davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-07
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)

Multiple disputes have been filed in which they continuously come back as verified, Ive requested the method of verification in which they have not provided. Upon calling today to inquiry about results that had not come in, and file dispute on fraudulent inquires, I was denied that right by the representative, as well as told look at the website, it states how public records are verified. Public records should only be verified by the source, and I have confirmed from the XXXX XXXX bankruptcy court that they do not verify this to any third parties. Meaning credit reporting companies, or the third party companies that they use to verify. Additionally they claimed three collections from XXXX XXXX was accurately verified, I however received a letter from them stating we can not determine the reason for dispute so theyve listed the dispute as in dispute however Transunion says this was verified? HOW?!? Delete these four items immediately.
Consumer complaint received 2022-07-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Avant Holding Company, Inc. (TX)

I have tried to call the company numerous times. I have emailed multiple times, messaged them on XXXX and posted on their XXXX page. I was advised to message their XXXX XXXX and email them. To which I did and no response. I had a {$0.00} balance and had not used the card in a long time. There are multiple transactions from the week of the XXXX. I want my account closed and removed from my credit.
Consumer complaint received 2022-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX OF XXXX Account # XXXX, XXXX XXXX OF XXXX Account # XXXX, XXXX XXXX OF XXXX Account # 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 2018-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (WI)

Opened account in early XXXX to buy a used car. Got medically cleared to join XXXX and left right away, reporting on XX/XX/XXXX. Never made a payment since leaving for the XXXX. End of XXXX and all of XXXX, company said I made payments of {$0.00}. I never made any payments. After 10 years, they finally claim to charge the account off. This account should have been charged off over back in XXXX. It is not past 10 years and they are still reporting it to my credit report. This is well beyond the seven year mark of reporting. Also they a past the statue of limitations in WI which is 10 years.
Consumer complaint received 2018-08-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have a collection on my Transunion credit report for the amount of {$2100.00}. I do not know what this debt is for, and the collection agency refuse to validate this debt. I have sent multiple requests asking them to properly validate this debt. I am unsure if this is my debt or not. This company refuse to cooperate with me. It is my right to request proper validation and this company has violated it by ignoring my requests. This company is hurting my chances of obtaining the credit that I deserve. It has been almost a year since I sent my first letter to validate this debt. I should not have to suffer because a collection agency refuse to validate a debt. They removed this account from my credit bureau reports then reinserted it on XX/XX/2018, without properly validating this debt. I have yet to receive any correspondence from this company.
Consumer complaint received 2022-07-10
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. (NY)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX  XXXX XXXX XXXXa 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 2022-03-11
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. (FL)

Hello. This complaint is about the unverified late payments in my credit report that I have no idea of. It has been almost a year since i started writing the bureaus, informing them of my situation but it seems that they do not want to take action.
Consumer complaint received 2018-10-21
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: AMERICAN EXPRESS COMPANY (MA)

On XX/XX/2018 I applied for an American Express Premier Rewards Gold Card. Prior to submitting the online application there was a pop-up saying that I was ineligible for the sign up bonus because the system thought I had received this offer previously, when I have not. I called American Express Customer service to confirm that I have never previously received this bonus, and they confirmed to me that I was indeed eligible for the sign up bonus ( XXXX MR / {$2000.00} spend ). The representative claimed that the system improperly marked that I had previously had the card because I was put as an authorized user on my wife 's own Premier Rewards Gold Card. They confirmed that being an authorized user would not  prevent me from receiving the sign up-bonus. After being assured that I would receive the bonus after applying and guaranteed that I would receive the bonus via phone ( XX/XX/2018 ), I submitted my application. After being approved, I Live Chatted with a representative to make sure that the offer was attached to my account. The offer was not attached to my card, and an investigation was opened to resolve the issue. I was told that since I was reassured via phone call ( again XX/XX/2018 ) and guaranteed that I would receive the sign up offer, I should have no issues. I was told to wait a few weeks while the matter was being investigated. 

I have checked back in with American Express Representatives many times in the past month to check the status of the application.Today XX/XX/2018 I checked the status of the investigation again and was told that I was denied the sign up bonus. When asked the reason they claimed that I have misused the offer. I only just opened the card and have only 1 other credit card with them ; I have never misused any offers. When I asked for them to be specific, they were unable to provide any details. They told me that they can re-open the investigation, but I would have to wait 6-8 weeks before I could check back in to check the status of the investigation. When asked to escalate the issue, because I have already waited a month, they insist that they can only have me wait another 6-8 weeks before I can hear back. 

