davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX To whom it may concern, I was informed by your company ( TRANSUNION ) that ( account # XXXX ) with ( XXXXXXXX XXXX XXXX XXXX XXXX ) was deleted from my crdit report. 

I have now realized that this same item was REINSETED onto my credit report! 

In accordance with the requirements of the FCRA SECTION 611 ( 15 U.S.C S 1681i ) ( 5 ) ( B ) ( ii ) ( B ) Requirements RELATING To Reinsertion Of Previously Deleted Material ( ii ) Notice to consumer, If any information that has been deleted from a consumer`s file pursuant to subparagraph ( A ) is Reinserted in the file, the consumer reporting agency shall notify the consumer of the Reinsertionin writing not later than 5 business days after the Reinsertion or if authorized by the consumer for that purpose, by any other means available to the agency I have received no such Notification, this is a serious violation of the FCRAAND I now reserve the right to pursue legal action for this clear violation of the FCRA! 

I demand that you immediately DELETE this account from my credit report in order to avoid legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$5500.00} XXXX XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-09-22
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: CAPITAL ONE FINANCIAL CORPORATION (OR)

The creditor Kohls failed to send a printed, electronic statement and failed to collect a payment by phone. I had an account that I had not used for a year and made 1 charge in XX/XX/year> an completely forgot about it since I typically do not use credit cards and pay my balances in full every month if I do. However, I had so much difficulty with this Kohls account. I tried entering the account via website but I was unable to get any account information and every time the account was reset a password reset was never sent to my email or phone as it should have. I tried calling the customer service number but with the unbelievable long waits it was impossible to get to someone. Finally I was able to contact the creditor in XXXX over a weekend. I let them know I have never received a statement or account information and I was wondering about any payments due. They informed me they had the worn account email and information, I am not sure how. I paid the account in full and requested to close the account. The amount I owed at the time was no more than {$130.00}. I let them know that I was worried this might impact my impeccable credit and had no late payment. They reassured me this would not be reported to the credit bureaus since I called and explained they did not served me with any statements and it was only 30 days past due. In XXXX I tried to apply for a mortgage loan my credit scored had been up to XXXX, I realized my scored dropped to XXXX and I had negative history form Kohls. They violated federal law, according to 12 CFR Part 1026.5 of the Code of Federal Regulations covers general disclosure requirements for creditors. These requirements include : written or electronic statement disclosures to collect a debt. Kohls violated Federal consumer laws. After I submitted my dispute in writing, they failed to make the error issues. They refuse to delete my " late payment '' information and ignored the facts that it was their error for not disclosing any account information to me. I a requesting for them to be penalized and to correct my record. They can not report late payment if they failed to properly collect money under the laws. This is impacting my credit and I am unable to get a mortgage loan until this is corrected. I am an excellent A+ consumer, they are being careless and not taking responsibility for their billing errors. I will secure a lawyer to take legal action against them at this point since they failed to resolve the dispute. Please assist me with this and assuring they understand consumer law requirements.
Consumer complaint received 2023-09-26
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. (MO)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-09-26
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Kashia Services (IL)

I took out a XXXX loan in XXXX I been paying this loan for 3 months in the interest is extremely high they did not explain to me that I would be paying this loan for a year they take XXXX out my account twice a month in the amount not going down and I only received XXXX $
Consumer complaint received 2024-11-11
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Eastern Account Systems of Connecticut, Inc. (AL)

I asked for verification of debt. I was only provided with an update with a letter with the amount and account number. I went online to confirm or pay the amount, and the message stated that there isn't a balance. I provided my account number and verified my name.
Consumer complaint received 2024-10-25
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. (IL)

This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of auto loan, a credit card, and other accounts from XXXX with a balance {$370.00}, XXXX XXXX XXXX  with a balance of {$1000.00}, XXXX with a balance of {$250.00}, XXXX with a balance of {$3900.00}, XXXX with a balance of {$26000.00}. These accounts have resulted in several hard fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, or collections. The aforementioned accounts and collections appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts and collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are the result of identity theft and fraud.
Consumer complaint received 2023-07-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation (VA)

