davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-22
Product: Credit card — 
Issue: Late fee — 
Company: BARCLAYS BANK DELAWARE (NJ)

I had a late charge in which I disputed with Barclays. I had made a call to not be late and provided my checking account number and was told by agent it went through. Later i find out it did not and i was charged fees for them in accurately entering my account info. 

My dispute was rejected and received a letter dated XXXX XXXX. I called to ask how if could escalate and ask for another review and Barclays agent refused to provide additional info. Hence, I cancelled the card. I still want to appeal but after XXXX conversation with XXXX refusing to provide info on an appeal process I am filling this complaint.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> NAVY FEDERAL CREDIT UNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Dispute of Charge-off Due to Non-receipt of IRS Form 1099-C Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX To Whom It May Concern, I am writing to formally dispute a charge-off that has been reported on my credit report for the above-referenced account. Upon reviewing the details of this charge- off, I have found that I did not receive a 1099-C form, which should have been provided to me in compliance with IRS regulations when a debt is canceled or written off. According to the IRS guidelines, a creditor is required to issue a 1099-C when they cancel or forgive a debt of {$600.00} or more. Since I have not received this form, I believe this reporting is inaccurate.

In light of this oversight, I kindly request that you : 1. Provide evidence that a 1099-C was issued for the debt in question.

2. Correct the reporting of this account on my credit report if the form was not issued, as this reporting may be incomplete or misleading without proper documentation. 
I would appreciate it if this matter could be resolved promptly. Please send me any supporting documentation related to the charge-off, or confirm that this charge-off has been removed from my credit report. Additionally, I expect this dispute to be investigated and resolved in accordance with the Fair Credit Reporting Act ( FCRA ). 
I appreciate your attention to this matter and look forward to your prompt response. Please contact me at the above address or phone number if you need any further information. 
Thank you for your time and cooperation. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2016-10-21
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: BorrowersFirst, Inc. (RI)

I was offered a personal loan to take care of medical bills by a lending company called Borrowers First. After the initial set up fee I have been repeatedly charged transaction on this account as if it were some sort of credit card. I have been faithfully paying off this loan through monthly installments for six months and each month the loan ammount is increasing. Today my balance is approximately a XXXX dollars more than what it originally was. 
I have been prioritizing the loan over all my other expenses. I have had to put off other expenses because recently they doubled the ammount of my monthly payment without any explination. This loan is ruining my credit, the balance is increasing with each month and can no longer afford to pay this. 
I really do n't want this to ruin my credit any further. What gives them the right to increase my balance and charge transactions onto this loan that are not authorized by me. I havent been able to pay other bills and everything is adding up, ruining my credit and my house hold. Please help me.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX  XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : On XX/XX/XXXX, I submitted a dispute to TransUnion disputing a late payment reported by XXXX  XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Date Error : My payments for XXXX and XX/XX/XXXX were made on time. I have provided bank statements and payment confirmation receipts which clearly show that the payment was processed before the due date, but the creditor erroneously marked it as late. 
Technical System Failure : Upon reviewing my account activity, I identified that there was a technical issue with XXXX  XXXX 's payment processing system during that period. This error delayed the application of my payment, though it was sent on time, as confirmed by the confirmation number I received after submitting the payment. 
Clerical Mistake by the Creditor : In addition, it seems that XXXX XXXX applied my payments to the wrong account, causing a delay in crediting my account on time. I have documentation showing that this mistake was recognized internally by XXXX XXXX  customer service. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-10-22
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Tally Technologies (CA)

Tally Technologies Violated TSR, which i understand is meant to protect consumers from situations where abusive credit repair companies charge them fees for services they didnt provide.

