davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX XXXX has ruined the last 14 months of my life. I have not been able to rent an apartment, apply for any credit or to be able to continue to build my financial status. I have been requesting since XX/XX/XXXX for XXXX to check the system to rectify the error on my daughters student loan account. 
Initially, I was told the issue was with my daughters college, XXXX XXXX XXXX. XXXX has been informed that my daughter is no longer a full-time student and it automatically took the student loan out of forbearance. After the third call, I went to XXXX XXXX financial aid office, my daughter, XXXX and I spoke to XXXX. I was told this can be cleared up quickly. We contacted XXXX on the phone and informed them the information will be sent from the school. 
After XXXX received the information, I was informed there was a different reason as to why my daughters loan was in deferment. I was told I never signed a deferment to begin with. XXXX requested for me to sign another deferment. I did not agree with their advice, however if I did not it was going to make my credit worse. I signed temporarily, in hopes that the school would be able to provide proof of my statement. 
Friday, XX/XX/XXXX, I spoke with a supervisor from XXXX XXXX Financial Aid Supervisor, she expressed she had the same problem with her student loans while in college and accessing the Federal Student Loan Database was her solution. She explained that XXXX has full access to the Student Loan Database and should have been able to verify this information without hardship. 
I have continually requested for XXXX to please check all records that may be privy to such information and they continued to reflect negative false information that was harmfully to my credit report and my familys livelihood.
Consumer complaint received 2022-03-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I intended to XXXX {$1500.00} to my friend 's account at XXXX XXXX XXXX. Unfortunately, the money was Zelled to XXXX XXXX XXXX, which is wrong phone number. I called the individual several times and even send a text to the number to refund the money back to my XXXX account. The individual has never responded. 

I reached out to my bank, XXXX XXXX, they said there is nothing they can do because the money had already left my account. I called XXXX and said to contact the client 's bank, Bank of America. Bank of America said they can only conduct an investigation if they get a report from XXXX. XXXX refused to start an investigation for the process. 

This is now between Bank of America who is the client 's bank and XXXX who owns the platform. They can trace the individual through their phone number provided.
Consumer complaint received 2019-04-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have been working on some mistakes showing on my credit report. I just looked at my credit monitoring site and it shows an account added to TransUnion with XXXX XXXX XXXX with a date opened XX/XX/XXXX. This is garbage, they re-aged this because another reporting agency had it reporting opened XX/XX/XXXX so where did TransUnion get off reporting it with a new date? This is a huge violation of the FCRA This is adding another year to things.
Consumer complaint received 2024-03-25
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (VA)

Approximately XXXX XX/XX/2024, AMEX Fraud Department placed a " hold '' on all XXXX of my AMEX cards. I have not been late or delinquent in payment of any charges. 

Without notice, AMEX placed cards on " hold '' status causing automatic payments to utilities and services to be rejected. Additionally, the cards serve as my DeFacto day-to-day payment method and I was surprised and unable to pay for snacks or meals during the work day. 

AMEX made contact approximately XXXX XX/XX/2024 stating they had placed a " hold '' and needed XXXX pay stubs and bank statements verifying an ability to pay balances. If documents were not provided, AMEX would close all accounts by XXXX XX/XX/2024. Again, I have no history of late or delinquent payments. In an effort to resolve the issue, the requested documents were submitted through AMEX 's encrypted email service. XXXX documents from XXXX XXXX XXXX XXXX  and XXXX documents from the Defense Finance and Accounting Service ( DFAS ) were provided, per their request. On XXXX XX/XX/2024, AMEX made contact and stated the documents provided could not be authenticated. The XXXX based AMEX customer service representative provided technical guidance to use " privacy mode '' in browsers to download the bank and DFAS documents and resubmit. On XXXX XX/XX/2024, documents were resubmitted into their encrypted email service.

