davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

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 602 A. States I have the right to privacy.

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 instructions 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 2024-10-26
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 a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX Account Name XXXX XXXX XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: STERLING JEWELERS, INC. (GA)

I previously contacted XXXX XXXX through CFPB back in XXXX, they stated they needed 60 days to research. In XXXX of this year, they stated after the completed their investigation that the erroneous information would be removed from my credit file. It has been almost a month and this information still remains on my credit file and they have not removed the items as promised in a previous CPFB case ( XXXX ).
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

I am writing to formally challenge the erroneous addresses that persist on my credit report. Despite having submitted previous dispute letters regarding this issue, these incorrect addresses remain on file. I am hereby requesting their immediate removal from my report. These addresses are not associated with me and bear no relevance to my credit history. I have already provided the necessary documentation to verify my correct address and have requested the removal of these inaccurate entries. 
However, despite multiple appeals, these errors have yet to be rectified, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ). The continued presence of these false addresses may lead to confusion or inaccuracies that could negatively impact my creditworthiness XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX
Consumer complaint received 2023-07-19
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. (NY)

Yesterday, XX/XX/2023, I received an email from Experian that said that my XXXX XXXX had decreased by XXXX points. When I logged in to my Experian account, I was notified that just prior to that score decrease, there were XXXX new notifications regarding my Department XXXX XXXX XXXX XXXX 

XXXX notification said that my CREDIT USAGE increased 145.98 % with the previous limit being {$3900.00} to the new limit of {$18000.00} ( XXXX ). 

XXXX notification said that my XXXX XXXX increased from {$3900.00} to {$18000.00} ( XXXX ). 

The third notification said that I had a BALANCE INCREASE from {$4600.00} to {$27000.00} ( XXXX ). 

I have not made any new loans, nor consolidated loans anytime in recent years. 

I called XXXX to investigate. They said that their reporting style had just changed this month. And that they now report some loans as combined. The customer service agent said that they have done this with the intention to help improve some loan holders credit scores. It seems to have had the opposite effect on my XXXX XXXX. 

Since there is no real change in my loan accounts except for the way that they are being reported, I believe that Experian and other credit bureaus should not negatively alter my score. 

XXXX has suggested that I send a letter to Experian showing them a summary of my loans. XXXX calls this a Mortgage Letter because they usually provide this for loan holders who are also seeking mortgages elsewhere. I am attaching this here. 

It shows that the loans are still separate and no change has occurred in their amount or structure and that there are no new loans for years. 

Can you please help me get my XXXX points back? 

Best Regards, XXXX
Consumer complaint received 2024-10-24
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. (CO)

In accordance with the Fair Credit Reporting Act this account has violated my rights. 

XXXX XXXX XXXX  reported XX/XX/year> 15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2019-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

This loan is with XXXX XXXX I paid them on XX/XX/XXXX in full they gave me a receipt saying XXXX balance. They did not report to the credit bureau 's that the balance is paid in full I called XXXX XXXX twice to fix this the first time they told me to wait until the end of XX/XX/XXXX and it will update XX/XX/XXXX I call XXXX to report the incorrect information and the report came back that the information was correct and I sent the receipt from XXXX XXXX they still would not correct it. Here it is now XX/XX/XXXX and it is still showing balance XXXX and high balance XXXX on my credit report.
Consumer complaint received 2023-07-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION (FL)

On XXXX  filed a complaint with CFPB stating I was unable to close account due to being out of area for business for an extended time period. The CFPB case XXXX was then given a Truist case number # XXXX  and was assigned to XXXX XXXX XXXX. After reviewing the account issue, on XX/XX/, Truist officially responded and closed my account on XX/XX/. Also, in this response, I was sent a letter stating that the initial deposit of {$250.00} will be refunded back to me with a check within 7-10 business days to the address on file. On XXXX, I called Truist to inquire about the missing refund check and a supervisor told me that the account was closed but did not show the date when the check was mailed out. She also told me that she will contact me by the end of the day with a follow up. I did not get a call back. On XX/XX/, I sent an email to XXXX XXXX XXXX requesting for assistance with my refund check. I did not get a response email. On XXXX I called back to Truist customer service line and spoke to another supervisor and she told me that I would have to go into a local branch to receive my refund since they could not cut me a new check. She also told me that she will follow up with me at end of day to see what options they could do. I informed her that they could return it back the credit card that I used to fund the account or send it to my current location since there is no local Truist branch. That follow up call back did not happen so am reaching out to get this issue to move forward and be resolved.
Consumer complaint received 2019-02-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

This complaint is based on violations of the FCRA, the FDCPA On XX/XX/2018, I reviewed my credit reports and saw a collection account reported by Resurgent capital claiming they purchased a debt from XXXX  XXXX. I was never aware of this account and had no opportunity to dispute the debt prior to this period. 


