davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-17
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. (IL)

My chief complaint is that I am experiencing difficulties with the credit bureaus complying to my request to a ). delete inaccurate information from my credit report, and b ). furnace proof of their investigations into the inaccuracies. To date, there has been no resolution and these companies are in direct violation of my consumer rights. I have submitted a previous complaints over the course of the last 9months and counting, via regular mail, and through the online dispute portals. I have also furnished proof of the multiple inconsistencies reported across my credit reports, yet the credit reporting agencies are affirming that it is verified an accurate ( see attachments ). How is this possible? I have a firm reason to believe they are not doing a thorough job in their investigations, nor are they providing me with evidence of their investigation, which I have requested on multiple occasions. All of these accounts ( XXXX-as reported to Transunion and XXXX ; XXXX and XXXXreported to XXXX, XXXX, Transunion ) listed in my documentation are reporting inaccurate information to the three credit bureaus which is detrimental to my financial health. 
Previously I have submitted disputes but I am encountering the same results with each bureau either reporting it as verified or unchanged. However, I challenge that as incorrect/not legitimate as it only takes a quick look at the reports, to see that something is amiss. They have a responsibility to report verified, fair and accurate information and they are not doing so. I also reached out to the creditors and they are unable to provide assistance. I did receive correspondence from the bureaus and I will attach it in the attachments section of this complaint form.
Consumer complaint received 2024-07-12
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: Chime Financial Inc (TX)

XX/XX/year> a {$530.00} Authorized charge was made on card. Several charges were made afterwards and transactions were visible every time card was used. Once the car was returned a final statement was posted and my {$300.00} deposit wasn't returned back into my account. I've provided all the proof that was required and I keep getting told they can't assist me and my dispute was denied. I've screenshot chat conversation with customer support. 1 month later still no help.
Consumer complaint received 2024-01-04
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (MA)

Dear Synchrony Bank Dispute Resolution Department, Attn : Three Major Credit Bureaus I am writing in response to your recent correspondence concerning the status of my Lowe 's account ending in XXXX. I am compelled to address the erroneous claim of a delinquent or derogatory status on my real estate secured loan, as stated in your letter. This claim is inaccurate and has unjustly impacted my credit score and financial standing. 

For over 10 years, my Lowe 's account has been diligently managed with automatic scheduled payments. The assertion in your correspondence regarding delinquency on my real estate loan is not only incorrect but also contradicts my credit report and financial records. 

Furthermore, I would like to highlight that I currently hold two real estate loans, both of which are up-to-date and without any issues. Enclosed, please find the following documents substantiating my claim : A copy of my most recent yearly credit report from XXXX. This report clearly shows that there are no delinquencies or derogatory marks on any real estate-secured loans under my name. 

Bank statements and canceled checks from XXXX XXXX XXXX, demonstrating timely payments for the periods in question for both real estate loans. 

Documentation for both real estate loans, confirming their current status and my consistent adherence to the payment schedules. 

Given this evidence, I respectfully request an immediate review and correction of the records pertaining to my Lowe 's account. 

Specifically, I ask that you : Conduct a thorough investigation into the reported delinquent status and rectify any inaccuracies in your records. 

Update the information reported to the credit bureaus to reflect the accurate status of my financial obligations. 

Reopen my Lowe 's account, considering the closure appears to have been based on incorrect information. 

The erroneous reporting has caused significant inconvenience and distress, and I trust that Synchrony Bank will address this matter with the urgency and seriousness it deserves. I value a fair and accurate representation of my credit history and believe that rectifying this error will benefit both parties. 

I appreciate your prompt attention to this issue and await a positive resolution. Should you require further information or clarification, please do not hesitate to contact me. 

I also humbly request the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. 

Thank you for your time and understanding. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-01-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (NY)

