davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-19
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: SYNCHRONY FINANCIAL (OH)

I opened a line of credit with Paypal on XX/XX/XXXX because they offered {$20.00} off an order of {$110.00} through XXXX. When I was missing a couple of items, XXXX partially credited my original form of payment in the amount of {$8.00} on XX/XX/XXXX. PayPal took it due to the {$20.00} offer they " gave '' me. One had nothing to do with the other, as the refund was for missing items. When I tried to dispute it with PayPal, an auto message said I couldn't. Now I have to pay full price for the missing items ( {$12.00} ), as well as not getting the full {$20.00} off of my order. This is unscrupulous and unfair, and I want the {$8.00} credited to what I owe. Thank you for your help with this matter.
Consumer complaint received 2024-03-13
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. (FL)

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
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 2023-10-06
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. (IL)

I am deeply concerned about the implications this has on my creditworthiness. I implore you to conduct a thorough investigation and take prompt action to rectify this error. Please remove this inaccurate information from my credit profile as soon as possible.
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A. (FL)

Hi, In XX/XX/XXXX  ( COVID pandemic started ), I could not make payments on my CITIBANK personal loan. I visited the nearby agency in XXXX XXXX, CA, hoping for assistance, but they directed me to call a specific number. I diligently made multiple calls, enduring over two hours of wait time on each attempt, yet I never managed to speak with a representative. Frustrated by the lack of communication, I decided not to make my loan payment for XX/XX/, hoping that someone from CITIBANK would eventually reach out, allowing me to explain my situation. 

However, XX/XX/XXXX  came and went without payment from me. I resumed making payments in XXXX, but unfortunately, a " LATE PAYMENT '' notation appeared on my credit score due to that missed payment. I have made numerous attempts to rectify this situation by contacting Citibank and disputing it with XXXX, but regrettably, I have not seen any positive resolution. 

Since this incident during the early days of the COVID-19 pandemic, I have consistently honored all my financial obligations on time. I hope you can assist in resolving this matter, as the persistent presence of this " LATE PAYMENT '' on my credit score has significantly impacted my overall credit rating. 

Unfortunately, I have nothing to document this since everything was over the phone or verbally to an agent. 

Thank you. 
All the best,
Consumer complaint received 2023-06-20
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. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Equifax credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes this erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

n accordance with the Fair Credit Reporting act XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # 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 a account without my written instructions
Consumer complaint received 2023-10-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (NY)

On XX/XX/, MOHELA uploaded a letter in my message center notifying me that my account was placed on an " Administrative Forbearance '' due to more processing time needed on their behalf to update my account information. The letter was dated for XX/XX/XXXX  but uploaded on XX/XX/. This is in regards to me updating my *family size* for my already- approved IDR SAVE plan. 
The administrative forbearance was said to begin on XX/XX/XXXX  until XX/XX/3, where no payment was due towards my loan and my loan amount was set to {$0.00}. 

I called immediately on XX/XX/XXXX  and clearly asked for this Administrative Forbearance to be removed, as I do not want it to hinder my progress towards achieving Public Service Loan Forgiveness ( PSLF ). The XXXX $ payment would have jeopardized the month of XXXX ( no payment due ) to not count as a qualifying month towards my PSLF. 

Mohela submitted the paperwork to remove the " processing forbearance '' on XX/XX/. The customer service representative ( in-training ) said the request should take 3-5 business day from that day. 

I called MOHELA on XX/XX/, which was the 5th business day from my request being submitted formally. I also called on XX/XX/, which was the 10th business day from my formal submited request. The forbearance is not yet removed. 

XXXX I willingly made the payment of {$35.00} towards my account even though no payment was due for XXXX. This is the amount that was determined for me following my IDR SAVE confirmation. 
XXXX- Upon calling on the 10th business day to check in on my request to remove the forbearance, the agent told me that Processing forbearance will count towards PSLF. Its not your fault its because we are backed up.
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TN)

On XX/XX/2023, I submitted an address correction letter, but Experian did not delete the issue. I still currently have XXXX names and XXXX other addresses that remain on my report. On XX/XX/2023, I submitted a reinvestigation letter, nothing was corrected. I submitted a follow-up reinvestigation with more inaccuracies that I noticed on my report XX/XX/2023. I tracked the mail that I sent off and saw that the letter was received at their front desk XX/XX/2023, at XXXX in XXXX XXXX XXXX  after Experian XXXX to fix the errors during a previous re-investigation. It is now going on day XXXX and Experian did not dispute or notify me with any alert saying that the reinvestigation was in process. They ignored my request. Experian was obligated to do an investigation way before I put them on notice the first time, but they did not because I found multiple inaccuracies on my credit report. I no longer want to depend on them to investigate these accounts. They assumed this role and failed to play their part. They response is untimely ; let alone they did not respond at all. Please block and delete all inaccurate accounts from my credit report. This has affected my livelihood, and I can not even move forward to get a new home for my wife and I because they are holding us back!
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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 USC 1681. 

Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXXXXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 a account without my written instructions 15 U.S.C 1681c. ( 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. 1681s-2 ( A ) ( 1 ) 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 2023-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-07-27
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: T.S. Holdings (AL)

I filed a complaint and it was closed with explanation stating that I am basically being sued. That is not true there is no pending litigation that I am aware of and if they are suing me, I have not been served. I need this case looked in too. This is a false statement.
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MA)

I submitted dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over XXXX days and I have not received any investigation results.
Consumer complaint received 2022-08-01
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)

Transunion has furnished incorrect information on my credit report. I have tried to resolve the issue several times via phone and letter correspondence. At this point they are in violation of three FCRA laws. Last letter sent was by certified mail on XX/XX/2022. Please see attached for letter, invoices and proof of delivery confirmation. This inaccurate information has caused irreputable damages and each violation is a recoverable fine of {$1000.00} dollars. I have also filed a complaint with my attorneys general office and the better business bureau. Transunion is willfully furnishing this incorrect information. Transunion stated ( see statement below ) that the information was verified with the furnisher. That is not true because I have a letter from the furnisher denying that you verified anything with them. Transunion also stated that they received the information from XXXX XXXX. That also is false because I requested my consumer report from them and there is no Bankruptcy listed on my report. Transunion did not even read the paperwork I submitted because they would not have responded with a statement that contradicts the dispute with factual evidence. So who did Transunion verify the information with for them to state that it is verified??? This is the big question. I will pursue all of my legal rights and request damages for willfully furnishing false information. 
responded STATUS Company responded on XX/XX/2022 RESPONSE TYPE Closed with non-monetary relief Company 's Response After careful review, we have determined the information submitted in the portal included a dispute of information appearing on your credit report. TransUnion has processed your request and forwarded a copy of the Investigation Results through US mail. You should expect to receive those results in approximately 7 business days. 
DESCRIPTION OF NON-MONETARY RELIEF In response to your request, the following actions were taken on your credit file : You disputed the following accounts and/or public records on your credit file. Below includes the results of that investigation. XXXX XXXX XXXX AS REPORTED
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I strongly request you to address and rectify the unauthorized accounts on my credit report. These entries, which I have no connection to, are adversely impacting my credit standing. Kindly ensure their swift removal and take measures to prevent such errors in the future.
Consumer complaint received 2023-04-18
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)

On XX/XX/2023 i sent a certified letter to all 3 credit bureas to dispute and investicate multipme errors on my my credit report it took over 45 days and items were removed. Now items that were removed are back on my credit report and they started a reinvestigation i also sent a letter XX/XX/2023 about my investigation not being done in a timely manner it is now XX/XX/2023 and nothing has been done i never got any type of verification on any accounts disputed i only recieved copies of my report from trans union and XXXX XXXX never recieved a anything about a reinvestigation and i want these negative items removed immediatly
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I am filing a complaint due to inaccurate information on my credit report, The accounts are reporting inaccurate information, such as payment history, date of last activity, payment status, etc. 
I am requesting that the late payment markings be updated to reflect my accurate payment history. Those payments were made on time. Accounts payment history are reflected as late payment on my credit report in violation of Federal Law.

According to 15 U.S.C. Section 602 and 15 U.S.C. Section 604A Section 2, I have the right to privacy, and a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-04-19
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. (VA)

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 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 2023-04-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (TX)

I am a victim of identity theft, I have an FTC identity theft report. I recently discovered multiple credit cards that have been maxed out on my credit report that is a result of identity theft, and I am disputing them with the furnishers and credit bureaus to have them removed. I have also had police contact me in the past due to finding perpetrators with cards in my name in their possession, and they were able to call the furnishers and get those accounts removed. So my identifying information has been compromised for years now. 