I signed up for a company that would manage my credit cards and help my credit scores for a fee. In the end, they charged me the fees and wend defunct. So now, theyre passing on my balance from them to a credit collection agency, SST. This is not what they advertised, If it was, I wouldve never agreed to work with Tally.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Please remove this information from my credit report within four business days, in accordance with Section 605C of the Fair Credit Reporting Act. I would appreciate a notification once this has been done. Thank you for your prompt attention to this importantmatter.
Consumer complaint received 2016-10-22
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Machol & Johannes, LLC (CO)

Machol & Johannes , LLC. intentionally sent a copy of a Writ of Garnishment to a third party, addressed vaguely so that it would be opened and read by someone other than myself. 

I am also certain it was sent to this address as a delaying tactic so that I would receive my mail late and be unable to respond in time to legal actions. 

On XXXX XXXX, 2013, I sent Machol & Johannes , LLC. a certified letter that included, among other things, very specific directions about how to contact me as I have a XXXX XXXX ( I live in a rural area ). The tracking number for the certified letter is XXXX XXXX XXXX XXXX XXXX. 

( This letter also indicated that they were not to contact me by phone, which they have continued to do. ) I also included information about my mailing address in court filings. ( The court has had no trouble sending documents to the proper address. )
Consumer complaint received 2016-08-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (NY)

To Whom it may concern I 've tried two time to correct my address with Experian credit bureau, unfortunately my address still called a multifamily address which is not. In fact the right address is:XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, that 's the address i would like to have with experian credit bureau, i also want to correct my phone number. The number XXXX is no longer. My new contact is XXXX. The address XXXX XXXX XXXX XXXX XXXX XXXX , NY XXXX need to be removed. I previously had a social security number ending by XXXX, this number never been used to apply for any credit or loan. I do n't understand why there is an existing file on that number, regardless that previous social security number was surrounded to the social security administration for cross reference and also the name was reversed, the date of birth appeared to be wrong. Any lenders ( XXXX XXXX, XXXX XXXX, XXXX ) did n't have the previous number because it never been used to apply credit or loan. My question to experian is how did they get this number? the only number i am using is my social security number, the current one ending by XXXX. The only way experian can have my previous social security number is in case of being misled by lenders which is not because i also spoke with XXXX XXXX, XXXX, and XXXX in order to verify my social security number, they all have my current social security number ending by XXXX. I would like to keep XXXX file, the right one with the social security number ending by XXXX. 
Thanks! 
Best regards!
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: DISCOVER BANK (MI)

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Investigation of Violations under 16 CFR 313, FERPA, and the Privacy Act Regarding Unauthorized Credit Reporting Dear CFPB Team, I am writing to request an investigation into violations of my rights under the Code of Federal Regulations, specifically 16 CFR 313, as well as additional protections afforded by the Family Educational Rights and Privacy Act ( FERPA ) of 1974 and the Privacy Act of 1974. These rights are being violated by DISCOVER BANK. 
Under 16 CFR 313, certain rights are granted to me, including the right to opt out of information sharing that may impact my credit report. However, I am also protected by FERPA and the Privacy Act, which strictly regulate the sharing of my educational and personal information.

To outline my concerns : Notice of Right to Opt-Out ( 16 CFR 313 ) : I was not provided with a clear and conspicuous notice of my right to opt out of information sharing with credit reporting agencies. Under 16 CFR 313, such a notice i
s required and must be provided within 30 days, giving me ample time to respond if I choose to decline the sharing of my information.

Protections under FERPA and the Privacy Act : FERPA and the Privacy Act of 1974 explicitly prevent educational institutions from sharing personal information, including credit-related data, without my consent. Schools are prohibited from disclosing my information to third parties, including credit reporting agencies, without prior authorization.

Violation of Opt-Out Rights and Privacy Protections : By failing to provide an opt-out notice and disregarding protections under FERPA and the Privacy Act, my rights to privacy have been breached. I believe that any entries on my credit report resulting from unauthorized information sharing should be removed in accordance with these federal regulations.

