davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-16
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. (NY)

This letter is a request of the steps that your company took when investigating the disputed items. Please send me a detailed explanation of how you obtained these results. Did you receive written notification from the company or was it a verbal confirmation? Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
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: Experian Information Solutions Inc. (TX)

I reviewed my Consumer Reports and noticed that I had several late payments on some accounts in which, due to XXXX XXXX and an accident that my husband had, who is the one who makes the payments because he is the one who works and I notified all of this in the same way, we were also notified. difficult to make payments up to date. Therefore I need help since consumer reporting agencies have assumed a vital role and have the responsibility of reporting consumer information to the best of their ability with maximum accuracy. I am no longer late on the XXXXXXXX XXXX account ( XXXX ) Investigate and provide statements showing that these payments were late. If proof can not be provided, demand that these payments be updated so that I no longer have a negative report on my credit report. I appreciate anything you can do about it. Thank you.
Consumer complaint received 2024-08-16
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: EQUIFAX, INC. (NY)

This letter is a request of the steps that your company took when investigating the disputed items. Please send me a detailed explanation of how you obtained these results. Did you receive written notification from the company or was it a verbal confirmation? Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

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 XXXXXXXX Balanced {$0.00} XXXX XXXX XXXXXXXX Balanced {$1900.00} XXXX XXXX Balanced {$1400.00}
Consumer complaint received 2024-05-21
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. (AL)

I want all the hard inquiries deleted and want to find a way to secure my accounts XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX record until XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX On record XXXX XX/XX/XXXXXXXX XXXX
Consumer complaint received 2024-08-01
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)

I have items passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2023-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MI)

De

ar, Credit Reporting Agency I am writing in regards to my account with your institution. On a previous occasion, I requested proof of 24 late payments that were reported to consumer reporting agencies, despite my assertion that I was never late on payments for this account. This request was made in accordance with my rights under the Fair Credit Reporting Act. In response to this request, I received a response via the Consumer Financial Protection Bureau ( CFPB ) that did not provide the requested documentation to support the reported late
payments. As such, I am demanding the immediate removal of all associated late payments from my account. 

As I have previously stated, I have never been late on payments for this account, and I believe that these late payments have been reported in error. I trust that you will conduct a thorough investigation and promptly correct any inaccuracies in my credit report. 

I would also like to request that you provide me with documentation showing the removal of the associated late payments from my credit report in accordance with 15 U.S. Code 1681i ( d ). It is my understanding that any person who has received a consumer report containing the deleted or disputed information within two years for employment purposes, or within six months for any other purpose, should be notified of the deletion. 

Thank you for your prompt attention to this matter. I look forward to a prompt resolution.
Consumer complaint received 2024-07-18
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: American Credit Acceptance, LLC (NV)

I am writing to bring to your attention a concerning issue regarding inaccurate information on my credit report that I have been diligently trying to correct. Despite my repeated efforts to dispute and rectify this misinformation, it continues to be verified as accurate by the credit reporting agencies. 

I have followed the proper procedures outlined by the Fair Credit Reporting Act ( FCRA ) by submitting detailed disputes with supporting documentation to the credit bureaus. However, the inaccurate information persists, negatively impacting my creditworthiness and financial standing. 

I am seeking your assistance in investigating this matter further and ensuring that my credit report reflects only accurate and up-to-date information. I believe that the continued verification of this erroneous data is a violation of my rights under the FCRA, and I am hopeful that the CFPB can help me resolve this issue promptly. 

Thank you for your attention to this matter, and I look forward to your assistance in correcting this persistent error on my credit report.
Consumer complaint received 2023-03-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Mitchell D. Bluhm & Associates (AL)

MBA law {$1500.00} Original debt was owed to citizens hospital in 2021. 
XXXX hospital new employee was not trained to enter issuance correctly. Never received the first bill. 
More than 1 year later, I was turned over to a debt collector. I tried to straighten out bill. Due to I only owed 10 % of {$1500.00}, I have reached my medical deductible that year. The first collection stated that they would go Back to XXXX  and have it straightened out. The debt collector stated it was fixed. 2 years later, the debt is sold to another collector. I stated the issue and proceed to straight it out again. I ask for an explanation of benefits and found out it was still not filed with my issuance. I have offered multiple time to owe my portion ( {$150.00} ), many times and they refuse to file a claim with accordance of being a XXXX provider. 

I do not owe this debt and want it removed from my credit report. 

