davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-05
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: HUNTINGTON NATIONAL BANK, THE (OH)

XX/XX/year> XXXX XXXX # XXXX {$320.00} XX/XX/year> XXXX XXXX {$63.00} XX/XX/year> XXXX XXXX  {$190.00} XX/XX/year> XXXX XXXX {$31.00} XX/XX/year> XXXX XXXX XXXX {$28000.00} XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX {$120.00} XX/XX/year>XXXX XXXX XXXX XXXX XXXX {$37.00} All of these charges were not made by me and were actually in other states! I disputed all of the charges and yet the bank sent a letter stating that they conducted an investigation and the charges were not fraudulent, even though they definitely were. I have never shopped at any of these places.
Consumer complaint received 2024-11-20
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. (PA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-09-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (TX)

I purchased my XXXX XXXXXXXX XXXX on XX/XX/year>. My first payment of {$650.00} was not due until XX/XX/XXXX as stated in my contract. I made an advanced payment on XX/XX/XXXX of {$650.00}. {$210.00} went towards finance charges and {$430.00} went towards the principal. I was told Id be paying {$210.00} to finance charges each month which was verified by a customer rep. 

I then made an advanced {$470.00} payment on XX/XX/XXXX. That entire payment of {$470.00} went all to finance charges and nothing to the principal. I called several times to have the {$430.00} allocated towards the principal. On XX/XX/XXXX {$0.00} were allocated. I called again for reallocations but nothing was reallocated ( I was told by a customer rep that the request was not put in by the previous rep I spoke with ). I put in another request for reallocation of the {$430.00}, & again on XX/XX/XXXX {$0.00} was reallocated. 

I had a balance of {$210.00} Due for the month of XXXX, and I paid another {$430.00} on XX/XX/XXXX. That {$470.00} payment also all went to finance charges as well. I called to get those charges reallocated as well. Since then none of the ( 2 ) {$430.00} payments have been reallocated to the principal. And I am now receiving calls and messages saying that I am late and past due on my payment when that is not the case. 
In total I have paid {$650.00} XX/XX/XXXX ( My payment wasnt due until XX/XX/XXXX ) {$430.00} XX/XX/XXXX {$430.00} XX/XX/XXXX The allocation has still not been resolved and needs to be resolved. All of my payments after the first initial payment are going strictly towards finance charges and none towards the principal & Ally is claiming I have not made any payments and I am behind. The company has refused to allocate funds although verified by a customer rep that I only pay {$210.00} of interest each month. 

I called -Customer Service XX/XX/XXXX 3 times XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX -Collections ( I was auto transferred here due to them saying I havent made a payment ) XX/XX/XXXX ( Supervisor was suppose to call me XX/XX/XXXX, Supervisor did not call. ) & XX/XX/XXXX 2 times In summary, despite making multiple advanced payments on my 2024 XXXX XXXX loan, Ally Bank has failed to properly allocate my funds toward the principal balance. I have paid a total of around {$1500.00}, around {$1000.00} of these funds have only been applied to finance charges instead of reducing the principal, as they should have been. I've called customer service multiple times, and despite reassurances and requests for reallocation, none of the payments have been properly adjusted. Now, I am being inaccurately reported as late on my payments. I am requesting immediate resolution of these allocation errors and accurate adjustment of my loan balance, including the proper application of my payments to the principal as confirmed by customer representatives.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Esusu, Inc. (GA)

Date XXXX of XXXX to XXXX of XXXX Esusu promised to report my on time payment to all 3 Credit bureau this never happen .I haven't seen any change in my credit for over 2 years now
Consumer complaint received 2023-10-10
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. (CA)

