davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act, 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. secondly, i have the right to sue if i think consumer bureaus are preventing me from getting certain loans or benefits by reporting false information on my report. I got notified of a collection account from Transunion about a debt collection from a company called XXXX XXXX. I do not recognize the company or have ever done business with the company. no debt validation letter was mailed to me or any details of how I got a loan through them. A debt validation letter was requested and none was ever sent and for this reasons I have the right to sue the bureaus for furnishing my account with unverified information which is affecting my credit and preventing me from certain benefits that require credits. I request the bureaus take out this information on my credit score or provide me with the neccessary information that they have that suggest I have done business with XXXX XXXX and the collection account is mine starting from sending me a debt validation letter if they fail to provide this then they must remove the collection account from XXXX XXXX
Consumer complaint received 2023-04-15
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. (CA)

In accordance with the fair Credit Reporting act XXXX Account number # XXXX account name # XXXX XXXX has violated my right 15 U.S.C section 1681 602 A States I have the right to privacy 15 U.S.C Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2017-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Transunion there is no XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX is wrong more wrong information on transunion More wrong information on transunion and address that are not correct or valid
Consumer complaint received 2023-10-31
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY (CT)

On XX/XX/XXXX my phone was stolen and the scammer sent themself {$720.00} through XXXX XXXX in multiple transactions that I did not authorize. My checking account was overdrawn and I immediately filed a dispute with XXXX  but was denied because they said I either authorized or knew the person who I sent the money to ( neither is true ). I then filed a dispute with TD Bank who denied my claim on the basis that I benefitted or authorized the transaction, which I didnt.
Consumer complaint received 2017-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

Per Certified Credit Reporting Report # XXXX, TransUnion, XXXX, and XXXX  have erroneously listed some mortgage accounts under " delinquency '', however after contacting the mortgage company ( XXXX XXXX - XXXX : XXXX XXXX, they found this to be in error. To date, neither the mortgage company nor the credit bureaus have fixed this error.
Consumer complaint received 2023-10-30
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (NY)

I am writing to complain about Synchrony Bank, the issuer of my TJ Maxx store credit card. On XX/XX/2009, I opened this account, which is one of my oldest credit card accounts. I went through a period where I did not make a purchase, but I thought that using the rewards from my credit card this year would count as activity. However, Synchrony Bank closed my account due to inactivity without any notice. 

I called Synchrony Bank customer service to try to reopen the account, but I was told that it was not possible. The representative I spoke with, XXXX, explained that the purpose of closing my account was to penalize me for not using it and to benefit Synchrony Bank by avoiding the need to pay security on my account. He also agreed that closing my account would harm my credit score.

I spoke to a supervisor, who confirmed that Synchrony Bank does not send communications to customers warning them that their account will be closed due to inactivity. She also said that my only option was to reapply for a new account, which would create a new trade line and open date on my credit report.

I believe that Synchrony Bank 's practice of closing credit card accounts due to inactivity without notice is deceptive and unfair to consumers. Consumers who are conscious of their credit score rely on their open accounts to maintain a good credit history. Closing an account without notice can significantly damage a consumer 's credit score and make it more difficult to qualify for loans and other forms of credit in the future. 

I am requesting that the CFPB investigate Synchrony Bank 's practices and take appropriate action to protect consumers from this type of unfair and deceptive conduct. I also request that the CFPB require Synchrony Bank to reopen my account and remove the negative information from my credit report.
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

I have a late payment on my credit report from XXXX XXXX. I've reached out to the creditor to request validation of them sending me my statement 21 days before the due date and they have not responded. I have also reached out to the credit reporting agencies to have late payment removed as I have not given any instructions to furnish this information on my credit profile. It has been months and they have not responded. 

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC s 1666 B, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2023-10-31
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc. (MO)

I requested a term based repayment plan on XX/XX/2023. I received an email stating they received my request and would respond in XXXX days. I never received a response. I resubmitted it again on XX/XX/XXXX. Never received a response. I tried to call them and was on hold for an hour and a half before hanging up. I emailed them and got an automatic reply stating they had too many emails and couldn't respond. I tried calling multiple times over the next several days and was on hold for hours. Due to my job, i had to keep hanging up and could not stay on hold. Eventually after numerous attempts and sitting on hold for XXXX hours, i finally was able to speak with someone. I was told my account would automatically be put into administrative forbearance since they had not had time to look at my repayment plan request. They said it was taking approximately 30 days to look at requests instead of the initial XXXX days i was told. It has now been almost 60 days, my account is not in administrative forbearance and it is saying my account is past due. It is asking me to pay {$930.00} instead of the {$170.00} i was told my payments would be with the repayment plan. I still can not get a hold of anyone on the phone, currently trying to reach them and have been on hold for XXXX hour and XXXX min. They lied to me about putting my account into forbearance. It seems like they are refusing to accept anyone 's repayment plan requests and refusing to actually speak with anyone either. This has been the worst experience ever
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AZ)

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.

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 inructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2017-12-04
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

On XXXX XXXX, I applied for a mortgage with Citizens Bank and provided them with all required information. I was promised an APR of XXXX, but three days prior to closing, while reviewing the revised disclosures, I noticed that the rate had increased to XXXX. I inquired and was told that because of a short sale on my history and due to it being a jumbo loan, that I my application was being approved as an " exception '' and that the rate was increasing as a result. 

