davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I 've been trying to submit complaint about some accounts are my credit report. For some reason it 's like the credit bureaus are not taking my disputes serious at this point. I 've spoken to a consumer right 's attorney and he 's telling me i have a case against the credit bureaus. I 've decided to submit complaints before taking that step. 

The following accounts are incorrect XXXX XXXX # XXXX This account is inaccurate. Please verify this account to make sure that EVERYTHING is reporting correctly. 

Office Of The Attorney Gen # XXXX This account is reporting inaccurate. The balance is incorrect. If you do VERIFY this account please provide me with the steps you used to verify it. Who did you speak with, time and date or Please remove this account. 

XXXX # XXXX I have NEVER been late. Clearly this company has made a mistake. Please remove. 

XXXX Credit Card Clearly this company has made a mistake. I never asked to be an authorized user on this account. 

I know that mistakes happen but it should not happen at my credit 's expense.
Consumer complaint received 2018-01-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (LA)

I 've been trying to submit complaint about some accounts are my credit report. For some reason it 's like the credit bureaus are not taking my disputes serious at this point. I 've spoken to a consumer right 's attorney and he 's telling me i have a case against the credit bureaus. I 've decided to submit complaints before taking that step.

The following accounts are incorrect XXXX XXXX # XXXX This account is inaccurate. Please verify this account to make sure that EVERYTHING is reporting correctly.

Office Of The Attorney Gen # XXXX This account is reporting inaccurate. The balance is incorrect. If you do VERIFY this account please provide me with the steps you used to verify it. Who did you speak with, time and date or Please remove this account.

XXXX # XXXX I have NEVER been late. Clearly this company has made a mistake. Please remove.

XXXX Credit Card Clearly this company has made a mistake. I never asked to be an authorized user on this account.

I know that mistakes happen but it should not happen at my credit 's expense.
Consumer complaint received 2023-08-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TRUIST FINANCIAL CORPORATION (SC)

I opened up a checking account with Truist for a {$400.00} offer if I met certain terms. The terms were to deposit {$50.00} when opened account online : I did that. The other terms were to complete 2 direct deposits totaling {$1000.00} or more. I set up direct deposit and deposited {$500.00} each pay period. When I checked, it said the offer never applied. I opened a complaint with Truist and they told me their promotions team would open a research request. I member of the team called me and told me that I do in fact qualify and have met the terms but that the promotions team has a major backlog of items to go through. I was told 25 business days for a resolution. Those 25 days ended XX/XX/2023. I reached out again and was told it would be an additional 25 business days to research why the promotion didnt apply, even though it was confirmed by their team member that I have met all qualifications. They are asking me to keep the account funded with the money until they can get around to the request. Which is an additional 25 days. This is misleading and the fact that they have a major backlog means that they have done this to several other people. I see ads for them promoting new offers and they should not be advertising something they do not intend to deliver to their customers.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc. (LA)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : IDTheftReport_XXXX Inquiries : XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Late Payment XXXX XXXX XXXX XXXX Collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge Off XXXX XXXX XXXX XXXX XXXX Personal Information : Current Address ( es ) : XXXX XXXX  XXXX XXXX XXXX, LA XXXX Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX , AZ XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, LA XXXX Previous Address ( es ) : XXXX XXXX  XXXX XXXX XXXX, LA XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, KS XXXX Employers : XXXX
Consumer complaint received 2018-01-13
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I 've been trying to submit complaints to the credit bureaus about some inaccuracies that i 've seen on my credit report. This has been going on for about 6 months to no avail. The credit bureaus have been failing to investigate my disputes. Claiming they ca n't locate my credit file. I 've sent it proof of my idenity ( i.d . and social ) Also proof of my residence. I still have n't heard anything back from the credit bureaus. I 'm not sure what 's going on but i think it 's pretty unfair.

Credit Bureau Services # XXXX For one this company is not licensed to operate a collection agency in the state of Louisiana. Second, i am NOT sure how this company has access to my medical information. Under the Hippa law my personal information should not be shared. I Know i did n't give this company access to my medical information. THIS IS ILLEGAL!!!!

-XXXX XXXX XXXX # XXXX -XXXX XXXX XXXX # XXXX -XXXX XXXX # XXXX Under the Hippa law my personal information should not be shared. I Know i did n't give this company access to my medical information. THIS IS ILLEGAL!!!!

