davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-26
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: NRA Group, LLC (PA)

NATIONAL RECOVERY AGEN ( Original Creditor : XXXX ) on XX/XX/2023 I legally requested for this company to verify that a debt that they claim that I owe is 100 % accurate, and i will pay in full. If not 100 % accurate i requested for the debt to be removed and Permanently Deleted from my credit reports if not verified to being 100 % accurate. It is now 5 months later and i am receiving several stall tactics as to why it has not been removed from my credit file. I am demanding that this account be removed immediately as it has not been verified as to being 100 % accurate.
Consumer complaint received 2023-10-01
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. (FL)

I am reaching out to challenge an inconsistency identified in the " PAYMENT HISTORY '' section of my credit report, specifically in relation to the following account that has been charged off : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. 

Upon review, I have observed that this account continues to be reported as having a monthly payment history, even though it should not due to its charged off status. This constitutes a direct breach of the Fair Credit Reporting Act ( FCRA ) as it inaccurately influences the statute of limitations. 

Under the Fair Credit Reporting Act, Metro 2 Compliance Guidelines, and other pertinent Consumer Protection Laws, I, as a consumer, hold the right to have accurate, current, and complete information on my credit report. I trust that all reporting agencies, including yours, abide by these obligations. 

Due to this apparent oversight, I insist on the immediate removal or " DELETION '' of this incorrect information from my credit report. Please provide me with a revised copy of my credit report once this correction has been made. 

I appreciate your prompt attention to this crucial matter. 

Yours sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (KY)

On XX/XX/2020 I tried to temporarily lift my credit freeze with Experian. I was not able to do so in a timely manner which could cause me to miss out on a home refinance that has been approved and could save me thousands of dollars. Experian would not let me execute the temporary lift over the phone or Internet. They are requiring that I send in the request via mail. My home refinance is supposed to close on XX/XX/2020 but the bank cant close until they pull my credit report again. Again, because of Experian this may not happen. The other two credit bureaus have processed the temporary lift.
Consumer complaint received 2020-05-30
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

This is the letter I wrote to my bank in response to the merchant : Account number ending in : XXXX Case number : XXXX It is difficult to respond to the merchant because the merchant has made no effort to investigate the return. The merchant has included a copy of the original online invoice. There is no dispute that an order was placed. 
The merchant has included proof of delivery. XXXX confirms that the billing, and shipping address match. Again, there is no dispute that an order was placed, and delivered. The issue at hand is that XXXX has made a simple transaction into an unnecessary ordeal. They have failed to issue a return for their product. One that was returned in a timely manner according to their own instructions, using their own carrier. 
I placed the order on XX/XX/XXXX. I have a XXXX, and decided to gift it for XXXX because there was free return shipping ( see image 1 ). 
I had contacted XXXX by phone to inquire about the return. I was told that I would receive an email if I could return the items. On XX/XX/XXXX I received an email from XXXX ( see image 2 ).  Shortly after I received an email from XXXX with the return label ( see image 3 ). 
There is no tracking information in this email. It is presumably because of the length of time that has passed. The tracking number on the label I printed out was : XXXX ( see image 4 ). This USPS return label ( in partnership with XXXX ) provides a tracking history that proves that the return was in the possession of USPS on  XX/XX/XXXX at XXXX XXXX. By XX/XX/XXXX it was picked up, and processed by the shipping agent ( see image 5 ). The date today is XX/XX/XXXX. There are no circumstances by which this sort of mishandling should be excused. 
There is definitive proof that the XXXX items were returned according to the merchants return policy. The fact is that when I had been in contact with XXXX, they showed zero initiative in assisting their customers, so I am incredibly disappointed. I will be sure to make note of my experience to the XXXX XXXX XXXX, and will resort to the Consumer Financial Protection Bureau if this issue is not resolved by the merchant, or the bank. 