I have documentation, names and contacts within XXXX that will confirm my called and my attempts to straighten it this bill.
Consumer complaint received 2024-07-15
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. (CA)

From 2021 ( during XXXX ) to date, credit reporting agencies are reporting lates during a period of deferment and/or forbearance on XXXX accounts.
Consumer complaint received 2024-08-27
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (VA)

I attended XXXX XXXX XXXX XXXX XXXX XXXX  and was the victim of predatory lending practices. I have tried to lower my monthly cost on numerous occasions. I took out my first loan on XX/XX/XXXX in the amount of {$10000.00} and the second loan on XX/XX/XXXX in the amount of {$16000.00} my school 's student financial advisor told me that I needed to borrow {$10000.00} to stay enrolled in school and a couple weeks later she told me that I in fact needed to borrow another {$16000.00} because the tuition costs were {$26000.00} and not {$10000.00}. I was young still a XXXX who and I trusted the student financial advisor to correct the issue while also protecting me. She pressured me to borrow a student smart option loan that you pay {$25.00} but because I had 2 loans I had to pay {$50.00} a month while in school. I was told that my monthly payment to the loan went towards the interest while in school. I was told that the interest paid while enrolled would have an impact on my loan after I graduate and that my monthly payments for the loan was be affordable. I tried to consolidate my loans in XXXX I was told that the stipulations of the type of loan I had I was not allow to consolidate them. I tried to refinance my loans in XXXX but my credit wasn't good enough. Then I tried to refinance my private loans in XXXX they still said my credit wasn't good enough. Then I tried to refinance again in XXXX and this time because my credit was at XXXX score I thought my chances would be definite and I was told I could not because my school was close and there was no corresponding school they could link my loan to. Each of my private student loans are at 15.875 % interest. Navient will not work with me on a payment option I could afford despite being discharged from my federal loans because my school was found guilty for School Misconduct. My private loans have been an extreme burden for me and my family and the future of my family. Its held me back financially and I have run out of option. The day I received the School Misconduct Discharge application form Navient 2 hours later I received an email that Navient would be transferring my loan to a XXXX giving me a limited chance to submit my appliation and get an appropriate response before they transfer my loan. I have done my best to communicate with Navient and I have attempted numerously to make my situation better based on the circumstances I faced. I'm hoping that my complaint will have a better impact on how Navient handles my plee to me discharged from my Private loans or to help stop Navient with their aggressive collecting practices and provide me with option with a lower payment that I can afford.
Consumer complaint received 2024-08-01
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. (NJ)

I observed incorrect accounts on my credit report this evening, and Im unsure of the reason. Upon my usual check, I encountered these discrepancies unexpectedly. I refreshed my browser, hoping it was a temporary issue, but the inaccuracies were still there. Therefore, I am requesting a thorough review of the submitted documents to prevent future concerns.
Consumer complaint received 2024-07-29
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Subject : Complaint Against Kohl 's Credit Card ( Owned by Capital One ) I am writing to formally lodge a complaint against Kohl 's credit card, owned by Capital One, for closing my account without notification and other violations of applicable laws and regulations. 

I had a Kohl 's credit card since XXXX, which was in good standing and had been given a higher credit limit. In XX/XX/XXXX, I attempted to use my card at Kohl 's, and it was declined. Upon speaking with a representative in XX/XX/XXXX, I was advised that the account had been closed, but no additional information was provided. Despite sending a letter to Kohl 's to resolve this issue, I received no response. They violated my rights by not providing any notice of their decision to close my account. 

Additionally, Kohl 's reported a negative account status to all three credit bureaus, which has adversely impacted my credit score. In XX/XX/XXXX, Kohl 's charged off the balance. Last month, XX/XX/XXXX, I received communication from a third-party debt collector attempting to collect the Kohl 's balance. Once Kohl 's wrote off the debt, they were paid, making further collection attempts unwarranted.

Kohl 's has violated multiple regulations, including but not limited to : UCC Subsection 1-304 : This subsection mandates that every contract or duty within the Uniform Commercial Code imposes an obligation of good faith in its performance and enforcement. Kohl 's actions breached this obligation by failing to notify me of the account closure and subsequently reporting negatively to credit bureaus without justification.

UCC Subsection 1-201 : This subsection defines " good faith '' as honesty in fact and the observance of reasonable commercial standards of fair dealing. Kohl 's actions were not in line with reasonable commercial standards, particularly in terms of transparency and fair dealing.

5 USC Subsection 552 : This subsection pertains to the Freedom of Information Act ( FOIA ), ensuring public access to government records and information. Kohl 's lack of transparency and failure to provide necessary information when requested is a violation of this principle. 

