davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-03
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. (TN)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX has violated my rights. Or list of i nquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

It's been quite awhile since I've pulled a credit report. When I did, I found the XXXX XXXX line to be inaccurate. I have also file a report with identitytheft.gov and will attach it to this submission.
Consumer complaint received 2024-05-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (TX)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-08-02
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: VYSTAR CREDIT UNION (FL)

I am writing to formally file a complaint against VyStar Credit Union concerning unauthorized charges and the incorrect reporting of my account to the credit bureaus. Below, I outline the specifics of my case : I maintained a savings account with VyStar Credit Union, which was set up to automatically transfer {$1000.00} regularly to my XXXX XXXX checking account. Despite the fact that my VyStar savings account balance reached {$0.00}, the system erroneously continued processing these transfers. 

From XX/XX/XXXX, to XX/XX/XXXX, my VyStar savings account had a negative balance of - {$1600.00} due to these unauthorized transfers. Importantly, I never elected for overdraft protection on this account. The attached statements confirm that no overdraft protection fees were ever applied. Therefore, according to standard banking practices, transactions should have been denied and should not have allowed my account to go into a negative balance once the funds were depleted. 

The unauthorized negative balance arose from a failure of VyStar 's own automatic transfer system. Despite my efforts to resolve the matter by contacting VyStar branch managers, they were unable to provide an explanation and assured me that the error would be investigated and that I would not be held accountable for it. 

However, VyStar failed to follow up with the results of their investigation or offer me any resolution. Instead, they erroneously reported my account as a charge-off to the three major credit bureaus, causing significant damage to my credit score. My attempts to dispute the charge-off were met with the response that VyStar could not amend the status. 

The fact that this account was reported as a charge-off, despite a lack of overdraft protection and my non-responsibility for the system error, constitutes a violation of the Fair Credit Reporting Act. Credit reporting must be accurate and fair. VyStar 's actions, including the incorrect charge-off and failure to rectify the error, are in clear violation of this law. 

The erroneous reporting and mishandling of this issue have had severe repercussions on my financial health. I request immediate correction of the charge-off status with the credit bureaus and resolution of this matter to rectify the damage to my credit report.
Consumer complaint received 2023-09-27
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)

This is my 13th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 2019-07-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.
Consumer complaint received 2024-07-12
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: Experian Information Solutions Inc. (NJ)

On XX/XX/XXXX I disputed with Experian a crdito that was added to my credit report. On XX/XX/XXXX a collector was added to my report on behalf of the creditor I disputed. I submitted another dispute for these two items as I never received any documentation pertaining to these debts. Experian decided that the disputed items were to remain on my credit report to which I requested a dispute process from them. I also send letters to the collector with no response. On XX/XX/XXXX I disputed again based on the fact that this lender and collector dont reply to my quest of a debt verification letter. But Experian refuses to provide any information and I cant anything from the collector or lender.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TN)

I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.
Consumer complaint received 2019-06-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (MD)

I graduated from the XXXX XXXX in XXXX and am not currently enrolled in any higher education institution. I spoke to XXXX at the US Department of Education Federal Student Aid Information Center at approx. XXXX on XX/XX/XXXX. During that call, he told me that any payment made during repayment status with FedLoan could count towards PSLF, regardless of my NSLDS enrollment status. On XX/XX/XXXX, XXXX from Fedloan Servicing sent me an email appearing to contradict this by stating that any payment made during an in-school status would not count towards PSLF. Additionally, XXXX also stated that he did not believe form SDWFR-XBCR would not solve my issues. As a result of these two different answers, I do not understand whether my prior and future repayments can count under PSLF. If my status is still in-school, and my payments do not count towards PSLF, I don't also understand how I can even be in repayment status ( instead of in-school deferment ). I also feel powerless to correct this issue.
Consumer complaint received 2024-07-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-08-21
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: WELLS FARGO & COMPANY (AZ)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.
Consumer complaint received 2024-05-18
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: Experian Information Solutions Inc. (LA)

I am submitting a follow up to dispute these remaining entries as a result of erroneous information reporting. The disputed items are not connected to any transactions that involve the acquisition of goods, services, or money that I have conducted or authorized. Please proceed with the removal of these entries from my credit report, as they arose from inaccurate reporting. These entries are unfamiliar to me, and I have concerns about their accuracy since similar entries have been deleted by other credit bureaus. As mandated by FCRA 605B ( c ) ( 1 ) ( C ) concerning the authority to decline or rescind inaccurate information, I request the following entries be removed. 
EXPERIAN : 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  Again, the items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please remove the reporting of these items in my credit file that resulted from an alleged erroneous information reporting. I appreciate your prompt attention to this matter and await your reply.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2019-06-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (MA)

In XX/XX/XXXX I contacted the financial institution to inquire as to why the PMI portion of my loan had not been removed. I was told that the principle had not yet been reduced to 78 % of the original amount of the purchase price. I was told that I could pay the loan down to the 78 % mark or I could simply wait until XX/XX/XXXX and it would reach that point at which time it would be removed automatically. They continue to refuse to remove it. I have spoken to them by phone now on 4 occasions since XXXX. Each individual I have spoken to has told me that it should have automatically been removed in XX/XX/XXXX.  Told me to just keep paying the amount due each month and they will get it fixed within 15 days and they will then credit me for the over payment. Now they refuse to remove it unless I pay them {$400.00} for an appraisal using an appraiser of there choice. Something about a disaster declaration in Florida in XXXX. This is complete nonsense. Property values as well sales prices have increased by roughly 35 % since I purchased the home in XXXX in the XXXX XXXX Fl. area. If I chose to sell the home it would list for approximately {$75000.00} more than I paid for it. In addition I paid {$5000.00} less than the appraised value when I bought the home so in actuality I passed the 78 % mark long ago. 

