davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-09
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SYNCHRONY FINANCIAL (DE)

I am not able to access my money with Synchrony 's savings bank account to pay the mortgage and credit card bills. As an online-only bank, they have no physical branch and the only way to access funds is via transfer in/out to another financial institutions. Per the FAQ on their website, there is a maximum of 10 external account connection. I only have 3 active external account and could not add a new external account. I recently transfer my mortgage to a new Bank and need to transfer funds to the new Bank to pay my mortgage and credit card bills. I spoke with an agent and her manager and they told me because I have deleted 22 old eternal account, I have reached the system 's maximum limit of 25. I don't understand how old and deleted external account connection are still in their system and count against my ability to access funds. I have 3 active external account and should be able to add 7 more. The agent and her supervisor told me I could initiate a wire transfer to access funds but that will cost {$35.00} per request. Synchrony is creating undue barriers and obstacles for consumers to access their funds through antiquated rules and systems and forcing consumers to use high cost withdrawal methods to generate fees.
Consumer complaint received 2023-07-13
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report that I believe are inaccurate. The following accounts listed on my report contain errors : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquirie According to the Fair Credit Reporting Act ( FCRA ), I have the right to request that inaccurate information be removed from my credit report. The FCRA requires that credit bureaus investigate disputed items and correct any errors within 30 days.

I believe that the above-listed accounts contain errors in the form of incorrect balances, inaccurate late payment reporting, and/or incorrect dates. As such, I request that you investigate these accounts and correct any inaccuracies as soon as possible.

I also want to express how deeply concerning and stressful it is to have inaccurate information on my credit report. It affects my ability to secure loans and credit, and it can impact my financial well-being. I urge you to take my dispute seriously and promptly investigate and correct any errors on my credit report.

Thank you for your prompt attention to this matter. 



Sincerely, XXXX XXXX
Consumer complaint received 2023-07-13
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. (CA)

See the attached documents. I want the bureau to start teh investigation on these accounts on these accounts. I am never been late in this account.
Consumer complaint received 2023-07-13
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. (NJ)

I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information with my wet signature. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed
Consumer complaint received 2023-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I have been trying to dispute incorrect items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2018-04-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (WI)

Over the last decade I have been attempting to make a plan with Navient to repay my student loan. The loan was given to me then during a period of time my ex-husband was laid off so it was in deferment, then I was divorced and it was in deferment. I called multiple times over the years to inquire about repayment plan options in order to set up paying it off and getting rid of it. Instead it has continued to accrue interest and is now at at almost unmanageable loan amount. I initiated a income based repayment plan and I will be applying to the public loan forgiveness program ; yet if there are any other options for me to rid the Navient loan or switch it to another service I would like to. I am struggling to get the information I need from Navient, plus I received poor information previously to " just keep it in deferment '' without knowing the interest was gaining the whole time. I was informed that during hardship and while I was in school interest would not acquire. In reality it has gain interest cost this entire time. 
I am not sure if anything can be done about this, but wanted to at least bring it to light. Please advise or assist if there is anything that can be done.
Consumer complaint received 2023-09-08
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. (IL)

Transunion, XXXX, and XXXX continue to report inaccurate information. This is a violation of FCRA. The account listed below has not been properly validated or verified as accurate as the information is to inconsistent. 

DEPTEDXXXX  Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There 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.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2021-05-23
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. (NV)

I reviewed a current copy of my credit report and show incorrect information listed. Account name is XXXX XXXX account number is XXXX. This account has never been paid late and is reporting late payments on account and I attempted to have account reviewd with no reply and past more that 98 days. Please delete this account.
Consumer complaint received 2023-08-08
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. (MA)

My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-09-08
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. (IL)

XXXX, XXXX, and Equifax continue to report inaccurate information on account listed XXXX Account # : XXXX. 

Account Type - Detail : Educational Educational - Account Status : Open Open Transferred Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$60000.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Account transferred or sold Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : - XX/XX/XXXX XXXX/XXXX/XXXX 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) There 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. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2023-09-08
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. (IL)

Transunion, XXXX, and XXXX continue to report inaccurate information. The below account has not been properly validated or verified. 

