davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (NY)

In XXXX or XXXX of XXXX I opened a new credit card account and took advantage of a balance transfer promotion. I paid a fee of {$91.00} to transfer a balance of {$3000.00}. The promotional rate given was 0 % until XX/XX/XXXX. 

I also made additional purchases on the card totaling {$2100.00} which also had a promotional rate of 0 % until XX/XX/XXXX. 

In XX/XX/XXXX I took advantage of another offer on the same account and borrowed {$4800.00} on a Flex plan@ 8.99 % with a fiver year term. 

I've been making extra payments so the balance transfer and additional purchases will be paid off before the 0 % promotional rate expires in XX/XX/XXXX but the credit card company is applying the extra payments to the Flex loan because it has a higher interest rate ( 8.99 % versus 0 % ). This means that while I'm saving the 8.99 % interest on about {$4500.00} now, beginning in XXXX I'll be paying about 25 % interest on about {$2700.00}. Saving roughly $ 22/month now is going to cost me about $ 56/month next summer! 

I was told by the credit card company that the system can not be over-ridden to apply the extra payments to the promotional balance rather than the Flex balance. This is a poor excuse since other credit card companies offer the account holder the choice of how to allocate payments. ( I can do that on my XXXX credit card for example. )
Consumer complaint received 2021-12-06
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. (PA)

I am XXXX XXXX XXXX XXXX I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my account has been diligently neglected by TransUnion. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my account is still on my reports. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the account that still reporting on my account : XXXX {$390.00}
Consumer complaint received 2019-08-29
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. (TN)

I am writing this due to non- reportng with ( XXXX , Experian , XXXX ). They have failed to add information that was paid in full do to a real estate flip i did from XX/XX/2007 to XX/XX/2007. I strongly believe that they are in violation of the FCRA and are outright hurting the way i do business with my name.
Consumer complaint received 2018-11-25
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc. (TX)

I was charged unauthorized by a merchant by the name of XXXX on XX/XX/18. I have placed a dispute with card company and have sent written confirmation. I am supposed to receive provisional credit within 10 days. It has been beyond the 10 day threshold, I have received the replacement card but have not been made whole from the unauthorized charges stemming from this merchant. I have called multiple times to the card company but have be denied to receive any escalated support, which is why I am now reaching out to you for help. I am seeking a full return for all charges stemming from this merchant XXXX. 

XXXX card is my card company their phone number is XXXX Please assist
Consumer complaint received 2018-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Bread Financial Holdings, Inc. (CA)

XXXX XXXX has reported incorrect, fraudulent information on my credit report, TWICE. In XX/XX/XXXX, I paid my XXXX XXXX credit card balance in FULL. I then, called and requested that the account be closed. They did as I requested. In XX/XX/XXXX, I filed Chapter XXXX Bankruptcy. XXXX XXXX WAS NOT included in my Chapter XXXX BK. I have my original court documents to validate this fact. Months after my BK was discharged, I reviewed my credit report and discovered that XXXX XXXX reported that they were included in my Chapter XXXX BK, which is FALSE. At the advise of an attorney, XX/XX/XXXX, I mailed XXXX XXXX a letter, disputing the incorrect, damaging information that they added to on my credit report. XXXX XXXX sent me a letter indicating that they would remove the incorrect reporting from my credit file, it was removed. XX/XX/XXXX, I was sent an alert from one of the major credit bureaus informing me that XXXX XXXX reported my account as active and could add information to my credit report that could be POTENTIALLY NEGATIVE. I called XXXX XXXX on XX/XX/XXXX and spoke to XXXX within their accounts dept. XXXX began explaining to me ; that they KNOW my XXXX XXXX account WAS NOT INCLUDED in my Chapter XXXX BK, BUT because they are a small bank, they could report the Chapter XXXX BK to the credit bureaus. I told them that they are committing FRAUD and adding conflicting reporting to my credit report that is DAMAGING and hinders my ability to receive new credit when I apply. I told them, if they do not REMOVE the damaging CONFLICTING FRAUDULENT information from my credit report, I will request that they be held in contempt by the XXXX XXXX Bankruptcy Court AND I will file a complaint against them for committing fraud and possibly trying to defraud their insurance company.
Consumer complaint received 2018-11-25
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (CA)

When I exited XXXX school in XXXX I was prepared to enroll in the income based repayment and I knew what I needed to do. It was early XXXX between XXXX and XXXX this took place if I'm remembering correctly, I knew I needed to provide a income statement or a letter stating I was not working as proof of no income. Multiple time Navient told me they did not know what I was talking about and this persisted for months. I had multiple phone calls, but it was not until approximately 3 months in a Navient Employee actually walked me through where on the website I needed to submit the letter stating I had no income. This little fact cost me almost {$30000.00} in capitalized interest. When I'm a XXXX  student who had almost {$200000.00} in debt adding an additional {$30000.00} was just demoralizing. I can honestly say I haven't challenged this previously mostly out of embarrassment. This has happened to fellow classmates of mine and companies like Navient are banking on the fact we won't fight it.
Consumer complaint received 2018-04-12
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: LEXISNEXIS (CA)

LexisNexis is reporting 4 BK accounts that were dismissed and filed in error. The law states from date of adjudication or date of order for relief. Any case, civil or otherwise, that has been dismissed no longer exists in the eyes of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent. 