They had all of the information about the size of the loan and the short sale at the beginning of the application process, so it seems terribly unscrupulous to change the rate so late in the process. Clearly a homeowner has no recourse 3 days prior to closing and Citizens Bank is taking advantage of this situation.
Consumer complaint received 2023-10-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TX)

I disputed the collection with the the collection agency my claim shows evidence of identity theft from a police report, and everything reported should be shown as accurate. Per Section 609 ( a ) ( 1 ) of the Fair Credit Reporting Act ( FCRA ), you are required by federal law to verify any and all accounts posted on my credit report, and only report accurate information. I request all verifiable proof you have on file for the listed following account with original documents/wet signatures and no screen shots. These delinquent account record is inaccurate. Also, I asked for you to stop contacting me through phone calIs, and I have still gotten constant calls. I request that the following account be promptly removed immediately off of my credit for LVNV Funding LLC for {$830.00}.
Consumer complaint received 2017-12-01
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A. (MI)

For 3 months, I 've been in contact with PNC Bank in attempt to revised my mortgage payment that will increase early next year. Throughout this process, PNC Bank has repeatedly push me towards a Short Sale option on home I own since XXXX as their ONLY solution to the fact I 'm a XXXX American living strictly on XXXX XXXX. 

It should be known, that I never been late on any PNC Mortgage payments in 10 years & I 'm current on my Property Taxes & Home Insurance. So why is PNC XXXX bent to force me out my home & will not work with me to lower my home payment that will increase in 2 months?
Consumer complaint received 2023-10-30
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

After filing complaint XXXX the company closed the complaint and said they sent me the response directly but I have yet to receive anything and the last response was still sent to XXXX XXXX XXXX XXXX despite my address supposedly being updated several times to reflect the correct address of XXXX XXXX. Ive submitted documents showing that my sponsor has always had the correct address since starting my unemployment claim and that it has remained the same since, but XXXX XXXX claims she cant update my address without it being updated by my sponsor even though XXXX has my correct address and has contacted and escalated the issue with BOA at least XXXX times to correct the issue to no avail. My account still has not been credited and I have yet to receive the requested documents and statement. I want my funds immediately!
Consumer complaint received 2023-10-30
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: EQUIFAX, INC. (FL)

I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-12-04
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. (CO)

Per Certified Credit Reporting Report # XXXX, XXXX, XXXX, and Experian have erroneously listed some mortgage accounts under " delinquency '', however after contacting the mortgage company ( XXXX XXXX - aka : XXXX ), they found this to be in error. To date, neither the mortgage company nor the credit bureaus have fixed this error.
Consumer complaint received 2023-10-30
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. (OH)

I have XXXX inquiries on my report and none of them are mine. I was already a victim of identity theft, froze my report, or so I thought but my report was never frozen/locked. I believe this is identy theft again due to the negligent practices of the current reporting agency
Consumer complaint received 2023-10-30
Product: Credit reporting 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: EQUIFAX, INC. (NY)

Under the Fair and Accurate Credit Transactions Act and the Fair Credit Reporting Act, I maintain that I have resided at the above referenced address for the past 3 years. I have listed under penalty of perjury my correct social security number and date of birth, and I would appreciate an updated credit report to be sent to me within the next five business days from XXXX, Equifax and XXXX XXXX collectively. I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free Annual Credit Report, XXXX XXXX and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached address.
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

I am requesting that the late payment markings be updated to reflect my accurate payment history. Those payments were made on time. If there is any confusion, The account payment history is reflected as late payment on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is 100 % true, accurate & correct.
Consumer complaint received 2017-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CO)

Per Certified Credit Reporting Report # XXXX, XXXX, Equifax, and XXXX have erroneously listed some mortgage accounts under " delinquency '', however after contacting the mortgage company ( XXXX XXXX - XXXX : XXXX ), they found this to be in error. To date, neither the mortgage company nor the credit bureaus have fixed this error.
Consumer complaint received 2023-10-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC (NC)

NTL has harassed me for the last time. I do not owe this debt. Its not mine. The doctor office gave them my info erroneously. Since it a collection- its been discharged and is now income. They refuse to give me a 1099c. The IRS says they owe me this form. Someone from the company got the letter requesting this and they refuse to comply.
Consumer complaint received 2023-10-30
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. (IL)

This monitoring agency is the only monitoring agency that is purposely trying to destroy my life. They had over 25 telephone numbers on my credit report for years and malicious information. They had numbers to track phone that were never given my information at all. One of the numbers was to a track phone I had where I gave no personal identifying information. The rest of the numbers were other peoples numbers. 

I had spoke to this company years ago when they were the only monitoring agency purposely trying to destroy my life. They are like stalkers. XXXX and other agency never put the information they have. When I spoke to this company years ago for how detailed and stalkerish they were being they laughed in my face. They have been putting other peoples details on my credit report since I was able to be monitored by a credit reporting agency and now my information is on the deep web. 

The government needs to investigate this credit reporting agency for destroying white peoples lives. They know someone that is harassing me and Im sick of them putting 25 cell phone numbers to other people when I, XXXX XXXX, have no family or friends to help me in life. They XXXX up my entire life with their malicious and false information. I just discovered other peoples numbers on my report. It needs to be investigated as to how they are getting information. There is no privacy with this company. Just list my debts which is a school loan and stop lying and adding all my stuff to destroy my life because I have a XXXX XXXX XXXX 

Someone has been attacking me online stealing all my data and threatening my life online. I have so many breaches. I have so many identity theft problems and trans union cant keep adding other peoples numbers to my report and saying Im related to people Im not. 

They should be investigated for adding over 25 cell phone numbers that dont even belong to me and they dont even list my current number. Its against the law to destroy my life purposely.