davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-27
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: Experian Information Solutions Inc. (IN)

Under the FCRA. The three major reporting companies failed to provide proof of their investigation ( 15 U.S. Code 1681i ( 5 ) ( A ) ( i ) ( ii ), failed to accurately verify that the NEGATIVE Information reported belonged to me and failed to keep correspondence with the address provided.

Since no information was accurately verified, I demand that all NEGATIVE accounts permanently be removed from my report that is hurting me financially. Im prepared to pursue legal action for damages No consent ( permissible purpose ) on my behalf was never given to report anything to my consumer report List of negative items that was unverified in the supporting documents
Consumer complaint received 2022-11-02
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: Avadyne Health Holdings, Inc (GA)

XXXX XXXX h & r accounts XXXX has violated my rights. 

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 also states a consumer reporting agency can not furnish a account without my written instructions 15 u.s.c 1681 c ( a ) ( 5 ) section states no consumer reporting agency can make any consumer report containing any of the following items of information any adverse items of information other then records of conviction.

15 u.s.c 1681 - 2 ( a ) ( c ) 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 2023-07-27
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: Experian Information Solutions Inc. (CA)

Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Credit Karma (NM)

I received my federal tax returns {$3600.00} and credit karma had placed a freeze on my account and when I called they say to me is I have to wait for a email for further instructions, I now have a total of XXXX case numbers with them it has been approximately XXXX weeks since situation occurred. I have also ched with XXXX, XXXX, XXXX  and all three I have no holds or freeze or Locks.
Consumer complaint received 2022-11-02
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: EQUIFAX, INC. (FL)

The comments are inaccurate. This was NOT an " insurance or government claim '' and there's nothing even remotely true about that statement. This was in fact, PAID IN CASH XXXX of 2021. 

XXXX XXXX XXXX XXXX  Comments : Paid, was a collection account, insurance claim or government claim or was terminated for default
Consumer complaint received 2022-11-02
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)

The comments are inaccurate. This was NOT an " insurance or government claim '' and there's nothing even remotely true about that statement. This was in fact, PAID IN CASH XXXX of 2021. 

XXXX XXXX XXXX XXXX  Comments : Paid, was a collection account, insurance claim or government claim or was terminated for default
Consumer complaint received 2023-08-14
Product: Credit card or prepaid 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 (FL)

Name on the credit card is XXXX XXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX, I made a purchase of 3 " XXXX XXXX '' for {$600.00} to be performed at different times for the next few months after purchase. Prior to my purchase I met with " XXXX '' who promised immediate results of firming, wrinkle reduction, tightening of the skin and pore reduction. 

Lots of amazing claims in person as well as in their advertising. I told XXXX that I was on board if the claims were accurate and that the biggest hurdle she has was managing a clients expectations. She assured me there would be results. 

I began my treatments the next week and finished up the last treatment in mid XX/XX/XXXX. After the 1st treatment I got a text from XXXX XXXX to do a XXXX review, I said no I wanted to wait until my series of treatments were over to see if anything they told me in the consult or in their advertisements came true. They said that was fine. At that time I did not do a review. 

At the completion of my last treatment, I told my technician, I saw ZERO results and that I wanted to speak to a manager about it. XXXX the manager I orginally met with was not available so I called her the next day to discuss the matter. 

She called me back on XX/XX/XXXX. After a long discussion about me seeing no results she said she would consult the owner about a refund based upon the claims they made in the consult and advertising. The next day she left me a voicemail that they were not willing to do anything. 

With that voicemail, I filed a dispute with my Synchrony Bank Care Credit card and provided them all the advertising materials provided By Restore Hyper Wellness and my explanation of the timeline of events. On XX/XX/XXXX, I received an adjustment to my bill from Synchrony bank for {$600.00}. For me that concluded the matter. 

Then on XX/XX/XXXX, without explanation Synchrony Bank re-billed the {$600.00}. I immediately re-contacted them and was told someone would reach out to me in the next few days to address the matter. 

