davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

On XXXX, I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. XXXX Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California 2014); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. XXXX XXXX XXXX No. 95-6445 (C.D.Cal. XXXX XXXX XXXX), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.
Consumer complaint received 2022-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
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 2023-10-11
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)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2023-10-11
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)

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  Account Number XXXX Account Name : XXXX XXXX XXXX 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 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2023-07-25
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: EQUIFAX, INC. (TX)

There are FRAUDULENT items and UNAUTHORIZED/FRAUDULENT inquiries on my credit report. I do not have any idea regarding these fraudulent accounts on my credit report. I am not the one who initiated the inquiry. I am submitting a complaint regarding this inquiry and for assistance to REMOVE it from my credit report immediately.
Consumer complaint received 2023-11-09
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (CA)

I received two different prepaid gift cards ( {$100.00} each for a total of {$200.00} ) as wedding gifts. These were both issued by US Bank. The cards were purchased by two different people at two different stores at different times. 

To date, I've not been able to use either card successfully due to what US Bank says are fraudulent transactions. 

Gift Card # 1 -- I have not been able to activate or use this card at all. When I called US Bank, I was told that the card was deactivated in XX/XX/XXXX because of fraudulent activity. This makes no sense because the card was purchased in XX/XX/XXXX. My friend even sent me the receipt to confirm the purchase date and amount. How can a card purchased in XX/XX/XXXX be deactivated because of fraud that supposedly happened 11 months ago? US Bank refused to issue a new card or reactivate the existing card. The store where it was purchased will also not help, saying that it's US Bank 's problem. This is {$100.00} completely lost. 

Gift Card # 2 -- I successfully made one purchase from XXXX for {$45.00} on XXXX XXXX. I tried to use the card again on XXXX XXXX, and the transaction was denied. I tried again on XXXX XXXX and the transaction was denied. I called US Bank and was told there was a XXXX balance because the remaining {$55.00} was used at a XXXX XXXX store in Virginia. I live in XXXX XXXX. How is that possible? The card has not been out of my possession and has been used only once at XXXX. US Bank said that they would " investigate '' and replace the balance ( for a {$5.00} fee ) if I FAX information and a copy of my ID to them. Given that this is XXXX, I don't have access to a fax machine. They also said that I could submit the information online, but when I try, I only get error messages from their website. 

I will also note that both cards came completely sealed in cardboard holders. No numbers or barcodes were exposed to indicate there was any tampering. 

I find this entire situation highly suspicious to the degree it might even be an internal theft ring. How are brand new cards being subject to this much fraud? Is someone at US Bank waiting to see what cards are activated and then stealing the numbers? Why is US Bank insisting on faxes as their primary form of communication to " fix '' the problem? Why would they charge me a {$5.00} fee to fix their own issue? Why does the website not work when I try to file a fraud dispute? This whole thing is crazy and reeks of a scam. 

These prepaid gift cards are the kind that are often sold in XXXX areas, which may explain the lack of attention and customer service from US Bank. Many times, consumers of these cards lack the knowledge of how to deal with the system and get their money back, which means more profit for US Bank at the expense of XXXX communities. In my case, I've been able to use less than 25 % of the balances that I'm rightfully owed. It's shameful!
Consumer complaint received 2023-10-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (GA)

I disputed this account. I asked for a signatures, agreements, purchase information such as who authorized, where items were bought, delivered to, picked up from- etc.The companies only provided me with monthly statements. I argued that this is not proof of a debt owed the company said that they verified my name and address so its considered valid. I explained that they are violating FCRA REGULATIONS. They said that they are well within their rights as a creditor/ credit reporting agency
Consumer complaint received 2023-10-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have consistently ensured my payments are made on time, with no instances of being late. It is entirely unacceptable to see late payments noted on my account, and I vehemently request that you promptly correct this mistake. Please take immediate action to rectify my account and guarantee its accurate reflection of my payment history.
Consumer complaint received 2016-09-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (FL)

XXXX XXXX Fl XXXX Equifax Information Services , LLC . 
XXXX, GA XXXX XXXX Dear Sir or Madam, I am writing in regards XXXX XXXX XXXX and XXXX XXXX account on my credit report. On XXXX/XXXX/XXXX I have file complain to the CFPB I sent a letter explaining the situation. 

All this accounts have been process and closed in XXXX not in to XXXX and the discharge date was XXXX not XXXX. 

In addition it has been 8 years seen this Loan were reported to the Credit Bureau. 

My Understanding was that Art institute took XXXX loans and the XXXX of XXXX XXXX and clears this loan in XXXX. However on my credit Report it appears XXXX loans from different agencies. 

I 'm requesting this loan to be remove from my credit report. 

I have enclosed copies of all my records correspondence. 

I look forward to your reply and resolution to my problems. Thank you for the opportunity to clarified this issued. 


XXXX XXXX
Consumer complaint received 2021-08-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: GOLDMAN SACHS BANK USA (TX)

I have setup statement balance recurring autopay since account opening. My XXXX statement balance payment was {$920.00} which was due by XX/XX/XXXX. My statement balance autopay was triggered to pull exactly {$920.00} on XX/XX/XXXX. However, the autopay pulled my payment twice, XXXX on the XXXX and one on the XXXX in the amount of {$920.00}. Because of the two payment my next statement balance cut at {$820.00} which was due by XX/XX/XXXX I have noticed this system error on XX/XX/XXXX and requested to refund back one of two statement balance payment. Instead of refunding the agent performed a payment reversal. At this point I do understand that my statement balance is no longer {$820.00} and should be {$820.00} + the reversed amount of {$920.00} ( the system error double payment reversal ) Because of my statement balance autopay setup I did not worry about checking if the autopay will pull both the reversed amount and previous statement balance amount. In the end the auto only pulled {$820.00} instead of $ XXXX {$920.00} and considered me delinquent and charged {$11.00} of interest. This is obvious system error that I was initially put into this in the first place because Goldman pulled more the required amount to pay. This seems illegal use of autopay where banks are pulling more than authorized and also more than required to pay.

I did complain about this and explained very clearing what caused this interest and the agent kindly waived the {$11.00} of interest. At this point I expected Goldman to take the initiative to watch out for any trailing interest that this will cause. As planned my autopay for statement balance was made and unsurprisingly I saw trailing interest of {$9.00}. I requested again to waive but the agent was not able to waive because of previous cycle {$11.00} interest waiver.

Because I have credit card knowledge I knew exactly what happened and clearly was the bank system error. I understand this can happen but share great concern to other Apple card user with less credit card knowledge just paying this interest which wasn't even supposed to have been charged in the first place. There was no proactive remediation steps performed and inhumane on all the interest revenue Goldman and Apple is collect at such global hardship time. Please investigate this and get Goldman to do a full remediation on not just me but the whole portfolio that was impacted by this. This should be both interest credit but correction on my credit bureau report
Consumer complaint received 2021-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (GA)

Reference : Removal of late payment ... over 7 years I called the XXXX- No Answer or response I called and email a letter to Chase Bank Mortgage- the updated the report- but did not remove the Negative status and its been over 7 years. 

I called and emailed XXXX XXXX XXXX- they acknowledge the length of time and stated I should expect a letter removing the negative report from my credit report. As of today, I still haven't seen a letter.
Consumer complaint received 2023-10-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

I talked to Citizens prematurely when i inquired on programs if i were to miss a payment in XX/XX/2023. I was able to make XXXX payment and told Citizens to cancel my inquiry as i dont need help and don't need any assistance. 
Immediately i was bombarded with a loss mitigation status and am being sent foreclosure options even though im not late and told them. In XXXX they said don't worry about it and i replied, i am worried and don't need that on my record because im not late and don't want it. 

I just found out that even though i have never been late in my payments MY PAYMENTS ARE BEING APPLIED TO FOREBEARANCE INTEREST. 

Please help me to opt out and remove the forbearance as i requested removal from the citizen bank unemployment forbearance program because Citizens is charging extra compounded interest. 

i need to have this entire loss mitigation removed and my account corrected. I need my mortgage account to be reviewed for accuracy. 
For months i have been fighting this and I thought it was over but when i went to pay extra on escrow i was told my account is in forbearance and that i wasn't permitted to do that. 
I called around and someone in Loss Mitigation helped me thru making an escrow payment. 
However i don't think it was applied correctly since i am coded in their system as being in forbearance. 

I am experiencing collection/loss mitigation calls and solicitation to foreclosure options and its not fair they are charging me forbearance interest and wont allow me the option to opt out. I never wanted any program and should have the right to opt out after months of calls to them. I have never been late and thought it was easy to correct this forbearance issue. 

For months i have been fighting this and need fairness and integrity. 
MY PAYMENTS ARE BEING MISAPPLIED TO FOREBEARANCE INTEREST due to the unemployment forbearance that they wont remove. 

I cant get get a loan. My credit has been affected from Citizens putting this on my credit report. 

There are ample notes in their system that i have called and canceled this inquiry on the unemployment forbearance in XXXX. 
XXXXI can't afford to pay the balance that will become due at the end of the forbearance period and need the payment applied correctly and not towards forbearance.
Consumer complaint received 2023-10-09
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 (WA)

I ordered products from XXXX which got stolen so I initiated a dispute with Synchrony Bank ( who operate the PayPal credit card I used ) that the items I bought were not fulfilled. They closed the dispute saying XXXX would refund. Thats fine so I reached out to XXXX but they said the dispute is still seen as open on their end so they can not give the refund until it is closed. I asked for a dispute closure statement or letter from Synchrony in XXXX. It is now late XXXX. They sent the letter twice ( supposedly ) and I have not received it. I need this letter to get a refund. Now I have had to pay the full amount on my credit card bill because I can not get the physical letter. Also they refuse to send me an electronic copy. 

I accidentally filed a dispute to the wrong company earlier ( ID : XXXX ).
Consumer complaint received 2023-10-11
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION (PA)

Since XXXX of XXXX I was getting very little Interest on my Money Market Account at Truist Bank ( XXXX # XXXX ). Twp weeks ago I started to withdraw a total of {$40000.00}. to put into 2 different accounts at another bank. My rates there were over 4 %. I went online at Truist to check my current rate and saw that it was still at .01 %. When I called my local branch of the bank ( XXXX, PA - ( XXXX ) XXXX ) yesterday to question this, I was told that the rates would go down automatically, but UNFORTUNATELY they don't go up unless you call. I was also told that they do not go back to give the interest rate that should have been given in the first place.

I am attaching copies of the last 4 statements. As you can see there were times that I had {$45000.00} - {$50000.00} in this account and received {$.00} - {$.00} interest for the month. The last statement shows that the interest rate was increased to 2.96 % after yesterday 's call. 

Is this even legal?
Consumer complaint received 2023-10-09
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. (CA)

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX Balance Owed : {$4700.00} ; XXXX XXXX XXXX XXXX : {$330.00} ; XXXX XXXX Balance Owed : {$10.00} ; XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX Balance Owed : {$310.00} ; XXXX XXXX XXXX Balance Owed : {$18000.00}.
Consumer complaint received 2023-09-01
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. (MA)

I DONT RECOGNIZE ANY OF THIS INQUIERIES ON MY 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
Consumer complaint received 2024-03-13
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. (MI)

I am writing to dispute inaccuracies regarding the [ XXXX XXXX XXXX XXXX account listed on my XXXX credit report. Upon review, I have identified errors, These discrepancies adversely affect my credit score and financial standing. 

Please investigate this matter promptly in accordance with the Fair Credit Reporting Act ( FCRA ) and correct the inaccuracies. Enclosed are supporting documents for your review. I request regular updates and written confirmation once corrections are made. 

Thank you for your attention to this matter.
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

On XX/XX/2023, I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California 2014); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. Trans Union Corp., No. 95-6445 (C.D.Cal. Nov. 14, 1995), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.