Primary concern, AMEX did not provide prior notice to placing a " hold '' on all XXXX AMEX cards, impacting automatic payments and use for daily payments. In an era of little paper currency use, this was very impactful. Additionally, AMEX should have requested the documents to resolve any concerns prior to placing a " hold, '' especially for customers with no late or delinquent history.

Secondary concern, as an XXXX XXXX XXXX XXXX, I found it concerning that an XXXX based AMEX customer service agent had full access to US Government DFAS documents that contain XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Documents were provided to AMEX with the belief the email encryption service allowed only authorized US entities to be able to see information. When questioned about this practice, the XXXX based agent stated they see many XXXX XXXX XXXX
Consumer complaint received 2022-03-30
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. (PA)

I was taking Advantage of due to malpractice, while several laws were being broken under the FCRA by your company. This has caused me financial injury, this has caused me defamation of character, I cant get a job, I couldnt close on a deal, that caused a financial impact. Under this crisis, you have hurt my ability to obtain credit.
Consumer complaint received 2019-05-08
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. (GA)

Yesterday, I opened a dispute over the phone as well as online with Trans Union regarding an incorrect entry for XXXX XXXX paid on XX/XX/2009, which is still showing as a charge off/collections on my credit report. This was added 2 days ago, and caused my credit score to drop 79 points. 

The transaction was supposedly deleted from the credit report, but the credit score was never amended. However, the credit report still shows 2 delinquencies, even though they do not appear as part of the credit report. 

I sent the appropriate documentation as an attachment to the dispute and was told that since the account is not showing in the credit report, they could not correct it! 

This was corrected immediately by XXXX, but not by Trans Union. The persons who have answered the phone will not take any action and simply continue to repeat again and again that the entry is no longer in their system. When asked to be transferred to someone who would be able to help they stated there was no one who would be able to do anything since the account is not showing in the credit report after I entered the dispute. 

The impact this has had on a financial, emotional and personal level is almost disastrous. My credit score is now an " F '' due to their negligence and lack of professionalism as well as possible unethical business practices. 

Your help in this matter is greatly appreciated as have not had any assistance or support from TransUnion regarding this matter.
Consumer complaint received 2020-12-16
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: CL Holdings LLC (TX)

On XX/XX/20 i disputed a XXXX XXXX credit reporting for incorrect information. The XXXX account was removed from my credit report. On XXXX a new debt collecting company that purchased the XXXX account started reporting with even more incorrect information and showing as a new active account. I disputed the new account ( JEFFERSON CAPITAL SYSTEM ) with XXXX and the investigation came back as updated. JEFFERSON CAPITAL SYSTEM ( debt collector ) has incorrect information being reported as a new account as of XXXX. XXXX doesn't want to do the research to see the original XXXX account was removed for incorrect reporting data. XXXX sold the account to JEFFERSON CAPITAL SYSTEM and is now showing as a newly delinquent account. Thank you
Consumer complaint received 2019-04-04
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. (GA)

Equifax and XXXX  are reporting incorrectly that I am 120 days past due on the XXXX/XXXX   account and the XXXX/XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 3 and 4 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. These accounts are currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2023-09-28
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: I.C. System, Inc. (MI)

On XX/XX/, IC SYSTEM INC, XXXX XXXX XXXX , XXXX XXXX MN XXXX, XXXX, pulled my XXXX credit report as a Hard Inquiry. I received notification of this through my credit monitoring software. I immediately called IC SYSTEM INC and they told me they had no idea who I was and why they pulled my credit. The Rep hung up on me. I called back to talk to a different Rep. I was told the same thing. Both times I was told they did NOT know who I was after taking all of my personal info, DOB - SSN - Address - Email - Previous Address - etc, they found nothing. I called back again and spent another 45 minutes on the phone with a different Rep. Again having to provide ALL my personal info, only to be told... they can not find me. At this point I was able to talk to a Supervisor who - after " running me '' AGAIN, admitted he could not " find me '' and had " no idea '' why my info was pulled. I asked him to provide me a letter stating that, and he denied that request because " I still could be in there ''. He referred me to " XXXX and XXXX '' and I emailed XXXX at her request after I was able to speak with her. The email was sent to ConsumerAffairs@icsystem.com on Sat, XX/XX/XXXX, XXXX. She said : " Dear XXXX XXXX : Despite our best efforts we have been unable to identify any account in our system that matches the information provided. Our recommendation is that you dispute the inquiry with your credit bureau. That will require the credit bureaus to contact IC System to verify the inquiry. This communication is from a debt collector. 

