davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-18
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: DISCOVER BANK (WA)

Discover has inadequately handled my dispute and is making unreasonable requests. 

1. Dispute # XXXX, {$140.00} On XX/XX/XXXX, I opened a dispute concerning an item I returned but did not receive a refund for. I provided the merchant 's return instructions and proof of delivery, including the XXXX return tracking number. Despite this, Discover closed my case when the merchant submitted evidence of refunds for other items in the same order, without contacting me for additional documentation. When I spoke with a Discover Customer Service supervisor on XX/XX/XXXX, I was informed that a return proof with the full address and a refund agreement from the merchant were required. My concerns are as follows : If the full address on the return proof is essential, why didn't the Discover Dispute Team contact me before closing my case? Additionally, given that I already submitted the merchant 's return instructions with tracking information, why is an additional return and refund agreement necessary? If I could obtain such an agreement, I would not have needed to open a dispute with Discover Bank. The supervisor simply stated that neither she nor Discover could help their client and suggested I seek alternative solutions. Rather than assisting me or questioning the merchant about the lack of refund after the timely return of the item, the supervisor exacerbated the situation. 

2. Dispute # XXXX, {$49.00} I initiated this dispute due to an unrecognized charge, as the merchant charged me again for an item that I had returned and received a refund for. I provided proof of the in-person return drop-off confirmation. However, it seems that the Discover Dispute Case Manager did not thoroughly examine the documents I submitted and closed the case prematurely upon receiving irrelevant information from the merchant.
Consumer complaint received 2021-12-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF THE WEST (CA)

I made 3 purchases using my debit card of Bank of the west on XX/XX/XXXX, {$68000.00}, {$47000.00} and {$75000.00}. The merchant never sent the items so I opened a chargeback request with my bank, they never sent me a letter or claim number for those transactions. I requested information many times trought online banking and the answer always was " I will get an answer in 10 days '' something that never happened. I tried to contact the person in charge of my claim and never is available to take the call.
Consumer complaint received 2022-05-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the XXXX data breach and may have got into the hands of the wrong person ....
Consumer complaint received 2015-12-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX refuses to remove derogatory information. The last " payment '' date they report is XXXX but they are telling Experian the last " delinquency date '' is XXXX. It is my understanding that the " date of last payment '' starts the " seven year '' clock. I was caught up in the Deceptive Trade Practices Lawsuit the State of Texas won against them for their Warranty practices. They " sold '' the debt to XXXX who I 'm quite sure your familiar with. XXXX deleted their information but XXXX remains. I have contacted XXXX and they claim they " ca n't talk to me '' because of XXXX 's involvement and then hung up. I take full responsibility for not paying them and returning their property but right is right and they should be held accountable for their actions. The people at Experian agree that the delete date should be this month but their hands are tied by XXXX deceitful reporting. Unless I 'm wrong XXXX should be held to the XXXX date as the " first delinquency ''. Of note is the fact that XXXX own reporting shows no XXXX/XXXX/90 delinquency reports, it goes from " paying '' to " Charge Off ''. I firmly believe based on my dealings with XXXX they do not have a clue as to what the correct information on this account is. In prior conversations when asked about specific dates they replied " all of those files were sold to XXXX ''. All I want is to be treated fairly but XXXX will have to be dragged to get them to do right. Thanking you in advance for your time and help.
Consumer complaint received 2021-12-16
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. (FL)

Transunion should be investigated pertaining to their handling if my credit report. Despite paying down debt, increasing available credit Transunion engages in practices that keep my credit score poor. They lower my score once notice of a debt is paid then shortly after increase it to were it was. Never really increasing to reflect the responsible actions in my part. In over 1 year of paying my debts I am still at the same score with Transunion versus XXXX. 

After increasing my available credit and paying on time XXXX brought my score up on excess of XXXX points, Transunion an increase of XXXX.
Consumer complaint received 2022-05-26
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: Bread Financial Holdings, Inc. (IN)

Opened the account XX/XX/XXXX. On XX/XX/XXXX I paid XXXX to Comedity Bank/Victorias Secret . The payment was processed on XXXX XXXX. On XX/XX/XXXX I received a secure message stating my credit limit was being reduced to {$100.00} from {$200.00}. I called and asked why and she said because i was late on payments last year. I told her i havent been late and kept a low balance since XXXX.she agreed. On XX/XX/XXXX XXXX  reported they dropped my limited and reported i had a balance of {$44.00}. This dropped my score. Is this legal because im building my credit.
Consumer complaint received 2022-05-26
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. (VA)