Despite my efforts to resolve these issues directly with Kohl 's, including multiple communications in the month of XX/XX/XXXX, the institution has not taken the necessary steps to address my concerns adequately. 

As a consumer, I have the right to fair and transparent dealings, and it is evident that Kohl 's has not adhered to these principles. I respectfully request that the CFPB investigate this matter to ensure that Kohl 's complies with all relevant laws and regulations. 

Attached are all relevant documentation supporting my complaint, including my letter to Kohl 's, the invoice, and a list of violations. 

Thank you for your attention to this matter. I look forward to your prompt resolution of my complaint.
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

For a number of years, I have made repeated reports regarding the presence of accounts on my credit report that actually pertain to my XXXX  sister. It is a matter of concern as we share similar names, have the same date of birth, and our social security numbers are very close. Furthermore, our signatures bear a striking resemblance to each other. I am unsure if this is an intentional case of identity theft or if there has been an accidental mix-up where educational institutions accessed the wrong records. 

Regrettably, I have not been in contact with my XXXX  sister for many years, hence I am unable to verify the origin of the discrepancy. Consequently, I am formally presenting a request for the removal of these accounts from my Equifax and XXXX credit reports, a request I have been making for approximately ten years.
Consumer complaint received 2024-06-07
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 (NC)

On XX/XX/year> my wife attempted to purchase XXXX XXXX from a website named XXXX. When she proceeded to check-out, you are only able to select Pay-Pal related payments. You are re-directed to Pay-Pal 's purchase page. The purchase amount was {$120.00}, and since my wife 's PayPal account balance was less than this, the payment was processed through PayPal on our Sam 's Club XXXX ( credit card - Synchrony Bank ). You are not directed back to the XXXX cart, there was no confirmation screen nor email nor code nor tracking info. The charge is redirected by code to recharge XXXXXXXX XXXX for a separate account in some other country ( not linked to the site ). You cant track the order through the XXXX site, since there is no tracking nor order number. My wife 's PayPal account shows a purchase labeled XXXX XXXX XXXX. The reference on my credit card statement is XXXX XXXX XXXXXXXX XXXX To be clear, we DO NOT have an account with XXXX. To be clear- we never received any XXXX XXXX. If you try to contact XXXX, the contact info on their website is fraudulent. The one address and phone number in XXXX XXXX is actually a closed XXXX XXXX XXXX XXXX The second address and phone number in Arizona is actually XXXX XXXX XXXX XXXX. When I contacted Synchrony Bank about this fraud, they did investigate. However, they view XXXX as the merchant and XXXX replied to Synchrony confirming the amount in question was indeed paid to a XXXXXXXX XXXX  via a purchase of XXXXXXXX XXXX funded by utilizing our credit card. Synchrony Bank will not reverse the charge on my account as they say we authorized this payment to XXXX. I have argued with Synchrony, that we did not authorize the purchase of XXXX coins, and that we were trying to purchase XXXX XXXX from the XXXX website ( which were never received ). We consider this fraud. Synchrony did request additional documentation from us. I have sent them screen shots of the XXXX home page and the website pages that show the fraudulent contact information. But I have no order confirmation or other info to give the bank as we never received anything as described above. The additional documentation did not help my case. They still claim that we " authorized '' this transaction, which we most certainly did not. At this point the bank has dug in its heels and will not reverse this charge. We are hoping you can help us in convincing the bank that this is a fraud perpetuated on us through a somewhat elaborate internet purchase scam.
Consumer complaint received 2024-08-07
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: NAVY FEDERAL CREDIT UNION (GA)

I paid off my XXXX  loan in full with Navy Federal Credit Union on XX/XX/2024. On XX/XX/2024 I paid XXXX. On XX/XX/2024 I paid XXXX. 
I called on XXXX different occasions requesting that my title be sent out to me in the mail or to find out if I could come into a branch and pick up my title. I was assured on by all XXXX  Representatives that they would schedule my vehicle title to sent out to me. And still to this XXXX I have not received my vehicle title.
Consumer complaint received 2024-08-16
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: EQUIFAX, INC. (NY)

Im really upset to find unauthorized inquiries on my credit report tonight. Im baffled by how they appeared out of nowhere. I even refreshed the browser, hoping it was a glitch, but the problem remained. I urgently need the documents I sent to be thoroughly reviewed so I can put this worry behind me.
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, no later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM XXXX
Consumer complaint received 2024-08-29
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. (VA)

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.