davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-30
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: Experian Information Solutions Inc. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Consumer complaint received 2023-05-24
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL (TX)

Synchrony Bank is trying to collect on INTEREST. This is our 3rd time we have gone through Synchrony. The 1st 2 times, we paid the principal amount due each statement, which was the maximum posted on each statement received. So, at the end, we were left owing XXXX. On this 3rd time around, we had no idea it was not being done the way the first two were done on our statements received. They were NOT putting the principal maximum each month as our payment owed. Little did we know, this was being done this 3rd time around! Now, they are wanting us to pay INTEREST plus LATE FEES are now being generated. We've called, we sent a Certified Return Receipt LETTER twice, outlining all of this. We received one back Returned Receipt but not the 2nd one yet. Did this about 2 weeks ago, so they've had time to send it back. This is extremely deception to their customers to all of a sudden start changing the principal payment done each month to the minimum, and to try to collect more money from customers. Very dishonest. We paid monthly due each time and on time only for them to say we've been paying only the minimum, which is what they put on their statements. We will never do business with Synchrony again! It is the same thing that was done to students in college! Interest accumulating on top of itself. The representatives on the phone are understanding but they can not help customers with this so we are filing complaints now. It is not right to do this to good paying or even bad paying customers. 
We sent our normal payment in and wrote PRINCIPAL ONLY on it. Well, guess what, they did not post it as we asked. They applied part of it to INTEREST! This can not be right!
Consumer complaint received 2024-03-30
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: EQUIFAX, INC. (MD)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, XXXX XXXX Equifax is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, XXXX, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Consumer complaint received 2017-07-17
Product: Credit reporting, credit repair services, 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. (LA)

I am filing this complaint due to several unauthorized inquiries showing on my credit report. At the time I received those credit inquiries on my Experian credit report there was a fraud alert on my account and anytime someone runs my credit I was to be notified and I was not. therefore my consumer rights were violated. I also contacted Experian via mail and phone but I was denied to get these items removed from my credit report. I contacted each creditor through phone and was told that they could not provide me with any info and through mail I heard nothing back that was well over a month ago. I 've contacted Experian and stated this, I was constantly told to contact creditor even after I told them that I have not received a response. I did not give any one of these creditors permissible purpose to pull my credit and as I stated before a fraud alert was on my acct. I should have been alerted and that was not in full compliance with the FCRA. I do not do business with neither one of the companies that accessed my credit report. I would like Experian to furnish proof from each creditor stating that permission was in fact given I would like proof with in 30 days. If you all can not furnish proof with in 30 days I would like for u to comply with the FCRA and remove each inquiry from my credit report.
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The list of unauthorized credit inquiries consist of :   XXXX   inquiry from  XX/XX/XXXX   XXXX   XXXX   inquiry from XX/XX/XXXX    XXXX   XXXX    inquiry from  XX/XX/XXXX    XXXX   XXXX   inquiry from  XX/XX/XXXX    XXXX   XXXX   inquiry from  XX/XX/XXXX   XXXX  inquiry from  XX/XX/XXXX   XXXX    inquiry from XX/XX/XXXX
Consumer complaint received 2016-12-19
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Asset Management Outsourcing, Inc. (SC)

I have s ent Nationwide Recovery Services l etters requesting validation in regards to a debt that is currently reporting on my credit report for {$490.00}. I have NEVER received anything from this company stating what these charges are for. This is a false debt that I want removed from my credit report before I obtain a lawyer and pursue legal routes. This is not fair! I ask that this company remove this erroneous mark from my credit reports immediately!!!
Consumer complaint received 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TX)

First I began a dispute with the credit bureaus. Nothing was getting resolved. Every time I would dispute the investigation would say that the information was updated, which would change all the time. The payment updates would change to unknown. This is my credit report. If the data is unknown, then there is no data, and it should not be on my credit report. So I called XXXXXXXX XXXX. Need I remind you this is a recorded line and she said that she could not validate it. Then I said you would have to remove this. She said I would have to send a letter to the dispute team. I did so. They have not responded to my letter requesting validation. It has been well over 30 days.
Consumer complaint received 2018-04-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE (CA)

I have been a customer of Barclays XXXX rewards ( account ending in XXXX ) since XX/XX/XXXX. 

My account was randomly closed, & without explanation when calling to report my card lost on XX/XX/XXXX. I was not aware that it was closed. 

The CSR advised that the card was closed by a back office representative earlier in the day, approximately around XXXX. I was in shock. 

This acccount was closed one day after a payment, and 3 days before a new statement was to generate. 

