davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-07
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. (NY)

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. XXXX - XXXX XXXX XXXX has been reporting late payments on my credit report. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX XXXX customer service representative.
Consumer complaint received 2022-10-28
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. (MA)

I have continued time in and time out to correct closed accounts account balances information being incorrect and each time its disputed its denied without properly reviewing particularly theres an account with XXXX XXXX that shouldnt even be on my report because the company did not follow the proper channels that the fair credit reporting act follows never received documentation never verified the debit was valid nothing even called the bureau today to see if I can get copy of the documents and no help so this is why Im filing this
Consumer complaint received 2022-10-27
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. (GA)

There is information on my reports which are causing financial harm to me and my family. I have sent out dispute to each of the XXXX Credit Bureaus in an attempt to receive update of the following items. 

XXXX Account XXXX : XXXX
Consumer complaint received 2024-07-01
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: PENTAGON FEDERAL CREDIT UNION (TX)

Opened a savings account with Penfed Credit Union, deposited {$50000.00} before the deadline and maintained it in the account past XX/XX/XXXX so I could receive the sign up bonus of {$750.00}, I called on XX/XX/XXXX to inquire about the bonus, they told me it could take up to 60 days from the date of completion ( XX/XX/XXXX ) and told me to call again if I don't receive it within said time frame, the bonus is still not deposited into my account as of today XX/XX/XXXX so I called again and they told me they will " investigate '' what the issue is, but it didn't sound promising to me.
Consumer complaint received 2023-09-06
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. (MI)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX XXXX Balance : {$62.00} ; DEPT OF EDXXXX XXXX Balance : {$1100.00} ; DEPT OF EDXXXX XXXX Balance : {$590.00} ; XXXX XXXX XXXX Balance : {$3000.00} ; XXXX XXXX XXXX Balance : {$6800.00} ; XXXXXXXX XXXX XXXX XXXX Balance : {$1100.00}.
Consumer complaint received 2023-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Early Warning Services, LLC (PA)

I closed my checking account on XX/XX/XXXX and XXXX & XXXX XXXXk is reporting to Early Warning Signs that my account was closed on XX/XX/XXXX My phone number on the report are incorrect as well.
Consumer complaint received 2024-06-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (LA)

I recently transferred my account over to citi bank less then XXXX weeks ago last XXXX days my card sound I didn no why but I soon found out they wants to verify me thats no problem I call to be verified I have counter a women who kept asking me bout my voice and basically judging me from the way I talk I XXXX when she asks me if Im me I told her yes she then said she call to verify me but she said dont pick up the phon n dont disconnect the call instead she calls me twice I tell her I see u calling me the bc thing she says is you didn pick up the phone I tell her u told me not to I asked all those questions prior to her call to be sure I understood her correctly all of a sudden she says I cant verify u because I have exceeded all my options and yet there was no options
Consumer complaint received 2023-09-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I had fraudulent charges on my Capital One Debit card and the amount of {$200.00} was never reversed or issued back to my account.

*This happened over a year ago and I tried everything to resolve this issue from : 1. ) First working exclusively with the bank teller at my local branch.

2. ) Then writing a letter to Capital One 's headquarters in Virginia addressed to " The Office of the President ''. I did receive a voicemail response from XXXX ( Management Staff ) however, we kept playing phone tag and he never followed up again, nor did I ever receive a written response in regard to my letter. 
3. ) Working with the branch manager and district manager, and NO-ONE could help me to resolve this issue.

On two ( 2 ) separate occasions, there were attempted charges on my Capital One Debit Card. 
XX/XX/2022 - {$160.00} and {$320.00}. These charges were reversed. 
XX/XX/2022 - a charge of {$500.00} was reversed, however the {$200.00} charge was not, and this does not make any sense to me. 
These attempted charges were made at XXXX  in XXXX, NY on XXXX 's XXXX, XX/XX/2022 when I was with my family that day. 

After going back-and-forth for months dealing with this issue, especially at my local branch with the teller and branch manager, I gave up in XX/XX/2022. However this whole situation has never sat right with me and it just has been an awful experience. 