Therefore, it is only fair that in accordance with Section 1681 ( a ) ( 5 ) of the FCRA you delete this information from my credit report and please send me a updated copy when it is completed. Considering that this does not require an investigation, I would appreciate your response within 2 weeks from the date you receive this letter.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NY)

I worked hard to get my score up to XXXX and in one week Experian drops me XXXX points in one week totally illegal and against federal regulations my credit account has few cars and a few I paying on time as well as a long standing loan through my credit union as well on time. It's alarming to have your score dropped XXXX points with no explanation the same scripted response of algorithms and they dont was to speak to you or listen still fighting for over a week to get them to remove a negative reporting that has nothing to do with me at all and I called this XXXX XXXX who could not provide a signed contract or credit application from me to produce proof. Experian holds folks hostage as the nationwide reporting and always making mistakes and public information errors. They want to force folks to pay for this ridiculous service twice charging me and having to spend hours on hold to refund me. All my scores were good across the board, payments on time, now they want to XXXX  me with you have too little credit or too many inquires as they constantly send me promotions practically everyday for a new card or loan to consolidate. It's a bombardment in my email.
Consumer complaint received 2022-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-12-06
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: Navient Solutions, LLC. (AL)

Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.
Consumer complaint received 2021-12-06
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Bread Financial Holdings, Inc. (NJ)

Took out a loan Archarge Credit Card XXXX XX/XX/XXXX in the amount of {$6700.00}. To avoid any interest payment, the loan was to be paid back by XX/XX/XXXX. I made monthly payments and the last payment I made from my home equity account did not go through. I was not notified until after the date and I was charged all the back interest at 27.99 %. I paid the entire amount in XXXX to not incur any additional interest charges I spoke with the company and they said I had no recourse. I tried to call the company today get the amount of interest I was charged- the recording said my account was closed and it hung up. 

Understanding there has been some time, but we had medical issues and XXXX has been a distraction. Please let me know if you can help me. 

thank you, XXXX XXXX NOTE : I recently moved from XXXX XXXX XXXX XXXX, XXXX, NJ. My new address is XXXX XXXX XXXX, XXXX XXXX, NJ XXXX
Consumer complaint received 2021-12-06
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: Global Lending Services LLC (AL)

On XX/XX/20 I checked my personal credit report and noticed multiple inquiries to the following companies. That I did not authorize to. The companies are listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize these companies and this is fraud.
Consumer complaint received 2019-08-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I am writing this due to non- reportng with ( XXXX , XXXX  , Transunion ). They have failed to add information that was paid in full do to a real estate flip i did from XX/XX/2007 to XX/XX/2007. I strongly believe that they are in violation of the FCRA and are outright hurting the way i do business with my name.
Consumer complaint received 2020-01-29
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. (TX)

ATTN Fraud Department : Remove fraudulent accounts from my credit report Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 


Fraudulent Closed Accounts : Name of Institution Account Number Date Opened XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX US DEPT OF ED/GLELSI XXXX XX/XX/XXXX Fraudulent Collection Accounts : Name of Institution Account Number Date Opened XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX Fraudulent Inquiries : Inquirer Name Inquiry date XXXX   XX/XX/XXXXFraudulent Addresses : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX , XXXX XXXX, TX XXXX Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information. 


Also, update the following accurate personal information to my credit report ; Accurate Personal Information : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX APT XXXX, XXXX XXXX, TX XXXX Employer ( s ) :  XXXX XXXX XXXX Phone number : ( XXXX ) XXXX Enclosed are the following : FTC Report Number : A copy of my Identity Theft Report and proof of my identity. 

