davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION (WV)

This account was closed as a result of the paper statement fees that Truist charged to put my account into the negative. It was not because I overdrawn my account. Received a letter that company closed Truist One Checking Account that was opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX. From the letter the balance due was {$38.00} and that includes a {$30.00} charge-off account fee. My parents set up automatic deposits to my account every XXXX weeks of {$100.00}. I was unable to access my information through automated banking and was unable to set up online banking.. 

I called the Truist Recovery Department on Monday, XXXX XXXX XXXX and spoke with a XXXX XXXX XXXX XXXX  ). Inquired on why the account was closed when it was a new student banking account. XXXX informed me that after 30 days the system will automatically closed the account. I stated that {$6.00} of the overdrawn amount was the {$3.00} fee charged for receiving paper statements. ( I am enclosing statement showing that statement fee increased the amount ) I asked about the negative reporting of " closed unsatisfactory '' status that the letter stated would be sent to specialty check reporting agencies. I stated that I am XXXX XXXX XXXX first checking account and that they were trying to ruin my credit over {$8.00} which was only {$5.00}. Account history will show that no excessive use to overdraw the account. 

I asked to speak to a supervisor and was denied by XXXX. He said the company policy was to advise client to wait 24-48 hours to speak to a supervisor. I then verified that XXXX was indeed denying me the opportunity to speak with a supervisor. He said a payment had been made for {$38.00} and the account was permanently closed. I stated no one has remitted payment but that automatic deposits have been sent to my account. I then asked where the remainder of the funds were and XXXX was unable to provide me an answer. He said he would send a letter to my email address stating the account was paid and closed. I have not received the letter. 

I asked again to be transferred to customer resolution or the Presidents office because I wanted to formally complain and XXXX said he could give me a number to call but that he could not transfer me. He gave me the number of XXXX 

This closure of my account was not my fault and now it can affect my ability to open a checking account in the future and have negative impact with check reporting agency. And the {$30.00} fee that was charged ridiculous also considering that Truist increased the negative amount by charging {$3.00} paper statement fee
Consumer complaint received 2024-01-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (TX)

Im making this complaint because I have filled a ftc report, as well as disputed this fraudulent debt XXXX  times with no resolution. In need of help with the false discipinces on my consumer report. 


Account XXXX XXXX XXXX Account Type : Collection Account Status : Derogatory Date Opened : XX/XX/XXXX Balance : {$110.00} Payment Status : XXXX XXXX  Reported : XX/XX/XXXX
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Upon reviewing my recent credit report, I have identified discrepancies that require immediate attention. The company has acknowledged this error and has committed to remove the accounts. Other credit bureaus have already removed the accounts after the company recognized the inaccuracy of the accounts. I kindly request a thorough investigation into these accounts and prompt communication of the findings via mail. According to information available online, such disputes should be resolved within 30 days. Therefore, I expect to receive your response within this time-frame. 

DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

Subject : Urgent Removal Request for Inaccurate Items on Credit Report Dear Sir/Madam, I am writing to urgently request the immediate removal of XXXX inaccurate items from my credit report provided by XXXX. Upon reviewing my credit report, I have identified XXXX XXXX that require immediate attention and correction. I demand the prompt removal of the following inaccuracies : XXXX. Charge-off : [ Provide details of the charge-off, including the account number, date of charge-off, and amount ]. 
XXXX. Late Payment : [ Specify the late payment instance ( s ), including dates and account details ]. XXXX. Settlement : [ Detail the settlement and any discrepancies related to it ]. 
XXXX. Inquiries : [ List any unauthorized or incorrect inquiries ]. 
XXXX. Repossession : [ Provide details of the repossession, including date and account information ]. XXXX XXXX XXXX Issues : [ Detail any issues related to credit card accounts ]. 
These inaccuracies not only misrepresent my XXXX but also violate the Fair Credit Reporting Act ( FCRA ) guidelines. As such, I demand their immediate removal to prevent further harm to my XXXX profile. 
I remind XXXX of its obligation under the FCRA to ensure the accuracy and integrity of credit reports. Failure to promptly remove these inaccuracies may result in XXXX action. 
I expect immediate action on this matter and request confirmation of the removal of the disputed items once the necessary corrections have been made. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-04-23
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. (MI)

Fraudulent inquiries on credit report 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 2024-04-23
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. (IL)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I have late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments Ive attached a copy of my report to this complaint on the following dates. Also my due date for this account is always on the XXXX of each month. The system always marks it late on the XXXX ( not the actual due date ) I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (TX)

I contacted Resurgent Capital Services on XX/XX/2023 regarding a collection notice I received in XX/XX/2023. I requested a debt validation including the original signed contract, but the creditor mailed me a 2-page statement that just shows late fees.
Consumer complaint received 2024-03-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Titan Revenue Solutions (NY)

I don't recall having a contractual relationship with this collection company TITAN REVENUE SOLUTION. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Affirm Holdings, Inc (NY)

In regards to this complaint is that this has been paid off 5 years ago, At the time I was in hardship of the account being open.I was unaware that the company filed a negative report to the credit bureau which is XXXX.Now it is hurting my credit score.I attempt to call both the company and bureau to solve the problem and that did not work out. 





AFFIRM INC {$0.00} NEGATIVE Suggested Status Closed Credit LimiXXXX 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 2024-02-06
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: Diversified Adjustment Service, Inc. (NJ)

On or around XXXX of XXXX someone made a contract with XXXX using my identity to get service. When i went to purchase a car in XX/XX/XXXX I had discovered the fraudulent act.
Consumer complaint received 2023-08-28
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: JPMORGAN CHASE & CO. (IL)

XX/XX/XXXX Re : Notice of disputed charge to Account I am writing to dispute a charge of {$3100.00} from XXXX XXXX  to my Chase credit card account on XX/XX/XXXX. The charge is in error because I never received the item ordered ( a couch ) and subsequently was told by the seller that I will not be receiving the couch. I attempted to dispute directly with the merchant but they are not reimbursing unsecured creditors. I filed a dispute with Chase, but I cant dispute through the normal channels because the delivery of the couch was estimated XXXX weeks after purchase, but I was subsequently told I would not be receiving the item. 