DEPTEDXXXX Account Status : Open Derogatory Open Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$5000.00} No. of Months ( terms ) : XXXX XXXX XXXX Payment Status : Unknown Wage Earner Plan Current Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : - - XX/XX/XXXX 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There 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. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2023-04-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Colony Brands, Inc. (TX)

I continue to get calls from the following numbers : XXXX ; XXXX ; XXXX all for debt for a " XXXX XXXX. '' I am not XXXX XXXX and I don't know anyone named XXXX XXXX. 

They also continually text me. I called the XXXX number weeks ago and noted that I am not " XXXX XXXX '' but I continue to get the calls and texts ( multiple calls per day ).
Consumer complaint received 2023-12-09
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: NAVY FEDERAL CREDIT UNION (MS)

I had called the credit card department several times arranging a payment arrangement they advised they can set it up for XXXX they said they deleted all the prior payments but did not infact the debited me on the wrong month to start my payments. I was in good faith they advised as long as. I keep this payment arrangement my account starting in XXXX would not be written off today I got an alert that my account was written off after Navy Federal assured me this would not happen the collections dept advised they put in the notes and I was fine so I trusted them on what they advised this was not the case and now my account had been written off Navy Federal did not send a letter of confirmation every time I would call no one remembers what they said nor are they accurate on assisting what they promised I only want my account to be put in good standing as they advised on several calls that I was ok and not to worry
Consumer complaint received 2023-02-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: ENOVA INTERNATIONAL, INC. (NJ)

In accordance with the Fair Credit Reporting Act ( FCRA ). This Creditor has violated my rights under 15USC1681 Section 602 states I have a right to privacy.

15USC1681 section 604a section 2 states a consumer reporting agency can not furnish an account without my written instructions.

Under 15USC1666b a creditor may not treat a payment on a credit card account under an open-end consumer plan as late for any purpose. 

On XX/XX/23 the account was reported 30 days late. I was told by a representative to call back on XX/XX/23 to set up a payment plan as I am starting a new job.
Consumer complaint received 2023-09-08
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: CAPITAL ONE FINANCIAL CORPORATION (NV)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-06-26
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$420.00} XXXX  XXXX XXXX Balance : {$2800.00} XXXX XXXX  XXXX Balance : {$420.00} XXXX  XXXX XXXX Balance : {$2800.00} XXXX XXXXR XXXX Balance : {$420.00}
Consumer complaint received 2023-04-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (KS)

This is in relation to a dispute that is open currently. That dispute is XXXX. 
Dispute # XXXX is because Chime will not let me access my account. I continue to submit the ID verifications when they request them and they continue to deny me access to my account. I can not access the checking or savings account because of the inability to log in to my account. 

This relates because of another problem being caused by this inability to log in to my account. I had sent a payment to a non Chime customer email address. The employee who was to receive the payment for shop expenses can not receive the payment from me. They have contacted Chime support over thirty times asking for someone from the support staff to assist them with the accepting of the funds I sent, however Chime is apparently just sending the same email in response over and over again. No one at Chime is actually providing support, just the same, irrelavant, computer generated message over and over. 

This is a problem and has put me in a major bind. The expenses that were to be received for the shop can not be received and no support is being provided/ At the same time I can not cancel the funds transfer because I am not being allowed to login to my own account. 

So here are funds in the amount of {$190.00} that are very necessary to keep my business up and running that Chime has essentially high jacked. The shop can not receive it and I can not access my account. They are disrupting business and my livelihood.
Consumer complaint received 2023-04-20
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. (PA)

Fraudulent Account On Credit Reports. 

1. XXXX XXXX {$4800.00} 2. XXXX XXXX {$7100.00} 3. XXXX XXXX {$16000.00} 4. XXXX XXXX {$3100.00} 5. XXXX XXXX {$1500.00}
Consumer complaint received 2021-05-11
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 — Was not notified of investigation status or results
Company: I.C. System, Inc. (AR)

This company said that they sent their response directly to me and provided a copy to the CFPB, this is false. I have not received anything from them or the CFPB. I notice that you are still reporting this collection on my credit report, which is considered to be a collection activity. You are now in violation of the FCPDA and need this account deleted.