I started a dispute with Discover and the 3 credit bureaus back in XXXX. I attached my SSN, ID, bank statement for proof of address, FCRA, FTC identity theft letter, and a letter stating why and what I was disputing. I was Disputing a discover account on my credit report because it is not mine and I did not open it. Discover has responded by sending me and the 3 credit bureaus credit card statements, the date opened, and my identifying information on the account in order to prove that it's mine and try and validate the debt. Discover sent these letters on XX/XX/XXXX and XX/XX/XXXX. I have since started a second investigation with Discover and the 3 credit bureaus. I advised Discover that an itemization of charges and my personal information does not validate this debt, but documentation bearing my signature is needed to validate the debt. Which Discover does not have, they continue to send account statements in order to validate the debt. They have nothing bearing my signature, and the account should be removed from my credit file immediately since they are unable to provide documentation with a wet signature proving the account is mine. My identifying information has been compromised for years now. I informed Discover and the credit bureaus that I will report this to the attorney general and CFPB if they continue to ignore my request for documentation bearing my signature. Additionally, the date opened, credit limit, high credit limit, and date last active listed are inconsistent across the three credit bureaus. I advised Discover and the 3 credit bureaus that since the account is reporting inconsistently, and they don't have documentation bearing my signature it should be removed. However, they continue to end the investigation in Discover 's favor, even though they have not validated the debt with documentation bearing my signature.
Consumer complaint received 2024-03-13
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. (ND)

I am writing to formally dispute and register a complaint regarding several erroneous late account entries on my credit report, which continue to negatively impact my creditworthiness. I have attached a copy of my credit report highlighting the disputed entries for your reference. 

I have diligently reviewed my credit report and have identified multiple instances where accounts that are marked as late are still inaccurately reported as such. I have made every effort to rectify this situation by contacting the respective creditors and the credit reporting agencies, but to no avail. 

I would like to emphasize that these late payments are not a true reflection of my financial responsibility. I have consistently made on-time payments for these accounts, and I have the documentation to support these claims. It is crucial that my credit report accurately reflects my creditworthiness, as these inaccuracies have begun to affect my ability to secure financing and achieve my financial goals. 

I kindly request that you investigate these discrepancies promptly and initiate the necessary corrections to my credit report as per the Fair Credit Reporting Act ( FCRA ). Please conduct a thorough review of the account information provided and ensure that it accurately represents my payment history. If the investigation reveals that these late payments are indeed erroneous, I request that they be removed from my credit report immediately. 

Additionally, I request that you provide me with a written response within 30 days of receiving this complaint, detailing the actions taken to rectify this matter. If you require any further documentation or information from me to conduct your investigation, please do not hesitate to contact me at the phone number or email address provided above. 

I appreciate your prompt attention to this matter and trust that you will resolve it in a fair and timely manner. With this, I am asking for your assistance to correct this account in my credit file : XXXX XXXX XXXX Balance Owed : {$6600.00}.
Consumer complaint received 2022-07-31
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Click n' Close, Inc. (TX)

In XXXX of this year I contacted my mortgage company mid america to request a forbearance due to COVID which I know I am eligible for under CARES. The agent said they would have to determine my eligibility and proceeded to ask me to send documents. I know under CARES documents are not required nor can I be denied assuming I have not exceeded my 18 month term and have verbally attested to a hardship. Today I get a certified notice from click and close I guess my new mortgage company I was not notified of that either and its a delinquent notice!!! I was never put on forbearance and have been reported negatively to the credit bureau. This needs to be corrected immediatly I should be on a forbearance and my credit corrected. I want my call in XXXX pulled to listen to I also will be reporting this to the FHA OIG.
Consumer complaint received 2022-07-31
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIRST NATIONAL BANK OF OMAHA (NE)

XX/XX/2022 -- Opened a safe deposit box at First National Bank of Omaha ( XXXX and XXXX XXXX and was quoted a discount annual fee of {$50.00} as had other account relationships ( checking, savings and credit card ) with the bank. I gave the XXXXXXXX XXXX personal banker a check for {$50.00} to have them debit my checking account. 
XX/XX/2022 -- Received a safe deposit box bill of {$75.00} XX/XX/2022 -- Spoke with XXXX at the branch via phone and he told me that as my checking account was older that is the reason for the {$75.00} bill, but he stated this would be corrected also going forward. 
XX/XX/2022 -- My checking account was debited the {$75.00} and not the {$50.00}.