I have attached the letter that I wrote to Capital One Headquarters for your review. I have also attached the notes that I kept when I visited my local branch. 
Thank you so much for taking the time to review all of this information. I look forward to your reply.
Consumer complaint received 2022-12-13
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: EQUIFAX, INC. (TX)

I HAVE BEE THE VICTIM OF IDENTITY THEFT THE ACCOUNTS ARE BELOWXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-06
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (TX)

I recently XXXX XXXXXXXX and applied for relief from the XXXX  relief program offered by FHA. Then I asked for the XXXX stand alone resolution. I was on XXXX forbearance for 90 days. After my request for the stand alone program, US BANK without informing me or asking my permission, removed me from forbearance, sent me a repayment plan which I rejected in favor of the stand alone program, and falsely reported me delinquent destroying my credit rating from over XXXX to XXXX. The removal of my forbearance occurred roughly 30 days into my 90 day allowed forbearance. Had the forbearance remained intact there would be no reason to declare me delinquent. Following this process would mean everyone who applied for FHA XXXX relief would have their credit damaged for simply applying for aid. Obviously this wasn't the intention of the program or should be the result. This could easily be resolved by simply removing derogatory statements from my credit report that are obviously their fault, but they refuse.
Consumer complaint received 2023-09-06
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)

In according with the fair Credit Reporting Act XXXX Account # XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX # XXXX - XXXX XXXX, # XXXX - XXXX XXXX  # XXXX - XXXX XXXXXXXX, # XXXX - XXXX XXXXXXXX, # XXXX - XXXX XXXXXXXX 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 : It also states a consumer reporting agency can not furbish an account without my written instructions.
Consumer complaint received 2023-09-06
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Resurgent Capital Services L.P. (KS)

I sent them a complaint on XX/XX/23 requesting all the original documents I signed to permit them to report my personal information to a 3rd party. They refused to send me the requested information. I am requesting the 3 signed documents, I need to sign to permit them to share my personal information. They can reference the U.S. Code 1681 ( A ) ( 2 ). If they obtain my personal information without my consent, they can reference U.S. Code 1028 ( A ).

I am requesting all signed documents that I signed to an agency to provide you with my personal information. It is your agency to provide the burden of proof. If you can not provide the burden of proof, under consumer laws you must remove any information you reported to any consumer reports immediately. This company stated I have to show them the burden of proof they obtained my personal information illegally. I am requesting all signed original documents that are attached with my name on them.
Consumer complaint received 2023-09-06
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. (FL)

In according with the fair Credit Reporting Act XXXX Account # XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXXXXXX, # XXXX - XXXX XXXX, # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXXXXXX, # XXXX XXXX XXXX  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 : It also states a consumer reporting agency can not furbish an account without my written instructions.
Consumer complaint received 2023-07-09
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (FL)

I make timely payments only to be charged late fees and assessed more interest on my account. I contacted them and they responded advising me to pay at their local store. 
XX/XX/2023 XXXX XXXX OH {$91.00} XX/XX/2023 PAYMENT - THANK YOU - {$300.00} XX/XX/2023 XXXX XXXX OH {$28.00} XX/XX/2023 Interest Charge On Purchases {$110.00} XX/XX/2023 PAYMENT - THANK YOU - {$200.00} XX/XX/2023 LATE FEE {$41.00} XX/XX/2023 Interest Charge On Purchases {$110.00} XX/XX/2023 PAYMENT - THANK YOU - {$270.00} XX/XX/2023 LATE FEE {$41.00} XX/XX/2023 PAYMENT - THANK YOU - {$100.00} XX/XX/2023 Interest Charge On Purchases {$110.00} XX/XX/2023 LATE FEE {$30.00} XX/XX/2023 PAYMENT - THANK YOU - {$200.00} XX/XX/2023 XXXX XXXX OH {$42.00} XX/XX/2023 XXXX  XXXX OH CREDIT
Consumer complaint received 2022-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (NJ)

LexisNexis Risk Solutions has failed to remove the bankruptcy off my consumer credit report. On multiple occasions I emailed and sent letters via the united states postal service requesting that they provide proof that the bankruptcy listed on my lexis nexis report is accurate and to provide some sort of documentation from the direct federal court house or even a wet signature. Each time Lexis Nexis failed to do a proper investigation. I called the federal court house and confirmed that they are not enrolled or subscribed to any credit agencies to report data but yet lexis nexis without my consent reports this and shares this information to the major 3 credit agencies which is a direct violation of my federal consumer rights.
Consumer complaint received 2024-06-28
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (GA)

I have two Signature loans with Navient. Both are private student loans. Loan # XXXX ending in XXXX issued on XX/XX/XXXX and loan # XXXX ending in XXXX issued on XX/XX/XXXX. Both loans were issued to XXXX XXXX XXXX XXXX now named XXXX XXXX XXXXXXXX has been listed as a for profit XXXX  that has been deemed by the court of law as operating under misconduct. Due to that judgement the courts have awarded the victimized students of predatory lending the discharge of their student loans. ( Both federal and private ) I have contacted Navient on two occasions XX/XX/XXXX and XX/XX/XXXX. 

