davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-17
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

ve been contacting the credit bureaus for 9 months via letters mailed in/fax/ and over the phone ; they are returning letters back to me ; refusing to investigate a lot of letters and fax went unacknowledged on letters that were sent certified mail so have confirmation that they have received them however when call rep states no record of receipt. I am fully aware they are backed up and working from home I hear family/pets in background systems go down while on the phone. This is clearly unfair that representatives are able to work from home, not held to office compliance, and refusing to process files that are received. No formal investigation is being engaged ; totally understand that we are in a pandemic however the world doesn't give agencies to be able to disregard work load and properly process files ; no laws have been sat in place to extend/amend investigation process and we are entitled to fair due process and letters to be processed without delay. WILLING TO SUBMITTED ENVELOPES THAT SHOWS " RETURN TO SENDER. INVESTIGATION ARE TAKING LONGER THAN 45 BUSINESS DAYS!! Bureuas are also disregarding letters received stating that " it appears that letters aren't coming from me '' requesting more identification information which is the information that was including in letter a picture ID, Social Security Card and Utility Bill ; this practice is a stall tact to again not process letters or removing invalidly reporting entries on my credit. I keep getting the same feedback when I am submitting the correct current requested documents.
Consumer complaint received 2022-11-05
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. (MS)

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. 

Accounts : XXXX XXXX XXXX Account # 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 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 2022-12-30
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. (CT)

On XX/XX/XXXX, Equifax, XXXX and XXXX dropped my credit score XXXX  XXXX  simply because my XXXX XXXX credit card balance decreased from XXXX to XXXX. How can they do that? It sounds like they are penalizing me for being a responsible consumer. I thought score drops applied only when a consumer misses or makes late payments, not someone like me who has a 100 % on time payment history. I demand they restore my credit score at once or legal action will be taken against all 3 credit bureaus.
Consumer complaint received 2023-02-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (UT)

Hi there, In XXXX of 2021, I was a recent first-time home owner and I purchased a new furnace and air conditioning for my home. The HVAC company strongly recommended I utilize Synchrony bank because of their 18 month interest-free loan program. The representative from the HVAC company assured me it was a great deal with no hidden strings and " as long as you pay the minimum each month, you won't owe any interest. '' So, the loan with Synchrony was set up, and I was sure to pay the amount recommended by Synchrony on time every month. My understanding from both the HVAC contractor and the information displayed on Synchrony 's account page was that their recommended monthly payment was based off of paying off the entirety of the loan within the stated 18 month period. Their website and literature encouraged payment at this rate, and no indication was given that their recommended rate would result in the 18 month window passing while I still carried a loan balance, and that an astronomically high interest rate of 26.99 % would be applied to the entire principle I originally borrowed. With the monthly interest rate being applied to the principle, I now owe an additional {$4100.00}. Almost half of the original loan amount. 

I contracted Synchrony today trying to understand the {$4100.00} charge that showed up, and after speaking to a manager I was told I was 2 weeks outside of their one month grace period and there was nothing they would do to mitigate the interest charges.

I believe this practice intentionally targets those with less experience and knowledge of these financial instruments. I feel mislead by not only the HVAC company but also by Synchrony. As a young adult and new homeowner, I feel targeted by bad actors looking to sign me up for these types of loans, mislead me of their nature, and hoping I never read the fine print. Before the mortgage on my house, I'd never had a loan or carried a credit card balance in my entire life. I wasn't prepared for the level of vigilance I'm supposed to maintain even for an HVAC company with a decent reputation. 

I appreciate your time in looking into this. Thank you. 

XXXX
Consumer complaint received 2022-12-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TRUIST FINANCIAL CORPORATION (VA)

This concerns my attempt to help 2 of my friends cash their savings bonds. Their names are slightly incorrect on the bonds so their bank would not cash the bonds for them. I contacted the Dept. of Treasury ( DOTR ) and got the forms and instructions to resolve this situation. Their forms to use are FS Form 0385 and FS Form 1522. The process according to DOTR instructions is this : I fill out the appropriate form and take it to my bank or financial institution and they are to XXXX XXXX my signature ( verifying I am who I am with proper identification ). A notary stamp will not do. After that, my friends are to fill out their forms ( which I sign also ) stating that their names on the bonds are slightly incorrect and they are actually the person on the bonds. Interestingly enough, they do not have to have their signatures notarized or XXXX XXXX since the amount of their bonds are less than {$1000.00}. So the DOTR has this clear cut process whereby I am certifying who these people are so that these they can cash their bonds. However, my bank, Truist Bank, that has the XXXX XXXX, refuses to use it on my signature in compliance with the DOTR procedure. They refuse to do this because ( get this! ) they have not seen this process before so they won't look into it and do their required job. I have never seen this process before either but I took the time to it learn about it and follow the DOTR instructions to resolve this problem. The people at my Truist Bank XXXX location that refuse to help me are : XXXX XXXX, XXXX, XXXX ; and XXXX XXXX, XXXX, XXXX. Please help me!
Consumer complaint received 2023-05-20
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: Experian Information Solutions Inc. (NJ)