Sincerely, Consumer Affairs XXXX XXXX  XXXX XXXX XXXX XXXX, MN XXXX I called XXXX and they said I had to have IC SYSTEM contact them to remove it. IC SYSTEM refused to do so.
Consumer complaint received 2019-10-02
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (PA)

I attended a number of colleges and apparently XXXX from University of XXXX which I still do not believe. I owe XXXX in student loans. I have both private and federal loans. I have asked Navient a number of times to forgive all my loans and was told it's in s program which I am only paying interest on my private loans. I am in low income housing, had to apply for medical assistance, food stamps, and not in my career. I question the value of an education, these colleges, and why the Department of Education is handing out all these loans.
Consumer complaint received 2019-04-04
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. (TX)

XXXX and Transunion are reporting incorrectly that I am 30 days past due on the XXXX XXXX partial account number XXXX. ( Please see page 23 of the attached credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2019-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: ProCollect, Inc. (DE)

Been trying to reach company since 2015 to gather information about my account. Was told account is restricted and I couldn't get any information unless I contact supervisor via email. I submitted emails to supervisor and recieved one call when I was in the dr office with my son. Asked if they can return my call in an hour. Never got a response or call back. Sent another email just 4 days ago asking for item to be removed from credit report.still no nee email.
Consumer complaint received 2019-09-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This complaint is regarding XXXX  XXXX account XXXXxxxxxxxxxx appearing on Transunion and XXXX  credit bureaus.The account should be deleted today upon receipt of the proof attached.There have been multiple disputes without remedy by either bureau.Both bureaus possess an FTC identity theft report that neither bureau reacted by blocking the information.Transunion sent a letter and CFPB response to CFPB XXXX-XXXX, basically accusing me of either being mistaken or a liar or a thief.Transunion will find TODAY that " the shoe is on the other foot '' and that maybe it is Transunion who are mistaken ... .I have attached the XX/XX/19 letter. 
These are the facts : I experienced a fraud where some unknown entity used my card to buy steroid using muscle building products.I complained to XXXX   XXXX.Over time, XXXX XXXX removed every fraudulent charge and all fees assessed by XXXX  XXXX and adjusted the balance to XXXX. 
I have never used the card for anything. 
Yet XXXX XXXX employees, reporting credit, have held me accountable for late payments on charges I never made or paid for and products never received.The statements showing all charges and fees adjusted to XXXX by XXXX XXXX are attached. 
Transunion would doubtfully survive legally and XXXX  as well with doing nothing less than an immediate deletion of this account as XXXX recently completed. 
VERIFIABLE PROOF IS ATTACHED THAT PROVES THAT THE CREDITOR XXXX XXXX AND BOTH BUREAUS, XXXX AND TRANSUNION ARE INCAPABLE OR UNWILLING TO ABIDE BY THE FCRA.
Consumer complaint received 2019-10-02
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. (GA)

After reviewing my reports. I noticed several accounts fradulent on my credit report. I have contacted all companies listed on my FTC report and they still fail to remove these fradulent accounts off. Please delete these accounts immediately.
Consumer complaint received 2019-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CAPITAL ONE FINANCIAL CORPORATION (IA)

I paid off a judgment years ago, Capitol One never released it with XXXX XXXX County, Iowa and I am now unable to close on a house that I am trying to purchase. I spoke to Capitol One on XX/XX/2019 and Capitol One keeps telling me it is in " legal '' and they don't have a telephone number for legal. 

