davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: GOLDMAN SACHS BANK USA (MA)

As of XX/XX/2022 I made a check payment for {$10.00}. I called Marcus by Goldman Sachs on XX/XX/2022 at XXXX. The phone call took XXXX and XXXX second. 
I paid in full. But when I received my bill in the mail by Marcus by Goldman Sachs credit card they charged me interest for {$0.00} and now the statement balance is {$0.00}. 
I called the Credit card company to dispute the charge. They said this is the policy, once you're late once we're going to charge you XXXX times a month. I told customer service Morgan at the credit card company that this is unacceptable. I paid in full and you should credit me the {$0.00} back to my account. So even though I paid in full they're going to charge me XXXX  months. This is a rip off! There scamming me, they're trying to ruin my credit. I need your assistance to make me whole in every way due to the violation and trying to ruin my credit which I paid in full and I should not be charged at all.
Consumer complaint received 2024-09-03
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. (IL)

To Whom It May Concern, I am currently experiencing significant unease as I await your response within the next 30 days. I demand that you validate the accuracy of the disputed items on my credit report or remove them entirely. This is not a request but an expectation. I further require that you provide a physical copy of the steps taken to address these issues, along with my revised credit report, delivered via conventional mail. It has come to my attention that the information on my credit report may be grossly inaccurate. Therefore, I demand that you furnish precise, authenticated details for every item. Be warned : failing to do so will result in immediate legal action. 

Listed below are the Accounts that are being challenged : XXXX - XXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed on this payment history. Else, DELETE this account immediately XXXX XXXXXXXX - XXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed on this payment history. Else, DELETE this account immediately
Consumer complaint received 2024-11-19
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (NY)

I have been using TJX Master card for many years and practically always was paying on time. But recently this card becomes a disaster and costs me a lot of money. It started when I had a balance of XXXX and they charged me {$2.00} interest for it. More recently the Synchrony bank has introduced the fee of {$1.00} for paper statements and thus forced me and perhaps many other customers to switch to email notification instead. In my case, however, their notification went to the junk mail that i didn't see so I missed the payment for few days. That happened in XXXX. As soon as I saw it few days later, I paid the balance, but the bank refused to reimburse me the late fee and interest charge claiming that they already did it for me earlier in XXXX when i was late for one day. I have no record of this in my credit card statement but in any case, it seems as not the reason to punish someone if a payment missed a deadline for few hours. In addition to that, they continue to charge me next month when i did not even had a balance, they still charge me {$1.00} interest. Altogteher they overcharged me {$32.00} ( {$27.00} late fee, the rest is interest for 3 months ), and I am not sure if there will be another charge this coming month. This has to stop and my money refunded to me. This new rule of forcing people to paperless statement is discriminating to senior people who are not very computer savvy. And it is dangerous to rely on email delivery. All my other credit cards are sending me paper bills and I always pay them after checking if the charge is correct.
Consumer complaint received 2024-11-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2023-05-02
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: Experian Information Solutions Inc. (VA)

Recently, I began taking my credit more seriously and noticed a few items on my credit report that were reporting inaccurately. I have sent several letters to Experian requesting an investigation. Under FCRA, I have the right as a consumer to request and receive a proper investigation. According to 15 U.S. Code 1681- Congressional findings and statement of purpose, as a consumer, I have a right to an accurate credit reporting. I am afraid that Experian has not done so as I have received several stall letters and notification. that my information has been " Verified '' instead of " Updated '' as I have requested several times. I have been seeking a proper investigation and update to " PAID AS AGREED '' of the accounts in question for 4 months now, and it has left me no choice BUT to file a complaint with the CFPB. There are 2 accounts in question that I requested an investigation and Late Payment Update to those accounts : XXXX XXXX XXXX 30 days late. XXXX XXXX - 30 days late In XX/XX/2023, I requested an investigation as I noticed inaccurate information. On XX/XX/2023, I received correspondence from Experian stating these accounts are reporting accurately- which they are not. I sent another letter XX/XX/2023 stating that Experian is violating a few of my consumer rights. During the time of these late payments, this was during COVID which is a result of a billing error. According to 1681s-2 ( a ) ( 1 ) ( F ), which was added as part of the CARES Act states that this provision requires a furnisher to report the credit obligation or account as current during the COVID-19 pandemic, unless the account was delinquent before the accommodation. I provided this information and in response, I received that the information on my credit report is accurate when it is inaccurate. My consumer rights have been continuously violated for the past 3 months with no resolution. On XX/XX/2023, I receive correspondence from Experian stating that I the information has been verified without properly investigating my credit report versus the laws that have been violated. This has left me no choice, but to file a complaint. In response, I would like the following accounts to be updated to PAID AS AGREED. Please update the following accounts to " PAID AS AGREED '' XXXX XXXX  - 30 days late XXXX XXXX  - 30 days late In response, I would like the following accounts to be updated to PAID AS AGREED. 

