davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

What happened here is I sent out dispute letters to the three credit bureaus and I haven't gotten anything from them yet. Specific dates are XX/XX/2020. Today is XX/XX/2020 so it's been a month and 20 days or 50 days if you prefer. I believe that is plenty of time to have received anything back even with COVID delays. 

Please have all three credit bureaus investigate for me and send me something back.
Consumer complaint received 2018-05-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK (GA)

Discover Card does not apply payments above the minimum payment to the highest interest rate first. I have not used the Discover card to pay for anything in months and am trying to pay off debt with the balance transfer. A significant share of the balance is currently in a higher purchase interest rate at this point and a small share has a low promotional rate, yet when making a payment with significant amount added to the minimum payment, only a small fraction of this excess payment is allocated to the highest interest rate. 

I have called Discover and emailed them. Both times they XXXX me with " you can not see this from the statements as it goes by average daily balance ''. Funny thing is, it seems to work when I make two payments, one for the minimum balance and one extra, on the same day, though they will not even credit two payments in one day but the extra payment with a 24 hour delay compared to the minimum amount payment ( and I make these payments within 5 minutes of each other in the morning ). And, every other credit card we have had, we could lower our interest by paying off the balance with higher payments, not so this Discover card. The interest stalls though we pay off every month. And their answer is " well your balance is going down ''. All I saw go down over the past 8 months was the promotional interest rate balance until I split up the payment last month. 

My husband has a card with them as well and we made a payment of {$1000.00} extra, and this payment was allocated to the highest balance, no problem clearly visible on the next months statement. I do not make extra payments of XXXX dollars, we pay an additional few hundred dollars each month. They cheat when it comes to one payment in excess of the minimum payment to the point that I have had months when my interest has not only stalled but increased as they shift the balance. 

Best regards, XXXX XXXX
Consumer complaint received 2018-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Navient Solutions, LLC. (OK)

I filed bankruptcy chapter XXXX case # XXXX with Sallie Mae who was later became Navient was removed from XXXX since the loan was open in XX/XX/XXXX. Then it was placed back on my credit tried to contact XXXX to have it removed but it is still on my credit. All other credit bureau have removed from credit them one of my old credit file confirmation # XXXX XX/XX/XXXX had Sallie Mae on it but was removed.
Consumer complaint received 2018-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Hello, I have inquiries on my credit reports that I've never authorized. I don't have any accounts with these companies and these so called inquiries are affecting my credit score. Here 's a list of the inquiries that I didn't authorize. : 1 XXXX XXXX   via XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX - XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX XXXX - XX/XX/XXXX XXXX XXXXXXXXXXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I need to remove these inquiries so my credit score may increase.
Consumer complaint received 2023-07-03
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)

Despite my persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing immense stress and XXXX I want to emphasize that I did not authorize any of this information to be associated with my name, as I have been a victim of identity theft.
Consumer complaint received 2021-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. ()

For the past several months I have been attempting to recover from several instances of identity theft. Despite paying for a premier fraud monitoring plan with XXXX, I didnt become aware of the thefts even as it continued until I applied for a business loan and was denied in XX/XX/2021. 

Seven years ago I knew a few accounts were delinquent following a divorce and my ex wife not following our settlement agreement despite the judges reprimands. Accounts under my name were paid late as a result and I knew the seven years were up based on personal memory, bank records, and lawyer fees and our divorce date. 

I didnt expect to see car loans and hospital bills and an eviction from the recent past. XXXX got in the way and did everything it could to hinder the next steps in recovering from the identity theft. 

1. There isnt a dedicated fraud specialist. And there isnt any inside assistance provided on how to best coordinate a response. I never got one email from a fraud specialist answering my questions. 

2. No one told me that I had potential insurance for identity theft related expenses until after I had performed much of the work on my own and had done so without any expert advice that the insurance claims it would pay for. But its highly unlikely anyone ever receives this assistance because I had a reservation of right letter emailed back to me just a matter of days after I submitted my initial request for a lawyer and to be reimbursed several hundred dollars for usps mail charges ( receipts for everything were included ). I needed a lawyer to help me do the things the carrier said needed done but the carrier denied my request for that lawyer because I couldnt provide certain evidence first. 

3. Eventually I had all eight accounts removed stemming from the identity theft. I submitted dozens of online and mailed disputes. XXXX does utilize a document upload feature for online disputes but it doesnt work. Oftentimes I would spend more time trying to correct an error alert from their dispute page only to find out even after corrected that the dispute required me To mail in yet another copy of my ID, police report, etc etc. There is no central location for a consumers so literally every attempt at communication requires another ID and supported paperwork. Thats great if you offer a modern system that allows seamless verification or if in the alternative the us mail system was reliable and timely. 

