davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Hi CFPB Professional, After a careful review of my credit report, I've found the several items to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Pursuant to : * the Privacy Act of 1974 and * 15 U.S. Code 6802 - 6805 these negative items should not have been included on my credit report. 

I'm requesting that the following items immediately be removed from my credit report : Transunion : XXXX XXXX  - This has never been my name XXXX XXXX XXXX XXXX - I do not live at this address XXXX XXXX XXXX  XXXX I do not live at this address I do not owe this amount on this account XXXX {$9900.00} XXXX XX/XX/XXXX I do not owe this amount on this account XXXX  {$10000.00} XXXX XX/XX/XXXX I do not owe this amount on this account XXXX XXXX XXXX {$4600.00} XXXX XX/XX/XXXX I do not owe this amount on this account XXXX {$500.00} XXXX XX/XX/XXXX I do not owe this amount on this account XXXX XXXXXXXX {$5000.00} XX/XX/XXXX This account was never late XXXX XXXX x 60 days {$95000.00} XXXX XX/XX/XXXX This reporting is a violation and should not appear on my report XXXX XXXX {$17000.00} XXXX XX/XX/XXXX This should be removed 15 USC 1681 permissible purposes XXXX XX/XX/XXXX
Consumer complaint received 2021-02-23
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: SYNCHRONY FINANCIAL (NY)

I have written five ( 5 ) letters to Synchrony Bank / Walmart to the mailing address listed on my credit reports to advise them regarding a fraudulently reporting account. Although the account is reporting a {$0.00} balance, the account does not belong to me and should not be reported on my credit reports because the account is a fraudulent account not belonging to me and credit reports are only supposed to contain accurate information. Despite mailing them the letters, the account continues reporting on my XXXX XXXX, and XXXX XXXX credit reports. The only communication that I have received from Synchrony Bank / Walmart was a generic letter advising me that the account belongs to me because statements were mailed. I have never received any statements in the mail from Synchrony Bank / Walmart.
Consumer complaint received 2017-09-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: UNITED STUDENT LOAN SOLUTIONS (CT)

In XXXX 2017 time frame wanted to look into other programs for student loan repayment. Thought I found a reputable agency called United Student Loans Solutions out of XXXX XXXX, FL. They had me fill out an application and contract which I have. Unfortunately, through this process I gave my personal identification information. Also, 2 paystubs from my current employer.
Thus far I have n't had any fraudulent activity, but I 'm hoping to stop something before it happens. At this time they have received {$460.00} from me via my debit card. I have notified my bank, they have cancelled the card, and I 've spoken with Identity Theft. I was advised by my current student loan company XXXX to get in contact with FTC ( done ), CFPB ( doing ) and my States Attorney General her in CT.
What has cautioned me to look into this is the fact they pulled funds from my account 3 days early last month, and I have tried numerous times to get a hold of them and nothing. Now their email is no longer valid, phone number of not in service and website no longer valid. There is one number that is assigned to a XXXX XXXX that rings and you can leave a message.
I would like to provide the contract, but nervous to have my information out ( again ). Please advise.
United Student Loan Solutions information : phone # XXXX Ph : XXXX Fx : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX  www.unitedsls.org email : XXXX Names : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-09
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I reviewed my XXXX account, and noticed there was a pending charge for a Capital One credit card. I do not have Capital One so I called my bank to start the process to cancel that payment. I then called Capital One to get information about who was responsible for using my bank account to pay for their credit card. I offered to give them my bank account information to look it up and was told they cant. After speaking to possibly seven different people, the last being a manager, I asked for the legal information as to where to send a law suit, like a registered agent, the lady said all she could give me was the main correspondence address and nothing for legal. I can not send a demand letter, or legal documents to a general correspondence address as that will not hold up in court.
Consumer complaint received 2017-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IA)

XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX To Whom it May Concern, I recently pulled a copy of my credit report and noticed the following information is in error : Address Errors : XXXX XXXX XXXX XXXX XXXX IA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX Phone Errors : Phone : XXXX XXXX XXXX Phone : XXXX XXXX XXXX Name Errors XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My correct social security number is XXXX. With the amount of identity theft going on, I am very fearful that some could mistakenly identify me as someone else with this incorrect information on my credit report. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-02-23
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC. (IL)

Hi there my name is XXXX XXXX, I have a Lease through ally Financial Back when Covid 19 hit I gotten a phone call from Ally to see if i would like to extent my lease payments for 180 days. of course at the time i had agreed to this because of the financial hardship I incurred during this time.