Please update the following accounts to " PAID AS AGREED '' XXXX XXXX  - 30 days late XXXX XXXX  - 30 days late
Consumer complaint received 2024-11-18
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: TRUIST FINANCIAL CORPORATION (TX)

I am writing to file a complaint against Truist Bank for failing to honor a {$400.00} checking account opening bonus for which I fulfilled all the promotional requirements. Despite meeting all conditions, my bonus was denied unfairly. 

The promotion required at least one direct deposit totaling {$500.00} or more and completing 15 debit card purchases within 90 days of account opening. 

I made direct deposits totaling {$7900.00} within 90 days, far exceeding the required {$500.00}. The promotional terms did not specify that each deposit needed to be {$500.00} or more. Additionally, I completed over 15 debit card transactions within the required period. 

Truist Bank denied the bonus, citing that each individual deposit was below {$500.00}. However, this requirement was not included in the promotional terms. My deposits cumulatively exceeded the required {$500.00} threshold. 

I respectfully request that Truist Bank honors its promotional offer and credits the {$400.00} bonus to my account. Additionally, I urge Truist to ensure its promotional terms are upheld consistently. 

I have attached the promotional terms, my account statements, and all relevant correspondence with Truist Bank for your review. 
Thank you for your attention to this matter. Please feel free to contact me by email for further details.
Consumer complaint received 2024-09-24
Product: Credit reporting 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. (SC)

" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e { b ] Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i [ 5 ] Treatment of inaccurate or unverifiable information [ A ] In general if, after any reinvestigation under paragraph [ 1 ] of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- [ i ] promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and [ ii ] promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately : 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 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AK)

My account with TransUnion was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
TransUnion Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Consumer complaint received 2024-09-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My credit report has been pulled up by these companies and applications were done in my name, I don't recognize these fraudulent inquiries nor have authorized them. I have contacted the bureau and the representative told me that they would be deleted from my credit report but I still see it, it's adding unnecessary stress in my life.
Consumer complaint received 2024-10-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Exeter Finance, LLC. (VA)

I am fighting to be able to get XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I have been trying to trade my car for a truck to pull a XXXX XXXX XXXX I was offered XXXX for my car a month ago and now it says XXXX. They are saying I owe more now then when I bought the car. So no matter what I pay which is way to much it will never pay the car off as XXXX charged interest everyday no matter what. I was taken advantage of in a time of crisis and they refuse to help me or lower the amount I now owe. I can not survive paying XXXX a month and it not paying my car off. Plus no matter what I do XXXX turned down for loans because of XXXX and being XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is not fair and discrimination especially because I almost lost my XXXX XXXX XXXX
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The account was charged off XX/XX/XXXX. The company has been reporting " CO '' from then until XX/XX/XXXX and report shows a balance of XXXX $ continuously reported on my credit report when the account has been charged off. I asked for the tax form 1099c to prove they charged off the debt as a " loss and I would need to count it as income. I was told " we don't send those out ''. They are lying on my credit report or lying to me. Violation of FCRA Reporting Incorrect Information on my credit report.
Consumer complaint received 2022-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: Early Warning Services, LLC (TX)

Early Warning is using deceptive to re-initiating an investigation that has a timeline start on XX/XX/2022. All corresponding are still attach to the initial dispute. Early Warning are using deceptive responses to stall the process of producing supporting documents for the dispute. Early Warning tried to contact me by phone at my request I asked at all corresponds to be mailed. I am sending another complaint with all the correspondence since the initial dispute after I was denied a banking account with XXXX from the information that Early Warning provide. Early Warning influenced XXXX decision because it is a reporting agency. Early Warning has shown throughout this dispute process to have deceptive practices as a reporting agency. My next step of action is to file a form complaint on Early warning via Texas Attorney General website per Consumer Financial Protection Bureau
Consumer complaint received 2024-11-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

PERSONAL STATEMENT - CFPB I am writing to dispute fraudulent information on my credit report under 15 U.S.C. 1681c-2 and request that this information be blocked. I have enclosed a copy of my Police Report and FTC Identity Theft Report ( FTC Report Number : XXXX ) to support my claim of identity theft. According to 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies are required to block the identified fraudulent information within four business days. 
The following information on my credit report is the result of identity theft and must be blocked immediately : XXXX. XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX. XXXX INQUIRIES : XXXX XX/XX/2024 As required by law, this information should be blocked for one year, at which point I may request an extension of the block. During the block period, you are prohibited from reporting these accounts unless you have verified that my report no longer contains fraudulent information. 
I have contacted the credit bureau multiple times to report these fraudulent accounts, but no resolution has been provided. This has severely impacted my ability to purchase a home for my children. It is especially concerning that other credit bureaus have removed these collections after determining they were fraudulent, yet this bureau continues to claim that these accounts belong to me. 
Additionally, I have requested contracts from the company in question that supposedly opened these accounts using my information. Despite more than 60 days passing, I have not received any response. This lack of action further supports my claim that these accounts are not legitimate. 
I respectfully request your immediate assistance in deleting these accounts and any related inquiries from my credit report. I have enclosed the FTC report for your reference and trust that this matter will be handled with urgency. 
RESOLUTION REQUESTED : Please delete these fraudulent accounts and inquiries immediately. 
Thank you for your time and attention to this matter. 
Sincerely, XXXX XXXX