I feel as though American Express business practices are very deceitful. I was promised I would have no issues with the sign up bonus BEFORE applying and the representative said that I would " 110 % receive the bonus. '' After reassuring me to apply, and that I was eligible, my account had no offer attached and now after the investigation they claim that I have misused the offer. When I asked for them to clarify how I have misused their offer, they are unable to provide any specific details as to how I misused their offer. They claimed that they would re-open the investigation and want me to wait 6-8 weeks before they can tell me what they should have already investigated.
Consumer complaint received 2018-08-26
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MI)

-Made final payment on XX/XX/18. 
-Account is now - ( {$67.00} ) and being charged interest on that. 
-Notified Navient and received no correction. 
-Requested letter of stating loan was paid in full ; received nothing. 
-Disputed credit report through XXXX and XXXX for account accuracy. 
-Navient marked loan on credit report as " Closed '' which dropped my score. 
-Have screenshots of payment history showing a {$0.00} balance. Also have screenshots of account with negative balance and interest being charged on that surplus of funds for a paid off loan.
Consumer complaint received 2023-03-18
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

On ( XX/XX/XXXX ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

After reviewing a copy of my personal credit report, I have came across a few inaccuracies. I understand that mistakes may happen, but these types of mistakes are severely damaging to my chance of owning a home, getting a vehicle with a low XXXX or even credit card. I was denied use of my credit recently that brought this to my attention. I have researched the dispute process and I am aware that you must complete your investigation within a thirty-day time frame. XXXX. The balances are in flatted on accounts. XXXX. The date of the Last Activity are inaccurate. XXXX. The date Opened are inaccurate. XXXX. The Closed Date is incomplete on accounts. XXXX. The Dispute Status is incorrect. XXXX. The XXXX XXXX is incomplete and inaccurate. XXXX date of birth is inaccurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was not notified properly of any negative reporting as outlined in the fcra Also I do not or have not done any business or have an open account with any of these people. XXXX XXXX  TransUnion Please take the time and consideration to remove the incorrect information from my credit report, within our economy struggling the way that it is, I can not afford to have inaccurate information negatively affecting my credit score. I will await an updated copy of my credit report to reflect these changes within thirty-day.
Consumer complaint received 2018-10-21
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: DISCOVER BANK (CA)

XXXX is the problem. I am a victim of identity theft. I submitted to them a police report and an FTC Identity Theft Report detailing the fraudulent accounts. 

XXXX  is refusing to remove a fraud account from Discover credit card. 

XXXX is the account number in XXXX and it shows {$4500.00} Both XXXX   and XXXX have followed the law and removed this item after I submitted a police report about identity theft as they should. 

XXXX  will not follow the FCRA and remove and block the item with a police report. 

I then did a credit freeze on my XXXX account. XXXX  responded by notifying me via email that they were raising the price of my account. I believe they are retaliating for me freezing my profile to punish me. I was upset and decided to cancel my account. 

I proceeded to try to cancel my XXXX  account, and ran into more fraudulent activity from them. While my profile online clearly states my membership status, fee and billing date, they do not allow you to cancel online in a convenient way. Their automated phone system would declare that I had no membership and would hang up without letting me cancel. I called several numbers listed on their website and always was directed into a dead end automated system with no human available as an option. They do this to prevent you from being able to cancel and keep billing you. I finally had to choose an option about a child and identity theft in order to get to a person, and it was a person in an office in XXXX XXXX named XXXX who finally was able to cancel the membership for me.
Consumer complaint received 2018-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Eagle Accounts Group, Inc. (CA)

XXXX XXXX Child Support is charging me childsupport FOR NO REASON WHEN MY DAUGHTER IS LIVING WITH ME " NOT THE MOM " I spoke to childservices and they claim that even thoe my daughter XXXX XXXX is Living with me " XXXX XXXX '' that they cant stop or cancel that CS case. also i am a victom of identity theft. i found out someone has been using my SS # since i was a minor. i found this out when i got my first job at XXXX at XXXX XXXX XXXX Ca XXXX
Consumer complaint received 2019-10-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TN)

Loan was paid off on XX/XX/XXXX. Wells Fargo advised that escrow balance plus refund from overpayment of mortgage balance would be received by XX/XX/XXXX. So far nothing has been received from the company. 

Online account says that a check has been issued for {$3800.00} as of XX/XX/XXXX but that amount only includes funds from the escrow account. It does not include the amount overpaid in principle in interested ( estimated around {$1500.00} ). I was told that I would receive one check with both amounts. 

Additionally Wells Fargo continues to pay PMI on this loan after a payoff was received so my escrow balance has been reduced since loan closing.
Consumer complaint received 2018-08-26
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: CITIBANK, N.A. (CA)

Hello my name is XXXX XXXX and I started my first credit card account in XX/XX/XXXX of XXXX with XXXX. I have gained my 2nd credit card in XXXX of XXXX with XXXX. I checked my credit report just recently to see my hard inquiries and come to find out there is the XXXX inquiry which is correct but also come to find out there is a hard inquiry that is much older from a bank or institution that I completely don't recognize. This inquiry ( CBNA ) was made ( XX/XX/XXXX ) even past months before I even started my first credit card account with XXXX. I would highly appreciate you helping me removing this unrecognized inquiry from my credit report. Thank you and may you have a great day. 