I had been hospitalized and fallen behind on payments, attempting to get it back on track I was trying to make multiple payments in a month, a payment was reversed on XX/XX/2023 for {$50.00} I am waiting for bank statement to be sure there was funds on that day, I tried to make another payment on XX/XX/2023 I know there was funds in my account for that but the payment was reversed, both times I was charged {$30.00} for returned fee, payment was made with debit card. On XX/XX/XXXX I made another payment for {$20.00} to cover what was due that month, I then called and asked for a credit of a late fee and was told until my account was current they can't do anything, that is why I made the {$20.00} payment to get the account current. The person I talked to on the XXXX told me the return fee could not be removed and that they would credit me a late fee of {$40.00}. On XX/XX/2023 I noticed anther late fee and that I was credited {$30.00} on a returned check fee. I called them and questioned this, and was told that the {$20.00} had been declined, looked at my bank account and the money was taking from my account so I asked what was going on, I was then told that it was received on the XX/XX/2023 and that made it late, I looked at my account and payment was posted on XX/XX/2023 and that they would reverse the late fee. I questioned why the other late fee was not reversed and that a return fee, that was supposedly non reversible, was reversed, and could not get an answer. These items made me question the reality of my payments being made. Shortly after that last phone call I recorded an email informing me that my fees will be going up, maintenance fees, late fees, and return fees. I was giving the option to cancel my card if I did not want to agree to these fees and so I did.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (FL)

In XX/XX/year> I applied for a business credit card, which they gave me, which I used but they sent the bill to the wrong address. They called me in XXXX for the first time and they said that I was late, the next day I went to the Bank and paid, they did not give me a courtesy call, then I found that they were using the wrong address for the mail and I dispute the late payment and proof to them that was the wrong address, I dispute with XXXX twice, two bank managers submit the dispute and they keep saying that they were right, my credit score decrease XXXX points and I have a financial hardship for their fault, they have not treated me as a client, they treat me as an enemy. In my dispute, I sent them my credit report to show them that I have never been late and nothing happened. Even though I have a business loan with them and I show them that I always pay on time. I don't know if they discriminate against me for being XXXX, but they abuse me.I called them and explained, I asked to talk with a supervisor and their attitude was the same. I am retired and receive a direct deposit and they keep charging me the {$25.00} service, I even was trying with a Lawyer. I work in XXXX XXXX and XXXX, I know the importance of my credit and they have been pushing me to not pay them
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (CA)

Years ago I opened a credit card with TD bank from a 'year free " promotional offer and near the end of the promotional period called to cancel the account. A month or so after that I received a bill for an annual fee, which I called and explained should not apply. 

TD Bank then took that fee as a charge and instituted their collection process. 

Currently, TD bank reports a delinquency to the credit agencies each month to ensure that it does not drop off. 

BTW, I don't recall if I actually made a purchase with that card.
Consumer complaint received 2023-07-18
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. (MA)

I applied for borrowers defense thru the department of education. It was approved in XX/XX/2023 and refunds were sent out. Along with getting a refund for money paid towards these loans the loans are to be deleted from my credit report. I've contacted XXXX directly multiple times by phone and email they refuse to delete the loans on my credit report. They in fact started emailing me demanding payment after I submitted my approval application letter. They call me every other day demanding payment as well. I tried to dispute it thru credit reporting companies and they still refuse to delete it. They've now added comments to my credit report stating the loan is accurate and it's in deferment that's now messed around with my credit.
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I am filing this complaint regarding my credit account XXXX, which has been reported as a " charge off '' by Bank of America XXXX According to my credit reports, the account was closed and charged off. 

Under federal law, if a creditor cancels or forgives a debt that exceeds {$600.00}, they are required to issue a 1099-C ( Cancellation of Debt ) form to both the consumer and the IRS, reporting the amount of debt canceled. I have not received this form, and the creditor has not properly informed me about the cancellation of the debt.

The key points of my complaint are as follows : Failure to Issue 1099-C : Under the applicable law, I am entitled to receive a 1099-C if my debt has been canceled. The creditor has reported this account as " charge off, '' but has not issued the 1099-C, which may suggest that the debt remains active or has not been reported correctly to tax authorities. 

Negative Impact on Credit Report : Despite the account being marked as charged off, the creditor continues to report the debt as active, or has not provided clear information about its status. This is adversely affecting my credit score and making it difficult to resolve the debt.

Lack of Communication from Creditor : I have
attempted several times to contact the creditor to clarify the issuance of the 1099-C and the status of the account. However, I have not received clear or timely responses, resulting in confusion and delays in resolving this matter. 