I received an application for loan discharge due to XXXX  misconduct after multiple attempts. My XXXX  misled me about my likelihood of obtaining a job, misrepresented its job placement rates and my likely earnings after graduation. I've submitted all of the required information and received notification on Sunday, XX/XX/XXXX that my request for private loan discharge was denied. I've contacted Navient on two occasions Tuesday XX/XX/XXXX and Wednesday XX/XX/XXXX at XXXX XXXX to request an appeal. Navient has not responded. Please help!
Consumer complaint received 2023-12-09
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: WELLS FARGO & COMPANY (TX)

Subject : Urgent Request for Resolution of Credit Reporting Inaccuracy Dear Wells Fargo Customer Service, I am writing to bring to your attention a critical issue concerning the reporting of my Wells Fargo account information to XXXX, one of the major credit bureaus. Recently, I discovered a significant and unjustified drop of 13 points in my credit score, attributed to information provided by XXXX about my Wells Fargo account. 

Upon reviewing my credit report, I observed that XXXX is reporting a balance of {$520.00} on my Wells Fargo account, which is inaccurately affecting my credit score. It is crucial to note that this reported information is not reflective of the actual status of my Wells Fargo account. The account is in good standing, with no outstanding balance. 

I have made attempts to resolve this matter directly with XXXX, but the response and assistance provided have been unsatisfactory. Therefore, I am reaching out to Wells Fargo with the hope that you can help rectify this reporting inaccuracy and collaborate with XXXX to update my credit information accurately. 

I kindly request the following actions : A thorough review of the information reported by Wells Fargo to XXXX regarding my account. 
Correction of any inaccuracies in the reported account balance and status. 
Timely communication and coordination with XXXX to ensure the updated and accurate information is reflected in my credit report. 
I believe that your prompt attention to this matter will not only rectify the credit reporting discrepancy but also contribute to maintaining the integrity of my credit history. 

Thank you for your assistance, and I look forward to a swift resolution.
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Aargon Agency, Inc. (AZ)

I have filed a dispute against Aargon Angency with all XXXX and XXXX on XX/XX/XXXX The collection was assigned on XX/XX/XXXX in the amount {$220.00}. Via a disupute investagtion for incorrect information being reported the collection was removed from the both XXXX and XXXX. I attempted to submit a dispute on XXXX online but was unsucessful. I contacted XXXX via phone on XX/XX/XXXX and recieved my dispute letter on XX/XX/XXXX. XXXX failed to remove the incorrect account information from my credit report dispite providing proff of the account beinf delted from both XXXX and XXXX. This is unfair reporting and has caused a negative imapct on my ability to purchase a home due to high interest rates, low credit score and derrogetory account history. Please delete account.
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, I presun that no proof of the alleged debt, nor therefore any such debt in fact therefor exists
Consumer complaint received 2023-09-06
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. (TX)

Transunion, XXXX, XXXX continue to report the same account multiple times on my consumer report. Which is causing me harm. This is inaccurate reporting. There are several inconsistencies listed from each reporting agency and I have repeatedly asked for the account to be deleted. This means Transunion, XXXX, and XXXX continues to willfully violate federal which states they MUST report accurate information and validate any information that is believed to be inaccurate. This information has not been properly verified as the information is not consistent with each reporting agency which makes it impossible to validate as accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-26
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: NCP Holdings, L.P. (MI)

This company is a total and complete ripoff. I was laid off from my job last XXXX. I had two months without a job. I finally got a new job in XXXXXXXX XXXX but b y that time I was about to be evicted and need XXXX in rent money. I saw this company advertised on-line and put in an application. I did not realize the interest rates were criminal. Anyway, the loan was taken out for XXXX. The loan payment of {$200.00} was taken out each pay period ( 2x a month ). I have already paid {$3400.00}, well over the borrowed amount and they say I still owe {$2600.00} which is horribly wrong. I am going to have to contemplate filing bankruptcy now. I am going to contact my bank and request no more money be taken from my account, as this has put me under. 

XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, MI XXXX XXXX
Consumer complaint received 2023-09-06
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)

In accordance with the fair credit reporting act... The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 u.s.c. 1681 Account Name .... XXXX XXXX XXXX Account number... # XXXX XXXX XXXX .... # XXXX. XXXX XXXX # XXXX .... XXXX XXXX ... # XXXX XXXX XXXX # XXXX ... XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX .. # XXXX XXXX XXXX bank .... # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.. 
15 u.s.c 1681 section 602 A. states i have the right to privacy.

15 u.s.c 1681 section 604 A. section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions...

15 u.s.c. 1681 c. ( A ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years...

15 u.s.c. 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2020-12-16
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 have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.