Please be advised that the following account should not be on credit file :! - XXXX  XXXX XXXX account # XXXX Authorize user, terrminated relation XXXX XXXX  XXXX  XXXX account # XXXX authorize user, terminated relation. i do not wish be be an authorize user on account s. 
delete account s from my credit file. 
XXXX XXXX XXXX XXXX  XXXX account XXXX this account was set up on auto pay, however, on XXXX is reporting a 30 day late. this account was always on auto pay. I ask that the late payment on XXXX XXXX be removed from my credit file. 
my request is for Experian, XXXX and XXXX. 

Also, respested companies. 


Thanks, XXXX XXXX
Consumer complaint received 2023-05-20
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: Experian Information Solutions Inc. (MA)

In accordance with the Fair Credit Report Act XXXX, Account : XXXX, XXXXXXXX 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 furnish an account without my written instructions. 

This account is a fraudulent account, I do not owe this company and I have never signed any contract with them.
Consumer complaint received 2024-03-25
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)

To Whom It May Concern : This is my second time writing you to update my personal information.

15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX 2. My Address : XXXX XXXX XXXX XXXX, XXXX, FL, XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Page 26 | 43 Please send an updated credit report once the changes are complete to my contact information listed.

My contact information is as follows : Name : XXXX XXXX SSN : XXXX Address : XXXX XXXX XXXX XXXX, XXXX, FL, XXXX Sincerely
Consumer complaint received 2018-03-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I would like to formally file a complaint against Capital One, XXXX, XXXX and XXXX. Since XX/XX/XXXX I have sent several requests to Capital One directly and all 3 credit bureaus on the following dates : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX, which I have certified mail receipts for formally disputing and requesting validation of debt/accuracy of the information they are reporting. For months, Capital One repeatedly sent notices advising " in order to research your request, please send information ''. Information they should already have due to the fact they are reporting to the bureaus that I owe this debt. Requests for last four digits of account number, full ssn number ( which I always provided with each attempt ) Capital One would continue to send notices stating they could find no fraudulent activity associated with my ssn and the account number I was providing. Again, they still have not validated debt/provided an original contract bearing my signature. So finally frustrated with Capital One, I try to dispute with the credit bureaus to see if they could get debt validation. They too would always send updated credit reports stating the debt has been verified and updated on my credit file. I formally requested from Credit Bureaus how they are verifying this debt, if the original creditor can not provide validation of debt. Their response is always verified and updated. It has now been 12 months of back and forth with Capital One and The Credit Bureaus. Violation of defamation has definitely taken place. I would like this debt removed from my credit reports with all three bureaus, as this has caused so much financial stress and hassle on my behalf.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On or around XX/XX/2024 I transferred money from my personal account with Bank of America into my auto loan with Bank of America in the amount of {$2000.00}. My account balance was {$11000.00}. The payment rejected on the following day, XX/XX/2024. I proceeded to try and make the transfer again on XX/XX/2024 in the amount of {$2000.00}. My account balance has not changed from the amount stated above. Again the payment was rejected. This caused me to contact Bank of America due to the fact that my payment was due on XX/XX/2024. This was my second time trying to contact someone. The lady on the phone told me that my account was in a collection status, which was shocking to me because my payment was due that day. When I told her that my payments were rejecting and I had the funds in my account, she told me to wait a few days. Two to three days to be exact and call back. Because I didnt want to leave anything to chance, I tried to make the payment again on XX/XX/2024. This time the payment was accepted. I didnt think anymore about it. No harm, no foul is what I was thinking. However, that wasnt the case. On XXXX the XXXX, I started receiving alerts on my credit that Bank of America had updated my account to 30 days late. This totally took me by surprise because I had been calling them and making payments that werent being accepted. So again, I called Bank of America on XX/XX/2024 only to be transferred there and four times and being placed on hold for over a hour with no resolution. What they did is against the law. You can not report an account 30 days late when a payment has been made. According to the fair credit reporting act, it is unlawful to report fraudulent information to the credit bureau. I would like this late to be removed from my credit profile immediately.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

