davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-06
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: GOLDMAN SACHS BANK USA (AZ)

On XX/XX/2023, I made a payment for {$1800.00} and was told that the interest charge would be {$43.00}. 

Instead, I was charged {$86.00} I made countless efforts by Support chat and over the phone to correct the issue, but no agent was able to take actual power. They said it was because of trailing interest from a previous month, but that is entirely untrue, because the balance had been paid in full during those months.

Out of frustration, I have closed the account and will be paying the balance in full now to avoid future interest.

The systems from this company and credit card are completely mismatched with true information. The best example is not just the overcharging interest, but the fact that when I closed my card today that they could not close the account with the full balance paymentto say that another way : I tried to pay the full balance of all charges and they would not even accept it! Will I be charged interest on that?
Consumer complaint received 2022-11-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (CA)

On Experian it states the I owe {$310.00} to collection that was past due to XXXX XXXX XXXX XXXX, account number XXXX. The date opened was XX/XX/XXXX, however I was locked up from XX/XX/XXXX until now so the is a result of identity theft and I wanted it disputed but Experian stated that the debt to collection remains
Consumer complaint received 2023-09-19
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)

TAKE NOTICE ( XXXX ATTEMPT ) COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 6802 BY REPORTING UNAUTHORIZED INFORMATION. ON XX/XX/XXXX, IN WRITING, I SENT COMPANY AN OPT OUT NOTICE. COMPANY IS STILL REPORTING NON PUBLIC INFORMATION ACCORDING TO CREDIT REPORTS. 

COMPANY IS IS VIOLATING MY RIGHT TO PRIVACY PURSUANT TO THE FOLLOWING CONSUMER PROTECTIONS : -PRIVACY ACT OF XXXX -CODE OF FEDERAL REGULATION TITLE XXXX CHAPTER XXXX SUBCHAPTER C PART XXXX PRIVACY OF CONSUMER FINANCIAL INFORMATION -TITLE XXXX UNITED STATES CODE XXXX XXXX OBLIGATIONS WITH RESPECT TO DISCLOSURES OF PERSONAL INFORMATION
Consumer complaint received 2023-10-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dispute Reference Number XXXX To Whom It May Concern, I am writing to formally dispute and request an investigation into certain inquiries that have appeared on my credit file, which I believe should not have been authorized or reported. These unauthorized inquiries have the potential to negatively impact my creditworthiness, and I request your assistance in resolving this matter promptly. 

Inquirer Name : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Inquirer Name : XX/XX/XXXX Date of Inquiry : XXXX Inquirer Name : XX/XX/XXXX Date of Inquiry : XXXXXXXX XXXX Inquirer Name : XX/XX/XXXX Date of Inquiry : XXXX XXXX XXXXXXXX Inquirer Name : XX/XX/XXXX Date of Inquiry : XXXX - XXXX XXXX Inquirer Name : XX/XX/XXXX Date of Inquiry : XXXX XXXX XXXX XXXX XXXX. 

Inquirer Name : XX/XX/XXXX Date of Inquiry : XXXX XXXX Inquirer Name : XXXX XXXX Date of Inquiry : XX/XX/XXXX I assert that I did not provide explicit authorization for any of the inquiries listed above. Furthermore, I have not initiated any business transactions or credit applications with these entities, and I have not granted permission for them to access my credit information. These unauthorized inquiries are in direct violation of my rights under the Fair Credit Reporting Act ( FCRA ).

I kindly request that the CFPB initiate an investigation into these unauthorized inquiries, and I ask that you take the following actions on my behalf : Contact the inquiring entities to request verification of the inquiries, including any documentation that proves I provided authorization.

If the inquiring entities fail to provide valid proof of authorization, request that they remove the unauthorized inquiries from my credit report immediately.

Provide me with written confirmation of the results of your investigation, including any actions taken to correct my credit report.

I am providing copies of my credit reports from the three major credit bureaus ( XXXX, XXXX, and TransUnion ) with the unauthorized inquiries highlighted for your reference. Enclosed, please find copies of the following documents : [ List any supporting documents you are including, such as copies of your credit reports ] Please be advised that I expect this matter to be resolved promptly and in accordance with the FCRA. Any delay in addressing this dispute may result in further damage to my credit profile, which I am working diligently to maintain.

I appreciate your attention to this matter and your assistance in rectifying this situation. Please feel free to contact me at the provided email address or phone number if you require any additional information or clarification. 

Thank you for your prompt attention to this dispute. 

Sincerely, 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 — Credit inquiries on your report that you don't recognize
Company: William D. Meeker Enterprises, Inc. (OH)

I was shopping for Mortgage and auto loan. All of a sudden I get all this inquiries more than XXXX inquiries which has affected my credit. At this moment my loan cant be approved if they are not removed. Without this loan I will lose it all.
Consumer complaint received 2024-05-16
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (GA)

I manage XXXX synchrony accounts from the same portal. One is a XXXX XXXX account and the other is a Car Care card account. This is the third time that they have decreased my credit limit on the Car Care account even though I have maintained good status with the payments. I recently paid off a XXXX XXXX account that has over {$7000.00} available on it. Why did they not reduce that balance instead of the one that I am using? 

They are still acting in a retaliatory manner for past complaints and trying to maliciously to compromise my credit with the negative reporting even though my performance on the account has been good. There was absolutely no reason for the credit decrease on the account and the malicious harassment should stop. They are a public company, and should not have this type of personal engagement harassing consumers and projecting toxic narratives on their credit reports.
Consumer complaint received 2023-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Harley Davidson Financial Services Inc (NY)

While in the process of purchasing a home. I created accounts with the 3 main credit bureaus to keep track of my credit score and updated credit reports. In XX/XX/XXXX, I received a notification on my XXXX credit report stating that my Harley Davidson account that's been paid in full and closed since XXXX now had a 30 day late delinquency mark. 

