davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I am writing to address a matter of significant concern regarding my recent credit report. I have received a 1099-C for the following accounts : - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX According to IRS guidelines XXXX an unpaid charge-off is considered income. Additionally, the Fair Credit Reporting Act ( FCRA ) stipulates that income can not be reported on a credit report. After reviewing my most recent credit report, I have found that these accounts are still being reported. 

To resolve this matter fairly, I propose the immediate removal of these accounts from my credit report to comply with legal requirements. If there are any discrepancies or further clarifications needed, I am willing to provide additional information or documentation. 

I appreciate your prompt attention to this matter and look forward to a swift and fair resolution.
Consumer complaint received 2024-07-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (AZ)

Account info Account name NATIONAL CREDIT ADJUSTERS , L.L.C Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/year> Status Collection account. {$700.00} past due as of XX/XX/year>. 
Status updated XX/XX/year> Balance {$700.00} Balance updated XX/XX/year> Recent payment - Monthly payment - Original balance {$700.00} Highest balance - Terms 1 Months On record until XX/XX/year> I do not know this account and demand the original signed contracts showing I am liable or that this account be immediately and permanently removed from my credit report.
Consumer complaint received 2024-07-07
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)

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date Of Birth : XX/XX/1999 Content of Complaint : The CFPB has been filed to request pursuant to FCRA 605B ( 15 U.S.C 1681 c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulently, inaccurate, and false information consist of personal credit account opened with XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( Reported BY XXXX XXXX XXXX ) XXXX XXXXXXXX XXXX Amount : XXXX ( Reported BY XXXX XXXX XXXX ) XXXX XXXXXXXX XXXX XXXX : XXXX ( Reported BY XXXX XXXX XXXX ), also consist of XXXX XXXX XXXX XXXX Amount : XXXX ( Reported BY XXXX XXXX  ), XXXX XXXX Amount : XXXX ( Reported By XXXX XXXX ) also consist of an account with XXXX amount : XXXX, also consist of utilizes bill with XXXX XXXX XXXX XXXX XXXX XXXX Amount : XXXX ( Reported by XXXX XXXX XXXX ) also a credit line with XXXX Amount : XXXX, and finally also consist of a loan with XXXX XXXX XXXX  XXXX. These accounts have resulted in several fraudulent hard inquires and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections or hard inquires as reported. The aforementioned accounts, collections, and hard inq appearing on my consumer credit report maintained by you were not opened, made or initiated by me. All of the aforementioned accounts, collections and inq are results of identity theft and fraud, I have attached a copy of FTC identity theft criminal complain # XXXX, # XXXX and # XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit account, collections and inq are result of identity theft and fraud
Consumer complaint received 2024-02-11
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: Self Financial Inc. (GA)

I'm diligently working towards purchasing my first new home. However, the inaccurate reporting by creditors on my credit report is becoming defamatory. I have not been provided with any proof of the original agreement to it with my signature.

As per 15 USC 1666b, a consumer reporting agency is prohibited from furnishing an account without my written instructions. Additionally, the FCRA stipulates that a creditor may not treat a payment on a credit account under an open-end consumer credit plan as late for any purpose. There is no law stating that ANY transactions need to be reported. Which is why this is defamation of my character this creditor is not giving any privacy or consent. 

This creditor failed to implement adequate procedures to ensure that each periodic statement, containing the information required by section 1637B of this title, was mailed or delivered to me within 21 days of each payment due date. I did not receive any electronic or mailed monthly statements within the specified timeframe of 21 days after each payment.
Consumer complaint received 2024-08-05
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: Westlake Services, LLC (NC)

I received a response from the credit reporting agencies indicating that the investigation of these accounts was completed and the items were verified. However, my credit report still contains multiple inaccuracies.

Under 15 U.S.C. 1681i ( 7 ) regarding the Method of Verification, I am entitled to understand the verification process conducted by your agency. I demand a detailed account of every step taken to ensure the accuracy of these disputed items.

