davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

TransUnion reported that I had Serious Delinquency to a lender that was used to deny me credit in XX/XX/XXXX and XX/XX/XXXX and my credit report does not show any delinquency. 
When I called TransUnion to address the issue, their prompts only stated that my free report is on its way.
Consumer complaint received 2020-07-30
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: Bread Financial Holdings, Inc. (NY)

Recently, I received a copy of my credit report and found several inquiries and accounts on my credit report that were not opened by me. I don't have any knowledge of these accounts being open. They were opened fraudulently. I understand that under federal law, ( the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the Fair Credit Reporting Act. 
Respondent, please have the following inquiries removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.
Consumer complaint received 2018-05-08
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CA)

Hello, I am writing to you because I am extremely dissatisfied with Navient. Everyone I overpay, my percentage goes up. It is now up to TEN percent. Close to a 2 % increase just within the last year. 
I have been making payments and trying to catch up, as if 8.25 % wasn't bad enough. These are student loans, not credit cards. Double difficult territory should be forbidden. Some companies don't even pass 7 %. I wish I had more knowledge when I applied out of highschool a decade ago. 
I called them about a year ago, stating that I have been a long time customer and I would like to have my percentage lowered. They said that there is nothing I could do and that rates were set by the lender ( which is you, hello? ). 
Frustrated, I started to overpay to try to dwindle the loan down a bit. I have had economic hardship for the last several years before I called them due to raising a son alone and not working full-time to be there for him more. Finances are important but I won't slave away just to pay some company faster. 
I have done what I can. I have received offers for refinancing but it's been difficult trying to swap with my employment being scattered. 

I would like to sue Navient for increasing my percentage, not recording my last payment until way later ( have an email about this ), poor communication, a messy and hard-to-follow website, ride customer service representative, lack of compassion for the graduate, losing my cosigner release application, and for not listening to my needs. 
At the very least, I would like a fixed percentage of 7 % ( refinance ). 
Please help!
Consumer complaint received 2018-07-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (NY)

XXXX  XXXX XXXX has been sending me a collection bill in the amount of {$750.00}. They have alleged that I owed XXXX XXXX XXXX that amount. They are claiming that this account was opened in XX/XX/2016. That is further from the truth because I have been a loyal customer of XXXX for many years and prior to XXXX, I was a loyal customer to XXXX. I have been going through this for years! These scavenger collectors illegally try to collect on a debt that I don't owe. They re-age this alleged debt and it pops up on my credit report. This is unacceptable!
Consumer complaint received 2023-03-28
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: U.S. BANCORP (WA)

One of my credit monitoring services reported a new inquiry on XXXX from : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ND XXXX This was not requested by me or approved by me and did not appear on any other other bureaus ( XXXX, XXXX ). A few weeks prior I had another alert about an inquiry from : XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX Which was similarly not me. I was able to contact the latter and they called XXXX and removed the query and reported fraud. I have been unable to contact the former one, as the phone number provided appears to be mine, not theirs. 

I called XXXX and they said that I needed to mail them a letter requesting removal of this query, along with a copy of my ID and a FTC report. I am filling this out to get an FTC report and I sure hope it is the right form. 

I put credit freezes and fraud alerts across all three credit bureaus.
Consumer complaint received 2021-06-03
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

I sent a letter to you disputing this item was erroneous and fraud on XX/XX/2021 and mailed them. I received notice in the mail that you received the dispute letter. It is now XX/XX/2021 and I have not received a response from you. You have not complied with the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ),
Consumer complaint received 2018-05-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (AL)

Dear Amshercollectionservice After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in XX/XX/2015. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. 

Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 

Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof.
Consumer complaint received 2020-07-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (FL)

I have an existing mortgage with US Bank home mortgage ( based in Minnesota I believe ) and have been trying unsuccessfully for almost two weeks to get a payoff balance so I can extinguish the mortgage. Repeated phone calls get me passed from one person and department to another with no one able to provide me an amount or an address to send payment to. Promises of return information by email or phone have gone unfulfilled. Interest is continuing to accrue and I want to pay off this mortgage now.
Consumer complaint received 2018-04-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (MA)

I opened a Delta Skymiles Credit Card with American Express in XX/XX/XXXX.  A promotion was offered of XXXX Skymiles upon using the credit card for {$1000.00} in purchases which was achieved in XX/XX/XXXX. 

It was discovered in XX/XX/XXXX that Am Exp issued a second Skymiles account for me ( in addition to one that Delta already issued ), and Am Exp merged the Skymiles account at the end of XXXX in order the the bonus of XXXX miles to be awarded properly. 

Am Exp is now telling me that I the problem getting the XXXX Skymiles is a problem with Delta, not with Am Exp. I can not get Delta on the phone ( over 2 hour wait for a call back, and they never call back ). It seems to me that if Am Exp is a partner with Delta, they should be able to work out whatever process issue they are  having to get the XXXX mile awarded.
Consumer complaint received 2021-06-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc (PA)

On XX/XX/XXXX I sent a letter to Hunter Warfield because they appeared on my credit. They did not respond to that letter with validation of the debt until XX/XX/XXXX. They are not the credit bureaus, they do not have 35 days to respond to a dispute like the credit bureaus do. They have 30 days from the date of the request for validation as per the FDCPA. They have different reporting guidelines because they are the account reporter. IF they could not provide validation to me within 30 days of the request, as the laws states. They must both remove the account and cease and desist all collection activity. They have violated the FCRA and FDCPA and I want Justice
Consumer complaint received 2018-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX CREDIT CARD # XXXX ( XXXX XXXX XXXX ) XXXX XXXX CREDIT CARD # XXXX ( XXXX XXXX ) XXXX XXXX XXXX CARD # XXXX ( XXXX CARD ) XXXX XXXX CARD # XXXX ( XXXX XXXX ) XXXX CREDIT CARD # XXXX XXXX XXXX XXXX # XXXX XXXX   CREDIT CARD # XXXX ( XXXX CARD ) 2 THINGS THAT NEED ATTENTION ASAP. ( CORRECTION ) 1ST : DO NOT OWE NO $ TO NONE OF THE ACCTS ABOVE.

