davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: NEW YORK COMMUNITY BANCORP INC (SC)

XX/XX/XXXX : Flagstar paid, in error, XXXX XXXX from my escrow account in the amount of {$1400.00}. 
I have never dealt with XXXX, and the policy number Flagstar provided is tied to another person entirely. 

XX/XX/XXXX : XXXX XXXX issued a refund to the policy holder in the amount of {$1400.00}. 

XX/XX/XXXX : XXXX customer/policy holder cashes the check in the amount of {$1400.00} End of XXXX XX/XX/XXXX : XXXX ( My new mortgage servicer ) did an escrow analysis and then reported to me an absurd negative balance. Ive spent, in total, close to XXXX hours on the phone between Flagstar, XXXX, and XXXX figuring out what error was made and trying to get it resolved. Flagstar has given me the run around and has yet to provide any resolution, despite them clearly being at fault. 

XX/XX/XXXX : Flagstar representative told me a refund will be issued from XXXX XXXX and I should coordinate with them. 

XX/XX/XXXX : I contact XXXX in reference to the information Flagstar provided, and they had no record and were not ready to provide a refund.
Consumer complaint received 2023-10-25
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: CITIBANK, N.A. (FL)

XXXX charge with XXXX  amount XXXX XXXX charge car rental company about XXXX Spoke to managers at the dispute dept and customer service they dont appreciate customers time and were not knowledgeable about dispute process.
Consumer complaint received 2024-01-26
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: EQUIFAX, INC. (NY)

XXXX XXXX refuses to provide me with ANY information on this account. I have NO access to the account! Can not pull up on the website because the primary borrower has the password! I do NOT! They lied about attempting to make verbal contact with me several times. This is a lie! The ONLY information I have received from them is via disputes! How am I expected to protect my credit without ANY information?
Consumer complaint received 2024-04-23
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. (PA)

My track record speaks for itself : I've consistently ensured that payments on this account are made promptly, without allowing any to fall overdue. The presence of late payment remarks on my accounts confounds me ; I'm not clear on why they're there. According to 15 USC 1666b - Billing Error, rectifications are necessary.
Consumer complaint received 2024-04-23
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. (PA)

Consistently, I've guaranteed timely payments on this account, avoiding any lapses into overdue status. The rationale behind the reported late payment remarks on my accounts remains unclear. In accordance with 15 USC 1666b - Billing Error, adjustments should be implemented.
Consumer complaint received 2023-09-01
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. (NJ)

I am writing to formally dispute an inaccurately reported item on my credit file that has not been deleted despite my previous dispute. I firmly believe that this account entry is not valid and should not be present on my credit report. I have diligently managed my financial obligations, and I have never had any dealings or accounts with the mentioned creditor, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My previous dispute regarding this matter did not result in the removal of this inaccurate account entry, which leads me to believe that it may be a reporting error. I kindly request that both XXXX and TransUnion conduct a thorough re-investigation into this matter to rectify this discrepancy on my credit report. 

I would like to remind you of my rights under 15 USC 1681, which guarantees my right to privacy and stipulates that I must provide written permission for the reporting of this account. To my knowledge, I have not given any written permission for XXXX and TransUnion to furnish this account information. 


I kindly request that you promptly initiate a re-investigation into this matter in accordance with your obligations under 15 USC 1681. I understand that you have 60 days from the date of this letter to complete the investigation, as mandated by the Fair Credit Reporting Act. 

I am committed to maintaining my responsible consumer status and ensuring the accuracy of my credit report. I trust that XXXX and TransUnion will take this matter seriously and rectify the inaccurate reporting promptly. 

Thank you for your immediate attention to this dispute. I look forward to receiving a written response within the statutory timeframe with the results of your investigation. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2024-01-04
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. (FL)

Well according to the Fair Credit Reporting Act 15 USC 1681 section 602 a states it 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. '' XXXX, Transunion and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared and that is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' The financial institution and the Consumer reporting agencies XXXX and XXXX and TransUnion do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, and TransUnion, whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' the credit companys Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states : 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. 15 U.S. Code 1681e states : Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. 
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Consumer complaint received 2023-09-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. ()

The company is Chase Bank. 
On XX/XX/XXXX Chase Bank did a Claim Reversal : to XXXX Claim : XXXX XXXX on four transaction {$1900.00}, {$1000.00}, {$820.00}, {$100.00}. For these transactions, XXXX said that they didn't have that money and the bank said they didn't have. The bank closed my checking account without any explanation.
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. (GA)

I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2024-01-03
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation (NC)

In XXXX I was told that they decided to take more to keep interest down. They took over half of the original loan amount out in payments on the loan. I borrowed {$7500.00} and two years later I had only been given credit for {$490.00} towards the loan! 
I told them to stop taking the multiple payments of {$190.00} and that I would start making the payments myself with no automatic drafts. 
I do not have the specific dates since I can not bring up a bank statement that goes back past XX/XX/XXXX. 
I spoke to multiple customer service reps in XXXX and in XXXX about why more of what I had paid had not been applied to the loan since they claimed it was to eliminate interest charges yet that is where 2 years of payments ended up going was to interest and not my loan. 
There is no way to pay off this type of loan and when I lost my job and had to go on unemployment I could not pay any of my bills except rent due to the amount of my unemployment payments which were less than {$350.00} a week..
Consumer complaint received 2024-01-03
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (PA)

I made a purchase online via Lowes website and chose Lowe 's pay on XX/XX/2023 through Synchrony bank, pay later loan, I purchased multiple products, part of the items received were sent damaged, I made Lowes aware of this at the beginning of XXXX through customer care and spoke with a XXXX. I had a meeting with a virtual designed on XX/XX/2023, he was advised prior and at this visit. He made arrangements with the local store over getting the merchandise picked up and returned. I was advised that once they were received in store that a refund would be put on my account. I have never received that refund. Synchrony bank is not showing a refund, Lowes is telling me that they did. Synchrony bank is not honoring my early payment before my due date and I am being charged interest and late fees for products that I do not have in my possession. I made a payment to them on XX/XX/2023 prior to the due date of XX/XX/2023. I made a payment that was above the minimum payment for the account. I am disputing the charges with Lowes and Synchrony bank. The information I have and what was shared with me does not match there records or what they are telling me. I have emails with Lowes and a recorded call with an employee at Synchrony Bank of these disputes and nothing is being resolved in a timely manner and it is impacting my credit and the information I signed.
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. (KS)

I am frustrated because I am being taken advantage of by this credit bureaus. I have filed a dispute of inaccurate items that is reporting incomplete information. Incomplete information is inaccurate and thereby not supposed to be on my report.
Consumer complaint received 2024-04-23
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. (PA)

I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. There are multiple fraudulent items on my credit report. I have submitted multiple disputes and FTC report regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2023-09-01
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. (GA)

I am writing to formally dispute and request the removal of inaccurate information from my credit report, as provided by your bureau. It has come to my attention that the items I recently disputed have been verified, but upon further review of my credit report, I have identified numerous additional inaccuracies. These inaccuracies are in violation of federal laws, including the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Billing Act ( FCBA ), Fair and Accurate Credit Transactions Act ( FACTA ), and applicable statute of limitations laws, as well as state Deceptive Trade Practices Acts ( DTPA ). 

The following items on my credit report are disputed : 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  I kindly request that you investigate the accuracy of these entries and provide documented verification within 30 days, as required by the FCRA. If you can not verify these entries or if they contain inaccuracies, I insist on their immediate removal from my credit report, as mandated by federal and state laws. 
Under the FCRA, I am entitled to : A timely response to this dispute ( within 30 days ). 
A free copy of my credit report once this dispute is resolved. 
The removal of inaccurate information. 
Furthermore, the FCRA, FCBA, FACTA, and DTPA emphasize the importance of ensuring that the information on my credit report is accurate, fair, and substantiated. Violations of these laws may result in legal action. 

In addition to the FCRA and FCBA, please consider the following laws that protect consumers like me : The FDCPA, which ensures fair and ethical debt collection practices. 
Statute of Limitations laws, which may apply to the debts in question. 
[ Include any relevant state-specific laws, such as your state 's DTPA. ] Enclosed with this letter are copies of documents supporting my claims. 

Please send me written confirmation of the actions taken regarding this dispute, as well as an updated copy of my credit report once the inaccuracies have been rectified.
Consumer complaint received 2023-12-27
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. (CA)

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/2022 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. (AL)

XXXX, Transunion, XXXX has inaccurate reporting on my credit reports, I wrote all three bureaus and they are still reporting inaccurate information. I have reached out to the companies also that I notice that are inaccurate still no change. I notice hard inquiries, I also notice old accounts and old collections that I have Know Knowledge of please help me resolve this issue.
Consumer complaint received 2023-10-03
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: EQUIFAX, INC. (IL)

The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue stress.
Consumer complaint received 2024-04-23
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. (FL)

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure
Consumer complaint received 2023-09-01
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)

I am writing to formally dispute and request the removal of inaccurate information from my credit report, as provided by your bureau. It has come to my attention that the items I recently disputed have been verified, but upon further review of my credit report, I have identified numerous additional inaccuracies. These inaccuracies are in violation of federal laws, including the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Billing Act ( FCBA ), Fair and Accurate Credit Transactions Act ( FACTA ), and applicable statute of limitations laws, as well as state Deceptive Trade Practices Acts ( DTPA ). 

The following items on my credit report are disputed : 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 I kindly request that you investigate the accuracy of these entries and provide documented verification within 30 days, as required by the FCRA. If you can not verify these entries or if they contain inaccuracies, I insist on their immediate removal from my credit report, as mandated by federal and state laws. 
Under the FCRA, I am entitled to : A timely response to this dispute ( within 30 days ). 
A free copy of my credit report once this dispute is resolved. 
The removal of inaccurate information. 
Furthermore, the FCRA, FCBA, FACTA, and DTPA emphasize the importance of ensuring that the information on my credit report is accurate, fair, and substantiated. Violations of these laws may result in legal action. 

In addition to the FCRA and FCBA, please consider the following laws that protect consumers like me : The FDCPA, which ensures fair and ethical debt collection practices. 
Statute of Limitations laws, which may apply to the debts in question. 
[ Include any relevant state-specific laws, such as your state 's DTPA. ] Enclosed with this letter are copies of documents supporting my claims. 

Please send me written confirmation of the actions taken regarding this dispute, as well as an updated copy of my credit report once the inaccuracies have been rectified.
Consumer complaint received 2023-12-27
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. (NV)

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 proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX Balance : {$39000.00} XXXX XXXX XXXX XXXX Balance {$7300.00}
Consumer complaint received 2023-12-27
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. (TX)

XXXX XXXX acct # XXXX XXXX XXXX, XX/XX/XXXX XXXX  15USC 1681 sec 602 I have right to privacy15USC sec 604 states a consumer report agency may not furnish an account without written consent. 15USC 1681 ( a ) ( 5 ) no consumer reporting agency make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than 7 years please move this account