Despite the investigations, my credit report continues to reflect discrepancies. I request the immediate removal of these inaccuracies from my credit report.
Consumer complaint received 2023-12-28
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (KS)

On XX/XX/2023, I received an email from PayPal advertising that " If approved, youll earn a {$150.00} bonus when you spend $ XXXX within 90 days of account opening. '' I clicked the " Apply '' button in the email. I was approved for the credit card on XX/XX/2023. I spent more than {$500.00} dollar within the 90 days opening the account. But so far I haven't received the promised {$150.00} cashback bonus. I called their service department and told them the issue. I also showed them a screenshot of the advertising email they sent me. But their staff told me that they were not aware of such a promotion.
Consumer complaint received 2019-07-31
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF THE WEST (CA)

I recently opened the account on XX/XX/2019. It is not what I thought it would be, no checks, and no ATM, etc. As a XXXX person on Social Security, I was looking for a new fee account, but this is not working for me. So I want to close the account. I paid one deposit for {$25.00} and made a cell phone bill for {$25.00} making a XXXX balance, what I am afraid of they will start charging me for no money in the account and try to collect, thus I want to close this account
Consumer complaint received 2024-07-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Credit Karma (CA)

On XX/XX/XXXX my card was used to send over XXXX dollars to someone in XXXX XXXX. I did not make this payment nor did I authorize anyone to us my card. I submitted a dispute with credit karma. I was told the process takes a few weeks and that whoever is investigating would reach out. In less than 24 hours the disputes were closed with ZERO communication from credit karma. No one contacted me for evidence or to perform any type of investigation. It seems like credit karma has an interest in protecting itself rather than it's consumers. I am filing this complaint and closing my account with credit karma within the next two weeks. I will also be contacting the XXXX to file an additional complaint.
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

On XX/XX/year>, I mailed dispute letters to both Equifax and XXXX regarding XXXX XXXX XXXX XXXX. They neither sent me written notification of the debt nor fully validated the debt after I engaged XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I am REWRITING to complaint to USAA FEDERAL SAVINGS BANK about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX  XXXXXXXX XXXX XXXXXXXX, and my name is XXXX XXXX XXXX XXXX My birthdate is XXXX The FTC report number related with this complaint is XXXXI have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to delete them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.
Consumer complaint received 2024-07-30
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: CITIBANK, N.A. (FL)

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed on my credit report maintained by your company. I assert that your company is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by XXXX. I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you one opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the mXXXX XXXX XXXX  emotional distress, and financial hardship that your actions have caused me. Deletion of the trade-in entry from all credit reporting agencies where it is currently listed. I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the XXXX  website, you will be responsible for covering these costs, which could amount to XXXX XXXX XXXX XXXX XXXX. Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request. I expect a prompt response within 15 DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice. Please send all correspondence related to this matter to the address listed above.
Consumer complaint received 2023-10-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (FL)

I recently submitted a complaint to Navient. The response that Navient gave suggests I take an action that may have negative consequences.

Navient suggested consolidation but this action according to the federal student aid web-site has potential downsides such as the following.

Because consolidation may lengthen the repayment period, you'll likely pay more interest over the long run. Any outstanding interest on the loans you consolidate becomes part of the original principal balance on your consolidation loan, which means that interest may accrue on a higher principal balance than if you had kept your loans separate.

You might lose borrower benefits such as interest rate discounts, principal rebates, or some loan cancellation benefits associated with your current loans.

Normally, consolidating your current loans could cause you to lose credit for payments made toward income-driven repayment plan forgiveness or PSLF. However, under the one-time income-driven repayment account adjustment, you wont lose credit for those past payments. This adjustment will be applied automatically to all PSLF-eligible Direct Loans, including consolidated and unconsolidated parent PLUS loans.
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation.

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed.

