davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-29
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: Experian Information Solutions Inc. (FL)

I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.
Consumer complaint received 2023-09-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (FL)

I've requested from Synchrony Bank a itemize copy of my transactions showing me the balance with every transaction my balance keep getting higher when I purchase something but when a payment or return is added to the account I don't see the deduction and the balance keep getting higher. I've contacted the Bank several times asking for this informationI I was hung up on several times saying they don't do that. All the online shows the amount added and the deduction but the balance stays the same or go highter that's why I asked to see the balance everything their is a transaction, this is all I'm asking for so I can go over it with the hard copy, I'm in my XXXX '' XXXX so I'm a little slower than a younger person to understand different things that's why I need a hard copy of each transaction and then show the balance afterwards.It is a disability for me to just look at the charges and deduction without a balance showing the amount after each transaction
Consumer complaint received 2018-05-01
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (NY)

I reached an agreement in XX/XX/XXXX to pay {$60.00} a month. In turn my account would be brought current and late comments removed from the accounts. I spoke with an account manager named XXXX. I passed on a 60 % reduction in total payment owed to get the above conditions. I explained i fell behind to hospital bills for my children needing XXXX and my wife falling ill and being out of work. I wanted to make things right and passed on the above mentioned reduction. It is months later, I am enrolled in automatic payments and have not been late since. I have sent numerous certified mailings to address this with no return correspondence from Navient/Sallie Mae or XXXX. I can not get better rates at this time to pay off sooner due to these and it is affecting my job search as well as these are negative on my credit which has been pulled numerous times now. 
In XX/XX/XXXXXX/XX/XXXXNavient offered reduced intrest repayment plan of {$50.00} which i gladly would accept except XXXX XXXX XXXX would not recognize this agreement. XXXX XXXX is who i was told to contact. I tried to speak to Navient about this but was told speak to XXXX and hungup on. 
Additionally now I am being contacted by legal firm of XXXX, XXXX , XXXX XXXX. 
I simply want to repay my charge off based on the terms set in XX/XX/XXXX-XX/XX/XXXX.
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-04-29
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. (TN)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-29
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. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$24000.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed 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 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX  XXXX  of debt XXXX  and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXXXXXX XXXX XXXX XXXX XXXX bal. {$1100.00}, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-04-29
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. (MA)

I am filing a formal complaint regarding identity theft that has adversely affected my financial well-being. I believe I am a victim of identity theft, and I am seeking your assistance in addressing and rectifying the fraudulent activities associated with my personal information.
Consumer complaint received 2023-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NJ)

I obtained my XXXX XXXX risk solutions credit report. There was a U.S. Bankruptcy court item listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) If a credit reporting agency can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. 

The Bankruptcy Court has mailed me a letter which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the U.S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. 

My inquiry to the U.S. Bankruptcy Courts confirmed XXXX XXXX has never validated or verified this public record entry on my credit report, neither will they ever be by them They further stated while they are NOT liable or responsible for any MIUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unaware to the consumer, and in most cases, incorrect. Considering the information indicating a Fair Credit Reporting Act violation, I need all bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. 

Per the FEDERAL CREDIT REPORTING ACT, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify through physical verification of the ORIGNAL signed consumer contract and/or judgment ( s )- all accounts and public information that you post on anyone 's credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information. 

I have included my last letter sent to the credit agencies demanding this false inaccurate information be deleted from my consumer credit report and I have yet to hear back from them. I am herby asking that this be handled immedicably.
Consumer complaint received 2018-05-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (MN)

Unclear / Vague and Misleading rules about ticket exchange.

I purchased a ticket Flight from XXXX to XXXX - XX/XX/XXXXwith return on XX/XX/XXXX ( Ticket # : XXXX ( XXXX ). Method of payment my Delta AMEX ) Cost {$300.00} " Policy stated : This ticket is non-refundable unless the original ticket was issued at a fully refundable fare. Some fares may not allow changes. If allowed, any change to your itinerary may require payment of a change fee and increased fare. '' Due to my sister being in the hospital, I had to change my flight to retrun onXX/XX/XXXX instead. When I called the XXXX support agency, they asked that I prove my sister 's medical informaion, hospital name, etc., in order to the 'change fee ' to be waived. At that point, the return flight on XXXX cost the same as XXXX. The clerk said there would be no extra cost, but then we got disconnected. I called back to get another representative that stated I needed to pay an 'upgrage of ticket ' fee in order to get the ticket changed. I explained that XXXX Medical Policy does not menion any upgrade fee and that it waives the change fee, but the clerk did not want to follow policy. XXXX website : XXXX XXXX XXXX XXXX XXXX  Medical Emergency policy provides flexibility to the return portion of your trip by waiving service fees however, fare differences may still apply. ".

I called back another clerk to see if it was a bad representative. This one agreed with the first representative and change my second part of the trip to XX/XX/XXXX but said that I needed to hold for another clerk to verify the fare difference did not exist. Upon transfer, the next representative said that the price for this new ticket would be ' $ 300+ ' dollars. Which is outrageous. I asked to explain why, and this person again said that they had to sell me base economy and could not sell me a non-refundable fare. None of this is in the XXXX  policy and non of the representatives can agree.

After this conversation, I went ahead and bought my own one way flight back on the XX/XX/XXXX for {$180.00} USD ( XXXX   ).