This is nothing more than a basic scam from a bank with one of the worst reputations in the country. I didn't take the loan out with them to begin with and never would have. Apparently they are a subsidiary New Penn Financial and somehow ended up with the loan.
Consumer complaint received 2024-05-20
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 2019-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

There are two concerns here. 

The first is due to all the selling and changing of accounts XXXX XXXX XXXX Changing of websites and things ending up in XXXX back in XXXX. The way i had my loan all set up for leaving town for an extended amount of time. 


I was unaware of the change at the time and i was in an extended forbearance. You can see my credit report supports this. I was without phone service most of the time and i surprisingly found out i was over two months late on a loan i was under the impression was in a forbearance. As you can see in the photos due to me registering to get electronic statements and applying for another forbearance ( which XXXX was very helpful with ) they said they could backdate my forbearance from XXXX to XX/XX/XXXX and would remove the late pays on my credit report. almost 6 years later i come to find out the 60 day late is still there and i was misled and i feel they should be deleted even if as a goodwill gesture. 
As you can see ive done what i can to keep this loan in good standing and I would hope that what i was told can be honored and the 60 day late pay can be removed from all 3 CRA. 


The other ISSUE is a bit tricky and complicated but at the heart of it beginning XXXX i started getting into the IBR program i had issues getting all the paperwork accepted and each time it would take and extra 30 to 60 days, Part of IBR is to get 3 years no interest tacked on. 
Ive had issues re certifying because of the time it takes and see it isnt as simple as 3 consecutive years with no interest. However since XXXX i have had 36 qualifying payments and i think they should be honored. The average monthly interest is {$50.00}. 
even if you calculate that from month one of XXXX taking over this loan XX/XX/XXXX that is roughly {$3600.00}. The balance started at {$14000.00} and is now today {$17000.00} a difference of {$3700.00} so ive been charged OVER the full amount of interest. with 3 years 36 months of qualifying ibr payments i feel the promised 3 years no interest should be honored which would be equal to {$1800.00}.
Consumer complaint received 2024-05-20
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. (GA)

Recently I looked at a copy of my credit report and noticed several incorrect accounts. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. It is my understanding that you will investigate these items for me to ensure accuracy. Here are the items I am asking you to verify as accurate : 1. XXXX Account Number : XXXX ACCOUNT BALANCE : $ XXXX MONTHLY PAYMENT : {$2500.00} TERM : XXXX After your investigation is complete, please send me the results via mail. Thank you in advance.
Consumer complaint received 2023-04-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (WA)

On XX/XX/2023 I received a incorrectly deposited check in the amount of {$38000.00} This check was accompanied with a deposit slip with my account number hand written by the Chase bank in XXXX Texas. This is the second time this has happened to my account from the same branch. This time CHASE decided the freeze my entire checking account which had over XXXX of my money. I received a notice from my mobil app that my account was {$4300.00} over drawn!! When I checked I had a XXXX balance. I immediately called the XXXX customer service number and was told my account has been frozen due to fraudulent activity and I needed to go to my local branch. I told the person on the phone this was due to their error which was plainly visible in my account and I had no trouble with them removing that XXXX from my account but they had no right to freeze my assets.. This person could not help me and would not let me speak with the team that handles this type of accounting issues. I kept pushing that this needed to be taken care of and after 10 - 15 min of holding she said she would transfer me which the next person gave me the same level of customer service and put me on hold which then the call dropped after 10min of being on hold. I had to call back again and spoke with someone who was helpful and she was able to get them to release the hold on my account and my balance was back to its correct amount before the {$38000.00} mix up that was 100 % Chase 's fault. My issue here is I don't believe CHASE has the right to withhold MY money for something they did wrong and was plainly visible to them. My other issues is what is being done at that local branch to ensure the teller who made this mistake is properly trained to ensure this does not happen again ( since this is twice now ). I feel my rights have been violated as I was not able to access my money and had to fight and persist with chase until this was resolved. I need explanations as to why this happened and if CHASE followed proper procedures on denying my access to my money. CHASE has been in the news serval times with other customers who have had their account drained and had to get the News involved because CHASE does not work with their customers very well.
Consumer complaint received 2024-06-08
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. (SC)

I am asserting my right to dispute and investigate these incorrectly reported accounts on my credit file. As per the Fair Credit Reporting Act, I should receive {$1000.00} for each erroneous report. I know that FCRA 605B obliges us to report any incorrect information on a consumer 's report.