I paid for and pulled the most up to date at the time credit report directly from bureau ( XXXX ) and then called them to notify them of this error. They explained that it was the vendor Harley Davidson who had reported to them the delinquency and that they were only reporting what was given to them. XXXX by XXXX picked up on the same delinquency and I had to notify them as well, they recognized the error and removed it after two months. In XXXX by certified mail I sent a letter to the XXXX XXXX disputing the late payment. It came back in XXXX verified. With that, my credit score dropped almost XXXX plus points and all my indicators changed which directly affected me getting a home loan. So I decided to call Harley Davidson. 

At first, Harley denied the late delinquency on my credit report but after my multiple calls and emails on XX/XX/XXXX, I received a voice mail from the company asking me to return their call after I emailed them my credit report and stated I was going to send a complaint for false reporting. 
I've been attempting to get both Harley Davidson and XXXX to fix this error. They both have done nothing but point the fingers at one another and done everything to my credit report which has directly affected my credit score over these past few months like erase my good paying history with them completely on my credit report and leave the one thing I've been requesting them to remove. They have placed the issue into dispute status but then validate the delinquency although the status on the account as well as the indicators clearly shows paid in full and closed. 

I've called Harley Davidson and XXXX. Separately, as well on XXXX way. They are aware of this error yet both parties have been difficult. Harley Davidson claims they have placed a XXXX into XXXX to remove the error because they never reported me late in the first place. However when I'm asking for a letter to stand in place as proof until the matter gets fixed, they refuse to provide one. Its been 4 months and still nothing. Both companies I'd like to report. Harley Davidson for reporting me to the bureaus falsely and the bureaus for not doing a proper investigation while under dispute. I'm hoping you'd be of some help in this matter and hope to hear from you soon.
Consumer complaint received 2023-10-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: TRUIST FINANCIAL CORPORATION (FL)

Truist Bank sends me letters on a monthly basis to tell me that I do not have homeowners insurance. I sent them proof from my insurance broker who sends them updates EVERY SINGLE time they send me a letter. They correct it for a few months then they send me another letter to say they will automatically purchase policies for me when I'm already insured. Then even after providing proof they still purchase a {$22000.00} policy and my mortgage payment goes from {$5600.00} to {$9000.00} without any warning and I'm told I now owe overdraft fees. 
Who is going to hold this company accountable for fraudulent business practices? 
I have to provide proof of wind, flood every 3 months - Why? 
I have every single letter they've sent me and can provide these as proof including all the policies they purchased for me automatically. 
I would not recommend anyone bank with Truist or obtain a mortgage from them as they clearly practice fraudulent business.
Consumer complaint received 2023-04-18
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. (FL)

Under the laws of the FDCPA, I have contacted the ALLEGED CREDITORS myself and they have been unable to verify the information they are reporting to you ; they have not even verified that these are indeed my debts. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the account listed.
Consumer complaint received 2023-09-19
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. (NY)

I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.
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. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-04-18
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: NAVY FEDERAL CREDIT UNION (VA)

Good morning to whom it may concern, I am writing as I have tried several times to receive an auto loan from Navy Federal Credit Union in order to purchase a new vehicle. I have been repeatedly denied credit and the main reason is because " I caused the bank a financial loss, '' by settling credit accounts that were charged off in order to purchase my first home in XXXX. I am confused as this is a federally insured bank that receives billions of dollars in annual revenue, but tell me they I will be denied credit because I caused them a financial loss. We live in times were it is harder to receive loans due to selfish lending practices from banking institutions. I feel as if this is in violation of the fair credit reporting act, and a form of discrimination. Because of this, I am afraid to attempt to request auto or personal loans from Navy Federal as I feel they are being discriminatory towards me as a consumer due to me settling those old accounts. 

Thank you for you time and consideration into this matter. 
Have a great day.
Consumer complaint received 2023-09-28
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. (GA)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
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. (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 XXXX XXXX XXXX. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or 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 2023-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I had reached XXXX XXXX, XXXX  and I submit a claim here before but I haven't received any answer I have a negative file on my credit report and they are affecting me I have sent all the valid documentation, letters, and FTC and nothing has been resolved.
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: 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 XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or 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 2023-10-06
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: Experian Information Solutions Inc. (LA)

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 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 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I am challenging four different reports of late payment and one report of a " write off '' from XXXX when the loan is current and I've not stopped making payments. 

I'm filing this complaint against XXXX, TRANSUNION AND XXXX XXXX XXXX. Im disputing the WRITE OFF and the two late payments XXXX XXXX and XXXX. I am current with their collections department, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-23
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: MOHELA (OH)

After Mohela sent me a loan forgiveness letter in XX/XX/XXXX, they decided to reinstate my loans in XX/XX/XXXX, with no notice. While I was trying to figure out what was going on with my account, I fell behind in payments. I've gone from making $ XXXX per year to a part-time job making $ XXXX. I requested forbearance and it was denied, again with no notice. I discovered my forbearance was denied by tracking my submission online.
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: EQUIFAX, INC. (NJ)

This is purely identity theft. I do not recognize this account. This account damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Closed Accounts : XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX  ) # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX - XXXX ) # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) # XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX ) # XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX, XXXX XXXX  XX/XX/XXXX XXXX REMOVE THIS IDENTITY THEFT ACCOUNT ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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.