2ND : EACH ABOVE ACCTS NEED TO BE REPORT TO EACH CREDIT BUREAU.

( ALL 3 CREDIT BUREAU NEED TO MATCH CREDIT UTILIZATION )
Consumer complaint received 2022-06-15
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. (OR)

In accordance with the Fair Credit Reporting Act U.S. DEPARTMENT OF EDUCATION Account # 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
Consumer complaint received 2022-07-22
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: Experian Information Solutions Inc. (WA)

on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.
Consumer complaint received 2018-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CHS, Inc. (VA)

XXXX XXXX XXXX has reported open accounts in collections on my credit report that should have not been. All bills from XXXX where on hold by my attorney pending a lawsuit and all have been paid in full.
Consumer complaint received 2021-06-03
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: Experian Information Solutions Inc. (FL)

I have been dealing with ID theft for over 5 years with your company I am constantly receiving letters back for disputes stating that, I need to contact the creditor to have this information disputed or the creditor may not know how to contact me for the ID theft, I have contacted each company and they advise to contact me to contact the credit reporting agency to file a dispute. I have field complaint earlier and response was for me to submit a dispute and yet again I did that and received the same exact information I have got for the last year, this is at a point where I am going to file a civil lawsuit against your company, if I can not have corrected. I have provided police reports number or times ID theft information number of time and will provide again today. 

If this can not be corrected I will file suit. this is countless hours or working with your company and getting no where. I have worked with XXXX  and XXXX  and it took me less than 120 to get everything fixed and correct. I call your company and can not reach a live agent to help me.
Consumer complaint received 2021-10-20
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (NY)

made 2 large deposits in a new savings account and then I went to make 3rd deposit in the same account and it did not total to the correct amount that should be in my savings account. When I brought that to the tellers attention the teller advised me that there was a discrepancy in my account and she verified that it was {$1000.00} off. So the teller took me over to the bank manager she looked into the account and said it looked like my account had been hacked or fraudulent activity. I was advised that the bank was going to look into this matter and they would credit my account for the funds that were taken out of my account ( fraudulent ) .I have spoken to the chase bank manager XXXX and she advised me that my account should have been credit by now. I since received a letter from Chase bank stating that they were not going to credit my account because the letter states I benefited from this account. I believe every time I make a complaint about chase on my accounts they give me a lame excuse about my account and they can not prove how I benefited from this account and they will not show me who hacked my account and how the amount was distributed to me or whoever.
Consumer complaint received 2023-03-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/2023, I paid off the full balance on my Capital One Quicksilver card, ending in XXXX. Three days later, on XX/XX/2023, they charged {$43.00} in interest to the prior balance that had been paid off. It is important to note that when I paid off the balance, there was no indication that interest would be charged after the fact, or any notice of what that interest was so that I could have chosen to pay off the interest at the same time. 

I had an identical issue with XXXX, and when I spoke with their representative, they removed the interest charges. Today, XX/XX/2023, i called and spoke with a rep at Capital One and explained what had happened. I was placed on hold and ultimately told there was nothing they could do. I advised that there should have been an option to pay off the balance plus any accrued interest at the time i had made the payment and that there was no indication that any additional payment would be needed. 

I have several cards with Capital One, all of which were paid off on the same date and this is the only card that had interest applied thereafter. 

I am simply asking that they remove the interest charge, applied to a {$0.00} balance, of {$43.00}, regardless of when that interest accrued. If the policy is that this interest be paid, then the system should offer the option of including any accrued interest when you pay off your balance. The screen clearly stated that I was paying off my full balance when I made my payment of {$1900.00} on XX/XX/2023, and that was clearly inaccurate information and misleading.
Consumer complaint received 2022-06-15
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. (DE)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XXXX XXXX Account # 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 an account without my written instructions
Consumer complaint received 2020-06-05
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. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Consumer complaint received 2021-06-03
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 — Investigation took more than 30 days
Company: Resurgent Capital Services L.P. (FL)

I have filed a dispute in regards to the items on my credit report, it has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2022-07-23
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. (RI)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # 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
Consumer complaint received 2021-10-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: American Student Assistance (OK)

My student loans have been sold more than once. XXXX XXXX XXXX XXXX is a collection agency for American student assistance. They have me owing XXXX. I did not borrow that much money. They have the principal at XXXX did not borrow that much. They have the interest as XXXX. Collection cost XXXX. I do not have a problem paying back what I borrowed but these fees are outrageous. I recently made arrangement to pay XXXX $ a month but I have had some changes in my income. I have tried repeatedly to contact them and never get an answer, just a voice mail I leave my name and number and why I ', calling and if they do call me back they never leave me a message. I received a letter XX/XX/2021 about the matter and said for me to call. I did and got the same no answer. I'm afraid they are going to Garnish my pay and I can't afford that.
Consumer complaint received 2021-06-03
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MI)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-07-23
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. (RI)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # 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