It is now XX/XX/XXXX and no word from Synchrony. I want the re-bill of {$600.00} reversed due to deceptive advertising and claims made by XXXX in the original consultation. Just a money grab.
Consumer complaint received 2022-10-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: NAVY FEDERAL CREDIT UNION (MD)

Paid off my closed credit card on XX/XX/XXXX via a real estate settlement check. 

On XX/XX/XXXX I noticed online that the payoff was an overage in the amount of {$160.00}. Therefore I request NFCU to transfer the overage to my checking account. The response was that there will be a " 14-day hold '' on the credit balance, AND that interest would be charged. This is the response : " Please keep in mind that balance transfer interest is charged from the date of the transfer until the balance transfer is paid in full. Interest will be charged for the balance transfer balance from XX/XX/XXXX through XX/XX/XXXX on XX/XX/XXXX when your next statement is issued. '' My request had nothing to do with credit card balance transfers! The credit card was a NFCU credit card that was closed years ago. The payoff was more than was due so there was an overage. I only wanted the overage credited to my checking account. As of today the overage minus their interest charge remains on a closed credit card account. 

On XX/XX/XXXX an interest charge of {$25.00} was debited from the credit card overage! This was interest for an account with a {$0.00} balance as of XX/XX/XXXX. 

Furthermore, a new request for the transfer of the overage to my checking account had to be made after XXXX. I was not going to make a new request since the full amount of the overage had been debited for a {$0.00} balance. As of this date the " reduced '' overage remains in the credit card account.
Consumer complaint received 2023-08-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2023-12-09
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 (IL)

I recently recieved a copy of my consumer report. I noticed that CAPITAL ONE was reporting to my consumer which I did not authorize. According to the XXXX XXXX, institutions must develop and give notice of their privacy policies to their own customers at least annually and before disclosing any consumer 's personal financial information to an unaffiliated third party, and must give notice and an opportunity for that consumer to " opt out '' from such disclosure. I THE CONSUMER DID NOT RECEIVE THE OPPORTUNITY TO OPT OUT so I am exercising my right to opt out NOW.
Consumer complaint received 2023-08-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

There is an inquiry on my Transunion Credit Report that does not belong to me. I demand the following fraudulent inquiry be deleted from my Transunion credit report immediately. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XX/XX/2023. Thank you. XXXX XXXX
Consumer complaint received 2023-07-09
Product: Credit card or prepaid 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: DISCOVER BANK (MN)

I purchased an item that was not delivered, contacted both the merchants and my credict card company to resolve the issue. 

The problem of the order was that it was not delivered and the order was an expensive amount that I did not even give a signature to. I tried resolving this issue with the merchant first, then my credit card company with disputes but the resolution was not in my favor even though I have literally no other way to prove that it was not delivered, there was no signature for the package. The price of the package was {$1000.00}, the merchant was XXXX XXXX XXXX
Consumer complaint received 2022-12-05
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. (AL)

There are XXXX closed accounts XXXX and XXXX on my credit report. I am not sure why if they are closed. The credit bureaus has said they VERIFIED the information and if so the XXXX account according to a XXXX XXXX was started in a state I dont even live in XXXX  XXXX XXXX not sure how it was verified as me. The XXXX account is closed and needs to be removed.
Consumer complaint received 2023-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions 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 2023-09-29
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. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: HYUNDAI CAPITAL AMERICA (SC)

I Purchased a new car from XXXX XXXX XXXX in XXXX, SC XX/XX/year>. The contracted amount was XXXX. With first payment due XX/XX/year>. On XX/XX/year> XXXX reported to XXXX XXXX XXXX XXXX both the contracted amount and a new balance of XXXX. I have spoken with Hyundai finance underwriting with a XXXX XXXX employee present. XX/XX/year>. The underwriter stated that the loan amount submitted to them was XXXX. The XXXX XXXX employee present wrote my sales contract. However during this conversation no explanation for the difference in amounts was offered by this employee, nor any corrections to the statements given by the underwriter. However as of XX/XX/year> I still have not received any explanation or resolution. Included in this purchase was having my car properly registered and tagged. I took possession XX/XX/year> and as of XX/XX/year> I still have not received this service. 
Included in this agreement was a 20 day pay off of the trade in which expired XX/XX/year>. However this was not completed until XX/XX/year> negatively effecting my credit.
Consumer complaint received 2016-07-01
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (IL)