I am writing to formally notify you of the unauthorized inquiries listed on my credit report, specifically those conducted by the companies mentioned in the following details : These lenders have accessed my credit file : XXXX. XXXX XXXX - Inquiry Date : XX/XX/XXXX - Removal Date : XX/XX/XXXX XXXX. XXXX XXXX - Inquiry Date : XX/XX/XXXX - Removal Date : XX/XX/XXXX XXXX. XXXX XXXX - Inquiry Date : XX/XX/XXXX - Removal Date : XX/XX/XXXX XXXX. XXXX XXXX - Inquiry Date : XX/XX/XXXX - Removal Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX - Removal Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX - Removal Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX - Removal Date : XX/XX/XXXX XXXX. XXXX - XXXX Date : XX/XX/XXXX - Removal Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX - Removal Date : XXXX XXXX 10. XXXX XXXX - Inquiry Date : XX/XX/XXXX - Removal Date : XXXX XXXXXXXX  11. XXXX XXXX - Inquiry Date : XX/XX/XXXX - Removal Date : XXXX XXXX 12. XXXX XXXX - Inquiry Date : XX/XX/XXXX - Removal Date : XXXX XXXX XXXX. XXXX XXXX - Inquiry Date : XX/XX/XXXX - Removal Date : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX : XX/XX/XXXX - Removal Date : XXXX XXXX 15. XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX - Removal Date : XX/XX/XXXX On those dates or similar dates, I did not authorize any individual from the listed companies to pull or review my consumer report. Additionally, I have not given XXXX or Experian permission to furnish this information. I understand that this is a violation of 15 USC 1681 ( B ) ( C ), both together and separately, and my consumer and privacy rights are being violated. 

Unless you can produce any proof or evidence that supports your claim or shows that you were right in your decision to furnish this information, I am demanding the removal of the abovementioned inquiries within 15 days of this letter. It is your duty to accurately report information, and as of now, you are violating my rights as a consumer. 

I look forward to XXXX and Experian resolving this matter with this initial communication. Should you choose to be willfully neglectful as it pertains to my file, I will file a dispute against you in small claims court seeking remedy for said violations.
Consumer complaint received 2023-05-29
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. (IN)

I am a victim of identity theft. I am filing this complaint for myself to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2021-01-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: HSBC NORTH AMERICA HOLDINGS INC. (TX)

I have a HSBC Premier Checking account. Yesterday on XX/XX/XXXX, I made a Real-time Transfer of {$60.00} from my HSBC Premier Checking account to my XXXX XXXX  Savings account. Since this was a Real-time Transfer, it should be received by my XXXX XXXX Savings account instantly. However, when I checked my XXXX XXXX account, this {$60.00} transfer was not received at all. Then I called XXXX XXXX and was told by XXXX XXXX representative that they didn't receive this {$60.00} transfer from HSBC at all. However, this {$60.00} has been already deducted from my HSBC Premier Checking account and the transfer status on HSBC end shows successful.

Apparently HSBC deducted this {$60.00} from my HSBC checking account but didn't send this {$60.00} to my XXXX Savings account at all. HSBC illegally stole this {$60.00} from my HSBC Checking account now.

I request HSBC to IMMEDIATELY either send this {$60.00} to my XXXX XXXX  Savings account instantly or post this {$60.00} back to my HSBC Checking account.
Consumer complaint received 2022-12-30
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)

I submitted a letter to the 3 Credit Bureaus to delete these unverified accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-30
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: Experian Information Solutions Inc. (FL)

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit reporting agencies are required to remove any item listed on an id theft report. Please find the attached documents to assist in blocking the erroneous information which is being posted to my report. Here isthe list of items that do not belong to me or were opened without my permission. XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX IL XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; According to FCRA Section605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4business days after the date of receipt.
Consumer complaint received 2020-12-18
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: NAVY FEDERAL CREDIT UNION (PA)

I have filed a dispute in regards to the incorrect items on my credit report. it has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2020-12-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Lending Club Corp (UT)

On XX/XX/XXXX I went to the online website to make my regular payment that is due on XX/XX/XXXX. Up until this point I have always used autopay. I canceled the autopay on XX/XX/XXXX so I could start making the payment early along with additional principle. When I logged into my account, there was a button to make payment which I clicked and make the regular payment. There was no option to make additional principle. It stated I would have to wait 2 days to make the additional amount. No biggie. When they applied my payment on XX/XX/XXXX, they applied the entire thing to principle and said I still have a payment due on XX/XX/XXXX. I called them on XXXX and was told they will look into the matter but in the mean time I need to make another payment. The payment is {$920.00}. I do not have an additional payment right before XXXX.