I am an authorized user on an XXXX XXXX card and a XXXX XXXX XXXX XXXX card. The two cards only show on my XXXX XXXX report. They are not showing on my XXXX and Experian reports. XXXX XXXX was contacted this month and they stated that they have been reporting the cards to all three credit bureaus as of XX/XX/2020 and every month thereafter. After contacting XXXX and Experian, they are stating that they have never received the information from XXXX XXXX.
Consumer complaint received 2022-05-26
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: AMERICAN EXPRESS COMPANY (VA)

I am an authorized user on an American Express card and a XXXX XXXX American Express card. The two cards only show on my XXXX XXXX report. They are not showing on my XXXX and XXXX reports. American Express was contacted this month and they stated that they have been reporting the cards to all three credit bureaus as of XX/XX/2020 and every month thereafter. After contacting XXXX and XXXX, they are stating that they have never received the information from American Express.
Consumer complaint received 2022-05-26
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: SYNCHRONY FINANCIAL (CO)

I have filed several disputes with the Care Credit and they refuse to honor my dispute for a charge nor investigate it further due to the dentist claiming he provided the services although I'm saying he did not render services. I am currently in the process of an open investigation with XXXX against the dentist and have asked them to hold off payment until it is resolved, which they have refused to do as well as review submitted documentation again.
Consumer complaint received 2022-05-26
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: LDF Holdings, LLC (AL)

I had to switch banks when my oringal account was hacked, which I informed them of. I told at least 6 diffrent agents that once I was able to open a new account I would forward on the new account infromation. I have also asked for a new contract stating the payment scheulde and on what day the money will be taken out of the account. They have refused to email or mail me anything to sign. Instead they just call my place of work and home phone severl times a day. I have no issue paying the loan off, I simply want something in writting to keep them from going into my account whenever they chosse to take out whatever amount they feel like. I have asked over and over again for new agreement in witting, which they are refusing to give me.
Consumer complaint received 2019-11-24
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: JPMORGAN CHASE & CO. (MI)

3 inquiries I need removed to start building my credit that I had no part of and never gave any permission to do anything with my information at all XXXX XXXX-XXXX, VA ( XX/XX/XXXX ) Jpmcb card-XXXX, De ( XX/XX/XXXX ) XXXX XXXX-XXXX, PA (XX/XX/XXXX
Consumer complaint received 2022-05-26
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: EQUIFAX, INC. (FL)

XXXX FIN XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX  ) XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX ; are reporting on my personal credit file also the inaccurate name and addresses : XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX C XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX  XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/2021 was found in my reports with XXXX, Equifax and XXXX credit reporting agency. This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( XXXX ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file.
Consumer complaint received 2022-05-26
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: EQUIFAX, INC. (GA)

ADDENDUMS TO THE FOLLOWING COMPLAINTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX FOR ALL THREE XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX GEORGIA XXXX XXXX REGIONS LOAN AND FRAUD XXXX XXXX ACCOUNT FRAUD XXXX AND XXXX 'S ACCOUNT THERE ARE MISSING PAGES TO THESE REPORTS, NAMES REPORTS WOULD BE UNDER XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-09-07
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Texas Guaranteed (TX)

They are calling my employer every day after I told them they could n't call my work. Leaving messages, calling the front desk when I do n't personally answer, etc. XXXX ( caller id says XXXX XXXX ) and they leave this number in the voice messages XXXX. They have stopped leaving voice messages after i told them they ca n't call my place of work but they still call my work phone, my work 's reception, and speak to other people at my work to reach me.
Consumer complaint received 2023-02-07
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. (IN)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a XXXX party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/2021 ; XXXX XXXX XXXX Balance : {$2300.00}.
Consumer complaint received 2021-12-16
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

I have been trying to fix my own credit I have contacted each bureau multiple times XXXX equifax XXXX and I have sent my own dispute letters and I have never received a letter back as to why this was on my report its been longer then thirty days I just dont understand I was told that if its been longer then thirty days the item has to be removed it has not been verified
Consumer complaint received 2023-07-28
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. (CA)

I use citibank Custome cash card ending number XXXX In XX/XX/2023 my balance is XXXXXXXX XXXX i have to pay XXXX XXXX interest In XX/XX/2023 my blance is XXXXXXXX XXXX i have to pay XXXXXXXX XXXX  interest In XXXXXXXX XXXX my balance is XXXX USD i have to pay XXXXXXXX XXXX interest I think they will charge me around 25 to 30 % per year but now i can see they charge me more than 10 % to 20 % per month... 

