davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-02
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. (NY)

THE DISPUTED ACCOUNT DOES NOT BELONG TO ME. IT IS CAUSING SERIOUS DAMAGE TO MY CREDIT REPORT AND I WOULD LIKE FOR THE NEGATIVE ACCOUNT TO BE REMOVED OFF MY FILE. PLEASE LOOK INTO THIS MATTER FOR IT HAS HINDER MY REPORT.
Consumer complaint received 2017-12-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY (MD)

It 's now been more than six months since we asked XXXX to close the account and refund the annual fee plus the credit amount due on the account. We have filed a complaint with CFPB about the annual fee, specifically how hard they made it to close the account. Not only did they not refund the annual fee, they have been kiting the credit amount due. every month we get a statement showing a credit balance, but never a check to pay it back. 

We are considering small claims court for recovering the annual fee, maybe we will include the credit balance in the same suit.
Consumer complaint received 2020-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TN)

I need the fraud alert on my Experian credit report removed. I have requested that is be removed and have not had any success. I am including in this complaint all of the identification Experian says they require to remove a fraud alert. Items attached to this complaint are a copy of my photo ID, my social security card and proof of my address.
Consumer complaint received 2019-11-16
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to turn you in to immigration or deport you
Company: National Credit Systems,Inc. (NV)

They are threatening me that I have to pay XXXX dollars that I do not owe for rent of an apartment that I do not rent and I also went to investigate at the address of XXXX  apartments and that company does not exist attached photos of the business there is called renew.
Consumer complaint received 2017-12-19
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN HONDA FINANCE CORP (TX)

On XX/XX/XXXX, my younger brother XXXX XXXX XXXX XXXX in a car accident. The car that he was his own XXXX XXXX. The car was on a lease that I co-signed on. After the accident, the insurances that were involved paid off the balance of the car except for the deductible. We together signed the lease in XX/XX/XXXX in XXXX TX. In XX/XX/XXXX had moved away to XXXX. After the accident, Honda did not update my address to the XXXX address and was still sending letters to XXXX. Hey knew my new address because they were calling me non-stop at first when they were trying to collect on the insurance money and I had told them that I had moved to XXXX and gave them my new address. After Honda got most of the money owed to them from the insurance companies involved in the accident, they sent a delinquency letter my old XXXX address asking for the deductible that was still owed to them. Of course I never received that letter since I had moved away from XXXX. Then after some time, they sent my account to a collections agency by the name of XXXX XXXX XXXX. On XXXX XXXX of XXXX, the collections agency reached out to and asked me to pay the balance of {$270.00} and offered to settle for {$160.00}. On XX/XX/XXXX I paid the settled amount with the understanding that this would be taken off my credit report. Please see the collection letter and well as the resolution letter attached below. Also please see XXXX report snapshot below showing I do n't have anything due in the collections portion of the credit report. But even after I have paid and settled with XXXX XXXX XXXX, XXXX XXXX XXXX chooses to report my account as charged off and failed to pay after the settlement that. Please also see my credit card statement attached showing the settlement payment being drafted on XX/XX/XXXX from my XXXX XXXX account. When I went to my bank and applied for a business line of credit I found out my credit score had taken a hit. Then when I looked on my credit report I found out Honda had reported my account as charged off even after they I paid and settled as best I could and they knew where I lived, When I called XXXX XXXX XXXX they told me that I still owe approximately {$110.00} dollars to be settled in full with them. This was news to me because no one including XXXX XXXX XXXX told me I still owed any money. Instead, they told me everything was taken care of. I am willing to pay the {$110.00} but XXXX XXXX XXXX said that even if I pay that amount, the charge-off status will remain on my account for historical purposes. So even under such tragic circumstances and for such a small amount when clearly they sent letters to the wrong address after knowing my current address, XXXX XXXX XXXX is unwilling to take the charge-off status off my credit report. And that is why today on XX/XX/XXXX I would like to file a dispute against them.
Consumer complaint received 2021-02-03
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (NY)

This was a private loan my school took out to help me pay for school. I spoke to Sallie Mae about this loan because my student loan look different. Sallie Mae told me did you realize you have a private loan. I paid the loan in full. The company who the loan was with the name XXXX XXXX XXXX XXXX XXXX XXXX. This loan was taken out in XX/XX/2007 name XXXX XXXX student loan business. The school was XXXX XXXX that took out this loan.
Consumer complaint received 2021-02-03
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. (PA)

Unfortunately I do not have specific dates but I have time frames. Several times in XXXX, XX/XX/XXXX and XX/XX/XXXX, I have contacted Experian credit bureau to dispute the inaccuracy of XXXX mortgage displaying on my credit report as open with a balance. I have also contacted the mortgage company and they informed me that they sent updates to the credit bureaus back in XX/XX/XXXX which is when the mortgage was satisfied. I also sent mortgage satisfaction documents to the credit bureau and they are refusing to update the credit report.
Consumer complaint received 2019-11-16
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: DISCOVER BANK (VA)

