purchases that were subject to interests. I paid {$190.00} ( including {$41.00} min due ) on XX/XX/XXXX payment on the account. 

XX/XX/XXXX statement came and purchase balance did not clear. I called again, spoke with another representative XX/XX/XXXX and he stated they will take care of it to allow 2-3 business days. XX/XX/XXXX statement came in and I am still being charged 23.99 % interest on standard purchase. 

I'm not asking for something out of the ordinary. I made a charge, I want to pay for the charge, I called my creditor to get the exact amount to pay and made payments towards the charge that day over the phone with the representative. When it was not taken care of, I called again. All I expect is to have my payments properly applied and to be charged interest accordingly. 

I don't know what is going on or what scam CITI bank is running but if they are doing this to me, I'm sure there are many other customers who are affected like me. 

I just need this resolved correctly and immediately because obviously, reaching out to CITI does not solve my issue.
Consumer complaint received 2020-08-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (FL)

I sent a letter to the company on XX/XX/XXXX and I did not receive a response from the company until XX/XX/XXXX via CFPB. Per FCRA, the company had 30 days from my written request date to verify information. The company also did not send a copy of a written contract bearing my signature, therefore they have also failed to verify this information. The statement they sent me shows an unknown address that is not associated with me which shows that it can be another person with the same name. The company has violated two important FCRA laws, if the company does not comply with CFPB I will also file a complaint to FTC and XXXX.
Consumer complaint received 2020-08-09
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AES/PHEAA (NM)

Every time I was having difficulties making payments to this creditor I always communicated my issue and submitted the paperwork required for forbearance or deferment of payments for a period set by the creditor based off my circumstances. While this was often reflected on my credit report, there were few situations where the forbearance was not reported to the credit bureaus and instead was left on my credit report as 30, 60, 90,120 day lates or missed payments. 

I began submitting disputes with all three credit reporting agencies on numerous occasions beginning XX/XX/XXXX ( The day I first learned of this issue because was denied a job ) then I resubmitted my disputes to the credit bureaus every 4 months all the way through XXXX of XXXX. 

I employed a credit repair company in XXXX, at great expense, that also conducted credit disputes with all three credit reporting agencies regarding this account on my behalf through the year of XXXX ( Submitted on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. ) I wrote goodwill letters to the company Account Manager ( POC ), Regional manager and CEO requesting the changes be made to my payment history in good faith as I was paying what I could, whenever I could. As a XXXX  XXXX  Veteran of the XXXX XXXX, with the XXXX ( XXXX  and XXXX  ) I sustained during XXXX XXXX XXXX ( XXXX  ), I had difficulties in finding gainful employment the first few years after my return to civilian life which made fulfilling my student loan obligations impossible under the circumstances The company then changed internal policy to allow for issuance of retroactive forbearance on accounts, so I applied for the application of this policy to my missed payments and was told that my lates were ineligible. 

I PAID IN FULL and closed the account last year with the condition, and under verbal agreement that, once the account was paid off, the past disputes I submitted would be addressed and the late payments recorded on my account would be removed from my credit report. 

Now that the the account is closed and PAID IN FULL, I no longer have access to the digital correspondence between the company representatives and myself or the confirmation letters of forbearance/deferrment that I provided in order to confirm that the requested adjustments to my payment history are valid and to be removed from my credit report
Consumer complaint received 2020-08-09
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. (NY)

On XX/XX/2019 there was a few hard pulls made without my authorization. I believe this to be the car dealership. I never authorized the following inquiry pulls XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX 2x all on the date I mentioned earlier XX/XX/2019. There is also another inaccurate date and pull of XXXX  on XX/XX/2019. I have called XXXX, XXXX, experian in the past and they never updated this as they said they would. I never signed anything or gave anyone authorization to run my credit without my knowledge on all the above items.
Consumer complaint received 2020-08-09
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. (FL)

After applying for a credit card and being denied I decided to review my credit and was devastated to learn that my identity has been compromised and used for things that I have no knowledge of. I am angry to have learned this and would like this resolved as soon as possible.
Consumer complaint received 2020-08-09
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. (NY)

On XX/XX/2019 there was a few hard pulls made without my authorization. I believe this to be the car dealership. I never authorized the following inquiry pulls XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX 2x all on the date I mentioned earlier XX/XX/2019. There is also another inaccurate date and pull of XXXX  on XX/XX/2019. I have called transunion, XXXX, XXXX   in the past and they never updated this as they said they would. I never signed anything or gave anyone authorization to run my credit without my knowledge on all the above items.
Consumer complaint received 2020-08-09
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. (NY)

I am looking at my credit report on XX/XX/2020 there are 2 items I never authorized anyone to pull a hard inquiry and is inaccurate. Possibly fraud. I got a hard inquiry XX/XX/2020 from XXXX and XXXX XXXX on XX/XX/2020. Both I never authorized and believe to be fraud it is currently reporting inaccurately on my transunion. I would just like them to know I do not have any recolonization of this and ask that this be removed from all credit reporting agencies as I did not give anyone the right to run my credit without my knowledge.
Consumer complaint received 2020-08-09
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. (NY)

I am looking at my credit report on XX/XX/2020 there are 2 items I never authorized anyone to pull a hard inquiry and is inaccurate. Possibly fraud. I got a hard inquiry XX/XX/2020 from XXXX and XXXX XXXX on XX/XX/2020. Both I never authorized and believe to be fraud it is currently reporting inaccurately on my XXXX. I would just like them to know I do not have any recolonization of this and ask that this be removed from all credit reporting agencies as I did not give anyone the right to run my credit without my knowledge.
Consumer complaint received 2023-06-27
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. (NY)

XXXX is reporting closed and charged-off accounts as having current balance. 

still reporting closed and charged off accounts as current late payments accumulating monthly. 