On XX/XX/XXXX, I received a fraud alert text message which I responded no to. I was then contacted by someone from a TD bank number according to my caller id and went through steps canceling my compromised card being instructed on how the funds were going to transferred for safety ( through XXXX XXXX ) and in XXXX separate transactions a total of {$1400.00} was taken from my account. ( {$700.00} and {$750.00} ) as this was happening I realized that this was an unusual way to correct the problem and when I stated it to the caller was promptly hung up on. I was admittedly distracted by a task I was doing and just following the instructions of the caller which I thought was from TD bank on a routine call. 
After they hung up, with in XXXX seconds contacted my bank to report the incident and a dispute was filed. This was on a Saturday. On Tuesday ( it was a holiday weekend ) I went directly to the bank, opened a new bank account, and was informed that TD would be monitoring the compromised account for XXXX  days. Was informed that the scammers had accessed my bank account and changed my password That Wednesday my account was credited with a provisional credit. Approximately XXXX weeks later the provisional credit was rescinded and when I contacted the bank they informed me that they concluded there was no fraud because I authorized the transaction where my money was stolen. I then opened another dispute on the fraud and included proof of the text fraud alerts, the incoming calls from the scammer alleging they were calling from TD bank, the transactions that transferred the funds to XXXX separate XXXX XXXX accounts and the proof that those funds with immediately transferred out of XXXX XXXX to some unknown account. All of which I provided to the bank, both directly by physically giving them a copy and by faxing a copy of this information. Once again they denied my claim that this was fraud and rescinded the provisional credit. At this point I was so angry and frustrated I did not attempt to argue with the bank because clearly they were not in agreement with me that I had been the victim of a fraud scam. Last night on XXXX XXXX XXXX I watched a segment that highlighted a person that was scammed in the exact same way that I had been and reasserted my options, which said to file a dispute with you
Consumer complaint received 2024-04-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NJ)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2024-04-12
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc. (SC)

i have reviewed a copy of my report and i saw numerous fraudulent accounts that I wanted to remove w/ Experian as soon as possible. Kindly help me remove the following : XXXX XXXXXXXX # XXXX ; date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX ; date opened XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX # XXXX date opened XX/XX/XXXX XXXX XXXX XXXX # XXXX date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Maximus Federal Services, Inc. (TN)

I have been trying to deal with this company since XXXX of 2023. I knew my student loans were about to start back up, even though I continued to pay them throughout the pandemic, I needed to resubmit my IDR, I spoke with their customer service and they told me that my IDR was approved - I never received any paperwork confirming. The service rep told me that my XXXX payment would be what I have been paying {$160.00}, which is what I am able to do on my XXXX  salary. XXXX rolls around and I get a bill for {$360.00}. I pay the {$160.00}, because that is all I can afford and call again. They say that my new payment is {$370.00} with my IDR- now normally my XXXX and I both go through the IRS approval to get our IDR, there was none of that process this time. I told the service rep that I can not afford the {$160.00} right now as I haven't had a raise in over XXXX years. She asks if I want to defer or go into forbearance, I told her I had to think about it because the interest would be outrageous. Well I tried to schedule a meeting and every single date is taken, I call XXXX XXXX and ask for deferment/forbearance info and I still have yet to receive. I have done some research and found paperwork, but until that goes through I have payments that are compounding. The fees are ridiculous and at the rate I don't know how I am going to pay them back. It is practically impossible to talk with a human and I am at my wits end.
Consumer complaint received 2023-12-31
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Maximus Federal Services, Inc. (AZ)

Aidvantage began sending letters early last year claiming to now be the owners of my student loan debt from the art institute of California and attempting to collect. The envelopes are from the XXXX Department of Education and bear that seal and the return address is the XXXX XXXX XXXX, and states they are the official servicer of federal student aid. Multiple attempts were made on the phone and by email to obtain validation of the transfer. A debt collection validation letter was sent by certified mail on XX/XX/XXXX to the address po box XXXX, XXXX, Oregon XXXX, the address listed in the letter as their physical mailing address. Since then two additional collection letters and threats to begin charging penalties, reporting the failure of payment to credit agencies, and possibly sending it to a debt collection agency, have been sent with no response to the debt validation request. 
The letter will be uploaded as an attachment below. 
No part of the requested information has been provided, nor acknowledgement they have received the certified mail delivery. USPS can confirm that the letter has been delivered.
Consumer complaint received 2023-12-30
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. (OH)

XXXX, XXXX AND EXPERIAN ARE REFUSING TO REMOVE INFORMATION FROM MY CREDIT REPORT THOUGH I HAVE PROVIDED AN FTC IDENTITY REPORT, AND POLICE REPORT. 

I HAVE ASKED EACH BUREAU : Please block and remove all information resulting from Identity

Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

IN WHICH THEY HAVE REFUSED TO DO SO.
Consumer complaint received 2024-04-13
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)

I am submitting a follow-up complaint regarding my credit file, which appears to have been compromised due to a lack of action on previous removal requests, despite the support of FTC reports XXXX XXXX, # XXXX, and the most recent, # XXXX. As a victim of fraud, I am once again insisting on the removal of entries stemming from such fraudulent activities from my credit report. According to the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), you are required to eliminate any disputed items within four business days following XX/XX/XXXX. This issue was highlighted in my prior communications and is underscored once more due to a new FTC report. The entries listed below are unrecognized by me and have been removed by other bureaus, which casts further doubt on their accuracy. 
EXPERIAN : XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX -- -- -- -- -- -- XXXX : XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX. This notice serves as a final warning. Failure to comply with the mandated removals as stipulated by FCRA 605B will compel me to initiate legal proceedings. My legal counsel has been briefed on your willful non-compliance and is prepared to pursue all necessary actions to enforce my rights.
Consumer complaint received 2024-04-13
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 want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$300.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-13
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (PA)

