davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX  XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ).

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXXXXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. 
Please delete the following accounts XXXX XXXX XXXX XXXX XXXX. Bal {$2000.00} XXXX XXXX XXXXXXXX XXXX XXXX. Bal {$5800.00} XXXX XXXXXXXX XXXX XXXX  XXXX {$8400.00} XXXX XXXX XXXX XXXX {$430.00} XXXX XXXX XXXX XXXX {$530.00}
Consumer complaint received 2017-12-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Car rental in XXXX  held car rental from banking account for a deposit even while being paid. The  security deposit is to be held but not to be charged to bank account.  I was charge for overdraft fees and additional fees for overdraft protection. This is the second time my bank account has gotten missed up by Bank America. The money was in the savings account  also the amount is still pending and not applied. Bank of America is charging me unnecessary fees and forcing overdraft protection fees in the amount of $XXXX
Consumer complaint received 2017-12-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: FIFTH THIRD FINANCIAL CORPORATION (GA)

In XX/XX/XXXX I filed for bankruptcy chapter XXXX which was discharged, and a chapter XXXX which was dismissed. I went to fifth third bank to reestablish my credit. They started me off with a second chance checking account and a secured master card, stating this would rebuild my credit if I paid my balances on time I would be eligible in two years apply for an unsecured credit card where my past bankruptcies would no longer be an issue along with a fair credit score. So on XX/XX/XXXX, I  applied for an unsecured credit card and was denied because of my past bankruptcies. This was a total contradiction of what I was told four years earlier.
Consumer complaint received 2017-12-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (MD)

I received a credit alert that a collection was placed in my credit report that I have no knowledge about. The collection agency or the medical provider never notified me about the medical bill of {$24.00}. 

I never received any notice regarding the medical bill. The collection agency said they got the collection in XX/XX/XXXX, but this is XX/XX/XXXX and they failed to notify me, allowing me the opportunity to dispute. I am asking that this collection agency remove the derogatory information from my credit report and follow the appropriate laws regarding consumer rights pertaining to medical debts. 

I have asked the physician office to send me the bill, because I never received any medical bills for {$24.00}, I surely would have satisfied this bill.
Consumer complaint received 2017-09-26
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. (CA)

Experian refuses to remove personal information from my credit profile after being informed already of the addresses being incorrect. They claim that since grantors report the address that they assume to be valid This is a violation of the FCRA. Experian has provided no proof to date that I have any connection to the following addresses XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX
Consumer complaint received 2017-09-26
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. (SC)

In XXXX, and XXXX of 2017 by letter, I requested that the credit reporting bureau, Experian provide as they stated, and I was legally entitled to as they listed that they verified two public record bankruptcies with a third party vendor, I as allowed by law, the name and address of that vendor. In the meanwhile, I contacted XXXX XXXX a third party vendor used by some credit bureaus and requested information to see if they provided the information to Experian. The response after two mailing that my information was merged with two persons with the same name likeness, and addresses as I but it was corrected to remove those merged reportings. 

In my letter to Experian, I advised them that my information was merged with others with my same name likeness, except that name likeness is only the last name, in return Experian added those other name likeness to my credit file, and did n't removed the merged information, stating that they had verified with a third party vendor, but would n't identify the vendor. 

My conplaint is that Experian knows that my information is merged with others, and its a financial decision on their part not to remove the merged information, secondly after stating that I contacted on my own that its not XXXX XXXX that is providing the report, they double talk and still refuse to identify the third party vendor because in identifying the third party vendor, it would be verfieid that they are falsely reporting.
Consumer complaint received 2017-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

Since XX/XX/XXXX, I have taken active measures with TransUnion to correct an error on my credit report. In XX/XX/XXXX, I filed Ch. XXXX Bankruptcy. Per the counsel of my attorney, I included my student loan with XXXX XXXX as an outstanding debt ; however, I did not request to have student loan with XXXX XXXX to be written off. Even if I had requested to write off my student loan under Ch. XXXX Bankruptcy, I am fully aware that the request would have been rejected - one can not write off a student loan. 

Despite these facts, TransUnion continues to report my account with XXXX XXXX as " closed '', having an unidentifiable balance, and with comments stating, " Included in Ch. XXXX Bankruptcy. '' To be clear, I am actively making payments on this account have been making payments on this account. I have never made a late payment. According to XXXX XXXX, the account is " Current and in Good Standing ''.

I have opened four direct disputes with TranUunion, the most recent of which on XX/XX/XXXX. Each dispute resolution has failed to change the information. By showing that my student loan was closed due to a Ch. XXXX Bankruptcy, I am being financially burdened in that this action adversely affects my credit score. During my disputes, I have spoken with members of XXXX XXXX in which I was told that the information was correctly being reported to TransUnion. Upon reading the results of the most recently closed investigation conducted by TransUnion on XX/XX/XXXX, I immediately requested the investigation be re-evaluated and provided documentation from XXXX XXXX, which stated my account was in repayment and that it had a positive balance. I spoke with XXXX XXXX of the Customer Service Division, TransUnion on XX/XX/XXXX, and she stated that " the documentation provided does not meet the standards set forth by TransUnion '' despite it being an official document provided by XXXX XXXX. 

