davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2024-10-27
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. (MA)

XXXX XXXX, XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint.
Consumer complaint received 2024-10-27
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)

Description of the Issue : I am filing a complaint regarding several unauthorized hard inquiries listed on my credit report with XXXX. These inquiries were made without my knowledge or consent, violating the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, which requires explicit authorization or a legally valid purpose for accessing a consumer 's credit report. The unauthorized access negatively impacts my credit score and creditworthiness, as hard inquiries can remain on a report for up to two years. 

Below is a list of the inquiries that were made without my consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have already contacted XXXX via a formal dispute letter ( dated XX/XX/XXXX ) requesting the removal of these inquiries. However, the inquiries remain on my report. These inquiries were neither authorized nor associated with any legitimate application for credit initiated by me. Their continued presence constitutes a violation of the FCRA, and I am requesting the CFPBs assistance in ensuring they are removed promptly. 

Actions Taken So Far : Sent a dispute letter to XXXX on XX/XX/XXXX, requesting the removal of unauthorized inquiries. 
Provided detailed information about each inquiry, including the date, organization, and contact details, but the issue remains unresolved.
Consumer complaint received 2024-09-23
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (NC)

I have been a XXXX XXXX credit cardholder for many years. I always pay my balance in full each month. I can not recall ever carrying a balance. Late last year XXXX XXXX changed banks issuing their card. It is now Synchrony Bank. A few months later, suddenly an unexplained balance was appearing on my statement. I have called about it many times. They can not provide me a statement with details of any transaction for the amount. I paid the balance for charges I knew I made, had paper and digital receipts for but have been refusing to pay the unexplained balance. They have been charging me interest on the unexplained balance at a rate of 30.24 % and charging me XXXX XXXX/month in late fees. They have reported a late status to the credit reporting agencies, harming my good credit. I have spent hours on the phone trying to get it resolved. The past 2 calls were over 2 hours each. They can not point to a transaction or explain why this balance suddenly appeared but they insist I pay it. Each time I request a statement showing the transaction, they send a current statement showing the balance and additional interest and late fees, but never a statement showing the original transaction. I have tried to report it as fraudulent activity with them and this has not resolved the problem. I closed the account because I can not get this resolved but they continue to attempt to collect and assess fees.
Consumer complaint received 2024-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

EXPERIAN REPORT # XXXX This CFPB complaint constitutes a Notice of Default, second written communication for the record. Take notice this Notice of Default is not a validation request, do not send any validation. 

On XX/XX/year>, a certified Notice of Dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX delivered to EXPERIAN regarding the report stated above & instructions to block & delete the following unauthorized accounts stated below. 

On XX/XX/year>, I received a response letter dated XX/XX/year>, report # XXXX NON-COMPLIANCE of my instructions. 
EXPERIAN is required by law & it is their duty to comply with my instructions that are authorized by law. 
My instructions to block & delete were not being made in error nor on the basis of a material misrepresentation. My instructions to block, delete, cease & desist the entities listed are due to invasion of my right to privacy. The entities did not have my XXXX XXXX written consent to be in possession of nor sell my private financial & personal information. I have called to EXPERIANS attention the following are in non-compliance with Privacy Act, Gramm-Leach-Bliley Act, FCRA & FDCPA. 
The following unauthorized entities must be blocked, deleted, cease & desist. 
XXXX ) XXXX XXXX XXXX  - XXXX XXXX ) XXXX XXXX XXXX - XXXX XXXX ) XXXX XXXX XXXX - XXXX XXXX ) XXXX XXXX XXXX - Acct # XXXX
Consumer complaint received 2024-10-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2018-01-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

The late payment occurred on XXXX 2016. I have made several calls and attempt to contact the creditor to remove the payment. Although the payment was late, it was not due to my inability to make the payment, but instead was due to you not being aware of it being due. Since the late payment, I have had more than 15 months of on time payments and enrolled in automatic payment.
Consumer complaint received 2024-10-06
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)

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois [ XXXX ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX Experian Consumer Dispute Center po box XXXX XXXX, Texas XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX Dear XXXX, The CRAs have a grave responsibility to ensure the accuracy and fairness of my consumer report. Despite multiple dispute attempts the CRA 's continue to incorrectly report inaccurate and misleading information to my consumer report, specifically the listed charged-off account XXXX XXXX XXXX XXXX # XXXX. The account was CLOSED XX/XX/XXXX and is actively reporting " last activity '' of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

This information is in direct violation of the Fair Credit Reporting Act ( FCRA ) and is adversely affecting my credit profile. The continued reporting of this account as charged off with a remaining balance is not only inaccurate but also misleading. The Internal Revenue Service ( IRS ) clearly defines a charged-off account as one with no remaining balance, in addition too, becoming TAXABLE INCOME to the consumer. To which I have never received any 1099C. The CRA 's action in reporting this account with a balance constitutes a violation of the FCRA by providing false, misleading, and unverifiable information. 