I tried to work with the credit card company Discover, but they wouldn't work with me on what I could afford due to not working while fighting XXXX, now they call me from some bogus phone number and want me to call them, they call me every single day at least once sometimes several times. I've told them that my situation hasn't changed and that as soon as I can do something to begin payments I will contact them but they are still calling every single day.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AZ)

I requested accounts to be verified and validated, report had many ND ( NO DATA ) sections, shows dates that contradicted other data. I disputed : XXXX XXXX XXXX XXXX XXXX Account : Inaccurate Balance : The balance reported is {$2800.00}, which does not match my records. Please verify the accuracy of this balance with supporting documentation from XXXX XXXX XXXX XXXX XXXX. 
Incorrect Status Update : The status was last updated in XXXX XXXX However, the payment history shows continued reporting of derogatory marks beyond this date, which is contradictory. 
Lack of Verification : As required by the FCRA, you must verify the accuracy of this informationfurnisher of the information. If the information can not be verified, it must be deleted from my credit report. 

EXPERIAN completed the dispute one day later stating all was verified and no changes were made
Consumer complaint received 2021-02-03
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (TX)

Received settlement offer {$9500.00} on XXXX paid in full and now they are saying I didnt which is not correct. They have a collection company calling me and they need to stop and i want a letter saying the two loans were settled in full. They are saying payments of {$1100.00} and {$1700.00} were rejected by my bank. These numbers are random and not anything i paid .. see attached cancelled checks account # XXXX Loans ending in XXXX and XXXX XXXX {$1500.00} paid XXXX {$1500.00} paid XXXX {$1500.00} paid XXXX {$2400.00} paid XXXX {$2300.00} paid XXXX {$200.00} paid
Consumer complaint received 2019-11-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (TX)

This complaint is about charges made to Discover credit card no. ending in XXXX. InXX/XX/XXXX my wife and I changed banks from which our credit card bills were debited- from XXXX  XXXX XXXX to XXXX XXXX . Discover was notified on their website of this change and also a change to Discover credit card no. ending in XXXX. Discover made the change on XXXX but tried to debit {$3000.00} from XXXX  XXXX XXXX for XXXX from which we had reduced funds that would have covered that amount. We added funds back to XXXX to cover the amount. Discover then debited {$3000.00} from both bank accounts for the same month. Discover subsequently credited one of the charges. But, on XXXX Discover made a charge on XXXX for " ACH Funds Transfer Reversal '' of {$3000.00}. After examining the bill for XX/XX/XXXX to XX/XX/XXXX and finding this charge, I called Discover on XX/XX/XXXX. The Discover associate acknowledged that an error had been made and we would have that amount credited back to our XXXX XX/XX/XXXX account. No credit occurred. On XXXX XXXX I called Discover again to ask about the credit and was told it would be credited. No credit occurred again. On XX/XX/XXXX, I called Discover again and was told that the above amount had been sent to our account at XXXX on XXXX XXXX. Contact with the bank showed no deposits had been made for that amount to any of their checking accounts. Discover so far has refused to credit the {$3000.00} that we are owed. We need help in resolving this matter.
Consumer complaint received 2017-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (MA)

On XXXX XXXX, XXXX XXXX has listed a hard inquiry on my credit report from discover card. I tried to contact them via phone and computer website will not load and i would be on hold until call is droped.
Consumer complaint received 2022-04-27
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. (CA)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, 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. 


XXXX  XXXX XXXX XXXX Last reported XXXX XXXX, XXXX  {$310.00} Open balance XXXX XXXX XXXX Original creditor XXXX XXXX Last reported XXXX XXXX, XXXX  {$250.00} Open balance XXXX XXXX XXXX Original creditor
Consumer complaint received 2020-09-05
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. (MO)

The following accounts are fraudulent accounts inwhich has mentally and emotionally taken affect on me. In addition the 3 major credit reporting agencies are reporting these accounts without physical documentation. I'm now demanding the Method of Verification inwhich was used in the process of the investigative matter of these accounts. I'm demanding the name and title of the investigator. Also what method was used, tlphone, fax, XXXX XXXX, etc. If you nor your companies can provide this information then please remove and block these accounts immediately. 

