davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-21
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (CA)

A {$500.00} purchase had been disputed with Bloomingdales because of non-receipt. A claim had even been submitted with XXXX, and it had been determined that the product had been lost and the {$500.00} was removed from balance. After over a year- Bloomingdales put it back onto my account, and even after monthly calls of being told that it was NOT my responsibility, and to ignore my statements, they began charging interest and reported negatively to all my credit bureaus. I have communicated with collections, citicard, bloomingdales customer services, supervisors, and they had ALL said to ignore the statements, AND told me they were removing charges and it would NOT affect my credit.
Consumer complaint received 2016-08-11
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (CA)

EQUIFAX , after investigation is incompetently reporting inaccurate information on XXXX XXXX ACCOUNT XXXX XXXXEquifax verified false and damaging information, contrary to THE FCRA, ACCORDING TO THE ATTACHED REPORT. 
IT IS OBVIOUS, ON THE FACE OF THE RECORD THAT AN ACCOUNT CAN NOT HAVE A CURRENT STATUS OF 120 DAYS LATE, IN ADDITION COMMENTS THAT IT IS 180 DAYS LATE WHILE AT THE SAME TIME REPORTING A PAYMENT OF {$3800.00} PAID IN XXXX OF 2011 AND THAT THAT ACCOUNT WAS PAID AND CLOSED BY MAKING THAT PAYMENT OVER 5 YEARS AGO. 
THE STATUS OF THE ACCOUNT IS PAID.DUE TO THE INTENTIONAL FABRICATION OF FURNISHER AND BUREAU AND THE FACT THAT I HAVE ALREADY ENDURED AN INVESTIGATION THIS ACCOUNT MUST BE DELETED ACCORDING TO FCRA. 
THE FACT THAT IT IS A PAID STUDENT LOAN SHOULD HELP IN THE COURTROOM TO OBTAIN DAMAGES FROM BOTH EQUIFAX AND THE FURNISHER ( A GOVT.PROGRAM LOAN ADMINISTERED BY PRIVATE BANKING. )
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. (VA)

Reported bankruptcy ( XXXX ) on my credit report as well as personal and inaccurate personal information on my credit as well as shared or reported personal data on my consumer reports without my knowledge or consent by XXXX party credit agencies all three XXXX XXXX XXXX and equifax after I opted out and issued each agency a cease and desist several times
Consumer complaint received 2016-01-21
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP (MN)

This will be the 3rd or 4th complaint from me towards US Bank. This matter is still not resolved ... .I have had it. I have continued to maintain the property for two years, they have had a valid offer for over a year and they still have not made a decision. I am not going to continue keeping up this property. When I stop, this house will rot. It is in a bad area. They are so fortunate they even received an offer and that the buyer has hung on this long and now they will lose this buyer. I really do n't even know what to say anymore. Absolutely ridiculous.
Consumer complaint received 2024-11-11
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: SYNCHRONY FINANCIAL (NC)

The card was to be used to pay my cell phone bill with XXXX. At first they were double charging my account. It was hard trying to explain that to the bank. I refused to use the card. A previous payment was added to the account as a debt. I sent correspondence showing the added debt -- no response. I was also charged with a payment in XXXX, which should not have been added to my account. I sent three correspondences regarding the error. I tried calling and customer service hung up the phone. I even went to the XXXX store to have them to call because I could not get through. I get numerous emails stating my account is overdue. I try to contact them and can not get through. I had two other accounts with the same bank, and I cancelled the credit because of their poor customer service. I sent in two payments with their coupon with their address and their window envelope, and they were returned to me marked " insufficient address, '' by the postal service. 

XXXX XXXX
Consumer complaint received 2024-08-28
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. (TX)

Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.
Consumer complaint received 2017-06-28
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (DC)

I was approved for a LOWE 'S credit card in XX/XX/XXXX/XX/XX/XXXX. I filed a CHAPTER XXXX to avoid a foreclosure on my grandparent 's home. No debts were discharged. Within days the bankruptcy was dismissed and has since been removed from my 3 credit reports. <P/>I have tried to get a Lowe 's card and was denied. I was told that the last account was closed due to the Chapter XXXX. The card had a very low limit of {$300.00}, therefore, my purchasing power was limited. I spoke with a Representative last night & he suggested that I START OVER. Now my score is too low as I was out of work for 23 months, however, I have now been employed since XX/XX/XXXX. I do not know the card number but they were able to access it by my social security number and my address on file.
Consumer complaint received 2024-10-17
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. (IN)