In May 2016 I changed insurance companies from XXXX to XXXX XXXX. My XXXX annual rate was {$4700.00} and my escrow payment for insurance was {$390.00} per month. When my renewal I had paid {$390.00} for 12 months prior and had enough money to cover payment for my annual renewal. I did not have a escrow shortage at that time. I found insurance cheaper with XXXX XXXX and my annual premium decreased to {$1300.00}. I am aware my escrow payment should be for insurance now {$110.00} per month. That is a saving for me {$280.00}. My mortgage payment should have decreased and the amount of escrow payment should have decreased too. I contacted my mortgage loan servicing company and faxed them proof of my new insurance and amount. I also paid XXXX XXXX in full entire premium {$1300.00} for one year. My mortgage company did and escrow analysis and told me I had a shortage in my escrow in the amount less the {$1300.00}. I contacted my mortgage company customer service department insurance dept and was informed that the escrow department was not notified that my premium had change. And was told that they were not going to inform escrow. Well if they do n't inform escrow then that was why I was getting a statement that I had a shortage. The Nationstar Mortgage is overcharging me and I do not have a escrow shortage. I am aware that the amount the lender is required to hold in escrow is only 2 months in reserves not 12 months in reserves. Nationstar will not adjust my escrow and mortgage payment and is in violation of the Respa servicing escrow regulations. Please assist
Consumer complaint received 2023-08-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I want to emphasize that I have no affiliation with these creditors, and I did not initiate this inquiry on my credit report. I implore you to take immediate action to remove it without any further delay.
Consumer complaint received 2023-08-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I have tried several times to work with XXXX ( along with TransunionXXXX ) to remove inaccuracies within my credit report, and they have continuously refused to even investigate my claims. Each time, I recieve a bogus, auto-generated response - even though I am sending PROOF that the claim is valid. Please see their email response below : " We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. According to the federal Fair Credit Reporting Act, " '' if the completeness or accuracy of any item of information contained in a consumers file at a national consumer credit reporting company is disputed by the consumer and the consumer notifies the company directly of such dispute, the company shall reinvestigate free of charge. '' '' Therefore, you can dispute any inaccurate information directly with XXXX for free '' There is NO law that states a consumer can not use a third party, so using that as their excuse is irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. 
Even so, I have sent these letters myself now on 4 occasions ( XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023 ) .. the companies are ruining people 's lives and are not being held accountable. 

Thank you in advance for looking into these issues.
Consumer complaint received 2023-05-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX AV XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX  XXXX XXXX Balance : {$170.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX : {$200.00} XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX : {$710.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX Balance : {$210.00} XXXX XXXX  XXXX Balance : {$1000.00} XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$10000.00} XXXX  XXXX XXXX XXXX Balance : {$1800.00} XXXX  Inquired on XX/XX/XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX  XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX
Consumer complaint received 2022-11-02
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. (MD)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 6 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022
Consumer complaint received 2023-08-14
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: NAVY FEDERAL CREDIT UNION (CA)

On XX/XX/XXXX at XXXXXXXX XXXX XXXXXXXX XXXX XXXX contacted me in regards to a debt by Navy Federal Credit Union for a credit card debt. I was advised by the representative on the phone that he was seeing what he can do to secure an agreement before the file lawsuit on this debt. From research under California Law a creditor can attempt to sue on a debt when it has been less than 4 years from the date of last delinquency or last charge. My last payment was XX/XX/XXXX. This has now been over 4 years since the last payment or charge. Yet I am being threatened with a lawsuit. I would like all information on how they are able to sue on a debt past 4 years. I will need all this information so I can present to my representation and figure out how we need to proceed.