davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-20
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. (TX)

XXXX and Transunion are reporting incorrectly that I am 120 days past due on the XXXX and XXXX XXXX XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 11 13 and 16 17 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2019-02-16
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (CA)

On XXXX XXXX XXXX XXXX XXXX mailed me back a pile of invoices and a letter claiming they dont want to help me. My initial complaint was based off incorrect information that was being reported to all 3 credit bureaus and charges from ex boyfriends transactions as a authorized user that were not authorized. However, the company failed to keep up to date records about a past delinquency due to unemployment and my ex boyfriends ( unauthorized ) credit card charges. The debt has been paid for and should not be reporting because there are fraudulent charges from my ex boyfriend after I broke up with him in XX/XX/XXXX. I feel the information on my report is being used unfairly against me and the bank refused to help me in my situation. The debt has been paid and it has been 7 years and should be removed from all 3 of my reports. The delinquency was fraud and the bank failed to properly investigate my case and I was not able to make my payments. I had positive payment history before the period of unemployment and want the accounts off my credit report due to the fact I paid the debt and I dont want to keep being barred from employment opportunities.
Consumer complaint received 2020-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect.
Consumer complaint received 2019-02-16
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BBVA FINANCIAL CORPORATION (CA)

This bank charged me 3 overdraft fees when I only should've been charged one for the {$80.00} ATM withdrawal. I had two pending transactions totaling less than {$4.00}, the money had already been removed from my account it just hadn't been posted but they charged me overdraft fees for both transactions when they posted. How were there insufficient funds when the money was already removed from the account? No other bank does this. They also reorder transactions to trigger as many fees as possible. I've seen numerous complaints about this bank doing that. I've tried to resolve it 3 times now and they won't do anything it's ridiculous.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Consumer complaint received 2019-02-16
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (CT)

On XX/XX/2019 I switched phone providers and was told that I will receive the last billing statement in the mail, specifying the amount due up to XX/XX/2019 ( last day I made use of the previous provider ) However, on XX/XX/2019 I received a letter from Convergent Outsouring Inc. dated XX/XX/2019 stating I owe {$330.00} in full for XXXX phone service with no breakdown of the amount claimed. 
1 ) I made a payment over the phone with XXXX for {$110.00} on XX/XX/2019 and stopped using their service on XX/XX/2019. How can 1 week of phone use add up to {$330.00}? 
2 ) Why didn't I receive the last billing statement from XXXX as informed but did it go to Collections after only one week of closing the account?
Consumer complaint received 2020-09-14
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: Experian Information Solutions Inc. ()

XXXX  has my information mismatching with Someone else and so does XXXX  it says I have a XXXX  but I dont even have a car to my name, I tried applying for a car loan and was denied the credit bureau isnt helping me at all and I feel stuck please help me my number is XXXX and email is XXXX I can further discuss more on the phone
Consumer complaint received 2019-05-20
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: EQUIFAX, INC. (UT)

In the course of repairing our credit, we filed a dispute on two items with equifax credit reporting and after about 30 days they came back and said the 2 items were correctly reported, so we mailed them the court settlement that proved that we had in fact paid 2 items. About a week later we got an email that they had the results of the proof we sent, so we click on the check status button and it ask us a bunch of questions to verify our identity, and ALL the questions that were asked did not apply and we did not have ANY of the things they said were in our file, so we got a message that said to call because they could not identify me. So I called the number and got a guy that has a bad accent and does not speak very good english, and he proceeded to ask a ton of questions to identify me, and yet after ALL THOSE questions he said he could not identify me, EVEN after I told him about the 2 court actions I sent in to get the disputes resolved, so he said he was sorry that he could not identify me and there was nothing he could do for me? Apparently they have some incorrect information, but you would think after giving him a ton of information, he would be able to help me especially after sending ME the email with a code number on it? If I was a crook and got the email with the code, would I call with the number looking for a dispute status, AFTER giving him that info, and why would i want status? It make no sense to deny me my info. There has to be a better way ESPECIALLY when it takes so many months for them to correct things. I have to refinance my house by XX/XX/XXXX this year and these reporting agencies take so long to react to repairing things that we will loose our home in XXXX. Its terribly frustrating dealing with these places, they dont care if your the real person or not, because I seriously doubt that crooks want to call and ask for information about a dispute?, even when they give my address, ssn, where i work ( im a XXXX  ), and that Ive been at the same address for more than 10 years! Extremely frustrating and unfair when a place can hold so much power over us???
Consumer complaint received 2019-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (WA)

My SSN on this profile remains incorrect despite me having mailed Experian copies of foreign passport, ITIN letter by the IRS and bank/credit card statement. 

