davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-26
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)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and discard or remove them from my file immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-07-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (WA)

My mortgage loan # XXXX with US Bank Mortgage was paid in full on XX/XX/2020. I called customer service today and spoke with XXXX who acknowledge that the loan had been paid in full and said that I would receive my escrow funds ( almost {$4000.00} ) in 30 days or near the end of XX/XX/2020. She could offer no explanation for the length of time other than to note that a check had to be mailed. I should be able to receive a my escrowed funds in a commercially reasonable time or one to two weeks. It is not fair to keep this money for that long.
Consumer complaint received 2018-10-09
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

AMOUNT {$430.00} I SENT IN MULTIPLE LETTERS REGARDING THIS MATTER FROM 2015 ALONG WITH THE POLICE REPORT TO SHOW THAT THIS WAS IDENTITY THEFT, THEY SENT ME A LETTER WHICH STATED THAT I STILL HAD TO PAY. THIS IS STILL SHOWING UP AND DAMAGING MY CREDIT SCORE.
Consumer complaint received 2023-02-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (FL)

I opened a checkings account with Citi on XX/XX/XXXX for their promotion of funding the account and keeping $ XXXX by XXXX day of account opening and keep the fund there for an additional 60 days, I should get {$500.00} bonus. So I did. I transferred from my XXXX XXXX XXXXXXXX altogether $ XXXX to Citi and opened a linked Savings account at the same time. I made sure on XX/XX/XXXX, my account has a balance of $ XXXX and I have not touched $ XXXX for over 3 months until XX/XX/XXXX. By the end of XX/XX/XXXX, my account balance in Citi checking is {$34000.00}. And they did not honor me with the bonus offer of {$500.00}, instead, they put {$200.00} in my account. I called customer service and one of the representatives located the promo code and set up a case for me and told me I should be getting a response within 5 business days. I waited and checked on the updates on XX/XX/XXXX, and they told me I should be expecting an answer by XX/XX/XXXX, which apparently I did not. I called again today and I had to request to escalate the issue to a supervisor, XXXX XXXX. XXXX told me that now Citi would have to extend the investigation to 15 days. I am really upset. I should never have trusted Citi. This is obviously a bate and switch. I could have invested my fund into treasury or a market money fund that invests in US treasury and earn a much better yield and did not have to deal with their constant excuses of keeping my fund in their custody and earning interest and not honoring their advertised promises. This is very frustrating and they can offer contradictory statements and not keeping their end of the bargain. Please kindly protect us, consumers from this kind of manipulative behaviors from our financial institutions. 

Thanks, XXXX XXXX
Consumer complaint received 2020-12-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FirstPoint Collection Resources (MD)

On XX/XX/2020 an account opened from First Point Collections with an original creditor as XXXX on my XXXX XXXX account for an amount of {$140.00}. As an attempt to figure out where this debt came from I tried searching for the companies address and contact information. After multiple failed attempts via mail, email, and dead end phone calls Ive now decided to reach out for further assistance
Consumer complaint received 2018-10-09
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (MT)

I have been receiving many phone calls from this number over the past several weeks. Today is the first time they have left a recorded message saying they are Pioneer credit recovery and to call this number XXXX. 
as I don't have any debts this is a scam.
Consumer complaint received 2023-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MN)

Private student loan with XXXX was discharged in XXXX XXXX  bankruptcy on XX/XX/2023. This loan was above and beyond costs to attend the university, and therefore dischargeable in XXXX XXXX XXXX continues to report a charge off, balance due, and late payments.
Consumer complaint received 2024-03-24
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. (GA)

XXXX XXXX XXXX i have never had an account with this Company and they are reporting on my report along with the original Creditor who is XXXX XXXX they are bout reporting the same information at the same time so on my report it looks like i owe them along with XXXXXXXX XXXX also the account with XXXX XXXX has been over 8 years old but this company is now reporting it as a new account... 

XXXX XXXX has updated and remove from my transition credit report and i need them to remove it from my XXXX AND XXXX
Consumer complaint received 2023-02-06
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In XX/XX/2021 I had XXXX XXXXXXXX and missed a payment, I was never notified that I was late, or behind and no obvious information was available to let me know of a problem.FIVE months later, a rep from XXXX XXXX XXXX contacted me about a problem with my account and wanted me to verify info because I do not verify incoming call information. I logged into my account, saw a problem, fixed the payment issues, and assumed all was well. Now XXXX is reporting me late four months in a row despite me giving them money every month. Their lack of notification on this matter corallites very conveniently to when I need to refinance this loan. They have knocked my credit score down almost 150 points and will be expecting me to refinance my loan with a sub XXXX XXXX XXXX which GREATLY benefits their bottom line. 