Creditor Contact Details : XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX
Consumer complaint received 2017-06-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: BARCLAYS BANK DELAWARE (NC)

This is a debt/judgment that I owe and I am trying to pay ( that was not an option for me to choose on the previous page ).   On  X/X/17    I tried to pay a collection agency  XXXX   XXXX   XXXX  of what I owe from credit card from Barclays bank. I used their website to enter my checking account information. I received a receipt that I made the payment. A week passed and the collections agency did not take the money from my checking account. I called the  XXXX   XXXX   XXXX  to tell them that the money was still in my account and a representative told me that it was ok it took time for the funds to be removed. Another week passed and the funds are still in my checking account. I called again and another rep. told me they received word they could not find my account that is why they could not retrieve the funds. So I asked this Representative that I can pay the debt now and they told me no because my account is closed. The told me I had to cont act Barclays. I called Barclays to see if  could pay them and they told me no too because my account was closed.  XXXX   XXXX   XXXX  told me they would have to ask Barclays for permission to open the account so I can pay my debt. As of today,  X/XX/17    I still can not pay them and I feel like they are playing a game with me. I have never heard of a credit card or collections company that would not take a payment. I am trying to rectify this because I am in in the process of trying to purchase my first home and the judgment has to be off of my credit report.   Also, my credit report says money due is {$2300.00} but  XXXX    XXXX    XXXX  says I owe {$2600.00} that I have been trying to pay. Is that legal they are charging me more?   All I want is to rectify this, pay what I owe so it can be taking off of my credit report. Can you help me?
Consumer complaint received 2019-05-07
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ENCORE CAPITAL GROUP INC. (CA)

Today my partner and I received a letter from our bank about a {$4200.00} hold against oursavings account and an additional fee of {$120.00}. This account was started in his name and all the assets in the account are from him. However I a non-spouse partner was added to the account this year. The debt is allegedly against me, yet there is no debt on my credit report that reflects this amount. Our first information on this is a levy against my partners separate property for a debt not by him, nor evidently by myself according to our credit reports. The letter from my bank only told us the office this came from was in LA, other than that we have been provided no information.
Consumer complaint received 2022-03-11
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. (FL)

Hello. This complaint is about the unverified late payments as well as suspicious transactions in my credit report that I have no idea of. It has been almost a year since i started writing the bureaus, informing them of my situation but it seems that they do not want to take action.
Consumer complaint received 2019-05-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BMO Bank, N.A. (AZ)

I opened a business account with BMO harris because I was starting a new business and they offered {$500.00} for new customers. I had to keep a balance of {$5000.00} in my account, have it for 9 months and make 10 debt transactions. All these things I did. While I had the account my debt card continually didn't work, and I couldn't access my online account. Multiple times I had to go into the branch, met with terrible customer service. At the end of the 9 months I contacted BMO harris customer service to see when the {$500.00} would be deposited. I was told " soon ''. I had to call multiple times with no answers. I was told someone would contact me, or go to the branch to talk to them. Again terrible customer service. I went into the branch where I opened the account. The branch manager looked into the account and said she would call me back. After a week I didn't hear anything so I called her. She said she would call them and call me back. After another week I had to contact her again. She finally said they found I didn't make the right amount of transactions. I showed her I did make the 10 transactions that were required. She said she printed, highlighted the 10 transactions, and sent it back to the BMO harris customer service to review again showing I made the 10 transactions. I checked in for four weeks straight with no update. I had to call her every time, even though she said she would call me. Finally after a few months I called the the BMO Harris customer service line who informed me my account was  closed. I called the bank manager, furious. She informed me that two weeks ago the funds were suppose to be deposited but she forgot to call me. She then called me back after checking with customer service and said they were going to deposit the funds but closed my account due to being inactive. 
My account was only inactive because they took months to get the funds together. All the while not giving me any information or communicating. Not only is BMO Harris have customer service but they made a promise of {$500.00} for opening an account and did not follow through.
Consumer complaint received 2019-03-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION (TX)

Today I was charged an overdraft fee of {$36.00}. Prior to the overdraft my account had {$170.00} after I received a direct deposit and the negative balance was paid. I withdrew {$160.00} from the ATM and was told that this withdrawal caused the overdraft fee, however my account was not in the negative at the time or even today before the fee was applied. In addition to this I was told conflicting information that the fee was due to a transaction from XXXX that went through on XX/XX/XXXX when at that time it was also in the positive. I spoke to a representative and even requested a supervisor to look at my account and reverse the fee but they both affirmed that the fee was not a bank error even though their records cant justify why the fee was charged. 
Lastly I had verbally opted out of overdraft protection a month ago when I spoke to a customer service rep, when I was made aware of their fees and process yet this was not done and they continued to process transactions.