-XXXX Credit Card Clearly this company has made a mistake. I have never asked for permission to be an authorized user on this card.

-XXXX XXXX # XXXX I have never done business with this company. Clearly they have made a mistake.

-XXXX XXXX # XXXX I have never been contacted by this company nor have i done business with them. Clearly this company has made a mistake. Please remove.

-XXXX  # XXXX I have no idea what this debt is. Please verify this account or remove.

I know that mistakes happen but it should not happen at my credit 's expense
Consumer complaint received 2024-10-09
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY (CA)

Subject : Cease and Desist Collection Efforts Invalid Debt Due to Charge-Off Without 1099-C Filing Account Number : Client Name : American Express To Whom It May Concern, This letter serves as formal notice that I am disputing the validity of the debt your firm is attempting to collect on behalf of American Express. According to my records, this debt was previously marked as " charged off '' by American Express, and to date, I have not received a Form 1099-C ( Cancellation of Debt ), which is legally required under federal law when a creditor cancels a debt of {$600.00} or more. The absence of this form indicates that the creditor has not lawfully canceled the debt, yet your firm is now attempting to collect. Please be advised that under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I have rights that protect me from unfair, deceptive, and abusive collection practices, as well as inaccurate reporting of debts. Your attempt to collect on a debt that was charged off without a proper 1099-C filing violates both the FDCPA and the IRS requirements , as it creates confusion about the true status of the debt. Your firm may be facilitating deceptive practices, and I am prepared to pursue this matter in court if necessary. Further, this collection attempt violates IRS regulations under 26 U.S.C. 6050P, which requires creditors to file a 1099-C when they have discharged debt. The failure to file this form indicates that your client has either not followed through with the legal charge-off process or is attempting to maintain the collection rights despite not fulfilling their legal obligation to report the cancellation of debt to the IRS and to me. In light of these clear legal violations, I demand that you cease all collection efforts immediately. Additionally, any further attempts to collect on this debt without first correcting the reporting to both the IRS and my credit report will result in formal complaints to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), my state attorney general, and any applicable bar association regarding your unethical collection tactics. I will also explore all available legal remedies, including a lawsuit for damages, legal fees, and other appropriate relief under both state and federal law. I expect written confirmation within 30 days that you have ceased all collection activities and that your client has either properly issued a 1099-C or will remove the charge-off from my credit report entirely. Failure to comply with these demands will be met with aggressive legal action on my part.
Consumer complaint received 2018-01-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP (CA)

CARD # 'S : XXXX AND XXXX DISPUTING INFORMATION for payment not posting to account on XXXX/XXXX/XXXX ( card ending in XXXX ) and XXXX/XXXX/XXXX ( card ending in XXXX ). Both payments were made on the mobile application at different times which gave a transaction confirmed icon after made but due to it being from an outside account, I could not verify until three days later which anyone would assume would be fine ( processed ) and not noticing they were late until running my credit report. Due to the money never being pulled from my account ( up to three days later theres a delay ), the payments were never processed and the account reflected as late on my credit report. I want to dispute the LATE HITS on my credit report. Due to the system having a flaw, it should not be the consumers fault. I have called multiple times to address the issue and have had three representatives at different times state that they would get the late hit on my credit report removed but were not able to provide documentation when needed. There are various inconsistencies while dealing with the representatives and should not give out information if they can not go through with it. I have call recording confirmation numbers and employee ID numbers which should be addressed. Overall, I need the LATE hits removed from my credit report and do not have any supporting documents due to the system never removing the funds from my outside account. If the transaction went through immediately the consumers would be able to verify that the funds were removed and processed through successfully. 