I appreciate your prompt attention to this matter and await your reply. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2018-08-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (WA)

ERC has opened an account using my information to report misleading and inaccurate information on my credit report. I never entered into any contract or signed any documents or made any agreements with this collection agency. They have no right the furnished any information on my credit report. I never gave them any permission to. They should be shut down. They are taking advantage of XXXX VETERANS like myself. They are adding stress to my life and is making it impossible for me to obtain credit. I have only few weeks to fews purchase a home but ERC is making impossible by reporting misleading and inaccurate information or my credit report. Please remove this fraudulent information from each credit bureau XXXX, XXXX, XXXX.
Consumer complaint received 2018-07-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied Account Services, Inc. (NY)

XXXX sent me an electric bill in XXXX for a bill in a house in XXXX NY. I told XXXX that was not my bill and they asked for me to send a letter to their XXXX XXXX XXXX NY explaining this. I sent a letter asking them to pull deed or lease info on file and sent my license with my current address, and I never heard back from XXXX. I have NEVER owned or rented a home in XXXX. I have resided in XXXX since XXXX. XXXX never contacted me back since XXXX and now they sold my account to a collection agent without any information sent to me. THIS IS NOT MY DEBT AND NEEDS TO BE REMOVED AND CLOSED.
Consumer complaint received 2018-11-25
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. (TN)

I have mailed all three credit bureaus about this account reporting incomplete and inaccurate information on my credit report. Dates ( XXXX-18, and XXXX-18 ) and its still getting verified without any legitimate proof of verification. I would like this account removed it is hurting my credit, Im not sure how this account remains and it is not mines, I have provided my driver license and mail stating my address and name. Account number XXXX, also I have received repsonses saying verified or updated, meaning this account was being reported inaccurate.
Consumer complaint received 2018-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

I was going over my credit report and I seen address and information that is not accurate. 
My Name is XXXX XXXX XXXX, please remove any other variations on my name. 
My Current employer is XXXX XXXX XXXX XXXX My current and only address is XXXX XXXX XXXX XXXX XXXX, OH XXXX. Please delete/remove the following address below : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX , XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Consumer complaint received 2018-07-31
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. (NC)

There are incorrect addresses and names on my credit report. 
There is a name of XXXX XXXX on my report - I do not know a XXXX XXXX. 
There are addresses on my credit report that I have never lived or resided. 

I have formally requested my address and name be updated on my report and I received a copy of my Experian and XXXX  with the information unchanged. 

XXXX  has updated my information with my correct name, employer and address.
Consumer complaint received 2018-04-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BB&T CORPORATION (PA)

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX has filed false charges with the XXXX police department, XXXX XXXX XXXX, of XXXX XXXX failed to route my Cashier checks through the Federal Reserve. XXXX XXXX XXXX has failed to honor my Substitute Check Rights. Included with this filling is a copy of the substitute check the XXXX XXXX XXXX, failed to disclose.
Consumer complaint received 2018-04-12
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (OH)

XX/XX/2015, XXXX XXXX diagnosed my computers problem as needing a new hard drive. They told us we couldnt just pay for this repair and would need to purchase a service plan that would cover the work needed. We were heavily persuaded to purchase a 3 year plan of nearly {$350.00}. Plus purchase the additional hard drive, which was not covered in the plan. 

When they went to install, they realized that the hard drive was, in fact, not the issue and the motherboard needed replaced. This assessment forced us to junk the computer and purchase a brand new one. We have been trying ever since to be removed from the service plan and receive a refund for it. We even offered to pay for the labor hours, but have been denied at every turn. 

XXXX XXXX roped us deceptively into a contract under the pretense of need. When that need was proven false, they refused to allow us out of the contract. Oh, and to add insult to injury, when we took our dead hard drive to a retrieving service to get our precious data from it, it was found that the blank new one was still in it. It took XXXX XXXX two days to even find our actual hard drive, which they never returned to the housing. 

We have never used this service for anything else and essentially paid {$350.00} for a wrong diagnosis and were forced to buy a new computer anyway. We tried repeatedly to receive a refund from XXXX XXXX, Best Buy, and Best Buy Credit. We were brushed off at every attempt. Since it was a credit purchase yet paid from pocket, I continued to make payments on the account until only the disputed funds remained unpaid and simply stopped making payments at that time. My credit report will show that this is not typical behavior for me and Im not trying to just avoid paying my debt. 

We are currently being sued by the collection agency representing the debt, and have since acquired documents from the original creditor containing fallacies regarding the transaction. These lies assert that work was done when in fact, they're charging us {$350.00} for a diagnosis.
Consumer complaint received 2018-11-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I have tried to resolve debit with XXXX XXXX XXXX XXXX by requesting information to prove debit. 

1st issue, I requested Singed contract. No less than 4 times, none returned except just billing statements.

2nd Issue is there stalling has cause harm to my credit file, thus I suggested an offer compromise, I was willing to pay the bill to remove it from my credit just to get rid of the problem. Inlue of a more escalated approach.

The problem from my point is if I pay then I admit this was my billing, they said they dont remove paid contracts. I did not acknowledge the billing was mine. To pay it would not resolve the issue at hand. They said no and they dont remove paid bills.