___ On XX/XX/2018, I mailed to RESURGENT CAPITAL a demand letter pursuant to XXXX Chapter 93A and a request for validation of debt. I requested all of the required materials under FLORIDA. law 940 CMR 7.08 ( 2 ) and 209 CMR 18.18 ( 3 ). These materials include ( a ) all documents, including electronic records or images, which bear the signature of the debtor and which concern the debt being collected, and ( b ) a complete transaction history which reflects the date and amount of payments, balances, and charges concerning the debt. My letter also included the very same form letter provided on the website of the CFPB for consumers to request validation of an alleged debt. 

XXXX On XX/XX/2018, resurgent CAPITAL received my letter via certified mail. 

___ At no time did they validate the debt by providing the required materials under Massachusetts law, nor did they provide the answers and documents as prescribed by the form letter issued from the website of the CFPB. 

___ I disputed the account thru the credit reporting agencies. My dispute included that ( a ) I had no knowledge of the account and ( b ) that resurgent capital failed to validate the debt as required by [ florida LAW ] and the Consumer Financial Protection Bureau. 

___ Between the dates of XX/XX/2018 XXXX, I received the results of the investigations from the credit reporting agencies, where XXXX had falsely verified the account, despite their failure to validate the debt as required by FLORIDA law and the FDCPA. 

CFPB Complaint Resurgent capital failed to validate the debt as required by state and federal law can only be construed that they do not possess the required materials to support its claims that they are owed this debt, including the accuracy thereof. 

I do not have a signed contract nor any contract with this company. Iam not liable for the collection from this debt from XXXX XXXX XXXX or resurgent capital. Iam not responsible for debt and this debt  needs to be removed from my all credit reports. 

I WANT THIS REMOVED FROM ALL CREDIT REPORTS. 
THIS COMPANY IS REPORTING FALSE INFORMATION
Consumer complaint received 2024-10-17
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: KEYCORP (FL)

I XXXX, XXXX XXXX XXXX Good Faith on behalf of XXXX XXXX XXXX /Principal I hereby instructed CFO ( XXXX XXXX ) of KEY BANK to apply Principals Balance to Principals Account each and every billing cycle for set-off ( complete performance ). 
Residing at XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) I have Tendered the Payment for the ( Advance Rent ) that is being held at KEY BANK to be Transferred to the Principal Account making KEY BANK now subject to ( Non-Acceptance ) ( Breach Of Contract ) now forcing any cash payments that is made are ( under duress ). I also requested a Prompt Refund on ALL UNEARNED INTEREST once the account is corrected and performed. 
15 U.S.C 1615 I have not received a Letter in the mail or correspondence which is KEY BANK ClearLY Neglecting to perform there fiduciary duties causing more damages to Principal / XXXX XXXX XXXX. I am very Unhappy with the Management and Service KEY BANK is providing. 
XXXX XXXX Without Recourse Pay To The Order Of XXXX XXXX XXXX/ Principal XXXX, XXXX XXXX XXXX
Consumer complaint received 2024-10-24
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. (GA)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : 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 looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, 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 shall ( i ) 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. 