I'm writing to bestow my anxiety concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and help.
Consumer complaint received 2024-08-28
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. (AZ)

This is the several times I've complained about being a victim of identity theft. You must remove any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumerXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2012, XXXX XXXX XXXX XXXX Balance : {$24000.00}, XXXX XXXX Balance : {$0.00},
Consumer complaint received 2024-10-23
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. (GA)

I am writing to file a formal complaint under the Fair Credit Reporting Act ( FCRA ) regarding the inaccurate reporting of charged-off accounts on my credit report and the failure to issue a 1099-C form, as required by law. 

Account Information : XXXX Account Closed : XX/XX/year> Last Reported : XX/XX/year> Charged-off Amount : {$1000.00} Credit Limit : {$800.00} ( Account utilization 125 % ) Worst Payment Status : XXXX days late Remarks : " Profit and loss write-off, '' " Dispute resolved reported by grantor '' XXXX  Account Closed : XX/XX/year> Last Reported : XX/XX/year> Charged-off Amount : {$750.00} Credit Limit : {$500.00} ( Account utilization 150 % ) Worst Payment Status : XXXX days late Remarks : " Profit and loss write-off, '' " Dispute resolved reported by grantor '' XXXX XXXX Account Closed : XX/XX/year> Last Reported : XX/XX/year> Charged-off Amount : {$3700.00} Credit Limit : {$3000.00} ( Account utilization 123 % ) Worst Payment Status : 120+ days late Remarks : " Profit and loss write-off, '' " Dispute resolved reported by grantor '' Violation of FCRA ( Section 1681 ( e ) ( b ) ) : Under the FCRA, credit reporting agencies and furnishers of information are required to ensure that the information reported is accurate and up-to-date. All three accounts listed above have been charged off and are reported inaccurately, negatively affecting my credit score and financial standing. Additionally, despite the charge-offs, I was never provided with 1099-C forms, which are required when a creditor cancels a debt of {$600.00} or more.

Details of Violations : 1. Failure to Remove Charged-Off Accounts : The accounts were closed earlier in 2024, yet they continue to be reported inaccurately, affecting my credit utilization and overall credit health.

2. Failure to Provide 1099-C Forms : Neither XXXXXXXX XXXX XXXX XXXX nor XXXX XXXX has issued a 1099-C form for the canceled debts. This omission violates IRS guidelines and affects my tax reporting obligations. 

Given these issues, I kindly request the following actions : 1. Immediate Removal of Charged-Off Accounts : The accounts should be removed from my credit report due to the failure to meet FCRA accuracy requirements.

2. Issuance of 1099-C Forms : I request that XXXX XXXX XXXX XXXX, and XXXX XXXXXXXX issue the necessary 1099-C forms for the charged-off amounts as soon as possible.

3. Correction of Credit Report : Please ensure that my credit report reflects accurate information regarding these accounts. 

I trust that you will investigate this matter promptly and take the appropriate corrective actions. Please notify me of the status of my complaint and the steps taken to resolve these inaccuracies. 

Thank you for your attention to this matter.
Consumer complaint received 2016-05-26
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Optimum Outcomes, Inc. (NC)

THIS COMPANY HAS REPORTED INFORMATION IN MY NAME WITHOUT VERIFYING THAT THIS INFORMATION BELONGED TO ME BEFORE REPORTING THIS INFORMATION TO MY CREDIT FILE AND GIVING ME PROPER TIME TO VALIDATE ANY OF THE INFORMATION BEFORE REPORTING TO CONSUMER REPORTING AGENCIES.I HAVE REACHED OUT TO THE NUMBER LISTED IN MY CREDIT FILE AND IT REACHES A VOICEMAIL OF A WOMAN. WHO DOESNT EVEN MENTION THIS COLLECTION COMPANY BY NAME.
Consumer complaint received 2024-10-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX was fraudulently opened and chime was a prepaid card I could only use what I loaded and I closed it myself and their was no balance left but they reported I owed when I asked them to close the account and I didnt
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

( Receiver is Transition ) TranUnion LLC FRAUD DEPARTMENT XXXX, CA XXXX I'm writhing this letter to dispute certain information that fasely listed on my credit report above the inaccurate information that appear on my credit report.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Reported bankruptcy ( 3 ) on my credit report as well as personal and inaccurate personal information on my credit as well as shared or reported personal data on my consumer reports without my knowledge or consent by third party credit agencies all three trans union XXXX and XXXX after I opted out and issued each agency a cease and desist several times
Consumer complaint received 2024-10-23
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. (NH)

I AM A VICTIM OF IDENTITY THEFT. PLEASE REMOVE ALL FRAUDULENT ACCOUNTS. XXXX XXXX, XXXX XXXX, XXXX ACCOUNTS. 