Above is what I sent them as a dispute. I had processed two payments on the US Bank phone application and the payments did not go through ( originally showing that they were confirmed payments processed ). I have spent hours and hours on hold being transferred to different departments and they have not attempted to resolve my issue. I am trying to do the right thing here and get it resolved but they are not willing to help and have made it nearly impossible to resolve the issue.
Consumer complaint received 2018-01-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (PA)

Synchrony BankXXXX XXXX I tried several attempts to resolve this account with Synchrony BankXXXX XXXX. They reported on my credit file in many errors as ND/No Data for 5 months then the account charge Off Then they closed it out. I wrote them disputing this account several times with no response to the matter. Then they told me on XXXX they sold it to a company named XXXX XXXX in which never in all this time mailed nor contacted me to this account. XXXX XXXX has not ever showed up as any collection on my account nor mailed me any letter which I 'm by law entitle to dispute any charges or the account. Cach llc is in bankrupt and various legal issues with various law suits. Synchrony BankXXXX XXXX is the originator of the loan in which they have violated my consumer rights. When calling them its nothing but the run around as to all the time I disputed the account and mail letter disputing the issues. Now they state the account was closed in XXXX. Of the 3 credit Bureaus Synchrony Bank/care Credit reported error information payment showing being made then on another credit report CO/Charge off but showing payment made on my other credit report show last payment made but nothing that Synchrony Bank reports match up and the credit Bureaus say they only go by what they report. There is nothing on this account accurate by Synchrony bank as to how they report correctly. 
My other issue would be to file suit on Synchrony and provide documents showing there errors amounts and letters mail to them time after time regarding this account.
Consumer complaint received 2023-08-10
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)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no XXXX party involved. Please review the uploaded letters.
Consumer complaint received 2018-01-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have a Capital One account, and they put a 30 day and a 60 day late on my record for in 2012 for only {$50.00} of mispayment, due to my address changed, I 've paid all of it back and they did not attempt to collect from me. instead they put a negative to my score.
Consumer complaint received 2023-08-10
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: Experian Information Solutions Inc. (OH)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-07-24
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. ()

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-08-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to dispute this item on my credit report that have infringed upon my federally protected consumer rights to privacy and confidentiality, as guaranteed by 15 USC 1681 of the Fair Credit Reporting Act ( FCRA ). 

The following account listed on my credit report have violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

According to 15 USC 1681b, consumer reporting agencies may only furnish consumer reports under certain circumstances. The unauthorized disclosure of my personal information to these entities constitutes a breach of confidentiality and an infringement upon my right to privacy.

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 2018-01-13
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NJ)

My loan is XXXX XXXX XXXX with a beginning balance of {$8100.00}. I have been trying to get some resolution since XXXX when I called Navient to setup automatically payments with my new checking account information.I then discover that my co-signer filed bankruptcy. The representative told me that I can not make any payments until his bankruptcy was finished nearly a year went bye. Then I begin receiving collections calls around XXXX of XXXX. I spoke to someone in collections stating that the bankruptcy was complete in I was past due in payments. Which I was unaware and explained to the rep, I was tried to make payments the prior year and was told I couldnt make no payments.At that point I made my first complaint With CFPB. My compliant was closed with no resolution. A payment was made in XXXX XXXX.i have tried on serversl occasions to get a copy of my life span payments that was applied towards interest and principle. Still no response I begin to file my second complaint to CFPB. I made a call to Navient around the end of XXXX. I finally received a itemized copy of what was supposed be a break down of the life of my loan Dated XXXX.which is not reflecting to what my online account information has. I made a call Beginning of XXXX XXXX explained that the itemized bill still doesnt seem to be correct because the format of the bill has doesnt refelect with what I thought was paid throughout the span of the loan. I informed her that I had got reported with the credit bureaus for 69 days late in XXXX that has effected my credit score.I begin to ask the rep about a settlement for the loan she informed that she would have to present an counter offer to the CEO of the company and also that I would have to make at least {$1900.00} dollars and payments a month if was to get an settlement offer. She gave me a breakdown of how many months of payments that was made around 124 and 26 months of forbearance. Then she begins to say the only other option was for me to pay interest at XXXX dollars a month for a couple of months because accord XXXX dollars of interest leaving my loan amount at {$7500.00} I didnt get anywhere with what I wanted to accomplish during this phone call. On XXXX/XXXX/XXXX I called customer advocate department on the Navient website.I spoke to someone who perceived that she was going to assist me. As I begin to explain my issues. She put me on hold then transferred me to 90 day collection. 
I ask the rep why was I transferred he stated that he didnt know. I began to explain to him what my issue was and the only thing stated he was going to put my request. I then ended my conversation.
Consumer complaint received 2023-08-10
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. (NJ)

I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information with my wet signature. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed