davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-13
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. (MO)

I am writing to formally complain about the numerous unsuccessful attempts to remove charge-off accounts from my credit file. Despite multiple efforts to rectify this matter, the unresolved charge-off entries continue to negatively impact my credit report, hindering my ability to obtain credit and financial opportunities. 

I have made persistent efforts to address and rectify these issues by submitting disputes, providing supporting documentation, and communicating with your representatives. Unfortunately, these attempts have not resulted in the removal or correction of the charge-off accounts, and they persist on my credit report. 

The prolonged presence of these charge-offs has had a detrimental impact on my creditworthiness, making it challenging to secure favorable interest rates, obtain credit, and negatively influencing my overall financial standing. 

I request a thorough and immediate investigation into the matter to rectify the inaccuracies on my credit report. I expect a detailed response within the exact timeframe acknowledging the receipt of this complaint and outlining the steps that will be taken to address and correct the charge-off accounts. 

If the necessary actions are not taken promptly, I may be forced to escalate my complaint to regulatory authorities and seek legal counsel to protect my rights. I am asking for your assistance to remove these charge off accounts in my credit file : XXXX XXXX Balance : {$8700.00} - The limit to this account was a fraction of the amount due it as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER. 

XXXX XXXX Balance : {$250.00} - I believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor do I believe one exists. Please provide me with verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it.
Consumer complaint received 2024-04-01
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 believe FCRA 605B necessitates the elimination of any erroneous accounts from my credit report. Would you mind examining the documents? Some of the listed accounts contain inaccuracies, causing me discomfort.
Consumer complaint received 2023-12-12
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: NAVY FEDERAL CREDIT UNION (CA)

NFCU denied me an extension of my credits on XX/XX/XXXX I requested that they retract my application. They ignored my request. 
NFCU has denied many times XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and none this access to my securities was a benefit to me. However, NFCU accessed my securities yet denied me based on a inaccurate credit score reading from XXXX. I never got my consent to XXXX to report anything on my consumer report i report anything on my consumer report. 


Attached is my Adverse action letter and invoice sent to NFCU
Consumer complaint received 2023-09-26
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. (FL)

Despite multiple written requests, the unverified accounts listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but never received a response from them. These accounts must be validated in accordance with sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXBalance Owed : {$0.00}
Consumer complaint received 2024-04-26
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. (PA)

I am writing to follow up on my previous communications regarding the inaccurate entries on my credit file. Despite multiple attempts to request the deletion of these negative entries, I have yet to receive a satisfactory resolution from your end. I find this lack of action both frustrating and concerning.
Consumer complaint received 2023-12-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (NJ)

I have been going back and forth with this bank that I had since 2018 I deposited everything into this account since I got it and I filed a dispute and I was suppose to get provisional credit I never got it I spoke with specialist manages I have a XXXX Tickets in process with this bank and Im not getting anywhere they are just feeding me lies no action Im tired of it
Consumer complaint received 2023-12-13
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. (GA)

According to 15 U.S. Code 1681 ( a ) -Congressional findings and statement of purpose and 15 U.S. Code 1681 ( b ) - Permissible purposes of consumer reports, XXXX XXXX XXXX had no written authorization from I, the consumer to provide my private information to any third party affiliates. XXXX, XXXX, and Experian are all third party affiliates. Per XXXX XXXX Financial Terms and Conditions, listed under " Other terms and conditions '', it states in " Information Sharing '' that they may release information in their records regarding me and my credit account. Also under " Our liability to you '' it states that they will meet their duty to to care for my credit account ( XXXX ) under reasonable banking procedures which they have failed to do. 

In their Privacy Notice it clearly states that their affiliates include financial companies such as XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, not Experian, XXXX, or XXXX. It also states that companies not related by common ownership or control. They can be financial and nonfinancial companies. 

Under 15 U.S.C. 6805, you are required to ENFORCE the Privacy Act of XXXX 
15 USC 1681-Fair Credit Reporting Act, I the consumer have been violated by XXXX XXXX XXXX . I have been emotionally damaged, humiliated, and have been suffering tremendously in pain.
Consumer complaint received 2023-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: JPMORGAN CHASE & CO. (FL)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX These are all inaccurate information on my credit report and it says if i find that its incorrect i must contact XXXX XXXX XXXX or provide them with the report # XXXX. 
I also need to correct the address they have listed. The only 2 that I use is the XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX and the XXXX XXXX XXXX All the rest of address listed is inaccurate ....
Consumer complaint received 2023-12-13
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. (PA)

Per the Fair Credit Reporting Act ( 15 USC 1681 ), I am a federally protected consumer. It is illegal to report any and all non public personal information ( 16 CFR 313.3 ( n ) ( 1 ) ), including any financial transactions with the consumer or any service performed for the consumer per 15 USC 6802 ( d ). A Charge Off is considered a certificate of indebtedness, therefore it is income ( more illegally reported financial transactional information ). There are currently 16 inaccurate transactional reporting on each credit report with XXXX, XXXX, and Experian. These highlighted entries must be updated to paid as agreed per 15 USC 1681c ( 4 ). It is my right per 16 CFR 433.2 to assert myself as the consumer at any time. Furthermore, I hereby rescind any authorization I may have given you through written, unwritten, verbal, and nonverbal per 16 CFR 313.7 ( e ) ( f ), to report any financial information to my consumer report.
Consumer complaint received 2023-06-06
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Despite multiple written requests, the unverified items in question. listed below continue to report on my credit report in violation of federal law. These items in question. must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items in question., I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XX/XX/2023 I opened an account with XXXX XXXXXXXX XXXX and submitted paperwork that I earn money and that I dont have monthly only taking out as I can and I made my payments and then I was late I spoke to them and tried making partial payment and they did not let me so I had to wait till I can make the payment and it became even latter and now they have on my report that I was 60 90 days late which is not true I spoke to the company in XXXX and asked them if I was ever 90 days late they said no and they will fix it the report and as a curtsy they will request to have the late removed and as I am looking they still have not posted it and or removed the late as I was promised
Consumer complaint received 2019-09-30
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: PLANET HOME LENDING, LLC (VI)

Planet Home Lending LLC ( PHL ), located at XXXX XXXX XXXX XXXX XXXX, XXXX, CT XXXX, has consistently and inaccurately represented payment history ; knowing they failed to provide necessary notifications and despite repeated attempts to resolve issues regarding inaccuracies. Having no other option, since they will not correct ( or at least provide complete information ), selecting rather to report and maintain inaccuracies, negatively impacting our credit score, we are filing a complaint with the CFPB. 

In or around XX/XX/2018, automatic debits were set up, by us, with PHL, to retrieve mortgage payments. Although PHL sent us confirmation showing that the automatic payment would be debited from our account for our next payment, for whatever reason, they did not retrieve the funds. Upon this realization, we contacted PHL, paid the amount in full, sent them the confirmation regarding the automatic debits, sent to us by them documenting their assertion that the draft was to be taken out. Nonetheless, they reported the payment as late. 

The first CSR we spoke with indicated that the error was indeed theirs and stated that the records would be updated. However, that never occurred. Many subsequent calls later, they eventually stated they needed twenty-five ( 25 ) days to review the records and make an assessment. When we followed up with them, we were told for the first time, that it may have taken up to thirty days for the debit process to initiate- a factor never disclosed to us at any time. We petitioned for them to update our records, since we were never notified about that thirty day window and in fact were informed of quite the opposite, but that only resulted in a report to the credit bureaus.

While we are not arguing that the responsibility remains ours, it is a shady and sloppy company indeed, that receives its payment in full, after improperly informing a consumer of that company 's policy/procedures - one that could have a negative impact on the consumer, a consumer that has been with the company for over a decade, the company is notified of their inaccuracy, but then files that report with the Credit Bureaus anyway. 

In addition, PHL also reported two payments as late in XX/XX/2018 and XX/XX/XXXX- neither was. 

Consumers have very little power against corporations, and rely on them to have sound policies and practices- particularly when those corporations have the awesome responsibility of negatively impacting that consumer for seven years at a stretch. For the most part, many corporations seem to respect that responsibility, while others, like PHL, do not. PHL rather, has abused that power. My experience with them, even beyond this one, has shown them to be sloppy at best and negligent at worst. Further, even though they have a legal duty to correct inaccuracies, they have failed to do so. 

This company 's practices and policies, should they exist, be investigated and they should be fined when they are found lacking.
Consumer complaint received 2023-12-04
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 urge you to meticulously examine these accounts and ensure they are promptly removed from my credit report. I've provided documents that back my assertions. I greatly value your swift action in resolving this issue.
Consumer complaint received 2024-04-26
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. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I agreed to settle this account with the promise of removal of this account on my credit reports. The settlement was agreed upon, however they VIOLATED the terms of the agreement by reporting this to ALL OF CREDIT BUREAUS WHICH HAS RUINED MY CHANCES FOR EMPLOYMENT, HOUSING AND A NEW VEHICLE IN WHICH THEY NEED TO PROVIDE SINCE THEY F***KED UP ROYALLY!!!
Consumer complaint received 2023-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2024-04-26
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. (NC)

" Your agency is in violation!

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. 
Delete this at once! '' LIST OF ACCOUNTS BEING CHALLENGED ; XXXX - XXXX {$1300.00} XXXX - XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$10000.00} XXXX - XXXX XXXX  - XXXX
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-12-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIFTH THIRD FINANCIAL CORPORATION (TX)

On XX/XX/XXXX, the bank did 6 line item notes on this loan : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  When I called they refused to tell me what this denoted. 

On XX/XX/XXXX the bank ledger/statement shows my loan balance as : {XXXX On XX/XX/XXXX, after crediting my regularly scheduled payment, plus {XXXX extra towards principal, my outstanding balance suddenly jumped : Bp Curtailment {XXXX  Billpayer Pymt {XXXX  Principal XXXX Interest {XXXX} Additional Info PAYMENT BALANCE AFTER {$61000.00} this reflects an INCREASED balance owed, even after the XX/XX/XXXX payment of XXXX. 

Please note the bank split appropriately the regular, minimum payment of XXXX} towards principal and interest, as it had all previous months. 

I made additional loan curtailment payments on : XX/XX/202XXXX XXXX XXXX XXXX XXXX Additional Info XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Note that the bank arbitrarily credited my entire regular/minimum payments for XXXX XXXX XXXXXXXX SOLELY towards interest ; without apportioning that payment towards both principal and interest as it had done all months previously. 

I called the bank again on XX/XX/XXXX asking for a full and complete accounting of the payment discrepancies, including the XXXX balance jump to XXXX FROM the previous months balance of {$59000.00} ; to date no such accounting, corrections, or response, despite the bank 's published policy of correcting errors within XXXX business days. 

Since my next payment is scheduled as an ACH payment for XX/XX/XXXX ( also for XXXX for the regular, minimum payment plus the additional {$1000.00} principal curtailment, I called the bank today to find out exactly why no corrections, explanations, or response had been made since XX/XX/2023. 

Today I was told that because the loan has a high interest rate and because I am making additional curtailment payments to pay it off sooner, the bank arbitrarily and without notice or explanation decided to only credit my regular minimum payment solely to interest. 

This is in fact a contract violation as it is a penalty for prepayment, despite the contract stating there is no penalty for same. 

XXXX? 

I again requested the bank honor the loan agreement, void the random prepayment penalties, and provide a full accounting for all the payment discrepancies to date. They assigned me " request # XXXX. '' based on their denial to remedy this with my XXXX request, I am escalating this to you, especially because I am not the only customer whose agreements they are violating. 

Please help!!!!!!!