XXXX and other credit bureaus continue to show a debt for accounts that have been closed and charged-off. They are also showing a debt balance that includes accounts that have been totally deleted. 
I have never applied for credit at XXXX XXXX. They have run my credit fraudulently. Please show contract with XXXX XXXX and XXXX XXXX. 

XXXX XXXX and XXXX are selling closed accounts, selling my personal information to XXXX and XXXX funding. XXXX XXXX and XXXX have not provided my with the 1099c when as requested. They have not provided me with a contract validating the debt. And after reporting this to all parties, they continue to violate my rights, working like a money cartel.
Consumer complaint received 2020-06-17
Product: Credit card or prepaid card — General-purpose credit card or charge 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)

THE PRODUCT PURCHASED WAS DAMAGED AND RETURNED TO MERCHANT. MERCHANT WAS UNABLE TO PROVIDE GOODS OR SERVICE PURCHASED. AFTER SEVERAL ATTEMPTS TO DISPUTE THE CHARGE THE CREDIT CARD COMPANY ( BEST BUY CREDIT " CITI BANK '' ) REFUSES TO REMOVE THE CHARGE FROM MY STATEMENT. PLEASE READ FTC REPORT NUMBER XXXX FILED FOR THE MERCHANT.
Consumer complaint received 2020-01-08
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND A NEGATIVE ACCOUNT THAT WAS REPORTED ON MY CREDIT THAT DOES NOT BELONG TO ME AND I HAVE NO KNOWLEDGE OF IT. IN NO WAY IS THAT ACCOUNT CONNECTED TO ANY TRANSACTIONS THAT I HAVE MADE. 
I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THIS NEGATIVE ACCOUNT AND HAVE IT REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2020-08-09
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. (IL)

I have disputed with all three credit bureaus to have the dismissed Chapter XXXX deleted due to being misguided by the lawyer group XXXX XXXX XXXX on the proper filing for Chapter XXXX. Ive submitted disputes every quarter starting in 2018 via the bureaus direct websites.
Consumer complaint received 2020-08-09
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: United Revenue Corporation (TX)

I e contacted United Revenue Corp through XXXX and disputed duplicate accounts for {$1000.00} on my credit report 3 times and is the same account and one for {$330.00} on the report twice with this same company. Ive requested the original docs with my signature showing the debt was owed and have received nothing and XXXX   has closed the dispute. My credit is being penalized because of 4 extra accounts showing that are actually duplicates.
Consumer complaint received 2020-08-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have disputed with all three credit bureaus to have the dismissed Chapter XXXX deleted due to being misguided by the lawyer group XXXX XXXX XXXX on the proper filing for Chapter XXXX. Ive submitted disputes every quarter starting in 2018 via the bureaus direct websites.
Consumer complaint received 2020-08-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc. (GA)

With reference to XXXX the complaint was closed however this is far from over. It still is not rectified. Here is why : Firstly it should be noted that I received two final account statements with the SAME date posted on them but two very different sets of amounts and totals. If the final account statement was adjusted, why is the date the same and why did Professional Debt Mediation use the higher statement amount for posting to my credit? In addition, after receiving two final account statements with the same dates, why did Professional Debt Mediation refuse to remove this erroneous collection from my credit due to an obvious conflict of amount owed. This alone reeks of unethical, unprofessional and unlawful business practice but there is more. 

Secondly, Professional Debt Mediation who is not the Magistrate Court of GA and has no authority to deem what is due to XXXX XXXX stated and I quote She is obviously responsible for the Dispo fee since her information was referred to an attorney for eviction. This is significant because under Georgia law there are requirements for evicting a tenant, which in this case were not met. In fact even though I requested the eviction notice, papers and copies of the filing on several occasions before I moved out, they were never delivered to me by XXXX XXXX XXXX or the Court. Therefore it would be in your best  interest to remove this erroneous collection from my credit bureau reports. 

Finally and equally significant, according to the statements you forwarded to me, you received final account statements for an address at XXXX XXXX XXXX XXXX GA XXXX. I had a rental agreement for and lived at XXXX XXXX XXXX XXXX GA XXXX. This debt therefore does not believe to me. It would be in your best interest to remove this erroneous collection from my credit bureau reports. 