Furthermore, the inclusion of these accounts on my credit report without my explicit consent is a clear violation of my privacy rights. The FCRA mandates that consumer reporting agencies, such as ( XXXX, Experian, XXXX ) have a duty to protect consumer information and ensure its accuracy. The CRAs actions in this matter represent a blatant disregard for these regulations. By reporting inaccurate and misleading information about me, the CRA 's have caused significant harm to my credit standing, limiting my access to credit and financial opportunities. This is a direct result of their ( XXXX, Experian, XXXX ) negligence and failure to adhere to the FCRA. I demand the immediate deletion of the aforementioned charged-off account from my credit report. 

Additionally, I reserve the right to pursue all available legal remedies, including but not limited to monetary damages, for the harm caused by the CRAs violations of the FCRA. I have attached a copy of my credit report for your reference. I expect a timely response to this dispute, including written confirmation of the accounts deletion from my credit report. Thank you for your prompt attention to this matter. 

Best Regards, XXXX XXXX UCC 1-308 ALL RIGHTS RESERVED
Consumer complaint received 2024-09-28
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION (FL)

I own a Truist Checking Account. I have had XXXX overdraft fees assessed to my checking account : l. The dates of the overdrafts are : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

For each of these days, I have transferred money over to cover the cost of the transactions. Many flat out show on the ledger that the account remained in positive status, yet the fee was still assessed. 

In the last I was told that this may be due to funds transferring over and showing as available but not be truly settled until the next day. Ive been conversely told the same thing in reference to transactions about the date they appear and the date they settle being different. 

This is a convoluted, unclear process that Truist selectively uses to take advantage of customers and is a clear violation of CFPB rules. For example, under todays latest fees assessed, my account was positive yesterday evening, I woke up to a negative balance, but the overdraft fees associated with it are the primary cause of being in negative. Yet even so, the negative balance is less than - {$100.00} which is allowed by the account. Truist promotes this fact. 

Via these illegal fees Truist has stolen almost {$500.00} from me and my family. 

I dont want to be in this position. But I am the sole provided for my household. My spouse has had to quit their XXXX  XXXX  job due to a XXXX  XXXX. I have XXXX children with XXXX XXXX. {$500.00} would cover a lot for them. But the corporation apparently feels they are more entitled to it by taken advantage and picking and choosing how to apply unclear rules regarding its accounts. Its shameful.
Consumer complaint received 2024-10-06
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. (TN)

XXXX XXXX XXXX XXXX XXXX XXXX, TN, XXXX XXXXXXXX XXXXXX/XX/year> To Whom It May Concern : This is my final communication regarding your claims that the information below has been " verified '' and that the information being reported by the furnishers is 100 % accurate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have repeatedly asked for your evidence to support your reporting, but you have failed to provide me a copy of valid and viable evidence provided by the above-named furnishers. 
Furthermore, I have requested your method of verification and you have not complied which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ) and 15 U.S. Code 1681e ( b ) which states " Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates '' and you have neglected to provide me which such information either time I have requested it. 
In absence of any such documentation, I demand that this information be immediately removed from the credit file you maintain under my Social Security Number. 
Should you continue in your non-compliance, the law is very clear as to the civil liability and the remedy available to me for " negligent non-compliance ''. I am maintaining a careful record of my communications with you for the purpose of filing a complaint seeking relief and monetary damages under FCRA Sections 616 and 617. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

This company, XXXX XXXX is continuously reporting inaccurate, unverified and mismatched data across all XXXX of my consumer credit reports. In this latest example as you can see in the attached documentation, they are reporting the date of last activity on my XXXX report as XX/XX/XXXX. My Transunion report with a date of last activity as XX/XX/XXXX, and my XXXX report with a date of last activity as XX/XX/XXXX. If the information was accurate, why is it reporting XXXX different dates to include a date just a few days ago? 