And according to 15 USC 1681s-2 they are suppose to 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 2023-07-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (AZ)

CASE # XXXX respondent states records are only kept for Twenty Years. NO record found. This CD was issued in XXXX it is now XXXX FIFTEEN YEARS! bankers that can not do ample math. With no record found, it is easy to conclude someone has reached the record! Is that the one who has the {$20000.00} Dollars? Something needs to be investigated here. The simple answer would be that I have the funds with documentation to back it up. They simply state no record. Anyone with reasonable intelligence would conclude some impropriety has occurred. Please find a definitive answer other than " Who Knows ''/ sincerely XXXX XXXX
Consumer complaint received 2023-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TN)

On XX/XX/2023 I wrote a letter to all 3 Credit Bureaus concerning a Auto loan from XXXX XXXX. In the letter I asked them to please verify the information being reported because it was being reported with the wrong amount showing after the car had be sold. Well after waiting 45 days I called each reporting bureaus only getting through to 2 out of the 3 with them saying that the balance has been updated which is hasn't. According to the Fair Credit Act if wrong information is being reported even if it is off by a XXXX XXXX XXXXXXXX of dollars. It's causing me financial damage so my question is shouldn't it be removed? I just believe these bureaus have become untouchable and feel like they are able to do whatever they want.
Consumer complaint received 2019-02-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (MI)

REFERENCE:XXXX I applied for a PayPal credit card it said that I would receive a letter in the mail with your decision I received a letter and it says you could not approve me but not for a normal reason you're only reason listed was that you claim you're unable to verify my identity I have to say I'm shocked how is that possible in XX/XX/2019 first of all I have a PayPal account that with bank accounts and credit cards attached to it and all my personal information but in addition to that when filling out the application if I recall you asked for Social Security numbers date of birth I'm just not certain what more information I could have given you how is it possible that you can't verify my identity? Nobody called to ask me other questions you haven't asked for anything I mean I have a Michigan State ID obviously the state of Michigan can verify my identity I also have a passport that's been used to travel all over the world obviously the federal government can verify my identity do you need copies of those things I was born in Missouri I can even give you a copy of my birth certificate but the fact that you didn't even ask for anyting makes me sit here and just wonder and shake my head I mean I'll be honest it almost feels like you're discriminating against me for some reason what have I possibly definition and I'm assuming you pulled one of my credit reports which would have confirmed all the information I have provided
Consumer complaint received 2019-02-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Asset Management Outsourcing, Inc. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious XXXX XXXX   XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2023-10-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (OH)

On XXXX XXXX I was involved in a scam/ fraud due to imposter & authorized push scam/ fraud of {$500.00} payment through XXXX. Immediately after I sent payment I contacted my bank and told them about what happened and they told me its unlikely I will get my money back.
Consumer complaint received 2019-02-11
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (AR)

While my husband was on XXXX XXXX I had took out a Parent Loan using SallieMae as the loaner for our son who was going to school at XXXX XXXX College. The loan amount was for XXXX. Since then, the loan amount has grown absorbently to XXXX because of large fees. I had been in constant contact with Navient which had purchased the loan from SallieMae, in order to pay off the loan. We have been paying a monthly payment which has created some hardship for us. We decided to be a good steward of our money and pay it off and they considered it saying they would check with the CEO, but I was told that we had to have the money available to send. With that in mind we refinanced our home and offered them XXXX as a settlement amount. Our home loan then went up because of that word. Back in contact with Navient they then said they would not take less than the full amount of the loan. THey have lied to us, harrassed us on the phone and have made us live stressful.
Consumer complaint received 2019-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Conn's, Inc. (AZ)

In XXXX of 2018, I issued a payment to XXXX XXXX for my credit account. The payment was returned due to fraudulent charges on the account. Conns sent an email stating that they would re-draft on the next business day and never did. I called numerous times to follow up and was told not to worry they were on it and I would not receive a 30-day late mark on my credit report. ( The original payment was made close to the 30-day late mark. ) More than a week and I finally get a representative that says they never redrafted the payment and that it was still due - so I made the payment and asked about my credit. I was told that any negative marks would be removed and that I was going to be ok.

Fast forward 3 months and my credit score drops close to 100 point due to Conns reporting as late. They reported differing months that the late was in on each of the reports ( one report shows late in XXXX, one shows the late in XXXX ) and have also inflated the balance ( current balance is XXXX - they are reporting XXXX ) I have tried through numerous avenues to resolve this issue. Had they redrafted as they put in writing that they would the late would have not been reported to the bureau. I am not disputing that the payment was past due - just how they are handling it They have stated that they do a " courtesy '' fix once the account has been open a year, but they are not taking into account the 3 years I have been a customer. 

There are several complaints against this business for this practice and for the inaccurate balance reporting. They are taking advantage of people and will not do anything to make their mistakes right.