I should also note that I left XXXX XXXX XXXX, before XX/XX/XXXX, and not because I bought a home but because I was in two car  accidents one in XXXX and again in XXXX and was no longer working due to medical issues. XXXX XXXX the then Manager of XXXX XXXX XXXX was informed of both accidents, but obviously unconcerned, which is evident in those wholly inaccurate final account statements she prepared and actually used to try to bring me financial harm. Due to all of this additional information, it would be in your best interest to remove this erroneous collection from my credit bureau reports.
Consumer complaint received 2020-08-09
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. (MO)

I first contacted TransUnion on XX/XX/XXXX after I my background check failed for a prospective employer. At that time the report failed because it stated that my social security number didn't match my name. During my conversation with TransUnion I was advised that my social security number had been crossed with another account and the issue would be fixed. I then ordered a copy of my credit report where I noticed several account, addresses, phone numbers as well as another name that didn't belong to me on my records. I then contracted with a credit restoration company to begin disputing the information. I sent several dispute letters to try and get the information corrected and each time TransUnion came back and told me that the information had been verified as correct. On XXXX XXXX I sent a letter to TransUnion asking them to provide proof as to how the information was verified, I received a letter back from TransUnion advising me that they are not require to dispute items previously verified as accurate. I then sent a Personal Identifier Letter to TransUnion on XX/XX/XXXX which contain my legal name, date of birth and my address along with a copy of my ID, ss card, and proof of address. Then today XX/XX/XXXX I received several monitoring notifications that showed TransUnion added 2 additional address to my account. One is a previous address that I stayed at which isn't a problem but I am showing several address in both Missouri and Texas that I have never stayed. This is seriously having an affect on my credit and my life. The person who's name they have listed as my alias XXXX XXXX stole my identity over 30 years ago and I have been trying to get this issue fixed not to mention that I have had my identity stolen several times. My information was found on a computer confiscated by an individual back in XXXX, I filed a report then, my information has been leaked in both XXXX and XXXX   breaches. At this point I just want TransUnion to correct the misinformation before I miss any more opportunities.
Consumer complaint received 2020-06-17
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 filed a dispute with Experian about XXXX XXXX XXXX and their turning my account over to collections while I was in forbearance. I requested forbearance and was given forbearance. I requested forbearance be stopped and wanted to pay whatever I owed. I contacted XXXX XXXX XXXX and requested them to take the payment from my checking account as was done normally ( for XX/XX/XXXX ) and I received notification from Experian that my account had gone to collections on XXXX XX/XX/XXXX. I called XXXX XXXX XXXX to find out why this was done and no reason was given. I have a VA loan and I should have been given the option to pay the forebearance amount as I asked them to take the amount out of my checking. The CARES act gives me rights to ask for forbearance and reschedule the payments and this was not done. I asked to stop forbearance and asked to make the payment and nothing was done and no attempt to contact me was made before turning to a collections agency. Both XXXX XXXX and Experian are wrong. I have some rights.
Consumer complaint received 2017-10-13
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: GREAT LAKES (TX)

I consolidated all of my student loans with the XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX services my new loan. They are still reporting a previous default loan that is over 7 years old. The credit bureau can not remove it, and XXXX sent me a letter accusing me of fraud when I disputed the age of the negative mark on my report. The information is a duplicate as of now, because I have a new loan not in default because of consolidation and the information they are reporting on my previous default is from 11 years ago and per the statute of limitations on student loan reporting once the loan is sold the delinquent information can only remain on my report for 7-10 years.
Consumer complaint received 2020-08-08
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. (CA)

I have been disputing this with experian for over 6 months now. They are inaccurately reporting accounts on my credit report. They refuse to remove it. they are reporting charged off accts with a balance showing and that is not correct according to the fair credit act. a charge off cant show a balance and they must remove it. 
They cant sell a debt to a collection company and then show it as a balance when it was charged off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-17
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AR Resources, Inc. (NY)

ARS Services has posted a wrongful collection account that does not belong to me. This has been reported to credit bureaus and I have attempted all mediums to explain that the account was for someone that I do not know. Finally, I spoke to someone in their company and she assured me that it would be deleted as it was obviously not mine and still showing on credit file. This is making it impossible to get the lending needed for my business and affecting my live in a negative manner. I ask that they please do the right thing and delete this false collection from my report.
Consumer complaint received 2020-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I have been banking with XXXX for the past 10 years. We have business accounts, 6 personal accounts and 4 credit cards. Not once have we been late in any of our payments as we have always had automatic payment set up in all of of our credit cards. I have no understanding as to why we have a late 30 days late payment in our account from 2017. Again, we have automatic payments on all of credit cards and are extremely careful to pay each bill on time. 

We need this to be fixed immediately as we are undergoing lending for our business and can't have an error on my credit file. 

Account Number- ... XXXX
Consumer complaint received 2024-02-26
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-06-17
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. (NY)

I have been banking with XXXX for the past 10 years. We have business accounts, 6 personal accounts and 4 credit cards. Not once have we been late in any of our payments as we have always had automatic payment set up in all of of our credit cards. I have no understanding as to why we have a late 30 days late payment in our account from 2017. Again, we have automatic payments on all of credit cards and are extremely careful to pay each bill on time. 

We need this to be fixed immediately as we are undergoing lending for our business and can't have an error on my credit file. 

Account Number- ... XXXX