Date of last activity can only be changed or updated for the following reasons. XXXX. The consumer makes a payment. XXXX. The consumer misses a payment. XXXX. The balance of the account INCREASES. NONE of which occurred on this alleged " CHARGE OFF ACCOUNT '' that they are reporting as a " '' COLLECTION ACCOUNT ''. The company failed and continues to fail and adhere to following the guidelines, standards and laws when it comes to the FCRA and XXXX Laws pertaining to debt collections and reporting. See the attached documentation showing the inaccurate, mismatched, and different information across all three credit bureaus.
Consumer complaint received 2024-10-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2018-01-15
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Credit Protection Association, L.P. (MA)

on XXXX/XXXX/XXXX I was notified by my current landlord that someone had been calling there phone and leaving voice mails on there phone which clearly states there names and business. they left my name and reference numbers. My landlord gave me all the information so I called the number. When the phone picked up, it said please wait. A woman answered the phone and asked for my reference number and name, never did a 3rd point of verification or ever read the mini Miranda act to me. I let her know that she did not follow the guidelines and then moved on to what my call was actually in regards to. I told the woman it was n't my XXXX XXXX debt and they were calling my current landlords number and leaving my personal information on there voice mail. The woman did n't say anything but she would remove the number. I asked to speak to a supervisor and was placed on a brief hold when XXXX XXXX came on the phone and once again ... did n't read me the Miranda act, her excuse ... it was read to me when I called in. 
Which I am pretty sure is n't the law. Also was never told if the call was being recorded either.
Consumer complaint received 2024-09-23
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: NEW YORK COMMUNITY BANCORP INC (FL)

XXXX XXXX XXXX XXXX XXXX has been acting unethically Modifying my home loan. I have tried numerous times and they close it out without notification. I'm a veteran that is being railroaded to lose my home without processing my modification.
Consumer complaint received 2018-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

I opened an account with XXXX XXXX about 5 years ago and I have noticed another company stating that I owe XXXX XXXX who I think is XXXX XXXX {$1300.00} and I do n't know I do n't have any bills stating i owe this amount to them and also I never open any account with XXXX XXXX they are saying I opened an account with them as well as in the payment history its not complete its saying I have never made a payment to XXXX XXXX and also that I am failing to pay them how is this accurate I can not pay money to a company I do n't know i do n't know what they are trying to do to me but I had to reach our for help I have tried other measures such as calling but I have not had any luck.
Consumer complaint received 2024-09-16
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

I had an account balance of XXXX after my statement on XX/XX/year>. I paid that amount in full on XX/XX/year> before my due date of XX/XX/year>. A few days later, some pending charges fully came through totaling an additional {$40.00}. The payment for these pending charges was posted on XX/XX/year>. On XX/XX/year>, I received my statement and it showed an interest charge of {$53.00}. This interest payment was in error as the balance it was based on was at most {$40.00}. So, I called my credit card company 's helpline to resolve it and they said they could not waive the interest. This prompted this complaint.
Consumer complaint received 2018-03-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Management Partners, LLC (IN)

I paid a debt that i knowingly have no knowledge of. I paid it on XX/XX/XXXX as I am in the process of obtaining a mortgage and this collection came up on my credit report. I emailed the agency on XX/XX/XXXX for deletion as i paid the debt although its not mine ( to expedite mortgage process ) and to remove from all three credit bureaus. I have not received a response as of yet. Furthermore the agency is reporting different information on all three bureaus. XXXX shows an open date of XX/XX/XXXX and the remarks show placed for collection and account as open. XXXX  shows an open date of XX/XX/XXXX and the remarks show medical. My XXXX report shows an open date of XX/XX/XXXX and it being closed. I have never went by the name XXXX XXXX as that is what is being reported under my social security number in their agency database.
Consumer complaint received 2024-10-06
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: Experian Information Solutions Inc. (IN)

Thank you for taking the time to review my request. I have attempted to resolve my issue of inaccurate information on my credit file twice with both XXXX and Experian over the last several months. As well as requesting copies of the information directly from the creditor where Experian and XXXX are allegedy getting the wrong information. No one can provide the information used to sign up or copies of the information so I can verify, I have NOT missed any payments on any of my accounts and this has caused higher interest rates and less money that I could use for my family. XXXX said it had not reported since XXXX  but yet creditors have pulled my credit file and using something that hasnt even been updated in a year., Experian and XXXX are both reporting inaccurate information and wrong information on both of my credit files. They are not verifying the information with the credit card companies and the companies reporting this bad information. 

Below are the companies I have requested copies of the information from both the Credit Bureau and the creditor on 2 occasions to verify my information and to provide me with copies of the information they used to verify that info with the original creditor. I requested this from Experian, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have also attached the accounts of the inaccurate information for the ones with missed payments. 

All the information the allegedy verified was verified through a third party that I did not give authorization to share my information. This is the exact reason i did not want my information shared because now I have inaccurate information being reported causing me to have higher interest rates. The hard inquiry was inaccurate and they could not verify as well. Please verify the derogatory information and provide me with copies as well. If you can not provide copies of this within 30days please remove.