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), you may be liable for your willful non-compliance.
Consumer complaint received 2024-07-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (ND)

This started on XX/XX/XXXX i was contacted by person representing Well Fargo stating that a charge was take at XXXXXXXX XXXX needed to verify if i had purchased any thing also a wire transfer taken place for XXXX asked if i had taken such action again said no Went to through detail issues to eliminate the transfer..at the time i was able to be on my computer to assist this issues as soon as this was done my computer went blank. as i soon found out this was an issue i went to the bank next day and asked for help reestablishing my online banking. they stated i need to make an appointment and that would be in XXXX. I told them that this would be to late i need to know what was in my account. absolutely NO HELP .... The scammer called back again on XX/XX/XXXX stating that the bank manager was taking money from the clients and needed to check this out telling me that the fica would cover this wanted me to go to the bank and wire the same amount as previous wire which i did and told the XXXX bank manager i couldnt get back into my online banking she shrugged her shoulder ( like its not her problem ). The account was supposedly frozen. I didnt know how much money I had in the account if anything. plus no assistance in helping unless i had an appointment. Worst bank I have ever had.
Consumer complaint received 2024-07-07
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. (PA)

Account Number : XXXXXXXX XXXX XXXXXXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX This account is being reporting multiple inaccuaries and late payments. The account is show monthly payment amount and balances are different all credit bureaus. XXXX is reporting a XXXX balance. The date of the account and date last active being reported is inaccurate across all credit bureaus. 

This account needs all late payments removed due to a ton of inaccuraices and timing payments are not being reported accurately. Regards to section FRCA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 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 consumer.

( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block.

( c ) Authority to decline or rescind.

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions.

( 2 ) Notification to consumer. If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( 5 ) ( B ) of this title.

( 3 ) Significance of block. For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer prior to the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block.
Consumer complaint received 2023-06-09
Product: Credit reporting, credit repair services, 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)

XXXX XXXXXXXX XXXX manager called Friday XX/XX/09 stated that I signed a contract with them stating that they could report late transactions on my consumer report. 

TILA 15 USC 1601 protects me as a consumer against inaccurate & unfair credit billing. As a consumer, I signed an agreement to enter into a credit transaction with XXXX ( on an unknown date because my consumer report is showing two different dates ) this was all done online. I had no say, legally it takes two consenting parties to create and agree. I was not informed, the agreement was not conspicuous and clear of basic facts and I made a uniformed decision when there was no evidence of indebtedness, the only evidence of the debt was the agreement but because of the uniformed decision that agreement is null and void. 

1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; I have reached out to XXXX XXXX XXXX XXXX they have yet to reverse the late payment or report it OK USC 1681b states that consumer agencies can only furnish something in accordance with the written instruction of the consumer to whom it relates. I did not give XXXX XXXXXXXX XXXX XXXX permission which is another violation.
Consumer complaint received 2024-07-07
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)

My financial information has been compromised. My wallet was lost in 2016. I have received letters, & inquiries on accounts that are not mine. Even when im on vacation inquires come through. I need all credit bureaus to validate all accounts present on my report. I would like for each bureau to remove erroneous addresses and items that have past the statues of limitations.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX **TransUnion** XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Inaccurate Bankruptcy Closed Dates To Whom It May Concern, I am writing to dispute inaccurate information regarding bankruptcy closed dates listed on my credit report. Below are the details of the inaccuracies : XXXX. **Reference Number : XXXX - Reported Closed Date : XX/XX/XXXX - Actual Closed Date ( per bankruptcy court documentation ) : XX/XX/XXXX XXXX. **Reference Number : XXXX - Reported Closed Date : XX/XX/XXXX - Actual Closed Date ( per bankruptcy court documentation ) : XX/XX/XXXX The closed dates listed on my credit report for the above-mentioned accounts do not match the dates provided in the official documentation I received from the bankruptcy court. I have attached copies of the documents from the bankruptcy court that clearly state the correct closed dates for these accounts. 

The inaccurate reporting of this information is a violation of the Fair Credit Reporting Act ( FCRA ), particularly Sections 605 and 611, which mandate the accuracy of information provided in consumer credit reports. Due to the incorrect reporting, I request that TransUnion promptly correct these inaccuracies and **delete these items from my credit report immediately**. 

Please confirm receipt of this letter and inform me of the actions taken to correct these errors and remove these items from my credit report. I appreciate your prompt attention to this matter. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX