davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion is not doing anything to fix this issue, they continue to ignore this major problem in regards to my account. I have been unable to view, start a dispute, change info. or anything else on my Transunion credit report, and this issue has been going on for months now. When I attempt to log-in to the Transunion website for these tasks, I receive the following message : " We're unable to complete your request online. '' On numerous occasions, spanning from XXXX XXXX to XXXX XXXX, I have reached out to the company to fix this issue, both by phone and on their chat portal. Each time they have responded that they recognize this issue and someone will reach out to me to rectify the problem, nobody has reached out for months now and the problem has not been solved. Transunion does not care and is callously ignoring the problem in a very unprofessional manner, and violating my right to access my credit report. I have a legal right to view my credit report and to dispute items on my credit report and this company is blocking me from doing so.
Consumer complaint received 2020-10-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK (IL)

I made a payment on my Discover Credit Card in XXXX on XX/XX/XXXX of {$110.00} through their automatic payment over the phone, but Discovery Card said they were unable to locate the bank, and the Bank XXXX XXXX XXXX  had not record of being contacted by Discovery Card for any payment Originally after I made the payment for {$110.00}, Discover Card sent me by email a confirmation stating that the payment had been scheduled. 
However, later they informed me when I called to make sure the payment was processed that it did not go through. When I spoke to them about this on XX/XX/XXXX, we determine that their automatic system had recorded the wrong routing number. 
However, a supervisor named XXXX told me that they had to access me a fee for the payment not going through even though it was their automated phone system that did not work properly. Later he said the fee was taken off but for some strange reason my minimum amount due for XX/XX/2020, was {$120.00} instead of {$62.00} as it was in XXXX of XX/XX/XXXX. i do not understand how this happen? 
I want you to investigate how they did not get the correct routing number when I first attempted to pay {$110.00} on XX/XX/XXXX or near that date through their automated phone system. When I paid the {$120.00} on XX/XX/XXXX to an actual live person over the phone that payment went through and was processed! 

On XX/XX/XXXX, I made a payment of {$120.00} twice the amount of the minimum payment, so the minimum payment for XX/XX/XXXX should have been {$62.00}, but XXXX the supervisor I spoke to said the minimum payment had went up to {$120.00} because the attempted payment of {$110.00} did not go through as a result of their automated phone system not recording the correct routing number for my bank XXXX XXXX XXXX. 
This did not make sense, and needs to be investigated!!!
Consumer complaint received 2024-02-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I am writing to address the inaccurate reporting of balances on the following accounts in my consumer file. Also, the XXXX XXXX - XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furthermore, regarding the bankruptcy XXXX XXXX XXXX Reference : XXXX, the reported information is inaccurate.
Consumer complaint received 2023-04-04
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: Experian Information Solutions Inc. (NC)

Greetings, I have been contacting the 3 credit agencies about some accounts which were not created by myself or anyone I know reporting on my credit reports. 

I've sent all the documents they have requested to do a proper investigation and sent it by certified mail each month for the last 3 months and they still have not removed these fraudulent accounts which were not created by me. Every time I call and reach out to ask about the investigation, the company says they have either not received my information and I need to resend it, or they just do not respond to the investigation entirely, and I am fed up because this is hurting my ability to obtain credit and move on with my life. I am trying to get these accounts removed because they are not mine. Here are the details of the disputes I have submitted. 

I sent my last round of disputes by certified mail on : XX/XX/2023 for XXXX XXXX and XXXX  XXXX XXXX XXXX and several inquiries for credit which I did not commit.
Consumer complaint received 2020-10-19
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY (VA)

This has been ongoing with Bluebird American Express, which is a prepaid card through American Express. I have had this card since XXXX and have never had a problem with this card until the past 12 months or so. The problem with Bluebird American Express has resulted in me making numerous phone calls to them about them taking excessive amounts of money, most times allotted for other pending transactions and Bluebird American Express customer services getting smart with me, the customer, because they can and no one is monitoring or controlling their conduct. Recently, on XX/XX/2020, I made a purchase of {$82.00} and Bluebird American Express deducted {$89.00}. Again, this has been an ongoing problem with numerous instances of them continue doing this with 90 % of the transactions on my prepaid card with them. Another example is the transaction dated XX/XX/2020, with XXXX XXXX 's XXXX XXXX for XXXX. I had a balance of {$77.00} which was more than enough to cover the {$71.00} balance for the transaction. Bluebird American Express took it again upon themselves to deduct the entire {$77.00} balance for XXXX XXXX  's XXXX XXXX. When I contacted Bluebird American Express about this practice on an earlier date, Customer Service told me that they were instructed to take out extra money by XXXX. When I contacted XXXX, they informed me that they have never asked Bluebird American Express to take out more than the amount of the transaction, which means that Bluebird American Express has been lying to me and potentially other customers. Secondly, when I addressed this situation again on XX/XX/2020, with Customer Service, they attempted to explain their practice, which has no excuse. As I explained to Customer Service, their practice of taking out more than the amount of the transaction is potentially causing customer 's transactions not to clear. Finally, I informed Customer Service that I have received no email or document stating that this is their practice or that there has been a change in their practice. I requested to speak with his supervisor, he put me on hold for an extended period of time, never returning to the phone or with his supervisor which resulted in me hanging up the phone. 

This must be investigated and corrected. I know nowhere where it is appropriate to just take out astronomically amounts of money or the entire balance of a card and for all transactions.
Consumer complaint received 2020-10-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (GA)

We got a loan modification through XXXX in 2012 with our mortgage company AHMSI, now the mortgage company is XXXX XXXX. We thought we received a principal reduction modification loan it turns out we received a an interest reduction loan with a balloon payment do at the end of the loan. We were tricked. Want to receive what I was promised. That was a principal and interest reduction loan with no balloon payment at the end. We feel like we have been victimized again by our loan company. Can you help us resolve this matter?
Consumer complaint received 2021-11-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Strategic Alliances, Inc. (CA)

I rented a car from XXXX on XX/XX/XXXX XXXX, someone came and hit the car on on XX/XX/XXXX in XXXX XXXX XXXX There was a little damage to the driver side of the mirror. I reported the incident to XXXX, my insurance and XXXX XXXX XXXX. Since this was the fault of other driver XXXX dealt the incident with other party driver insurance. Now XXXX and collection agency is coming to me and saying i owe them money ( {$360.00} ). XXXX and collection agency is harassing me by making calls and sending letters. I made an attempt and explained to XXXX and collection agency on the situation. If there is anything they need to work with other party 's insurance and my insurance not me. I provided them the insurance information of both the parties. Please kindly look into this matter.
Consumer complaint received 2021-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX, XXXX  and Transunion have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report
Consumer complaint received 2021-02-01
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: EQUIFAX, INC. (GA)

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. This is alarming and needs to be resolved ASAP!
Consumer complaint received 2024-02-05
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. (AL)

Complaint Letter to Delete Inaccurate Information Dear Sir or Madam : I respectfully request your prompt attention to the following inaccurate information on my credit report. For your convenience, the disputed item is listed on the enclosed page of my credit report. 

The following item is inaccurate and negatively affects my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents, or any instrument bearing my signature. Failing that, this item must be deleted. 

XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX It is my understanding that under law you have 30 days from the receipt of this letter to verify this item. It should be understood that failure to do so within 30 days constitutes a reason to immediately delete this item from my credit report. { FCRA 15 U.SC. section 1681 ( 5 ) ( A ).

Also, under 15 U.S.C. section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please notify me the item has been deleted. You may send an updated copy of my credit report to the below address. According to the provisions of 15 U.S.C. section 1681j, there should be no charge for this notification.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

The U.S. Department of Education violate my rights. Due to the fact of family and educational privacy act of 1974.and never gave me the opportunity to opt out per 15 USC 6802
Consumer complaint received 2023-04-03
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. (GA)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$200.00} ; XXXX XXXX XXXX Balance : {$52.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-19
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. (NJ)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2020-10-19
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. (AL)

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2019-09-26
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. (MO)

XX/XX//2017 I started an application to file bankruptcy but never completed the application process. Therefore the court dismissed XX/XX//2017. 

XXXX XXXX has failed to report my payments since to the three credit bureaus, thereby causing me not to be able to qualify for refinancing. I have paid all my payments to the on time monthly. However they did not report my payments to the credit bureaus. 