Even though I had provided them with all the necessary information they did not issue me a credit because they sided with the merchant.
Consumer complaint received 2023-04-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (NC)

My problem is with synchrony bank I have accounts with QVC HSN and XXXX  which I have had for several years I have always pay these companies on time never late Recently the bank started to send QVC items on my account denying payment so that had me double paying in other words I am paying the bank and the store In the past few days XXXX  send me a list of some items and have threatened to send to collections that the bank has sent to them It has me paying the card and the company Synchrony is engaging in illegal business practices Please help me I am an honest person that pay my bills on time This is not right what they are doing
Consumer complaint received 2023-04-10
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: EQUIFAX, INC. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-05-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Neon Newco Corporation (AZ)

XXXX XXXX XXXX account is locked and unable to add or withdraw money. Customer service is unable to assist with this issue. I have talked to many managers since Tuesday XX/XX/2020. When calling the support number in the mobile wallet app, it connects you to NETSPEND. NETSPEND is not familiar with the XXXX XXXX XXXX account or mobile wallet. 
When you call XXXX they will tell you they can only help with there physical products like tvs and phones.
Consumer complaint received 2023-04-10
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: EQUIFAX, INC. (TX)

This complaint is a formal notice that you have failed to resolve my dispute or contact me within 30 days of receiving my initial letter. One of the rights under the Fair Credit Reporting Act states a Credit reporting agency MUST update inaccurate accounts. You have had thirty days to investigate this claim. Under the FCRA my dispute MUST be resolved in thirty days. 

Please verify these accounts : XXXX XXXXXXXX Balance : {$26000.00} XXXX XXXX XXXX XXXX : {$760.00} XXXX XXXX Balance : {$1500.00}
Consumer complaint received 2020-05-30
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. (KY)

THIS IS NOT A REPORT OF IDENTITY THEFT XXXX  has ignored ALL previous attempts citing that the use of Law verbatim, formatting, and font implies that my dispute communication is from some other party than myself. This is very frustrating, I am attempting to purchase a home. 

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. DEROGATORY ACCUSATIONS INCLUDING ALLEGED INQUIRIES MUST BE METRO 2 COMPLIANT TO RETAIN OR REPORT SO DELETE ANY NOT PHYSICALLY WITH PROOF OF PERMISSIBLE PURPOSE FROM THE EXACTLY AND LEGALLY IDENTIFIED ME.I DO NOT AUTHORIZE YOU TO REPORT NOT PROVEN COMPLIANT INFORMATION AND YOU MUST COMPLY. 


I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items are listed below. The following item is inaccurate and negatively affecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. In addition, there are a number of credit accounts that have been inactive for more than seven years. As you know, the FCRA states that all credit older than seven years should be removed from my report. Therefore, the following accounts should be removed : Creditor : XXXX XXXX - Account : XXXX Creditor : XXXX XXXX XXXX  XXXX XXXX - Account : XXXX Creditor : XXXX   - Account : XXXX Creditor : XXXX XXXX XXXX - Account : XXXX Creditor : XXXX XXXX XXXX  XXXX  - Account : XXXX Creditor : XXXX - Account : XXXX Creditor : XXXX  - Account : XXXX Creditor : XXXX XXXX XXXX - Account : XXXX Creditor : XXXX XXXX, XXXX - Account : XXXX Creditor : XXXX XXXX - Account : XXXX This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay this creditor.
Consumer complaint received 2023-10-01
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. (NY)

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an Experian & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.
Consumer complaint received 2020-05-30
Product: Vehicle loan or lease — Loan
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Santander Consumer USA Holdings Inc. (FL)

Santander Consumer USA does not report my monthly car loan payments to XXXX, XXXX  and XXXX. Nothing shows on my credit report about any payments being made to Santander Consumer USA.I have been paying Santander {$340.00} a month  since XXXX and no payments have been reported.I have contacted them twice. The first time ( XX/XX/20 ) they told me they always report everything. The second time ( XX/XX/20 ) they told me he didn't know if they reported it and he didn't have access to see it.
Consumer complaint received 2020-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (PA)

As of XX/XX/2020, the Credit Report still reflects inaccuracies in terms of account status. I have tried rectifying this with AES and XXXX, and I have yet to see any changes. 

Because AES has failed to act on these reports, the beginning stages of a Civil Suit have begun on my part. Unless you respond to this complaint within no less than 72 hours with an actionable response to correct the information on the Credit Report, further motions to sue PHEAA/AES will commence.
Consumer complaint received 2017-08-22
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (NC)

Navient refused to work with me on a repayment plan. I called them XXXX of XXXX? or XXXX, I ca n't remember but after they refused my payments and to work with me, they did a forbearance and said I have to start paying back XXXX XXXX. I have a CHILD! mortgage, power, water, gas, phone, car, car insurance, credit cards etc. I ca n't believe Navient does n't take into consideration all these bills I have ( i 'm sure i 'm not alone in this either ) but why dont they take mortgage into a consideration? I have a child who HAS to go to after school so I can work, do they not take that into consideration either? I ca n't stop all my bills just so they can get theirs. I have to have means of living and it XXXX me off Navient did n't work with me at the time I asked so I had to ask for MORE forbearance before I have to start paying back my student loans. I even offered to pay XXXX or XXXX a month and they refused it. I 'm wanting and offering to pay back as much as I could and it blows my mind, they say, " no ''. Who does that? I would 've NEVER gone to college if I knew it was going to be this much of a pain to pay back loans and even them wanting SO much a month. It 's crazy. I have a life to live and it 's not to put all my money towards student loans. Things change, life changes and they should work with the person to be able to afford within their means. I want Navient to accept my monthly payments as well as get rid of the interest that have piled onto my loan since they did n't want to accept my offer. As a matter of fact, when I had to start paying back my loans ( ca n't remember the year ), they denied it at that time too. So for however long i 've been holding off on my loans, I want all that interest taken off because I tried to pay it back more than once and they refused.
Consumer complaint received 2023-10-02
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. (OH)

In accordance with the fair credit Reporting act the following XXXX Accounts has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX collection It also states 15 U.S.C 1681 section 602 A. states I have the right to privacy. 15 U.S.C 1681 section 602 A section : 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 conviction 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 2020-05-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FISERV INC. (AL)

The fee schedule dated XX/XX/XXXX on the dash board for my account states that the use of out of network atm and declines will result in a fee of XXXX. Since XX/XX/XXXX they have been charging me XXXX. I called XXXX XXXX  and inquired about the fee for out of network atms and was told it was XXXX when I said that I was being charged incorrectly they told me they were wrong. I then asked why did the fee schedule on my dashboard say the same thing. He could not answer. I spoke to his supervisor and was told that I must be looking at the wrong account. Only have 1. I then asked for his supervisor who would not listen asked for her manager and she put me back in the queue. All of this took place on XX/XX/XXXX.
Consumer complaint received 2023-04-10
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: EQUIFAX, INC. (MS)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$2600.00} ; XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2020-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Diversified Adjustment Service, Inc. (MI)

Have tried to contact DIVESIFIED ADJUSTMENT SERVICES INC to settle an account placed on my credit reports dated on XXXX XXXX ( XXXX  XXXX  ) with a total balance of ( XXXX ) upon looking at thier website in my accounts summary is NOT the account refrenced and placed on my credit reports but an account balance of ( XXXX ) previously and sucessfully disputed and removed.
Consumer complaint received 2020-05-30
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Bank of America closed my debit card and blocked funds received for my unemployment from transferring to my bank. Contacted the bank for 4 days no one can explain what the issue is and my money is still on hold.
Consumer complaint received 2020-05-30
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. (FL)

In XX/XX/XXXX I was laid off from work.. As one can expect I fell behind in my payments to creditors. I notified all of them explaining my situation and asked for forbearance. All were willing to work with me except XXXX card and XXXX XXXX ( mortgage company ) I was able to return to work in XX/XX/XXXX. However, I was forced to relocate 4 hours away from my home.. So now more than ever my credit became crucial. 
I immediately began to make as many payments as soon as it became possible.. However, XXXX not only refused to give me forbearance.. They also refused to acknowledge that I made a payment of {$440.00} within the grace period for XX/XX/XXXX which I have documented proof that I did. They deliberately posted my payment as late on XX/XX/XXXX after I made an online payment on the XXXX just to show my account as 90 days late. 
If that isnt bad enough they signed me up for autopay without my consent therefore committing FRAID. So in XX/XX/XXXX when I made a payment of over {$1700.00}. They proceeded to withdraw an additional {$440.00} a few days later ... 
When I confronted XXXX and accused them of FRAUD and GRAND THEFT. They responded by saying that they would return the {$440.00} plus any overdraft fees that they caused. 
They did in fact return the {$440.00} all but admitting to my complaint to charges of FRAUD and GRAND THEFT. but did not include any overdraft funds.. 
I have since reported this to XXXX  on multiple occasions and they refuse to remove this from my credit report..