This type of behavior by a credits issuer is damaging as it could trigger knee jerk reactions by my other card issuers, some which span more than a decade ( ie - XXXX, XXXX, XXXX XXXX, & multiple store branded card issuers as well ). 

I contacted Barclays and have yet to receive a response, this knee jerk type of activity is very damaging to a credit report, specifically the Debt to Income Ratio & AAOA ( Average Age of Accounts ). My revolving balances are steadily decreasing across the board and it shows as my FICO XXXX has steadily increased over the last 4 months ( XXXX to XXXX to XXXX to XXXX - my score was XXXX when originally approved for the card ). 

This random activity without explanation damages this.
Consumer complaint received 2017-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (IN)

There are  XXXX  very old   XXXX   accounts that are not supposed to be reporting on my credit. The  XXXX   XXXX  card account has an account number of "  XXXX ****** '' with an open date of  XX/XX/XXXX . The  XXXX   XXXX  card account has an account number of "  XXXX  '' with an open date of  XX/XX/XXXX . Years ago, I ran into serious financial hardship and was not able to pay these accounts at the time. I communicated my situation to my creditors and  XXXX  was one of the companies who stated they would request a deletion to the bureaus of the   XXXX   charged off credit cards after I paid. It has been almost six years since I paid these accounts so I do n't understand why the credit bureau is only saying that  XXXX  is verifying the accounts. That is not even my dispute. I know these were previously my accounts. The credit bureau is not processing my dispute properly and this is one of the reasons this process has been delayed for so long. Just to be sure I 'm not being given the runaround, I called Chase a couple of weeks ago and they told me they do n't even have the account in their records anymore! This is a problem because this credit bure au is refusing to honor my creditor 's deletion request.
Consumer complaint received 2022-12-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp. (CA)

THIS CREDITOR HAS BEGAN SNDING LETTERS STATING THAT I OWE DEBT O AN ACCOUNT I HAVE ABSOLUTLEY NO KNOWKEDGE OF OR HAVE EVER POSSESED AND ACCOUNT WITH THIS CREDITOR. I DEMAND THEY STOP SENDING LETTERS TO MY ADDRESS AND PROCEED WITH REMOVING THIS FRADULENT ACCOUNT
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

My account with XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX and all payments were placed on XXXX. 
This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made by XXXX XXXX XXXX and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 
I demand the late payment reported in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

- 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX  XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! I demand that they delete the late payments from my consumer reports.
Consumer complaint received 2017-07-17
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NJ)

I have had several issues with Navient/XXXX XXXX over the years. Initially years ago they had two  accounts under my name because they made a typo with my SSN. This caused one of my loans not to appear under my actually SSN numbers and subsequently led to collections and an impact to my credit. Also, over the years I had been paying more than the minimum payment but found out later that the over payment was not being applied to principle. When asking their collections how I can get ahead online I was always given different responses. One being that this was not possible. I feel as if they intentionally make it difficult so that you are stuck in an endless cycle of debt. I also see that my interest rates have increased greatly. This is not manageable in anyway. I believe one of my loans had a fixed rate but it seems that was increased also. I am helpless here and need to figure out how I make a dent in these loans.I have no problem making payments, but I am not getting anywhere with these high interest rates and my inability to pay towards principle easily.
Consumer complaint received 2023-06-03
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: Experian Information Solutions Inc. (GA)

On XX/XX/2023, I wrote and mailed certified letters to XXXX XXXX XXXX for Account XXXX amount {$710.00} and account number XXXX amount {$7900.00} requesting verification of debt. XXXX XXXX XXXX. never sent me debt verification within XXXX days. Around XX/XX/2023, I disputed the above debts with XXXX, Experian, and XXXX, giving them proof of my certified letters ( XXXX and XXXX ) and proof of receipt of the certified letter by XXXX XXXX, XXXX. After completion of the disputes, the above inaccurate debts still remain on my credit reports which is causing an interference in me obtaining a mortgage.
Consumer complaint received 2017-07-17
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have been disputing an account on my credit report by   XXXX   XXXX  . They are reporting an account from   XXXX   XXXX   that was opened in  XXXX . They are currently reporting that the account was opened in   XXXX   which is wrong. Neither company is able to verify the account.   XXXX   XXXX   sent me a letter stating that they do n't have the documents 8n which if they do n't have any documents with my signature   XXXX   XXXX   does not either. I 've disputed this with Transunion and transunion claim they verified the account as being reported correctly. That 's impossible if the original creditor is unable to validate the account with documents. I 've attached a letter from   XXXX   XXXX  .
Consumer complaint received 2024-03-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Bank of America has engaged in bank fraud and identity theft and fraud and attempted theft of my checking and savings accounts in collusion with bank employees at the XXXX location on XXXX XXXX location at the corner of XXXX XXXX XXXX XXXX XXXX XXXX XXXX Maryland. The employees are the manager and two XXXX XXXX one in the Merrill Lynch investment section and the other is a new cashier. They also worked with outside parties outside the bank named XXXX XXXX who has engaged in identity theft and fraud of me in the past. The bank deposit in question is coming through on XX/XX/2024.
Consumer complaint received 2024-11-19
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. (AR)