4. Several months later, I am still battling XXXX to remove four accounts that are over seven years old and should have been removed long ago. ( XXXX XXXX, XXXX, XXXX and XXXX ). Additionally, there are at least XXXX recent hard credit inquiries that they wont remove that are clearly not connected to me. The four accounts are the same ones that stem from the divorce now eight years ago and the inquiries are from the past year when the last thing I was doing was authorizing anyone to pull my credit.
Consumer complaint received 2022-03-09
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

This isnt a duplicate complaint. I am XXXX XXXX, a consumer, natural person, and I own an open-end credit plan. Im submitting this complaint myself, there is no third party involved. According to 12 CFR Part 202 - Equal Credit Opportunity Act ( Regulation B ) you, CAPITAL ONE BANK ( USA ), N.A. are in violation. CAPITAL OKE BANK ( USA ), N.A. can not deny me of my right to extend credit for personal, family, or household purposes. The fact you, CAPITAL ONE BANK ( USA ), N.A. using false and misleading deception to make me believe otherwise is another violation. CAPITAL ONE BANK ( USA ), N.A. refuse to do business with me and stole from me. Thats discrimination and theft which makes CAPITAL ONE BANK ( USA ), N.A. civilly liable. Im not asking, Im demanding CAPITAL ONE BANK ( USA ), N.A. compensate me for the damages against me & my consumer report, or I will be forced to take legal action. Last chance to make things right before youre liable for more charges, attorney fees, court cost, etc.
Consumer complaint received 2022-03-09
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Fridge & Resendez, P.C. (TX)

I bought a XXXX XXXX XXXX in XXXX for XXXX. I paid around XXXX and had a balance of XXXX. I was constantly having issues with the car and it broke down again and could not afford {$600.00} to fix it. My nephews broke all the windows to the car and the rained ruined it, so i sold it to a junk yard for {$250.00} with the title. The last payment was around XXXX. Now a dept company is suing me for {$66000.00} and threating me to take away my property. The statue of limitation in Texas is XXXX it's been over XXXX since i last made a payment. This means the debt is time-barred.
Consumer complaint received 2020-02-05
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: Experian Information Solutions Inc. (NC)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 




1. USDOE/XXXX Account Number : XXXX 2.XXXX XXXX  XXXX  Account Number : XXXX Please remove it from my credit report. 



I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 
Failing that, the item must be deleted from the report as soon as possible. The listed items is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information.
Consumer complaint received 2018-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (CA)

Hello, haven't received a copy of my credit report for nearly a decade. XXXX provided XXXX & XXXX  online with no problem. Despite all the correct information including SS # and answers to questions, repeatedly refuses to provide online report and imposing very unreasonable burden of filing request by mail. Many others are also complaining about the unavailability of their Equifax reports online as well.
Consumer complaint received 2022-03-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: U.S. BANCORP (NC)

Good Morning, My account has been placed in collections with US Bank however, the company keeps charging my account with late fees. My account has an increased balance of over {$300.00} fees. I have spoken with three managers and they've stated that they can continue to charge late fees. Please advise on any legal advice. Hope to hear from someone soon. 

Kind Regards, XXXX
Consumer complaint received 2018-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY (CA)

Hello my name is XXXX XXXX XXXX, I recently opened an account with Amex and I set up a direct deposit from my XXXX XXXX for it to be renewed at the start at every month. 

Then my best friend and his boyfriend moved in together and as a housewarming gift I gave them {$1800.00} on the card. He logged in the information to the XXXX XXXX Account but accidentally put in my nickname of XXXX instead of XXXX, or left out the middle initial. Anyway, the card blocked itself. 

After waiting collectively an hour trying to contact a real person to unblock it I got transferred to a call center in their XXXX, Arizona office. Once I let it slip out my mouth it was a housewarming/engagement present for a XXXX couple she said she had a bad connection despite calling me from a landline and I had to call back later, she said I refused to answer questions and I said I agreed to answer every question I was just giving context, she refused and said I called the wrong department but could she please transfer me to another colleague? She refused. I hung up. 

Twenty minutes later I called back on the other number and I was connected to the same lady. But this time it was her assistant, I was told after that she left for the day. By then I was infuriated I asked to be transfered to another person and if her personal life is clouding her professional judgement she shouldve transferred me when I asked. They tried to get me to talk to her again but I refused and said I would contact HR. 