6 months gone by I never got one phone call from them I went to make a payment when my hardship was up and was told that my truck was in for repossession that if I did not make a payment at that point I would be without a vehicle. At this point my payment was extremely late and had to make a XXXX payment to get it out of repo status. 
I have several late payments recorded on my account because of their lack of communication and I am very frustrated because I had a juristic decrease in my credit score. I have since made every payment on time but still shows that I am behind on payments and all will not make it right. I would like help on this situation to get my credit back on track because of their issue.
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2016-08-10
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (VA)

In XXXX I opened a home equity loan with wells fargo. In XXXX my wife lost her job and I was informed by the wells fargo rep he could lower my payments and talked me into a " new product '' unknown to me I was enrolled in help for homeowners (? ) and it had been listed on my credit report ( never saw this on my credit report ) I discovered what had happened in XXXXafter I was turned down for a critical business loan due to the " modification to my account ''. I immediately called to have it removed from my credit report and return to my old payment ... Due to bait and switch and bad banking practices I was sold a flawed product that front loaded me for failure as the loan went interest only but never informed me at the time my balloon payment was unchanged. I have BEGGED wells fargo dozens of times to recognize the bad math on my account only being told the product is no longer offered and can never be changed as it stands. They asked me to apply for new products and did so only to be rejected without even sending in my financials ..also I have paid 10.67 % on this loan for years despite the lowest interest available being told that a change to the interest rate could NEVER happen. I have never missed a payment, I am greatly concerned as I was threatened they will liquidate my home due to bad banking practices.
Consumer complaint received 2024-10-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2017-09-01
Product: Credit card or prepaid card — General-purpose credit card or charge 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 (TX)

I would like assistance in disputing a charge on my XXXX XXXX XXXX. This charge is XXXX of several paid to a company named XXXX XXXX in XXXX of last year. This company charged me a total of {$15000.00} XXXX {$2000.00} of which is on this card ) after selling us on the idea of starting an online business. XXXX XXXX told us that the initial {$8800.00} we paid was to be inclusive of a custom built platinum e-commerce website, marketing, hosting and coaching. They did not do any other the things that were sold the custom website was never done instead they gave bus an empty cookie cutter that we were to do ourselves. The coaching was about selling on eBay and not at all relevant to the site. They did no marketing and the hosting was terrible the site was constantly down. This company has failed to provide the services that were sold to us and when we complained we were told that we did not buy the complete package and paid them another {$7000.00} and nothing further happened. This company has defrauded us by deceptively selling us this opportunity giving us false hopes and expectations of what would come. The intention of this business was to supplement our retirement income and has done nothing more than indebt us. They claimed that they would teach us and assist us in starting and running this business. I had thought I was at a loss as I have been told that I can not dispute charges over 60 days old. I have since discovered that this is not true since these charges are a direct result of fraud and misrepresentation from a telemarketing company. This being the case, I have the right to dispute these charges for up to XXXX year from the billing statement under claims and defenses.
Consumer complaint received 2017-08-31
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: CNG FINANCIAL CORPORATION (CA)

I took out a Payday installment loan with Check N Go. I have paid them in full but they have harrassed me for more than the original loan called for the last 2 months. 
They have now sold the loan to a debt collector who is now trying to collect on a debt that has been paid in full. 

Please help, XXXX XXXX XXXX XXXXXXXXXXXX
Consumer complaint received 2022-03-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
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. (NY)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2017-09-02
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. (MD)

I was a victim of identity theft and in turn there is an account that was fraudulently opened in my name. The account that I would like to dispute is with XXXX XXXX XXXX. This account was opened on XX/XX/XXXX - and currently has a balance of {$550.00}. In early XX/XX/XXXX, I disputed this account via XXXX XXXX and the findings came back unfavorable. I called XXXX XXXX XXXX on XX/XX/XXXX and explained that I have a debit card with XXXX XXXX XXXX, but no credit card. I was given the run around and transferred to numerous agents with no resolve.
Consumer complaint received 2024-10-15
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. (TX)