XXXX XXXX XXXX  Balance {$3000.00} XXXX XXXX XXXX Balance {$1800.00} XXXX XXXX Account number XXXX Balance XXXX XXXX Balance {$24000.00} XXXX XXXX Balance {$130.00} 15 U.S.C 1681 section 602 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 account without my written instructions.

15 U.S.C 1681c ( a ) 5 ) Section States : no consumer agency may make any consumer report containing any of the following items of information any other adverse item of infromation, other than records 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 know or has reasonable cause to believe the information is inaccurate.
Consumer complaint received 2023-05-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (MS)

Wells Fargo failed to investigate a transaction I disputed correctly I filed WF went with the merchant only because I tipped the merchant after the service the provide wasnt as expected. On XX/XX/2023 I authorized a transaction for {$71.00} at XXXXXXXX XXXX  for dip powder acrylic nails. On XX/XX/2023 I noticed cracks in my nails I contacted XXXX XXXX  to inform them my nails were cracking I was told We fix your nail you have to pay for service again I contacted Wells Fargo to dispute the transaction, they issued a provisional credit On XX/XX/2023 they withdrew the credit from my funds. On XX/XX/2023 the representative stated the dispute was file incorrectly WF stated I authorized the transaction and they agreed with the merchant because I left a tip before I noticed my nails were done incorrectly.
Consumer complaint received 2024-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2024-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am formally disputing the XXXX XXXX XXXX loan ( Account # XXXX  ) on my credit report based on the following legal grounds. I am requesting the immediate removal of this account due to significant inaccuracies and violations of federal consumer protection laws, as outlined below. 
XXXX. Violation of FCRA Accuracy Requirements 15 USC 1681e ( b ) Under 15 USC 1681e ( b ), XXXX is required to maintain the accuracy of the information included in my credit report. The past-due balance for the XXXX XXXX XXXX XXXX is inconsistent between your report and XXXX report. 
XXXX reports a past-due balance of {$16000.00}, while TransUnion reports {$16000.00}. 
This discrepancy demonstrates that the information is inaccurate and unverifiable, and therefore, it must be corrected or deleted. 
XXXX. Improper Charge-Off Reporting Misleading and Unfair The account is listed as a charge-off, which represents canceled debt as defined under IRS Code Section 6050P .

Canceled debt is treated as taxable income, typically reported on a Form 1099-C. If XXXX XXXX XXXX has charged off this debt, it can not be legally reported as an outstanding balance. 
Reporting the account in this manner violates the FCRAs accuracy and fairness standards under 15 USC 1681s-2 ( b ), which require furnishers to ensure reported data is neither misleading nor incorrect.

4. Failure to Provide Opt-Out Rights 15 USC 6802 ( GLBA ) Under 15 USC 6802 ( Gramm-Leach-Bliley Act ), XXXX XXXX XXXX was legally required to : Notify me of their intention to share my personal financial information with third parties. 
Provide a clear and conspicuous opportunity for me to opt out of such information sharing. 
To date, I have received no such notice. As this reporting is unauthorized, it must be removed from my credit report immediately. 

Requested Resolution I am requesting the following actions : Immediate Removal of the Account : Due to inaccuracies, unverifiability, and legal violations.

Proof of Verification ( if the account is not removed ) : Provide detailed documentation reconciling the balance discrepancy across bureaus.

Submit evidence that no tax cancellation ( Form 1099-C ) has occurred for this debt.

Provide a record of my opt-out notice under the Gramm-Leach-Bliley Act.

Failure to comply with these requests will result in further action, including filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities.

Legal Summary of Violations 15 USC 1681e ( b ) : Reporting of inaccurate past-due balances.

15 USC 1681i ( a ) ( 5 ) : Inability to verify disputed information within the legally mandated 30-day window.

15 USC 1681s-2 ( b ) : Misleading charge-off reporting.

15 USC 6802 ( GLBA ) : Failure to provide opt-out notifications.

Thank you for your immediate attention to this matter. I expect your response and resolution within the 30-day statutory window, as required by federal law.