Every email I tried to send and call I make goes unanswered to their head office. I even contacted the government agency and they wouldnt to do anything. 

This happened on the XX/XX/2018 I just want my card unblocked. I will cancel it on the next bill cycle its too much grief and I have wasted three days and five hours of my life. 

If you would help me with this I would be very grateful. 

Thanks XXXX XXXX
Consumer complaint received 2022-03-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act ( XXXX XXXX XXXX XXXX case # XXXX, XXXX XXXX case # XXXX ..., XXXX XXXX XXXX XXXX case # XXXX ...., XXXX XXXX XXXX XXXX XXXX case # XXXX ...., XXXX XXXX case # XXXX ...., XXXX XXXX case # XXXX ...., and XXXX XXXX case # XXXX ...., has violated my rights. 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 a account without my written instructions Thank you for helping rectify this situation. I feel at this point my rights have been violated. Please delete off all my credit reports ( XXXX, XXXX, Transunion ) immediately.
Consumer complaint received 2020-07-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Federal Credit Control, Inc. (CA)

Last year in XX/XX/XXXX, I XXXX XXXX XXXX and went to XXXX XXXX XXXX  XXXX XXXX to fix the XXXX. My health insurance, XXXX XXXX XXXX, which I have through my university XXXX XXXX, did not cover the claim. Later on, I called to fix the issue, as it was understood that during the Summer Break I did not need a referral by my physician to get an x-ray or receive the care. The issue was resolved, and I was under the belief that I had already paid my full amount ( ~ {$140.00} ). 

A year later, I received a bill from XXXX XXXX claiming I owed {$190.00}. Immediately, I called XXXX XXXX XXXX to resolve the issue. In a three-way call with XXXX, XXXX XXXX, and myself in XX/XX/XXXX, it was agreed that I only owed {$30.00} because XXXX had made an error. XXXX XXXX agreed to send me a new bill for that amount, which I have been waiting on for a few weeks. 

Unfortunately, near the end of XX/XX/XXXX, I checked my credit score and noticed that it had dropped significantly as a result of a collections claim for {$120.00} from the First Federal Credit Control ( XXXX XXXX, XXXX ). I have repeatedly try to call him to dispute the claim, but after several calls and emails, I have never received a response. 

I contacted XXXX XXXX XXXX, who initially disputed the earlier call claiming I only owed {$30.00}. However, after contacting XXXX XXXX XXXX  billing department, they had proof that XXXX agreed to cover the majority of the claim and that I only owed {$30.00}. XXXX XXXX however did tell me that I needed to contact First Federal Credit Control to pay my {$30.00}, but they have been evasive and not answering my phone calls. As a student, my credit score is a major part of my financial security in the future, and I am very upset that it is currently on my record. I would've paid the current amount of {$30.00} in XX/XX/XXXX, but because of the mistakes made by XXXX XXXX XXXX, my credit scored has severely dropped.
Consumer complaint received 2022-07-08
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. (NJ)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2018-05-01
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. (TX)

I am a Victim of Identity Theft and I have submitted numerous disputes concerning fraudulent accounts reporting on my credit reports. I submitted FTC and police reports to the credit bureaus and and the the companies involved requesting validation of the debts and I have not received validation as requested. I am exhausted with all the runarounds from the credit reporting agencies.
Consumer complaint received 2022-03-09
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION (OH)

I've had XXXX conversations with Credit Acceptance Corp over 3 months. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

I've attempted to clear my past due balance as I was out of work for XXXX weeks due to complications of a sickness I had which has now subsided. My income was non-existent and I called the company multiple times to resolve and all they have told me was that " sorry, we can not help you ''. I was asked to make multiple payments within weeks of each other as I come out of this hardship which I can not do and I have made them aware. 

I know lenders do have solutions for situations like mine but for some reason have chosen not to help me. I am able and willing to pay them going forward but can not simply write them a check for the past due because I had no income during the time I was delinquent.
Consumer complaint received 2022-03-09
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 XXXX XXXX XXXX points on my XXXX credit report unfairly and inaccurately. All Accounts removed are being deducted from my general score this is wrong. Accounts balances reported as decrease is deducting reports. This is wrong. Accounts with no status being reported is deducting points. 
XXXX XXXX reporting removed accounts as still open by not removing the account. 
XXXXXXXX XXXX is not reporting all the accounts accurately. Accounts are being reported close as open. Closed accounts must be deleted. Closed accounts are paid in full. Please remove the accounts that are placed in different areas on XXXX.