I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. 
I would like this item immediately re-investigated. the inaccuracies are highly injurious to my credit score. 
XXXX XXXX XXXX In accordance with the fair credit reporting act, public law 91-506, title VI, section 611, please provide the names and business addresses of each individual with whom you verified the account, so that i may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Consumer complaint received 2024-10-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Your repeated stall tactics and failure to conduct a thorough and reasonable investigation into these disputes demonstrate willful non-compliance with federal law. This lack of action is unacceptable and has caused me substantial financial and emotional harm. 
Let me be VERY clear : If these inaccuracies are not removed from my credit report within 15 days of this notice, I Request that XXXX, XXXX and Transunion pay an invoice for XXXX for violations of the FCRA, seeking damages for your willful non-compliance and negligence. This could result in significant financial penalties against your organization. Additionally, I am now filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) and informing my states Attorney General of your violations. Consider this your final opportunity to comply with federal law.
Consumer complaint received 2017-08-31
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: STATE EMPLOYEES CREDIT UNION (NC)

XX/XX/XXXX I received a letter from Senior Vice President XXXX XXXX. Regarding my complaints that I had submitted to the Consumer Financial Protection Bureau ( CFPB ). I did speak with XXXX XXXX regarding my credit card issues and also my credit score. Like I stayed in my LAST complaint. I had spoken with XXXX regarding a small loan and also to consolidate all of my debt including credit card before it was closed to a charge off. I clearly told XXXX XXXX I wanted to go ahead and pay on my balance. The credit union knowingly knew I was a 10 month employee per the original contract. So during the months of XX/XX/XXXX and XX/XX/XXXX I am temporarily unemployed. I have spoken abt this issue more than once. XXXX XXXX may have put notations in the system for internal employees. But what Im addressing is the fact that she did NOT reply to none of my emails except for the email that I demanded her to respond. I also received a call yesterday regarding my car payment which I have never been late until recently after I had submitted a complaint to the CFPB. I made it very clear that I was a 10 month employee with the credit union. The credit union did not take a payment out for the month of XX/XX/XXXX. Which me being a 10 month employee Im not supposed to have a car payment for those two months. I have been In contact with the credit union constantly since XX/XX/XXXX. I spoke with them regarding my vehicle, credit card etc. I spoke with a branch employee earlier this month I was not notified until the XX/XX/XXXX that a payment wasnt made. So now all of a sudden they have that Im a 12 month employee which is not correct. Everything that has been done is retaliation for me complaining to CFPB. The State Employee Credit Union is saying its there procedures to close someones account when they have suffered a loss. But I have been in constant communication with the credit union I stated more than once I had no intentions of not trying to pay off my debt. I also stated that I wanted to consolidate all of my debt into one payment!! This was before my credit card was a charge off. They have been lying to cover there end. I will not stand to be bullied from this financial institution. I have all of the paper work to back up everything that I am saying. And also a witness who went to the credit union with me trying to consolidate all of my debt. XXXX XXXX and also the other branch workers has been very difficult to work with. I have hired a lawyer and I intend to fight this in court!
Consumer complaint received 2024-10-13
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. (KS)

I am writing to file a formal complaint against the credit reporting agencies, including XXXX, XXXX, and TransUnion, for their failure to adequately handle disputes regarding incorrect information on my credit report. As a wounded veteran, I am particularly frustrated by their failure to properly investigate and remove medical debt that should not be reported. 

Over the past several months, I have attempted to dispute multiple inaccuracies on my credit report, including medical debt, which I believe should be removed due to its improper reporting. Unfortunately, the credit reporting agencies have failed to provide adequate information about the results of my disputes. In some cases, they have not conducted the required investigations as mandated by the Fair Credit Reporting Act ( FCRA ). Furthermore, there are times when these agencies have not allowed me to file disputes online, restricting my ability to correct the inaccuracies in a timely and convenient manner. 

Despite my good-faith efforts to resolve these issues, the credit reporting agencies have not fulfilled their legal obligations, and the inaccuracies remain on my credit report, causing me unnecessary harm and stress. As a XXXX  veteran living with the challenges of medical debt, this situation is particularly distressing, and I believe the credit reporting agencies are not adequately addressing my concerns. Specifically, some collection debts have not been verified by certain agencies but remain on the credit reports of others. Despite this inconsistency, these debts are not being properly investigated or removed across all reporting agencies, as required by law. 

I am requesting that the CFPB investigate these matters and hold the credit reporting agencies accountable for their failure to comply with the FCRA. Specifically, I demand that they be required to conduct proper investigations into my disputes, provide clear and comprehensive results, and remove inaccurate medical debt from my credit report.
Consumer complaint received 2024-10-13
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. (MD)

I urgently request the removal of this inaccurate late payment from my account. I've consistently made timely payments, and this entry is causing me undue stress. Please rectify this error promptly by updating my account.