Given the overlapping protections from 16 CFR 313, FERPA, and the Privacy Act, I respectfully request that the CFPB investigate these practices and ensure my rights are upheld. I further request the immediate removal of any items on my credit report that were shared without my explicit consent, as mandated by law. 
Thank you for your attention to this matter. I look forward to your prompt response and assistance in addressing these concerns. 

Thank You.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2024-10-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIDELITY CAPITAL HOLDINGS, INC (GA)

I sent a mobile check deposit to the bank on XXXX. + {$40000.00} The check cleared my bank ( XXXXXXXX XXXX  ) within 1 business day : - {$40000.00}, CHECK # XXXX Transaction Date XX/XX/year> Posted Date XX/XX/year> Transaction Type Check Reference Number XXXX Fidelity is holding the funds until XX/XX/XXXX. They have refused to provide me with an explanation. There has been no change to the account agreement, and I was not notified of any new policy. Fidelity XXXX XXXX is violating reg CC by 1 ) holding my funds for an unreasonable period and 2 ) Refusing to provide me with a notice of why this is being done. 

The funds in question would have paid loans that are accruing interest. I am paying interest that would otherwise would not be due had these funds been made available to me in a reasonable amount of time.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint. 

Items that need attention : 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 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 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 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 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 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 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 2016-10-22
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Timothy C. Runyan, P.C. (MI)

I am continuing, for my rights for a debt that I do not owe where my income tax, veteran check and pension check is be garnished, my bank account is frozen, I ca n't pay my bills.i still have this company in dispute, they never validated this bill I 've ask them for XXXX yrs, they never did it yet they never call me not once, to prove this bill is mine even though i was defaulted for not going to court. For a bill they will prove I owe.thank you.
Consumer complaint received 2016-10-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Credit Systems,Inc. (DC)

I NEVER lived in North Carolina. So how can l be charged for something l dont know about. 
Yes l had family there and still there.l just recently got an INCOME. I HAVE NOT DID ANYTHING TO OWN ANYONE. SOMEONE MUST HAVE USED MY NAME.I AM NOT RESPONSIBLE FOR THIS.
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.
Consumer complaint received 2016-09-16
Product: Credit card — 
Issue: Privacy — 
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

On XXXX XXXX I started getting emails from CapitalOne regarding someone else 's credit cards. On that day it was thanking the individual ( later identified as XXXX XXXX XXXX ) for updating his/her email address. The address that was entered was my business address. Since then, I have continued to get 16 additional emails despite my reporting the problem twice by telephone, and by returning EVERY email to " XXXXXXXXXXXX '' -- including sometimes actually explaining why I was sending it back. Some days I tried to send it back as much as 9 times just to see if I could get someone to pay attention. Despite all my efforts, I am still getting these financial emails for SOMEONE ELSE! I am being informed what the balance is on XXXX of the XXXX credit cards. I am informed when a payment is scheduled. I am informed when one is due. He/She must be pretty upset that they are n't receiving their email notifications. I know that technically, I could ask to reset my ( XXXX 's ) password, and then look up this person 's address and then contact them to explain what 's happening, however, I do not want to get in trouble for a situation I did n't create. In fact, I have gone over and above what most people would have done in trying to make sure that CapitalOne contacts XXXX XXXX XXXX and has him/her update their email address to their REAL email address.
Consumer complaint received 2016-09-17
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: TD BANK US HOLDING COMPANY (FL)

I came thru drive thru at XXXX to drop off XXXX deposits before the bank closes at XXXX because its Saturday and when the worker came up to me at drive thru she did n't even acknowledge me she just opened the metal drawer and pull it back in and walked away. I do n't care if I came at XXXX technically ya 'll are still opened gor another 5 minutes so if she had a problem doing my deposits I can gladly change banks because I do n't need a worker with a XXXX face on dealing with my money. This location is TD Bank XXXX XXXX XXXX, Fl XXXX. I do n't know her name but she is shortXXXX. Deal with her and how to be customer friendly because her customer service is ugly. Thank you and have a nice day.