I ordered the couch on XX/XX/XXXX with estimated delivery of XXXX weeks. I was then told there were delays due to supply chain issues. I then learned ( XX/XX/XXXX ) that XXXX XXXX  was being Assigned for the Benefit of the Creditors ( ABC ), but that our order might still be fulfilled. I later learned ( XX/XX/XXXX ) that the order would not be filled. I contacted the merchant repeatedly and filed a claim with the lawyers for the ABC, with no success. I have exhausted all efforts to resolve this directly with the merchant. 

I subsequently disputed the charge with Chase, but I was denied due to the timeline.
Consumer complaint received 2024-04-23
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. (CA)

Got A stall letter tactic from transunion on XXXX XXXX XXXX  which was very rare and strange that transunion did not even do any investigation or a reasonable investigation as The FCRA requires transunion to perform. I sent on XX/XX/2024 the correspondent document with proof of identity already twice. Transunion ran a foul of FCRA section 611 ( a ) ( 7 ). Transunion want to push corporate company policy on me instead of following FCRA Law as It is Federal law that Transunion has to comply whether Transunion likes it or not. It's Federal Law that rules here, not Transunion corporate policy. My consumer rights have been trampled on. Transunion failure to forward me the required documentation as well as forward documentation to the furnisher as required by law has violations left and right. Please CFPB i would like this resolved, Transunion is laughing at the FCRA.
Consumer complaint received 2023-09-26
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Mr. Cooper Group Inc. (CA)

On these dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I sent email requests and appeals to my FHA loan servicer, Mr. CooperXXXX Mortgage XXXX for FHA loss mitigation loan modification programs, specifically, the COVID-19 Advance Loan Modification ( ALM ). HUD counselors has specifically noted this program as the " next-step '' loss mitigation option for my FHA file . HUD directed me to contact Mr. Cooper and request that I be reviewed for the COVID-19 ALM program in which Mr. Cooper has repeatedly ignored and instead, offered a loan modification that increases my interest rate from 3.37 % to 4.76 %. The COVID-19 ALM allows for a minimum of 25 % reduction in both principal and interest payments. In response, HUD counselors have insisted that the ALM loss mitigation program remains available to FHA-insured borrowers until XX/XX/XXXX of XXXX. HUD sent documents including sections from the updated FHA/HUD handbook that specifically instruct loan servicers with steps when processing borrowers for loss mitigation programs. In the meantime, I've further become delinquent in mortgage payments because of Mr. Cooper 's inability to cooperate and review my file to extend the COVID-19 ALM program, which I am qualified for. HUD because of the complaint : Loan # XXXX, FHA case have filed a case number : # XXXXXXXX XXXX XXXXXXXX. Thank you!
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I HAVE NOT SUPPLIED PROOF UNDER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXIST
Consumer complaint received 2023-11-17
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Winklevoss Exchange LLC (NY)

I had my wallet and phone with pass code stolen on the evening of XX/XX/2023. I filed a police report the next day that listed all the cards that were stolen. The theived spent {$1900.00} dollars on my Gemini XXXX. I submitted this police report to the company multiple times. Most recently on XX/XX/2023. When I called today, they said that they had not received the police report. Then I received an email saying my claim had been denied. The police report clearly shows what cards were taken and it includes the Gemini card. These charges are definitely fraudulent.
Consumer complaint received 2024-06-07
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. (MI)

This letter is a formal complaint that you are reporting inaccurate information. This is my 3rd time reaching out to you. I've done through research on FCRA and FTC laws.
Consumer complaint received 2023-08-08
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: Experian Information Solutions Inc. (FL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
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 2023-09-26
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. (WI)

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 : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-09-26
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. (WI)

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 : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 ( section 604a section 2 also states a consumer reporting agency can not furnish an account without written my written instructions ). Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

My XXXX XXXX and Capital One Credit Card accounts are being reported as late multiple times on my XXXX, XXXX and XXXX reports. Please update as paid as agreed for all late payments on all three accounts.
Consumer complaint received 2023-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (LA)

Equifax keeps violating the laws! I show them on multiple occasions and plenty different ways how they are violating the Fair Credit Reporting Act. According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately. I have uploaded documents as to how Equifax has not been following the XXXX XXXX compliance which are the laws they set in place to govern their business and how they are violating the FCRA which is actual Federal Law! According to 15 USC 1681b ( 1 ) the credit bureaus don't have any written permission to furnish anything on my consumer report. 
Equifax stated in their response XX/XX/XXXX that they performed an investigation and the debt collectors has verified the accounts on my behalf. Equifax has not explained how they performed the investigation, what information did the debt collectors give XXXX to verify the accounts, who did " Equifax '' talk to from each debt collector, how did Equifax verify that the information from the debt collector was correct and not false, how did Equifax make sure the debt XXXX records were accurate as well? 

15 USC 1681 ( a ) ( 4 ) states there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy Equifax has not being doing this at all. Instead, they did not respond to my CFPB complaint on XX/XX/XXXX after I keep showing proof as how to how they have violated me!
Consumer complaint received 2023-11-02
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. (GA)

Account name XXXX XXXX account # XXXX has violated my right This been paid in full and put 2 late payments on my credit report.

15 U.S.C 1681 section 602 A states I have the right to privacy 15 U.S.C section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account with out my written instructions