XXXX is reporting my account information correctly for XXXX XXXX. 

TransUnion 's failed reporting is putting downward pressure on my credit score and adversely affecting my ability to pursue a positive financial future. I do not know to whom to turn. I have exhausted all official channels of TransUnion 's dispute process. Please provide assistance. Thank you.
Consumer complaint received 2017-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MI)

tried calling all 3 bureaus and explain that my id was used fraudentley to open inquiries on my report and would not help remove them both company and credit bureaus refuse
Consumer complaint received 2017-12-08
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Dynamic Recovery Solutions, LLC (TX)

I am getting numerous phone calls from XXXX - Dynamic Recovery, who leaves messages to call them. Today I picked up the call and a lady continued to harass me over a debt by their client ( Do not know the name of the client ) that is from 2006. I do not have any debt and said this to her, however, she continued to harass and then became threatening in her tone of voice. I stated that she can not call me for a debt that that I do not owe plus it is over 11 years old. She stated that she can continue to contact me because the debt is due. I asked her to stop calling/communicating with me and that I will be reporting her to CFPB immediately. She then hung up on me.
Consumer complaint received 2017-12-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (WA)

I paid off a credit card with Chase. The closing bill date was XX/XX/XXXX and the total balance was {$780.00}. The due date was XX/XX/XXXX and I paid {$780.00} on XX/XX/XXXX. 

I believe is it reasonable for a consumer to think that if the balance shown on the bill statement was paid in full that this would bring the balance to XXXX. However, Chase tells me that they are entitled to additonal interest of {$11.00}. I asked Chase to reflect that the account is paid in full and they insist on extracting another {$11.00} from me. 

As a quick background : This is not an active credit card. The account was closed in XX/XX/XXXX by Chase. For nine years I have been trying to " XXXX out '' an account I no longer had use of. Due to the very high interest rate and Chase 's unwillingness to reduce so I could pay off the account they unilaterally terminated, it took nine years to finally get to the point where I could pay this off. After never missing a payment, which was virtually all interest, and amounted to many thousands of dollars not for goods or services, but merely interest to Chase, they have chosen to act predatorily until the very end. This is not a card I can ever use again. Once it is " XXXX out '', it will be a non-existent account with me having paid $ XXXX $ XXXX without having use of the account.
Consumer complaint received 2017-12-08
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SYNCHRONY FINANCIAL (FL)

XXXX XXXX XXXX repeatedly calls me and leaves messages at all hours of the day. I have asked them to stop calling as I am disputing the debt amount but they continue to call. Their representatives are very rude and angry and condescending when speaking to them. This debt should not even be in collection and that is not the proper amount so their continued calls are unwarranted.
Consumer complaint received 2024-08-21
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. (CA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balanced {$XXXX XXXX XXXX Balanced {$7100.00} XXXX OF XXXX XXXX Balanced {$0.00} XXXX XXXX Balanced {$1200.00} XXXX OF XXXX XXXX Balanced {$160.00}
Consumer complaint received 2017-09-26
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: EQUIFAX, INC. (TX)

XXXX and XXXX XXXX are not reporting my VA Home Loan and it is affecting my credit in an adverse manner. I can not upload supporting documentation on their websites. All 3 credit bureaus are still reporting a 30-day late payment to the XXXX XXXX XXXX, which is paid off now. But, I have sent them copies of XXXX XXXX XXXX payments to XXXX to support our claim and they still refuse to correct the inaccuracy.
Consumer complaint received 2017-09-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (MI)

On XXXX XXXX 2017, I recieved an email from Discover Credit Card that my account has been closed without any further information. I tried to contact them for the reason behind this message, but they told me that they cant provide any information and when I insist they told me I havent submitted documents they requested. They havent revelaed which document I failed to submit yet, and also told that I have to reapply for a new card in this case. Ever since then they reported this to credit burea and rejected all my applications and enquiries on the same. After they closed my account I repayed the existing balance and cleared my account. I want to know the real reason behind this fraudulent activity on their side and also prevent my credit score being further damaged by this activity, for which I am not aware of the real reasoning. Please help me on this issue.
Consumer complaint received 2017-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Onity Group Inc. (GA)