Experian kept using my XXXX SIN instead of my US TIN despite me having advised them multiple times to fix this ( and they refused listening, refused correcting from any means!!!! )
Consumer complaint received 2019-02-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (IL)

I received a coupon in the mail for a {$300.00} bonus upon opening a Chase Checking account. In California, my banker opened an account for me in early XXXX, but since I did not have the coupon on me at the time, he said that he had applied it from his own coupon book. 

A month later, after my direct deposit went through ( one of the requisites for the bonus ) and waiting for number of days that the fine print says for processing, I did not receive the bonus. After multiple trips to the banks and calls, Chase Bank insists that since I past 20 days from the account opening the coupon is unable to be retroactively applied. 

I was advertised a product, promised that the coupon was applied ( which I made clear was the reason I was incentivized to open this account in the first place ), and did not receive this bonus. 

Chase Bank suggests closing my account for 90 days and then reopening it, but this will be a hit on my credit and is unacceptable.
Consumer complaint received 2019-02-16
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (FL)

XX/XX/2019 I called Navient about options available to me for postponing or lowering my bill. The due amount came to a total of XXXX for that month. The loan total owed in its entirety comes to XXXX. I let them know that my mother and I are both recently unemployed. They searched for options and said I had exhausted all forbearance 's and deferments of any kind. I asked about lowering my payments and they let me know there was nothing they could do to lower my payments as they were already as low as they could make them. 

There was a series of three calls made that day made in attempt to hopefully find some sort of person that might be able to help, and the answer always ended the sameway. This is the amount I owe and there is nothing we can do to change that at this time. 

I stressed the dire nature letting them know that there was no possible way for me to make a payment in my current condition and no options were made available. XX/XX/2019 I checked my balance and it shows I missed a payment. I had not been contacted about options they might have discovered or changes since my previous inquiry. 

I really wanted to find some sort of solution through them but in the end I was trapped in a position where the company provided no relief no matter what I did to try to make it right.
Consumer complaint received 2019-05-20
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: CITIBANK, N.A. (CA)

the following account are not mine, ( XXXX DSNB AND XXXX XXXX ) these are fraud accounts opened under my name, i have attached my police report due to this effect, i have also disputed these inaccuracies with XXXX  many times, but they are not helpful at all, please help me with this inaccuracies to be removed. please find attached the same paper work that i had sent to e XXXX   as well. 
thank you for your help and cooperation
Consumer complaint received 2019-02-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (NC)

I have a VISA CREDIT CARD with Wells Fargo. I noticed in XX/XX/XXXX I was being charged Interest on Cash Advance. I emailed Wells Fargo about this. I informed them that I have never done a cash advance or do I have a pin number for that card. This card has never been in a ATM. Wells Fargo stated that the cash advanced fees were on purchases. When I went on line to print my transactions for XX/XX/XXXX I could only find two ( 2 ) all other information is gone. 

XX/XX/XXXX amount {$23.00} Interest on Cash Advance XX/XX/XXXX amount {$24.00} Interest on Cash Advance XX/XX/XXXX amount {$24.00} Interest on Cash Advance
Consumer complaint received 2019-02-16
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. (PA)

In XX/XX/XXXX I had a family member steal a lot of money from me. I could no longer pay my bills and I did not want to claim bankruptcy. I chose XXXX XXXX to help me with my bills. I owed XXXX XXXX {$2400.00} which I was paying {$130.00} a month on. XXXX XXXX attorneys made a settlement for me with XXXX to pay {$200.00} a month for 12 months to pay off the {$2400.00}. The last payment was made XX/XX/XXXX. XXXX refuses to update that this account to the credit agencies. Two agencies say I owe XXXX {$320.00} and another says I owe XXXX {$770.00}. I have paid them every penny I owed them and I have disputed with all 3 credit agencies, XXXX, Equifax and XXXX. They all tell me XXXX has told them I owe them money. They refuse to fix this problem and I have asked for them to send me a letter stating that this is paid in full and they refuse to do so. I do not know how they can get away with these kind of practices. The only thing I have to show I have made these 12 payments is what I printed off the computer from XXXX XXXX. I hope you can help because I do not know what to do anymore. 
Thank you for any help.
Consumer complaint received 2019-05-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc. (IL)