My stance is here IF I had been notified on any level other than XXXX email per month, I would have taken care of this immediately. They are taking advantage of the situation, keeping me from a home purchase and ruining my credit score. I have had one late payment in the last eight years ( an oversight at {$32.00} due to switching primary banks ). With these egregious reports, my financial freedom is in jeopardy because they did not notify me about a matter as grave as my credit score. And their " courtesy notifications '' seem to be entirely arbitrary as to when they will let their customers know there is a problem with their account standing. 

I sent them a dispute letter on XX/XX/XXXX and didn't receive a reply until XX/XX/XXXX.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

To Whom It May Concern : I noticed in my consumer report there is a charge off reporting to my credit report by the three major credit reporting agencies. The charge off is reporting and its illegal according to the IRS cancelled debt rules. IRS cancelled debt is income. I attached a screenshot of the IRS cancelled debt general rules.

Section 1681 of the Fair Credit Reporting Act ( FCRA ) actually pertains to the responsibilities of consumer reporting agencies regarding the accuracy of consumer reports. Under this law, it is illegal for consumer reporting agencies to include charge-offs, on a consumer 's credit report. Charge-offs are considered cancelled debt and according to the IRS cancelled debt is considered income, income can not be reported in a consumer report. The document attached is a screenshot of the IRS cancelled debt general rules. Any attempt to report charge-offs on a consumer report in violation of the FCRA 's guidelines outlined in section USC 1681 is considered illegal. Compliance with the FCRA is crucial to protecting consumers ' rights and ensuring the accuracy of their credit information.

I hereby assert that the three major consumer reporting agencies have violated the Fair Credit Reporting Act ( FCRA ) by including inaccurate and defamatory information on my credit report, specifically regarding charge-offs, and collections. This action has resulted in significant financial harm and emotional distress. As such, I intend to seek litigation against these consumer reporting agencies to pursue damages and ensure accountability for their actions.

I am formally requesting that the three consumer reporting agencies promptly delete the inaccurate and defamatory accounts from my credit report according to the IRS Cancelled Debt rules. These erroneous entries, particularly regarding charge-offs, and collections are in violation of the Fair Credit Reporting Act ( FCRA ) and the USC 1681 theses errors has caused considerable financial harm and emotional distress. I expect immediate action to rectify this situation and restore the accuracy of my credit report. Failure to comply may result in further legal action. 


ACCOUNTS : XXXX XXXX XXXX XXXX I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-11-28
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: EQUIFAX, INC. (NV)

accordance with the fair credit reporter act XXXX  accounts # XXXX, # XXXX, and # XXXX account has violated my rights 15 usc 1681 section 604 a section 2, i also state a consumer reporting agency can not furnish my account without my written instruction
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: Security Credit Services, LLC (GA)

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint with reference number XXXX. I am being harassed by multiple calls before XXXX and after XXXX .Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and are a result of fraud that I did not authorize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SECURITY CREDIT XXXX XXXX
Consumer complaint received 2023-02-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Stride Funding, Inc. (MN)

In XXXX of XXXX, I filed for a XXXX XXXX bankruptcy and my discharge was granted in XXXX of XXXX. The discharge included the debtor, i.e., XXXX, XXXX XXXX, Stride Funding, for an Income Share Agreement Contract ( ISA ) in the amount of {$15000.00} signed XXXX, XXXX for attending XXXX XXXX, a software engineering bootcamp. 

The creditors were included in the bankruptcy, but ever since the discharge in XXXX of XXXX, the creditor Stride Funding has consistently attempted to collect on the discharged ISA debt. 

The attorney handling my bankruptcy sent Stride and XXXX XXXX letters on numerous occasions to stop collecting - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, i.e., one for each invoice they sent via US mail. 

Now, in a recent collection letter dated XXXX of XXXX, they are passing this ISA to a new Servicer, i.e., XXXX XXXX, XXXX. in XXXX of XXXX to collect on this ISA. 

The attorney handling my bankruptcy suggested the next step for me is to reach out to a law firm handling these types of cases and sue using an agency he referred. 

When I entered into the ISA agreement, I was never informed the ISA contract was a Student Loan nor was I informed the contract was not a dischargeable in cases of bankruptcy. 

Now instead of dealing with attorneys and the courts again, I simply want Stride to stop collecting and honor the discharge.
Consumer complaint received 2023-06-15
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. (NY)

AS OF XX/XX/XXXX the credit bureas and XXXX XXXX  Claimed they did an investigation But that can be possible when I never have written permission!!!!!! 