Bank of America Account XXXX Charge Off Amount : {$4800.00}
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Ohio XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX I am writing to request an investigation of the following information that appears on my consumer report. I have NEVER opened or used the following account numbers, I have previously contacted your bureau regarding this issue, but the inaccuracy remains unresolved. According to the Fair Credit Reporting Act ( FCRA ), you are obligated to ensure that the information reported on my chexsystem file is accurate and complete. You have broken my rights under the consumer law 15 USC 1681e ( b ) Duty to Provide Accurate Information. 

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 XXXXXX/XX/XXXX
Consumer complaint received 2023-09-26
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. (DE)

XXXX willfully fail to comply with FCRA .I would like to know how did you verify the information XXXX did not do an accurate investigation in providing the factual details to my dispute. Iam distressed that you have included these accounts with inaccurate information for all the accounts listed I would respectfully request you to provide proof of the alleged items specifically the contracts bearing my signature and address. If you can not provide the contracts the items must be deleted asap .these are the following accounts XXXXXXXX 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 XXXXXXXX If you continue to violate the FCRA laws you will be held liable for actual damages and attorney fees. The address on the contracts must reflect all the address you publish on my r credit report
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

The following information is being listed on my credit report inaccurately. Please remove this false information immediately. 

The addresses of XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX is not a correct address for me. These addresses need to be removed immediately.
Consumer complaint received 2024-10-25
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. (MI)

I always pay my bills on time, so I'm confused why this company is marking me late for some months. According to USC 1666b, billing errors should be corrected, and my payments updated as agreed.
Consumer complaint received 2023-09-26
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. (MD)

Under further investigation the credit agencies have decided to ignore the unlawful reporting and misuse/abuse of my consumer report, it is the responsibility of the credit agencies to verify the information in my complaints and remove these violations 15 usc 1681i ; the consumer report does NOT include the transactions/experiences between the consumer and the creditor 15 usc 1681a ; this information is being included with the intent to abuse/misuse my consumer report in the hopes of further damaging my finances and limiting my ability to a natural way of life
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Affirm Holdings, Inc (FL)

An Affirm loan came up on my credit report a couple of years ago and I immediately disputed it as not mine because I didnt use affirm. I have since disputed it between XXXX times through XXXX and each time it comes back as confirmed and I have been given no information as to how this is mine. After dealing with XXXX I called Affirm directly and asked for the information showing that this was my account and they refused to provide anything showing that this belonged to me. I was told by Affirm XXXX  times now that they are doing an internal review of the case and I would be contacted in XXXX days. In each of those instances I never received a call back nor have I ever received any of the information I requested that shows they are claiming this is my debt. I finally got fed up and told Affirm I would just pay it because its such a small amount and they declined that option and said they are doing an internal review to determine and send me the information I requested. Ive yet to receive that. Even during the course of the dispute Affirm reported every month as a charge off all while Im being told they are investigating. It is such a small amount I would have had no issue paying it but this is not my debt to pay and I am frustrated with getting no where with both XXXX and Affirm on getting this solved and off my credit report. I dont have any information to attach below because I have not been sent any that shows this is my debt even after the XXXX times I have requested them to provide it.
Consumer complaint received 2024-09-19
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

This is for a Bank of America credit card. Due to the charge offs made to my account XXXX, XX/XX/2021 from me having to take care of sick family and then the sudden and unfortunate effects from XXXX happening short after, Bank of America closed my account. Since opening and beginning my payments for this card I have not and was not late for an entire year. I had an exceptional payment history. Until said circumstances above came into play. I asked family that were able to help, help continue making payments but they fell short. I have since then asked Bank of America to remove this credit card from my account but they have refused. Even though It was very clear I had exceptional payment history with them and had no intentions on not making payments. This is no way to treat customers that were struggling with devastating family news and illness but still trying to pay there bills on time. I will like someone to look into my account and attempt to take this account off. Please I would be grateful Thank you.
Consumer complaint received 2024-09-19
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: NAVY FEDERAL CREDIT UNION (PA)

Dispute of Inaccurate Credit Reporting Account Number : XXXX Dear Sir/Madam, I am asking for a re-investigation. There are several inaccuracies on my credit report concerning the account with Navy Federal Credit Union, account number XXXX. Upon reviewing my credit report, I have identified multiple errors and inconsistencies that violate my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) .Attached you will find specific inaccuracies that I identified in my report, I request that these inaccuracies be thoroughly re-investigated and corrected immediately.