davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-04-21
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: DISCOVER BANK (FL)

Hello, I am a 2011 graduate of XXXX XXXX University with a student loan outstanding debt of a small house in the country. The only problem with that is the outstanding amount the loan company asked me to pay every month, which I was n't able to do. It 's the equivalent to a monthly lease on an apartment. This caused me to be referred to a lawyer firm to " collect debt ''. I 'm constantly being harassed that I should settle or increase my payments. Both of which I ca n't do because I do n't make that amount of money to be able to do just yet. I 've asked to be on a lower payment plan ... denied. I 've asked what other options I have that could be worked out with me having to pay rent, eat, actually go to work to make money, etc. Nothing is really being done apart from the phrase " if you do n't increase your payments soon, there is n't much I can do. I 'm doing what I can, but clearly it is n't enough. The flip side to that is that I did n't land a job in the field that I graduated from. I 'm using what I did go to school for just a little bit. In all reality, I could 've just purchased software and used trial and error to figure this thing out. Now I 'm stuck paying this super huge amount of money back and the only thing I feel like was actually worth asking for a loan was the living expense that helped me get started in a new city as a young adult. At this point, I 'm sure I 've paid off that amount of living. 

In all reality, I do n't believe that XXXX XXXX University is worth taking out this much debt unless you already have something established prior to attending. After doing research and hearing the amount of complaints with this school and the graduation rate ... the proof is there. I have contacted other student loan help ( which worked ) concerning federal loans ( subsidized, unsubsidized ), now I would like to have my private loans reviewed to hopefully get a similar result.
Consumer complaint received 2022-10-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2021-10-27
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Army and Air Force Exchange Service (TN)

I have been an outstanding customer and absolutely enjoy my Military Star Card. However this year and last year have been incredibly difficult as I know it has been with everyone. My wife is a XXXX XXXX and in XXXX of 2021 caught XXXX XXXX and I missed my XX/XX/2021 payment. The next month I brought my account current and worked very hard to stay on top of everything and in XX/XX/2021 I lost my father due to XXXX XXXX. The unexpected funeral costs impacted my family heavily and my XXXX and XXXX payment suffered. I have been working extremely hard to keep my good payment history and account in good standing and I paid off my account in full in XXXX of 2021. I called the customer service phone number on XX/XX/2021 to ask if the late payments could be removed from my credit report due to XXXX and how it has effected my family this year and I was given incorrect information and the lady was not very nice or helpful at all. Not knowing who to call or my next direction as it relates to this matter this was the only place I went to for my next step. I am trying very hard to move into a new home and start fresh and leave the grief behind. I know these last two years have impacted everyone. But I am just trying to keep my good payment history and status with my Military Star card in good standing.
Consumer complaint received 2022-03-29
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act, Everything has to be 100 % accurate on my credit report. These actions violated my rights. 

ACCOUNT - XXXX # XXXX 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 

15 U.S.C. 1681 section 604 A section 2, It also states a consumer reporting agency can not furnish an account without my written instructions. 

The Credit Reporting Agencies stated the account was properly investigated but these items in my attached credit report show different.
Consumer complaint received 2021-11-12
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: EQUIFAX, INC. (FL)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  & XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX & XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX
Consumer complaint received 2022-05-18
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)

XXXX XXXX, XXXX XXXX XXXX is reporting an erroneous and inaccurate charge-off with a past due balance on my credit report with XXXX and Experian. In violations of FCRA, a charged-off account is already written off. There should be no past due balance of {$4500.00} when the account is charged-off already. I dispute the entire balance pursuant to FCRA Section 623 ( a ) ( 1 ) ( C ), FCRA 623 ( a ) ( 2 ) ( B ), and FCRA 623 ( a ) ( 5 ) ( A ) against XXXX XXXX XXXX XXXX XXXX. I previously disputed this erroneous and inaccurate information with XXXX and XXXX XXXX  XXXX XXXX XXXX was removed from my credit report for inaccurately reporting a charged-off account with a past due balance amount owed. A direct violation of FCRA, requiring all inaccurate information to be removed. XXXX XXXX XXXX XXXX XXXX sold the charged-off account to XXXX XXXX XXXX XXXX Who XXXX me on XX/XX/2022 by letter attached as a Collections agency. Pursuant to FDCPA Section 809. Validation of debts ( 15 USC1692g ) requires validation of debt before reporting information on my credit file. I demanded validation of debt from XXXX XXXX XXXX XXXX XXXX When XXXX XXXX, XXXX failed to validate the debt, they informed me that the account was transferred back to XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2021-11-12
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BAM Management US Holdings Inc. (CA)

I transferred crypto from one platform to Binance.US to use their trading features. Went through ID verification. My application is stuck in " oending '' for weeks with no response from their support. Multiple tickets filed. " Live Chat '' is all automated. There is no support. They are holding my money hostage and will not let me withdraw or buy crypto to transfer. I was able to save some losses by transferring what I had left in cyrpto currency back to XXXX  but only through the browser. The phone application will not allow you to do it. The crypto coins I sold to cash out is still stuck. I am not able to add a bank account when verification is pending.
Consumer complaint received 2022-03-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (DE)

On XX/XX/XXXX I sent a letter to DISCOVER BANK requesting them to send me files regarding my account as well as file for their records a 2848 and 56 form that was included with the letter. It was in good faith that I reached out to DISCOVER BANK after learning my rights and the role of a consumer from the Consumer Credit Protection Act. 