I did not know they were not reporting my payments to the credit bureau until I applied to refinance my home, and the perspective lender advised me the payments were not showing up on the credit reports and were hurting my score and ability to get a loan. 

I called XXXX XXXX and disputed with the credit bureaus repeatedly without their taking any action to help me. 

XXXX XXXX  account # XXXX Balance approximately {$6000.00} Home Equity line of credit
Consumer complaint received 2024-02-24
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I've consistently upheld timely payments on this account without any instances of lateness. It's perplexing to encounter reports of late payment remarks associated with my accounts.
Consumer complaint received 2020-10-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SLM CORPORATION (CA)

Hi there, I am writing this again based on reference number XXXX. My name is XXXX XXXX and it is regarding the same case. I would like to know what is the status or anything has been done abou it. We are been treated with so much disrespect because of our skin XXXX. I just got off the phone with XXXX at XXXX on XX/XX/20 and i asked them if they can send the card and I was told that they need to verify our address and my question is on XX/XX/20, I received a letter from sallie mae saying we are investigating about this issue and they sent a letter from them. If they arent sure about my address then why did they send a letter. They have all the information, why are they picking on us? Why discriminating? What did we do to them? I need answers? They keep taking money from my wifes account and she isnt on the record for past 1 and 1/2 years? Is that legal? If you really concerned then why don't you verify that first? We need answers.

thank you
Consumer complaint received 2022-04-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (NJ)

This was not sent in error XXXX XXXX XXXX  consumer by law at XXXX XXXX XXXX XXXX XXXX misused at XXXX  I have some false at not 100 % accurate XXXX XXXX XXXX. Unauthorized use of my credit report. 

Here again is the incorrect information being reported : FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX This Account is inaccurate and I'm seeking litigation. Please delete at once.
Consumer complaint received 2018-02-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

Hello, this in reference to the XXXX XXXX XXXX XXXX the account was opened on XX/XX/XXXX. Portfolio Recovery started reporting it on my credit on XX/XX/XXXX. I sent them a letter requesting them to validate it they sent me an old bill but didn't even have a signature attatched to it. I looked it up on my states website and they aren't authorized to collect in my state their license expired in XX/XX/XXXX.
Consumer complaint received 2019-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (AZ)

XX/XX/2019 : I paid {$1400.00} to American Express. I had closed my account 2 months earlier proactively. It became past due. I then paid {$1400.00}. 

XX/XX/2019 : I had submitted complaints to both XXXX and AmEx that they only show my account closed now. They show {$0.00} payment made. I even sent the screen shot of payment posted and cleared. They need to show that I made a {$1400.00} payment. 

NOTE : When XXXX executed the complaint, my credit report was updated to show new balance on the account, but shows a {$0.00} payment made. That is designed to be deceitful, so that another creditor will assume the amount was written down {$1400.00}, versus paid. AmEx needs to show that I paid {$1400.00}.
Consumer complaint received 2019-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (AZ)

Monday, XX/XX/2019, we applied for a personal loan, loan officer told us they could get my report but not my spouses report, due to a security freeze on his account. THIS SHOULD NOT BE AND WE DID NOT REQUEST IT!! Now we were told we have to wait 3-5 days or longer to get it taken off, that they can not do that at our request. In that amount of time the vehicle we are trying to purchase with the pending loan, could be sold and they we are XXXX! Also, if it is still there whenever they ( Experian ) get around to fixing it, we most likely have to re-apply and start all over again. Who gives the credit bureaus the right to ruin or control our lives? And who, when we know we did not put the freeze on it, did do it? This was a problem back in XXXX of this year, when we tried to refinance our home, it was an AWFUL time trying to get it, but supposedly they took it off, so now how did it get back on ... .we want it done XXXX, before we lose out altogether!!
Consumer complaint received 2020-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CA)

I have been approved for a mortgage loan and my mortgage broker is trying to pull my credit reports to complement my information. 

He received 2 of the 3 reports and states that Equifax is blocking the third one. The error he is mentioning is XXXX. 

I tried calling the company but they didn't give me a solution, I could not even have my information retrieved denied it. 

I need this to be unblocked so my underwriter can move forward with the loan.