1 ) XXXXXXXX XXXX  {$190.00} 2 ) XXXX XXXX XXXX XXXX 3 ) XXXX XXXX 4 ) XXXX
Consumer complaint received 2020-11-21
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: Experian Information Solutions Inc. (MI)

Charged immediately for a 30 day trial, brought to their attention, they changed dates of new membership to keep the {$24.00}. I disputed them & was transferred, never assisted. Went thru XXXX XXXX  XXXX but they made exception, received Credit back.They stated I was on the dark web, my account was being used in a different pattern actually as I use my XXXX  to spend then transfer funds from checking and pay off XXXX maybe more than once a month. Also I mailed & texted proof of medical/XXXX  bill, not mine.Unsure that's been removed.Seemed as though they would create a questionable issue with the intent to keep me a member. My bureau wouldn't warrant their expense. Bad biz practices & i disputed their performance.
Consumer complaint received 2019-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (WI)

I have sent in multiple certified letters about a bankruptcy that they are reporting inaccurate information on my report I have ask for them to send me a method of verification to show proof they continue to state that XXXX XXXX is verifying the information which is a violation because they have to get it verified thru the original handler which would be the us bankruptcy court. so they are already in violation and refuse to send me a real validation and that is my right.
Consumer complaint received 2017-12-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BB&T CORPORATION (SC)

Let me first say that I have been a BB & T customer for many years, Mortgage, checking, savings, etc. accounts. On Saturday, XX/XX/XXXX, my husband and I went to the bank to add my adult daughter 's name to our account. Prior to this date, she was not on any of our accounts. Today, XX/XX/XXXX, I check my account only to find a forced debit of {$270.00} which was due and owing on the account of XXXX ( my daughter ) and her partner ( XXXX ) for and account opened some years prior. Obviously, I 'm upset because we only added my daughter 's name because we felt like we needed to have someone else 's name in case of an emergency. Now had we known that this would cost us their bill, we would have reconsidered. Given that we only added her this month XX/XX/XXXX, we feel that it 's unfair to penalize us for their poor banking practices. How often does this happen to others?
Consumer complaint received 2021-02-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (PA)

Extremely disappointed in Discover. I made a purchase on XXXX on XX/XX/2020 for an item coming from XXXX XXXX. I paid through XXXX which was linked to my Discover card. According to the tracking that was provided by the USPS - the item was delivered on XX/XX/2020, however I never received the item. It was not left anywhere on my property or with my neighbors etc. I called the USPS and they said that because the package originated in the XXXX - that they could not open a case it would have to be done by the seller and the international post. I reached out to the seller and she never responded, even when i had requested that the item e delivered with a signature required. I submitted a claim with XXXX who denied it because the tracking says the item was delivered, and that I should dispute it with my credit card company. I submitted a claim with Discover - for the purchase of the item and the shipping, and Discover subsequently denied the claim as well based on the USPS tracking number. I even reached out on multiple instances, and when I submitted the claim I explained that the tracking says delivered but that I did not receive it, to which I was assured that I would not be responsible for an item that I did not get. I understand that there are issues with the USPS and being delayed etc, however why should I be responsible to pay for an item that was over {$300.00} that I never received? They just saw what USPS tracking said, and that was it. I guess I paid a lot of money for a USPS employee to steal my item, or a porch pirate, but I think that there should be much better protection for a consumer in this instance. Especially during a pandemic, when times are hard as it is. I just find it extremely disconcerting that Discover would leave me with this financial burden.
Consumer complaint received 2021-02-03
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: Experian Information Solutions Inc. (TX)

I have complained with the Credit Reporting Agencies ( CRA 's ) regarding the FCRA requirements that the CRA 's investigate for completeness and accuracy. The CRA 's reply on all complaints that " they will enter my dispute into their system and review all information ''. This isn't an answer but a way they blow off complaints and look like they are doing their job..
Consumer complaint received 2019-11-16
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC. (WA)

I HAVE 2 LOANS WITH ALLY FINANCIAL. THEY PUT IN LOANS WITH RATES HIGH, AND TERMS WERE NOT DSCLOSED TO ME CLEARLY. THEY PREASURED ME IN TO BYING A SECOND CAR. 

I RECENTLY GOT BE HIND ON BOTH LOANS DUE TO A COURT BADLE ON MY CURRENT JOB AND HARRASMENT. 

THE INCOME PROVIDED WAS NOT ENOUGH FOR THE LOANS TO BE MADE TO MAKE THE PAYMENTS YET THE DEALER AND LENDER PUT ME IN THE LOANS KNOWLING KNOWING MY SITUATION AND OVER PRICING THE VEHICLES AND SOWING THEY GAVE ME HIGHER AMOUNT ON MY TRADE IN.

I GOT 4 PAYMENTS BEHIND ON MY VAN PAYMENT ABOUT {$400.00} A MONTH, CURRENT BALANCEAST DUE IS {$1600.00} AND BORROWED 3 PAYMENTS IN AMUNT OF {$1200.00} FROM MY BEST FRIEND, LEAVING 1 PAYMENT ON MY XXXX  XXXX XXXX. 

THEY SAID THEY ARE STILL REPOING MY VAN WITH 1 PAYMENT DUE. WHICH IS ONLY DUE NOW AND NOTLATE.

I FEEL THEY ARE DISCRIMIATING ON ME AS A SIGLE XXXX  MOTHER OF XXXX.
Consumer complaint received 2022-04-02
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)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-02
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. (GA)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-02
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. (CT)

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