XXXX XXXX XXXX LATE PAYMENT Balance details Paid off - Balance - Balance updated - Original balance {$520.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Secured Loan Payment summary XXXX XXXX XXXX XXXX - XXXX - XXXX ND XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX XXXX - XXXX - PAYMENT HISTORY LEGEND Status Paid, Closed. 
Status updated XX/XX/XXXX Original balance XXXX XXXX Monthly payment - Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms XXXX  Months Company sold - Original creditor - Comments- Your statement **CONSUMER STATEMENT** ITEM IN DISPUTE BY CONSUMER Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Phone number ( XXXX ) XXXX RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than XXXX business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2023-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (KY)

On XX/XX/2023 I disputed XXXX account XXXX on XX/XX/2023 they complete a bit investigation in less than 24 hours saying it was verified. With the results showing no accurate days just the month and the year. Fcra state they have to report accurate dates and none of these are accurate the dates have to be exact. And they do not have that .... there is no way they did a proper investigation in less than 24 hours
Consumer complaint received 2023-05-19
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)

This is for the Venmo Visa card issued by Synchrony Bank. I contacted the business on XX/XX/2023 and spoke to an overseas agent in regards to submitting a timely billing dispute. This is for a purchase dated XX/XX/2023, merchant is XXXX XXXX XXXX and the amount is {$4000.00}. The merchandise has been returned, proof is attached via XXXX showing that the merchant received the merchandise. Also, attached is the store policies taken directly from the receipt. The business has a 30 day return policy. Please process the dispute.
Consumer complaint received 2022-11-28
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. (NV)

accordance with the fair credit reporter act XXXX  accounts # XXXX, # XXXX, and # XXXX account has violated my rights 15 usc 1681 section 604 a section 2, i also state a consumer reporting agency can not furnish my account without my written instruction
Consumer complaint received 2023-06-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (MD)

The Specialized Loan Servicing LLC, our mortgage loan servicer. appointee by XXXX XXXX  XXXX, manipulating our mortgage account for past three years. 
They bought three years of home insurance policy on their own without our permission and without having any authorities or rights and adding the cost of their purchases into our monthly mortgage bills. 
We as a customer have a right to have a correct receipt and bill. In order to confront them we stop to pay their incorrect bills. They started harassing us by sending Collection agency after us and now they brought a case against us in a Civil court for being in default and filled for foreclosure on our home. 
The cost of their three years of home insurance policy is nearly XXXX dollars. that they already added to our mortgage account.
Consumer complaint received 2022-11-28
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: DISCOVER BANK (VA)

I have had 3 CD 's with Discover Bank for years. Most recently I renewed one on XX/XX/2022. I received a letter from Discover Bank dated XX/XX/2022 advising that they were changing the terms of the deposit agreement and would no longer deposit the earned interest in my XXXX XXXX XXXX I contacted Discover Bank and advised them the arbitrary change in terms was not acceptable to me. Further as we no longer had a valid contract, I requested the CD 's be closed without interest penalty. Discvover Bank declined my request. Subsequently I closed one of my Cd 's and was charged an early withdrawal penalty of {$200.00}. I would like the early withdrawal interest penalty returned to me and the open accounts closed without penalty.
Consumer complaint received 2022-10-22
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. (IL)

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX  XXXX XXXX XXXX. ( Opened XXXX. XXXX, XXXX, Highest Balance {$75000.00} )XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2018-10-09
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: TD BANK US HOLDING COMPANY (VA)

On XX/XX/18 I contacted XXXX XXXX customer service, to inquire why I had received paper statements for several months when I have never received them before ; I was signed up for electronic statements. I was informed that their credit card platform was in the midst of a " platform update '' and that my current web browser didn't support the update. Being personally aware of the IT field and software platforms I communicated that the information the customer service rep offered as an explanation was technically inaccurate. I also communicated that I did not want to receive paper statements through the mail for security reasons ; the customer service representative offered no other options to turn off receiving the paper statements and said it would last until the platform update was complete. On XX/XX/18 I attempted to log in to my online account and it seems the " platform update '' is complete and was prompted to update security questions and re-enter secure account information, including my full name, full XXXX XXXX account number, social security number digits, and security code on the reverse side of my credit card. I was also prompted to download a document from the internet in order to sign up for electronic statements only. Since I had received no official communication from XXXX XXXX or XXXX XXXX, XXXX XXXX. ( the credit card servicer ) that such a change or update to the site was occurring, I was wary of entering secure information on an unfamiliar website. I again contacted XXXX XXXX customer service to inquire about the validity of this new website and security question procedure. I also wanted to provide feedback that I was unhappy with receiving zero communication from XXXX XXXX or XXXX XXXX, XXXX XXXX. ( the credit card servicer ) of these changes to my account, what feels like careless handling of secure account information, and of the platform update which I would not been privy to unless I has called over the summer about the paper statements. The customer service representative placed the call on hold several times when I inquired to share this information and my dissatisfaction with the handling of my secure account information, and on the final hold, I was disconnected from the call through no fault of my phone service.