I've always made it a point to ensure timely payments on this account, never allowing them to become overdue. However, I'm unsure about the reasons behind the reports of late payment remarks on my accounts. Based on 15 USC 1666b - Billing Error, this should be corrected.
Consumer complaint received 2024-01-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc. (MA)

I have been trying to login to my account since XX/XX/2023, and the website keeps saying that it does not recognize my account number/social security number. I want to login so I can set up autopay with my checking account, so I don't have to mail them a check. 

I missed my first payment because I thought I was easily going to be able to register on the site before the due date. No information whatsoever has been sent to me via mail if I have been charged a penalty. 

They have an automated phone system, but when they say they will connect you with a customer service rep, they never pick up. I have waited XXXX hours with my phone sitting on my desk, still no answer. I work full time, and can't sit on the phone all day and wait. 

Also, the website also has no email address or contact form available. 

All I want is for someone from customer service to call or email me to fix this issue.
Consumer complaint received 2024-01-03
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

I was denied a price match for reservations through Capital One 's travel portal. Despite meeting all criteria on the website ( XXXX XXXX XXXX ), the supervisor mentioned an unlisted policy excluding discounts on third-party sites and denied me the request. 

I feel unfairly treated, especially considering there is no mention of a discount policy even after conducting a XXXX search. While the supervisor acknowledged the absence of this information in the terms and conditions page, no action was taken to rectify the situation. When seeking assistance to escalate the matter, I was informed there is no higher authority available to speak with me. Despite the supervisor 's promise to take a note, no resolution or timeline was assured. This experience has not only resulted in a lack of clarity and financial loss but has also eroded my trust in my relationship with Capital One
Consumer complaint received 2023-12-30
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: DriveTime (TX)

I was called by a man identifying himself as a process server named XXXX XXXX. He informed me that he was hired to notify me about a lien against my house and to call XXXX XXXX XXXX. He provided their number and a case number. He then said this is an official notification that I have been served. 

I called a lawyer and informed them of the incident and was advised to call the number and to inquire if it they are suing me, and to get the details of the supposed debt. His office was unable to find a case number in any nearby county that matched the case number provided. The lawyer also informed me that you can not serve someone over the phone.

I called the number and was informed of a debt where the details of the supposed debt do not match a historical debt that is too old to collect and sue on. I asked several questions to inquire about the claim and the supposed lawsuit. I was asked many times about a letter that I never received. When I asked if they needed a response from me, why didn't they send the letter certified mail or serve me with papers in person, I was told someone would be at my door within the hour. This is the next day, and no one has shown up. I was given the name of XXXX XXXX as the lawyer in charge of my case, but when asked about a BAR number or any identifying information about the lawyer, I was told it will all be on the paperwork served to me and was promptly hung up on. 

I'd been given non-legal advice to wait to be served in person or on my front door, before contacting this company any further.
Consumer complaint received 2023-12-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bridgecrest Acceptance Corporation (TX)

Bridgecrest is saying that i own them money but cant not show me how so I owe them. I did not do business with them. They are taking advantage of me. They are are causing problems and hardship in my life. They were not able to validate the debt they were claiming. I sent in a ceased and Sis letter to drop the claims and harassment. They are defaming my character which is a civil offense.
Consumer complaint received 2023-12-26
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. (MD)

I did not initiate these inquiries, and I strongly suspect them to be fraudulent. I am formally requesting that you undertake a thorough investigation and take necessary measures to remove them from my credit report. I have enclosed the required documents as evidence supporting my claim.
Consumer complaint received 2023-12-30
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. (FL)

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. 

XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX 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. Section States : No consumer reporting agency my make any consumer report containing any of the following items of information, Any other adverse items information, other than records of convictions of crimes which antedates the report by more than 7 years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer report agency the person knows or has reasonable cause to believe the the information is inaccurate.
Consumer complaint received 2023-12-30
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (PA)

In 2020 I fell into financial ruin due to losing my job on more than one occasion and then being forced to move out of my parents house as a result of a toxic living situation and domestic violence issue. My bills more than tripled and I was forced to choose which bills to make a priority and pay. I receive government assistance for food, energy, and XXXX I have told these creditors repeatedly that I do not have any money to pay them yet they still continue to call and harass me and they have also reached out to my parents and their previous employers which is harassment. I would pay my debts if I was financially able to but I cant.