As stated in the letter from DISCOVER BANK We are in receipt of your letter dated XX/XX/XXXX. As a result, we have decided to permanently close your Discover Card account ending in xxxx. DISCOVER BANK provided no reasoning, only a result which was obvious before I got the letter. 

After exercising my rights as a consumer under the Consumer Credit Protection Act, they discriminated against me and preformed this extreme adverse action. 

I have been a card member with DISCOVER BANK since XXXX. Every bill was paid BEFORE every due date and I referred friends and family members to this company. I was in good standing with DISCOVER BANK from the time I opened the account to even when they closed my account. 

After almost five years in business with DISCOVER BANK, I send one letter regarding my account after learning of my rights as a consumer and they discriminate against me as I exercise my right in good faith. 

On top of that, before I even knew that my account had been closed, DISCOVER BANK reported this negative activity to consumer reporting agencies to disclose on my consumer report. 

I am under stress because of DISCOVER BANKs adverse action against me.
Consumer complaint received 2022-12-16
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. (IA)

I appreciate your taking the time to CORRECT some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

I have contacted all 3 Credit Reporting Agencies several times about the same thing over and over again. Each has told me they have fixed the issue or the information is valid. At this point, I am now seeking monetary relief. 

My personal information is wrong, XXXX and EXPERIAN are reporting non-mailable addresses. Only address should be listed, No other address. 

My DOB is reported wrong. 

The only variation of my name should be XXXX XXXX XXXX XXXX XXXX - payment history is incomplete and is reporting the wrong Date opened date and is only reporting to Experian. 

XXXX XXXX  - is reporting to all 3 CRAs and all the information for each is reporting incorrect information such as, Account Numbers, Monthly Payments, Date Opened, High Credit, Last Reported, Date Last Active, Date of Last Payment, also the Charge-off Date, XXXX reports 2 charge-off dates of XX/XX/2023 and XX/XX/2023 and Experian has a charge-off date of XX/XX/2023. Payment history is incomplete. 

XXXX XXXX I have disputed this information several times they have not shown any evidence or proof of this debt and XXXX and XXXX are reporting incorrect information like Date Opened, Last Reported, Date Last Active, Credit Limit , Past Due, Date of Last Payment XXXX XXXX - reporting incorrect information like Last Reported, Date Last Active, Balance, Credit Limit , Past Due, Date of Last Payment, Monthly Payment, Payment History incomplete INQUIRIES - XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX They have ignored the fact I am a victim of identity theft and have been trying to repair what has been affected. With this incorrect information being reported, I have not been able to do the simplest of things to ensure my familys well-being. I will also be filing another FTC report as well. 

I am more than willing to handle this matter in court.
Consumer complaint received 2022-12-16
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. (IL)

I have an inquiry that is fraudulent someone else did it and I tried removing it from the credit bureau and they wont do it. The inquiry is XXXX  code services. XXXX. The address is XXXX XXXX XXXX  XXXX XXXXXXXX, NY ZIP Code, XXXX. The telephone number is XXXX. 
The inquiry was on XX/XX/XXXX, XXXX
Consumer complaint received 2023-10-01
Product: Credit reporting 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)

All of the auto requests on my report have been falsely applied for on my credit reports. There are many. There are also credit cards. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX, XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-01
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. (CT)

I am writing to report an issue regarding my credit report with Experian. On XX/XX/XXXX, I contacted Experian to address the following incorrect information on my credit report. As of the present date, I have not received a response from Experian. The following details the inaccurate information and the required corrections : The following account was never late : Creditor : XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$430.00} Please correct this inaccurate information on my credit report. 


The following account is not mine : Creditor : XXXX Date Opened : XX/XX/XXXX Balance : {$520.00} Please remove it from my credit report. 


The following account is not mine : Creditor : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$220.00} Please remove it from my credit report. 


The following account is not mine : Creditor : US DEPT ED Date Opened : XX/XX/XXXX Balance : {$2200.00} Please remove it from my credit report. 


The following account is not mine : Creditor : US DEPT ED Date Opened : XX/XX/XXXX Balance : {$1100.00} Please remove it from my credit report. 


The following account is not mine : Creditor : US DEPT ED Date Opened : XX/XX/XXXX Balance : {$3700.00} Please remove it from my credit report. 


The following account is not mine : Creditor : US DEPT ED Date Opened : XX/XX/XXXX Balance : {$1800.00} Please remove it from my credit report. 


The following account is not mine : Creditor : XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$1100.00} Please remove it from my credit report.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (VA)

I just looked at my credit report from Experian XX/XX/XXXX. I saw some hard inquiries that did not have permissable purposes. I have attached evidence. 

1. Name : XXXX XXXX Date : XX/XX/XXXX This inquiry does not have permissable purpose to be on my credit report. Delete this inquiry due to violation 15 USC 1681b. 