I cant explain how many people who suffered like me, this is un acceptable and abuse client, many people dont have time to look at this and they have just to over pay for whaty they are told to pay
Consumer complaint received 2024-03-11
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. (CT)

I am writing to formally dispute an inquiry listed on my credit report. I did not authorize this inquiry, and I believe it is inaccurate. I have no association with the listed creditor and have not initiated any financial transactions that would warrant such an inquiry.
Consumer complaint received 2023-04-09
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AZ)

i have received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact XXXX, Experian and XXXX through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they send me back investigation results. i am requesting through your portal to please forward my disputes to them as ask them to start their investigation.
Consumer complaint received 2016-01-15
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: LoanCare, LLC (NY)

I am writing to inform you of the difficulty I have endured by refinancing with XXXX XXXX, who was seized by the Federal govt in XXXX. I refinanced on XXXX XXXX, XXXX with XXXX XXXX. They were shut down in XXXX XXXX by the Federal govt. My mortgage was transferred to Loan Care Servicing in Virginia. I have been asking for a copy of my title insurance since XXXX, which over {$3500.00} was included in my contract. I 've found monetary discrepancies & fallacies in my mortgage contract along with exorbitant charges through having a Forensic Audit done. The mortgage contract claims to be a fixed rate but in actuality is a variable rate. This is supposed to be an FHA loan but I can find no record of it. I 've contacted the Title agency, and the lawyer of record, XXXX XXXX, XXXX. but neither to date has responded to me. I truly believe there was not ever an insurance title, and the charges stated in the mortgage are fraudulent. We have been requesting that the servicer do a restructuring of the loan, especially when my spouse faced hardship in XXXX when he was laid off. A Forbearance was granted for 6 mos, after that, they requested all monies totaling {$15000.00}, they claimed was owed, even though they told us if we met the Forbearance, they would grant a modification. We are not trying to get a free ride but want someone to address what we feel is fraud. We have recently received letters not only from Loan Care, saying they own the Note, but also from XXXX XXXX, who says they own the Note from Loan Care. We have checked our county records and find that many illegal assignments have been recorded in the XXXX XXXX clerks office. Also, new title insurance policies have been issued in the state of Virginia and in the state of XXXX, TX. The loan number has been changed on three occasions throughout the the loan. We 've tried to seek justice by hiring at least XXXX law firms but we were simply taken for a ride and our money. We were reimbursed a portion by the Federal Trade Commission. Now, even though we have recently spoken to XXXX XXXX, who claims they hold the Note, we 've received a Notice of Acquisition from the XXXX Law firm representing Loan Care, saying we are in foreclosure and threaten to hand over the Title ( what title?! ) to HUD, who will in turn hand it over to Loan Care. We pray you will investigate this matter of fraudulent and unscrupulous acts from taking place and preventing these entities from unlawfully seizing our property without legal assignment of Note, Principal disclosed, issuance of our Homeowner 's Title policy in mortgage, and explanation of exorbitant charges in mortgage.
Consumer complaint received 2023-04-09
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

Account XXXX is reporting inaccurately on the credit reports associated with my social security number and violate my consumer rights per the following information : Based on the information provided, there are a couple of inconsistencies in the credit report that violate the Fair Credit Reporting Act ( FCRA ). 

The first inconsistency is the account type detail listed by XXXX. While XXXX and Experian indicate that the account type is a charge account, XXXX leaves this field blank. This inconsistency violates the FCRA section 607 ( b ), which requires that credit reporting agencies provide complete and accurate information in consumer credit reports. 

The second inconsistency is the high credit reported by XXXX, which is {$650.00}, while both XXXX and Experian report a high credit of {$0.00}. This inconsistency also violates the FCRA sectio

n 607 ( b ), which requires that credit reporting agencies provide complete and accurate information in consumer credit reports. Furthermore, the comments section of the report indicates that there is a dispute regarding the account, which is resolved but the consumer disagrees. The comments also show that the consumer disputed the account after resolution. These inconsistencies violate the FCRA section 611 ( a ) ( 5 ), which requires that credit reporting agencies include a notice of dispute in the consumer 's credit report if the consumer disputes the accuracy of any information in the report. Overall, the inconsistencies in the account type detail, high credit reported, and the comments section violate the FCRA 's requirement for complete and accurate information in consumer credit reports and the notice of dispute requirement.
Consumer complaint received 2024-03-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Consistently, I've made sure payments on this account are timely, preventing any from becoming overdue. I'm uncertain why there are reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, this should be rectified.
Consumer complaint received 2022-05-26
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)

XXXX FIN XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX ; are reporting on my personal credit file also the inaccurate name and addresses : XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX C XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX  XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/2021 was XXXX  in my reports with XXXX, XXXX and TransUnion credit reporting agency. This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( XXXX ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file.