I ATTACKED A LETTER FROM XXXX TELL ME THAT MY NAME WILL BE REMOVE FROM THAT ACCOUNT DUE TO FRAUDULENT OPENED.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  {$480.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$100.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$3300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$590.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$350.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX {$700.00} XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX  - XXXX - XX/XX/XXXX - {$700.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$590.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$1800.00} XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} INQUIRIES : XXXX XX/XX/XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

I am writing to disputed account on my credit report that were made without my consent. According to section 604 of the FAIR CREDIT REPORTIN TO SECTION ( 15 U.S.C 168 1B ), there are specific permissible purposes for obtaining a credit report. I did not authorize these account and can not find any permissible purpose under this section that justifies their presence on my report, HARD INQUIRIES XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-24
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)

RE : XXXX Block Request To Whom It May Concern, I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : 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 Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2024-10-24
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 XXXXXXXX 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 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (VA)

n Accordance with the fair credit reporting act. the list accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 usc 1681 Account Name : XXXX XXXX XXXX Account Number : XXXX I looked at my EXPERIAN 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 generallf, 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 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am disputing an inaccurate late payment reported on my XXXX XXXXXXXX XXXX account Account # XXXX for XX/XX/year>. I have consistently made timely payments on this account and was never late. To resolve this issue, I sent a dispute letter to TransUnion, requesting the removal of the inaccurate late payment. I informed them of their obligation under the Fair Credit Reporting Act ( FCRA ), specifically Section 605 ( b ), which mandates accurate reporting. This inaccurate information has negatively impacted my credit score and financial opportunities. I am seeking the immediate removal of this late payment from my credit report.
Consumer complaint received 2017-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NY)

I applied for a mortgage and was told by the bank that my loan was denied due to high debt to income value and the derogatory remarks of delinquency on my XXXX credit report. I wrote to XXXX  one year ago to remove this remarks from my credit report because all outstanding loans that were outstanding at the time was paid and settled. I am debt free for 2 years now. I have paid back and settled all outstanding loans, mortgages and debts. My current credit card use is to establish responsible use of credit to rebuild my credit history which was destroyed because of divorce. All credit cards have had no outstanding balances except the current balance for the month. All credit cards are paid on the due date and non have been paid late, yet XXXX continues to report that there are derogatory remarks of delinquency on my account. This is affecting my ability to get financing for a mortgage for a home that I can finally afford.
Consumer complaint received 2024-10-23
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)

This is from a previous complaint, XXXX. 

They responded and stated " We completed our review, and the details of our response are below. We sold your account ending in XXXX on XX/XX/2009. '' If that's the case, which they admitted it is, they are not supposed to continue to report on this debt to the credit agencies. The sold the debt. That means it no longer belongs to them and the new Owner can report it, but they can not. 

Thank you.
Consumer complaint received 2015-09-28
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: BB&T CORPORATION (PA)

On XXXX/XXXX/2015 I got a call from there fraud prevention they ask if I ok a certain transaction on my XXXX XXXX card I said no.They canceled my card. I called Susquehanna Back they gave me the # for the place that charged my card. At that time I was told the person I talked to told me she will order me another card. It would take 5-7 business days till i get it. Well on XX/XX/XXXX2015 the day before I was going to leave to go out of town I called the bank to find out my card was never ordered I hung up on them. After I cooled of for a little I called back and told the person I was leaving to go on vacation the next day she said OH MY and I said OH MY is right. I did n't want to carry cash with me she said to come into the bank to get travelers checks. I should not have to change my plans because they have incompetent employees. So I had to cancel my vacation ( fishing on the outer-banks with friends because of their screw up. I waited all year for this and was not going to have my friends hold money or checks for me. I want some kind of action from this bank I am out my deposit for the trip