I really need to close on my house and the bank won't lend the money because of this old judgment that I paid off long ago. 

Someone told me it appears that Capitol One is possibly doing this as part of its strategy to fight a bankruptcy ruling where it was sanctioned : https : XXXX I hope this is not true, I just want to close on my house.
Consumer complaint received 2021-04-01
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (NJ)

Comenity Bank closed my account without my knowledge. They send frequent emails regarding sales, so communication obviously isn't an issue. 

To my shock and horror, I received an update that my credit score dropped, putting me in the red. I worked so hard to build my credit and they destroyed it. All the company had to do was send an email notifying that the account would be closed due to inactivity.
Consumer complaint received 2019-04-04
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. (VA)

XXXX and XXXX XXXX XXXX XXXX made a mistake on the credit report and placed two hard inquires on our credit reports and XXXX will not remove it they do don't believe me. 

I have given them a the letter XXXX XXXX   XXXX and still they do not believe me. They need to be removed. It has hurt our credit more than 15 points. 


XXXX XXXX from XX/XX/19 and XX/XX/19 they are not and they have admitted to the mistake and the letter is included.
Consumer complaint received 2024-02-07
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. (TX)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. 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. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.
Consumer complaint received 2018-01-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (TX)

I recently tried to purchase a vehicle and noticed I had several credit cards with outstanding balances. I have never taken out a credit card. I am currently a victim of identity theft. I have called several of the banks with outstanding balances and have closed some. ( so they say ) Accounts range from XX/XX/XXXX to  XX/XX/XXXX. that would mean someone has been using my social since I was the age of XXXX. 

Originally XXXX XXXX then sent to resurgent ( 3rd party debt collector ) amount due : {$2000.00} date opened : XX/XX/XXXX I was XXXX in this year I have never received a call, email, or mail from them because they never had my real information until I contacted them early XX/XX/XXXX. 

XXXX amount due : {$2400.00} date opened : XX/XX/XXXX I have never received a call, email, or mail from them because they never had my real information until I contacted them early XX/XX/XXXX. 

XXXX ( 2 accts ) amount due : {$0.00} date opened : XX/XX/XXXX ( XXXX yrs old ) amount due : {$530.00} date opened : XX/XX/XXXX I have never received a call, email, or mail from them because they never had my real information until I contacted them early XX/XX/XXXX. 

XXXX XXXX XXXX amount due : {$1400.00} date opened : XX/XX/XXXX have never received a call, email, or mail from them because they never had my real information until I contacted them early XX/XX/XXXX. 

I have called the 800 # s of these banks none of them had my actual personal information and I was told that there is an authorized user on them. 

address discrepancies contact info discrepancies age discrepancies
Consumer complaint received 2019-10-02
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: American Elite Recovery, LLC (WA)

Recieved a call from a Miss XXXX  on XX/XX/2019. She said she was from American Elite and Associates. I've not heard of this organization and asked to not call me again since you don't leave a message. I immediately received another call only with a different caller ID. Miss XXXX  left me a message, but my voicemail does not have my name or voice on the message greeting. This is a violation of FDCPA rules since she said it was regarding a legal matter and to have my legal representation return her call. She did not know the recipient of that phone number was me or could only be heard by me. I called her back and asked for her company name and address. She didn't give me anything but said she could provide a PO box . She then asked who I was, and I responded with again asking for the company name and address. She then hung up on me.
Consumer complaint received 2020-12-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (AL)

I received a notice in the mail from XXXX XXXX XXXX XXXX. Attempting to collect a debt of {$670.00} to Synchrony Bank, for my Paypal account. I have contacted Paypal and Synchrony Bank. Both agree that I do not owe any such amount for any paypal credit ( billmelater ) account because my application was declined.