2. Name : XXXX XXXX Date : XX/XX/XXXX This inquiry does not have permissable purpose to be on my credit report. Delete this inquiry due to violation 15 USC 1681b. 

3.XXXX XXXXXXXX XXXXXXXX XXXX Date : XX/XX/XXXX This inquiry does not have permissable purpose to be on my credit report. Delete this inquiry due to violation 15 USC 1681b. 

4.XXXX XXXXXXXX XXXX XXXX Date : XX/XX/XXXX This inquiry does not have permissable purpose to be on my credit report. Delete this inquiry due to violation 15 USC 1681b. 

4.XXXX XXXX XXXX XXXX Date : XX/XX/XXXX This inquiry does not have permissable purpose to be on my credit report. Delete this inquiry due to violation 15 USC 1681b. 

4.XXXX XXXX XXXX XXXX Date : XX/XX/XXXX This inquiry does not have permissable purpose to be on my credit report. Delete this inquiry due to violation 15 USC 1681b. 

4.XXXX XXXX  XXXX XXXX Date : XX/XX/XXXX This inquiry does not have permissable purpose to be on my credit report. Delete this inquiry due to violation 15 USC 1681b. 

5. XXXX XXXX Date : XX/XX/XXXX This inquiry does not have permissable purpose to be on my credit report. Delete this inquiry due to violation 15 USC 1681b. 

6. XXXX XXXX Date : XX/XX/XXXX This inquiry does not have permissable purpose to be on my credit report. Delete this inquiry due to violation 15 USC 1681b. 

7. XXXX Date : XX/XX/XXXX This inquiry does not have permissable purpose to be on my credit report. Delete this inquiry due to violation 15 USC 1681b. 

8. XXXX XXXX XXXXXXXX. Date : XX/XX/XXXX This inquiry does not have permissable purpose to be on my credit report. Delete this inquiry due to violation 15 USC 1681b. 

9. XXXX XXXX XXXX XXXX Date : XX/XX/XXXX This inquiry does not have permissable purpose to be on my credit report. Delete this inquiry due to violation 15 USC 1681b.
Consumer complaint received 2022-12-16
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)

I have a hard inquiry that is not mine. It was a fraudulent inquiry. Somebody was trying to open credit cards with my information. I tried removing this from the credit bureau and its still there. Theyre not doing their job. The income is XXXX XXXX XXXX  address, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, phone number XXXX.
Consumer complaint received 2022-12-16
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. (IL)

I have a hard inquiry that is not mine. It was a fraudulent inquiry. Somebody was trying to open credit cards with my information. I tried removing this from the credit bureau and its still there. Theyre not doing their job. The income is XXXX XXXX XXXX address, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, phone number XXXX.
Consumer complaint received 2022-03-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION (NC)

This complaint is against Truist. 

OVERVIEW : I'm locked out of my online account. I have no access to over $ XXXX of funds, can't issue payments, and no longer have an active debit card. 

RESOLUTION ATTEMPTS : I have spent over 10 hours on hold with Truist. The few times I've managed to speak with an XXXX  call center agent, they inform me that my issue needs to be handled by a 'specialist ' and ask if I'll go back to waiting on hold. 100 % of the time they place me back on hold the call is disconnected within 5 minutes. 

I've left dozens of voicemails and contacted Truist on every social media platform that I can. No luck. 

I stopped in 2 Truist locations and asked for assistance. All Truist employees told me that I have to call in to speak with a fraud specialist that can assist in unlocking my account. 

At one point, I told the Truist manager that I want to close my accounts and she told that I couldn't close them because the person who has authority to close accounts had gone home for the day ( this was XXXX on a Friday ). 

At this point I'm desperate for help. I have bills that were tied to my Suntrust check card that are not bouncing back. I can't withdraw money and I can't initiate online transfers. 

The only FRAUD here is TRUIST!
Consumer complaint received 2022-03-29
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction or removal of the erroneous information about my account has been diligently neglected by Experian. Despite sending them the last letter, dated XX/XX/2022, for the said request, I have not received any response up to this date, XX/XX/2022. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting unverified information. Below are the items that are still reporting on my account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (CA)

I am XXXX XXXX XXXX and can no longer afford my mortgage. I am in a situation were I need to do a short sale. I have signed up for a program called XXXX XXXX XXXX XXXX who can help with the short sale and relocation assistance that I need. 

I have been told that Mr Copper is not letting me do a short sale to avoid a foreclosure. I understand that this file is seriously delinquent and other attempts were made. 

The file is more delinquent because of 20 months of COVID. The other attempts did not get approved because apparently the agents I hired did not know what they are doing. These are 2 factors I am not in control of. I am now working with a group that specializes in short sales and foreclosure prevention. 


I am asking for a 2nd chance to apply for a shortsale so I can relocate.
Consumer complaint received 2022-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (DE)

These inaccuracies on my credit report need to be removed and blocked from my credit file soon as possible I can not obtain any credit in my names because of this problem please have high concern of this manner it is effecting my financial life thank you XXXXXXXX