I contacted Ocwen Loan Servicing LLC XXXX XXXX regarding the need for a payment program due to just graduating and seeking gainful employment. As a result, I was provided with a program and was advised by the specialist that as long as I paid the payment amount by the XXXX of every month I would not be considered late. Furthermore, my payment would reflect as current on my credit report with all three credit reporting agencies. I began making payments ranging from the XXXX to the XXXX of each month. Unfortunately, I did not discover until several months later that my payments for XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX were reported as late on my credit report. I called and spoke to several specialists starting in XXXX XXXX and was continuously assured that as long as I made a payment by the XXXX I would not be considered late and it would not negatively report on my credit report. Furthermore, I was advised that the aforementioned reported late payments would be corrected to reflect that I paid on time. I completed the payment program in XXXX of XXXX and my mortgage account has been up-to-date ever since. Unfortunately, to no avail has my credit report from XXXX, XXXX or XXXX been corrected by Ocwen Loan Servicing LLC to reflect XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX as being paid on time. I would greatly appreciate assistance with having this issue corrected. I have the names of the specialists I spoke to and the dates that are available upon request.
Consumer complaint received 2017-09-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I paid off the balance on my Bank of America credit card on XX/XX/XXXX. On XX/XX/XXXX the auto payment amount of {$100.00} that I had set up was deducted from my bank account. I called Bank of America onXX/XX/XXXX regarding the {$100.00} credit on my account because the auto payment amount was still taken from my account. They reversed the payment on XX/XX/XXXX and I turned off auto pay to prevent the {$100.00} from pulling from my bank account again. On XX/XX/XXXX I was charged {$8.00} in interest. Since my account had a {$0.00} balance since XX/XX/XXXX and a credit for a period of time, I did not check my account the following month. As a result, my account is showing past due and I was charged a late fee. I called Bank of America regarding this and she said that I have to have a {$0.00} balance on my account for 2 months for them to not charge me interest. They will not reverse the late charge and the interest they charged even though the account balance was {$0.00} or was a credit balance during the month.
Consumer complaint received 2017-09-26
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: SYNCHRONY FINANCIAL (NY)

I had lost my job and was late paying one day for this company and tried calling them to tel l them of my demise. Only to be told that they could not do anything for me. I was attempting to pay the debt but with late penalties and other, I could not do so as i continued to have money problems. i called to ask them if they could work with me and they said no. i was paying when i received a bill from them but they stopped sending bills after the credit company took over. i did try to locate old bills and pay them monthly. 

they served me with a summons after the date that they said i had to respond. i had tried calling a month prior when i received their first threatening letter but no one answered so i just sent a money order. i was not sure who the debtor was. the complaint stated i did not attempt to pay the debit which is a lie. also it was forcing me to sign the complaint and said i had no objection. when talking with the person on the phone, i did state that i was not even sure who the creditor was and they finally told me after a few minutes. i made payment arrangements and they sent a further stipulation agreement to which i felt compelled to sign but under duress. point though is if this company had worked with me in the first place, this all would not have happened. and on my credit report, they say i am like three years behind in payment ... another lie. i have been sending money orders all along. i am not even sure if this is the right balance. sorry for not capitalizing my letters, my computer messes up when i do. thank you for your time and consideration.
Consumer complaint received 2017-09-26
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (KS)

I am a mother of a XXXX year old and XXXX XXXX XXXX XXXX. I had a payment of XXXX dollars a month. I am a working mother and almost all my pay check goes to my children, and insurance and rent for our house and food. Not to mention, gas, credit cards and other circumstance. This does not include my XXXX XXXX XXXX loans, nor my other loan I have through XXXX. This also does not include my husbands loans he has to pay either. He is a XXXX and already does not make that much. 
A few months ago, I had had enough so I called to get my private loan payment lowered. The loan payment keeps changing, keeps getting more and more. They seem to keep upping the interest rate. 
After a 2 day stand off with Navient I finally reached someone to help me and get the payment lowered to XXXX a month for 12 months. Not much relief but still it was something. I had 2 days of yelling at the loan associate and having my co-signer call to make a financial statement. I do n't feel I have to yell at someone to get help, especially since I am willing to pay back my dept, I just need a little relief so my kid can enjoy food once and a while. 

I got XXXX again with my XXXX child in XXXX. I called them at the end of XXXX to see if I could pros-pone my payments until after XXXX XXXX. I only get 60 % of my salary. I have to pay my bills, I have to pay for things for my child, and XXXX is coming up. The loan associate said I had already used the 12 month no payment 5 years ago, with my XXXX child and there was no way to do it again. Not even just for 2 months. She then suggested I just not pay my loan payment for 2 months, but this would make the payment past due. I do not think it is logical for someone to just not pay their payment, go past due and then deal with the repercussions later. 
Not to mention the strain this could put on your credit. 

Why not have more options for private loans, so mothers, fathers and kids coming out of college can live. Why not make it easier for them to make their payments. Then there would not be this head ache. People would be happier and maybe not so depressed. 

It is so hard to get private loan payments lowered and postponed. I have to call at least 5 times to get someone to help me or yell at some poor loan associate. 

So thanks Nanvient for making XXXX XXXX that much harder. Thank you for making my kids XXXX that much more miserable. Thank you for putting more of a burden on me. You could n't go without your money for 2 months. You poor rich loan company.