When flying on the XXXX, I had 2 open reservations to check into. Both tickets were valid and the XXXX  clerk agents were confused why I had two tickets. They eneded up just canceling one on the spot because the system showed that I would be sitting next to myself.

What a terrible way to treat customers and write a bait and switch policy for medical emergencies. I'm extreemly upset at this company. Inconsistent customer cervice, lies about policy, and complete disregard for their own rules.
Consumer complaint received 2024-06-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (VA)

On XX/XX/XXXX I made a transfer of {$600.00} through my CashApp account. I transferred the money out of my checking account and paid a contact. Shortly after, I received an alert on my phone that my CashApp account had been locked due to suspected fraudulent activity. I then received an alert that my account had been unlocked. On Friday XX/XX/XXXX I received an alert that I had paid XXXX XXXX ( XXXX XXXX ) {$2100.00}. I do not know this person. I did not add this person to my contacts. I did not pay this person anything. I logged into my account to find that someone had emptied my checking account into my cash app. Then after several failed attempts to withdrawl the money, they added a contact and paid them. There are five failed attempts on my account and for some reason it was not locked. When I contacted CashApp immediately to report it I was told to just wait until they emailed me. That I would hear from someone in 10 days. I asked them why my account was locked and then unlocked. Why it wasn't frozen after three failed attempts to withdraw money from my account. Why I wasn't getting any answers or help. This was all of the money in my checking account. They offered me no assistance whatsoever. Just told me that they would send an email. Asked if I still had my phone, and who had access to it. This did not help me. I have bills being auto drafted out of this account. I have already had three items returned. How can someone log in to your account illegally, make several transfers in the middle of the night and go completely unnoticed. I don't know how someone got my information. I have checked all of my accounts, no other accounts look compromised. I have changed my pin, removed my bank account, but because CashApp has given me so little information in response to my request I don't know how to protect myself from this happening again. Now that I have had time to look at the app I see that someone signed into my account from an XXXX XXXX. I use a XXXX phone. I have never had a company be so non responsive to what is clearly a fraudulent series of transactions. I really don't think that people understand the risk associated with having an account with a company like CashApp.
Consumer complaint received 2024-06-13
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: Credit Corp Solutions Inc. (NY)

This company in question has consistently failed to adhere to the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) regulations. They did not make any effort to contact me, the consumer, regarding the alleged debt. Instead of notifying me and providing an opportunity to dispute or verify the debt, they directly reported it to the credit bureaus without my consent. This action constitutes a clear violation of my rights under both the FCRA and the FDCPA, which mandate that consumers be informed and given a chance to respond before such information is added to their credit report. There was no proper communication with the consumer before attempting to collect any alleged debt. Despite this, I have not been contacted directly regarding the debt in question, nor have you reached out to any close friends or relatives as stipulated in the FCRA handbook. This is a clear violation of my rights under the FCRA.
Consumer complaint received 2024-05-21
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. (GA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. 

Thanks,
Consumer complaint received 2024-06-18
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (NC)

Hunter Warfield has repeatedly added the same account to my credit report damaging my score. They say I owe for the month of XXXX but my lease ended in XXXX and my keys were turned it. They ( XXXX and the rental property ) have no move out notice or form for my keys being turned in. I have repeatedly had this removed from my account over the past XXXX years. I have been left homeless by these people but they will not leave me alone. They are robo calling me from local numbers and when I call back they are a random persons number not a company.
Consumer complaint received 2024-05-21
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 credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-06-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portnoff Law Associates, Ltd. (PA)

I received mail on XX/XX/year> saying " If within ( 10 ) days of the date of this letter ( XX/XX/year> ), you do not : ( i ) pay the above balance ( {$410.00} ) in full or ( ii ) notify PLA ( Portnoff Law Associates , LTD. ) or have your bankruptcy attorney notify PLA of your open bankruptcy case, legal proceedings will be instituted and, pursuant to an ordinance of XXXX XXXX XXXX, additional costs of collection, including reasonable attorney fees, will be assessed and added to the amount due pursuant to the fee schedule set forth on the reverse side of this letter. You can also avoid the imposition of attorney fees by entering into a payment plan with ten ( 10 ) days of the date of this letter. '' There was no notice of the right to dispute any charges.
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NV)

Despite XXXX previous attempts to rectify these issues directly with the credit bureaus and creditors, the fraudulent items remain uncorrected and continue to damage my creditworthiness. This letter marks my multiple attempts to resolve these issues, and I am in desperate need of your intervention.The continued presence of these fraudulent items on my credit report is a violation of the Fair Credit Reporting Act ( FCRA ), which entitles me to dispute and correct inaccurate information. The persistent inaccuracies are causing significant harm to my financial standing, and I am prepared to take legal action if necessary. Please conduct a thorough investigation into this matter and facilitate the immediate removal of the fraudulent items from my credit report. I request written confirmation once the deletion have been made. Kindly help me remove the following items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-21
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)

This account was charged off on the following date, XX/XX/year>. Since then, the account has repeatedly been updated as charge off every month. This is an update in the payment history. A charge off account should NOT include an active payment history. The account is also reporting on my credit report for more than XXXX years. This inaccurate information FALSELY manipulates the statute of limitations. You failed to investigate this account proper and your neglect has violated my rights. I am demanding a deletion of the following account immediately.