They put an item on my credit reports for an XXXX XXXX XXXX collection item. I have not had XXXX XXXX XXXX XXXX XXXX in over 20 years, and have never had their cell service. Diversified Consultants violated federal law by not contacting me before putting an item on my credit report. If they would have, I would have told them that, as my credit report states, I am the victim of ID theft. I would have told them that the XXXX XXXX XXXX account was opened fraudulently.
Consumer complaint received 2019-02-16
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or missing disclosures — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I open a new bank account with Bank of America, on XX/XX/2019, at that point in time I deposited my check from my employer that is issued by XXXX. The funds were on hold for 7 days, it caused a lot of moneraty issues. I am currently undergoing a separation and I have no other income than my job. I had no money for a week. On XX/XX/19 the funds were released. I had to borrow money from my parents and sister to survive that week. I still owe them money. I got paid again on XX/XX/19, I proceed to deposit my check and went about my life. Then I realize that Bank of America put another hold on my account for 6 days, my funds wont be available until XX/XX/19 meanwhile I do not have money for Diapers for my baby, money for food, I have bills that are urgently past due. I called BOA to get them to release the funds and they told me to avoid this problem in the future to cash the check, but that they could do nothing. I spoke to two other people a manager and supervisor and they told me that they could not nothing. The supervisor stated that I should have just cashed the check as well that the hold was not going to be taken off, and said that I could ask for funds and overdraft the account, I told them that if I did this BOA was just going to charge me fees to this the supervisor just said that they would but that I could get money this way. I was then transferred to a manager who stated that they could do nothing and that I just borrow money from family and that they could do nothing. I told her that if I went and cashed the check and got my money how long would it take BOA to get their money then? She could not respond to this question. All she said was that my check would have not been cashed and that I was just going to have to wait. I am writing this because I literally have no money, for a week with XXXX young kids that depend on me and I have no funds. I think its unfair that BOA is holding my check issued from XXXX who is the payroll company for the small law firm I work for. A check that was issued last time as well from XXXX  the first time I deposited. I cant borrow money from family because I owe them so much money already. Then you have people that work for the bank pretty much giving you contradicting information saying to cash a check then saying I would have never been given any money. Please look into these practices. I might be a small fish, but if they are doing this to me how many more customers are, they not XXXX  over
Consumer complaint received 2019-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (IN)

Dear Navient, This is not a duplicate do not mark it as such, this is a complaint on your buthering of my credit reports. 
In response to CFPB Complaint XXXX The payment history for the accounts listed in the dispute are not and were not accurate. You word means nothing Navient. Among other things, the CFPB alleges that since at least XX/XX/2010, Navient has : Misallocated payments Steered struggling borrowers toward multiple forbearances instead of income-driven repayment plans, and Provided unclear information about how to re-enroll in income-driven repayment plans and how to qualify for a co-signer release. Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by " furnishers, '' or persons who furnish information to consumer reporting agencies ( " CRA '' ) such as credit bureaus. In particular, this section requires a person that " has furnished to a consumer reporting agency information that the person determines is not complete or accurate '' to " promptly notify the consumer reporting agency of that determination '' and provide any information needed to make it complete and accurate. ( 1 ) Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. A furnisher that reports current information to a different CRA has done nothing to " correct and update information '' with CRA that possess the information that the furnisher has now determined is incomplete or erroneous. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to " update '' accounts as well as to " correct '' those that were erroneous when submitted to the CRA. Section 607 ( b ) of the FCRA requires CRAs to " follow reasonable procedures to assure maximum possible accuracy of information '' in their consumer reports. It is our view that a CRA that refuses to accept updated and corrected information from a furnisher on student loan accounts, if it still maintains that information in its database, does not have in place " reasonable procedures '' to comply with this section with respect to such accounts.