I am writing to convey my ongoing concern regarding erroneous late payment entries on my credit report. Despite multiple requests for resolution, this issue remains uncorrected. I want to stress that these late payment entries are inaccurately recorded, and I have provided substantial evidence confirming my consistent and timely payments to XXXX XXXX XXXX XXXX. Despite my previous attempts to rectify this matter and the supporting documentation I have submitted, the incorrect late payment entries continue to appear on my credit report. I kindly request that you take the necessary steps to rectify and remove these inaccurate late payment entries from my credit report. Please ensure that this account is corrected.
Consumer complaint received 2024-09-05
Product: Credit 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: CITIBANK, N.A. (FL)

On XX/XX/year>, I received a text message claiming to be from Florida XXXX, alerting me of a balance due of {$19.00}. I followed the link and paid the stated amount using my Citi AA Advantage Platinum Select credit card, later realizing the transaction appeared suspicious. On the morning of XX/XX/XXXX, at XXXX XXXX, I called Citibank to alert them of the potential fraudulent situation ; at that time, the charge was pending. I was told no action could be taken until the charge posted. Had Citi taken action at this time, the following situation could have been avoided. 

On XX/XX/year>, I checked my account and discovered that my card had been charged {$730.00} in unauthorized charges on the day of XX/XX/XXXX across multiple states where I had not been. At XXXXXXXX XXXX on XX/XX/year>, I promptly reported the fraud and had my card canceled. I opened a dispute for these charges, as Citibank states and markets on multiple places on their website that customers have zero liability for unauthorized use of their credit cards. Later, I discovered despite cancelling my card on the XXXX, an additional unauthorized charge appeared on XX/XX/year>, in the amount of {$30.00} -- again from a location where I had not been nor received any benefit from the charge. This resulted in a total of {$760.00} in unauthorized charges on my card that occurred between the dates of XX/XX/XXXX and XX/XX/year>. 

On Tuesday, XX/XX/year>, at XXXXXXXX XXXX, I checked my Citi credit card account. I noticed that the " dispute in progress '' flag on the unauthorized charges had been removed. I called Citi for an update on the dispute resolution. It was at this time that Citibank told me that they were denying my dispute, citing that because I likely fell victim to a scam, I was liable. Had I not called, I would not have realized the dispute had been denied as Citi did not provide me with any timely digital communications or updates on the matter. 

According to the CFPB 's definition of unauthorized use, I did not authorize any of the {$760.00} in unauthorized transactions, nor did I receive any benefit from them. I notified Citibank immediately after suspecting my information had been compromised. Please see attached file demonstrating the unauthorized charges on my account, highlighted in yellow.
Consumer complaint received 2024-09-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Submitted information in regards to claim # XXXX on XX/XX/XXXX via email to XXXX like another email prior that was sent to me. Capital One emailed me on XX/XX/year> denying my claim stating I did not give them any information to support my claim that information. And for one part of this claim it states they did a review and information was given by the merchant to show {$100.00} out of the claim is valid but did not provide that information in writing or any way for me to refute it.
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2024-08-05
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: NAVY FEDERAL CREDIT UNION (VA)

I was summoned to court for being sued for credit debt from when I was XXXX. I am now almost XXXX XXXX XXXX and I believe that being I am in the state of XXXX, this debt has reached the statute of limitations and I should not be sued for this debt.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

I am a victim of identity fraud theft i have notified all XXXX credit bureaus since XX/XX/XXXX and continue to be victimized. Here are the following accounts : XXXX, XXXXXXXX XXXX XXXXXXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (GA)

As per the Fair Credit Reporting Act 15 USC 1681 section 602 ( a ), it emphasizes the necessity for consumer reporting agencies to carry out their duties fairly, impartially, and with due regard for consumers ' privacy rights. Notable among these agencies are XXXX, XXXX, and XXXX, where I act as the consumer. Protecting my confidential data from disclosure is paramount, as reinforced by 15 USC 6801, which underscores financial institutions ' obligation to uphold customer privacy and safeguard their nonpublic personal information. Under 15 USC 1681 section 604 ( a ) ( 2 ), it's stipulated that consumer reporting agencies may provide consumer reports only under specific circumstances, primarily upon receiving written instructions from the concerned consumer. Neither the financial institution nor the consumer reporting agenciesXXXX, XXXX, and XXXX my consent to furnish my information, particularly without written authorization. Any form of consent given to these agencies or information providers to credit agencies, whether explicit or implied, is hereby revoked. Furthermore, 15 USC 6802 ( b ) ( c ) mandates that financial institutions can not disclose nonpublic personal information to nonaffiliated third parties without explaining how consumers can opt out of such disclosure. However, the information provider to credit agencies failed to inform me of my right to exercise this option. Additionally, 15 USC 1681c ( a ) ( 5 ) prohibits consumer reporting agencies from including certain adverse information in consumer reports without proper authorization. The inclusion of the account without my consent constitutes an adverse item, violating the law. According to 15 U.S. Code 1681s2 ( A ) ( 1 ), furnishing inaccurate consumer information to consumer reporting agencies is prohibited. XXXX, XXXX, and XXXX also fail to maintain reasonable procedures to avoid violations of consumer reporting standards, as mandated by 15 U.S. Code 1681e. Lastly, 12 CFR 1016.7 asserts that consumers have the right to opt out of reporting services at any time. Therefore, I am exercising my right to opt out of your reporting services.

I am writing to formally dispute the reporting of a charged-off account on my credit report, specifically the reporting of a Form 1099-C issued for the account. I believe there has been an error in how this information has been handled and reported.

According to IRS Publication 4681, " Canceled Debts, Foreclosures, Repossessions, and Abandonments, '' Form 1099-C is used to report the cancellation of debt. It is important to note that while this form reports the cancellation of debt, it is not necessarily a declaration of taxable income in every instance.

The IRS publication outlines that a Form 1099-C is considered a certificate of indebtedness and Income can not be reported.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Tally Technologies (NY)

XXXX has been reporting a dlinquant account under my credit report which I do not recognize and no other Bureau show either. I have disputed the information on : XX/XX/XXXX to which they responded in XX/XX/XXXX - only responding that the line of credit from that company ( TALLY TECHNOLOGIES INC ) has certified the existence of the account - but didn't not provide any document. 
After calling to no avail, I reponed another dispute on XX/XX/XXXX, which resulted in TALLY charging off the account in XX/XX/XXXX. 
I reopened the dispute in XX/XX/XXXX and now XX/XX/XXXX to absolutely since the account still continues to produce additional charges that keep impacting my score with no resolution or element of proof from either XXXX or Tally. 

I have no idea what/who is TALLY ; and my XXXX score is in the XXXX for the past year and a half when it was in the XXXX before that fraudulent account. 

More info on the aforementioned account : Account info Account name TALLY TECHNOLOGIES INC Account number XXXX Account type Line of Credit Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$1.00}, XXXX written off. {$390.00} past due as of XX/XX/XXXX. 
Status updated XXXX XXXX Balance {$1500.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance - Highest balance {$1500.00} Terms - On record until XX/XX/XXXXXXXX XXXX XXXX
Consumer complaint received 2024-09-18
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: Tally Technologies (NY)

I have tried to reach out to XXXX and the new loan servicer XXXX and XXXX. I have not received any information on how to pay either company. I was told I would get information for systems and technologies that would allow me to log into my account and pay the first or second week of XXXX. I still have not received any information and can not pay my loan. I do not have any options with either company to pay my loan. This is a violation of my rights.
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am reaching out to formally dispute the inclusion of a bankruptcy on my credit report, as this entry is inaccurate. I have a letter directly from the court that clearly confirms this bankruptcy should not have been reported to your agency or reflected on my credit report. Despite this official documentation, the bankruptcy still appears on my record, which is both alarming and unjustified. Additionally, the involvement of an unauthorized third party in this matter further complicates the situation and raises concerns about the accuracy and security of my personal information. This makes the issue even more serious, as it not only reflects an error in reporting but also a breach of trust regarding the handling of my sensitive data.
Consumer complaint received 2024-08-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: OneMain Finance Corporation (PA)

On XX/XX/XXXX, One Main Financial ( " OMF '' ) employee XXXX sent me 4 text messages from their number XXXX, regarding our ( my wife, XXXX XXXX and I, XXXX XXXX ) payment due on XX/XX/XXXX, which is scheduled to be paid on XXXX. XXXX failed to disclose that " such communication was an attempt to collect a debt, and any information would be used for that purpose. '' I responded on XX/XX/XXXX, informing them that failure to provide this regulatory disclosure was a violation of my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ). I also informed them I would be filing a formal complaint with the FTC and the CFPB. 

They then tried to call me on my work number ( ending in XXXX ) when they have never been provided consent to call me at that number and I am unable to receive personal calls there. 

Since then, another OMF employee, XXXX, texted XXXX XXXX twice on XX/XX/XXXX and XXXX, to collect this debt but didn't provide the required disclosures.
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: OneMain Finance Corporation (NC)

I looked at my report on XX/XX/year>, and noticed some things are incomplete and not accurate. According to 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. This account, XXXX XXXX ( # XXXX ), is not complete and acccurate. And XXXX more thing aaccording to 15 USC 1681s-2 A person shall not furnishany information relating to a consumer to any consumer reporting agency if the person knows or had reasonable cause to believe that the information is inaccurate. Check the attachments below.
Consumer complaint received 2024-08-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (IL)

It has been over 30 days, and the creditor has failed to update the information or provide any proof or documentation regarding a late payment. They have neglected to supply this information, and as such, they must delete the alleged late payments from my credit report immediately. 

Under federal law, they had 30 days to complete the investigation. Their failure to comply with this requirement mandates the immediate deletion of this item from my report. 

This matter is non-negotiable and must be resolved without further delay.
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I sent a couple of dispute letters to TransUnion stating that they have the wrong name on my file. I explained that they have me listed as XXXX XXXX XXXX XXXX and that I am not a XXXX or XXXX and that i have not ever used this suffix while applying for any credit or insurance, and that I do not have a son or daugter. I requested that they have the credit card issuer send me the contract where this name was used, so that I could ave it for my personal records and to file an identity teft and fraus claim. I shared with them my identification card, my credit cards, and my debit cards with my signature as well as my correct name as it should appear on any paperwork concerning me, and they responded by stating that the information was verified and it remains on my report as of today. This is not the only issue that I have had with them concerning my consumer report, but they have always responded that the information had been verified. I will file other complaints soon, because it is clear that they are not investigating and truly verifying the information that I have requested from them even though I explained that I would file a complaint with the CFPB if the issues were not resolved.
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: OneMain Finance Corporation (NC)

I looked at my report on XX/XX/year> and noticed some things are incomplete and not accurate. According to 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. These account, XXXX XXXX ( # XXXX ), is not complete and acccurate. And one more thing aaccording to 15 USC 1681s-2 A person shall not furnishany information relating to a consumer to any consumer reporting agency if the person knows or had reasonable cause to believe that the information is inaccurate. Check the attachments below.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NY)

I have been trying to submit a request from my XXXX XXXX credit card. They are only reporting this card to XXXX  and XXXX. I sent several requests to please report it to equifax as well. I tried contacting the credit department as well and was told it is reporting. That is wrong information. My card has been paid off in full and I would like them to report this to all 3 credit reporting agencies. As it would help increase my score.
Consumer complaint received 2024-11-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (IA)

I was directed to contact mediation regarding my issue with Wells Fargo, which requires a specific " referral number '' to proceed. After waiting on hold with Wells Fargo for over XXXXXXXX XXXX, the call was disconnected without resolution. Additionally, mediation has refused to speak with me, effectively allowing the case to close in compliance without addressing my concerns. 

This experience is deeply frustrating and reflects a lack of commitment to genuine customer service. I am therefore compelled to continue requesting assistance in addressing XXXX XXXX operations in the XXXX of Iowa, as the issue remains unresolved.