davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

I have a collection account on my credit report that is being reported inaccurately. XXXX XXXX XXXX  is being reported by all three bureaus inaccurately. Its being reported as charged off and paid monthly at the same time and a few other things. I have attached a copy of my report. This information is inaccurate and its really hindering me. Due to the false information being reported I want this collection removed from all three reports immediately. I also want all three bureaus to provide me with full details and signed documents with my signature on them. If this information is not provided I demand that all three bureaus remove this collection from my report. I have tried to resolve this matter plenty of times and the next step is to proceed with litigation due to the hardship that this matter has caused me.
Consumer complaint received 2024-03-22
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. (VA)

To dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clearly stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.
Consumer complaint received 2022-01-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (IL)

XXXX XXXX has a collection reporting to my credit and I have never had an account with them, Ive only ever lived with my parents, where I dont pay bills. I have had no other address other than XXXX XXXX XXXX XXXX. This account has had to been opened fraudulently.
Consumer complaint received 2022-01-04
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I had a credit card with XXXX XXXX XXXX. I setup a payment with my bank ( XXXX XXXX ) to pay account off. XXXX XXXX flagged my payment as fraud and closed my account including cutting me off to review it furthermore they marked it as late. I wasnt notified and didnt find out until I received a credit monitor alert. I have zero control of them not accepting my payment. This happened once in XXXX, I contacted them they reopened my account I paid in full second time was in XXXX they would not open my account but paid in full but its on my credit report. The late payments Is due to their fraud flag from a reputable bank and zero fault of mine.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2022-10-31
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. (MI)

Delete Late payments from XXXX XXXX XXXX from XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX your company is in clear violation of the law under 15 USC 1681b-Permissible purpose of the consumer reports the law Cleary states . ( b ) in Genral subjects to subsection ( c ) any consumer reporting agency may furnish a consumer report the following circumstance and no other. ( 2 ) in accordance with the written instruction of the consumer whom it relates. did I give you written instructions on my credit report? ( A ) Subject to section 1681s-3 of this title any ( i ) reports containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my credit report. failure to respond satisfactorily with deletion of the above referenced account and send out a free copy of my credit report after changes have been made will result in legal actions being taken against your company, for which will be seeking {$1000.00} per violation for : 1.Defamation of Character ( per se ) 2.Negligent Enablement of identity fraud 3.Fair debt collection practices act 15 USC1692g violations 4.fair reporting act 15USC 1681 violations for willful noncompliance- 616. Civil liability for willful noncompliance 15USC 1681n Best regards, XXXX XXXX
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: PENTAGON FEDERAL CREDIT UNION (NJ)

I requested my information and I have yet to receive anything. 

Please have this company upload the following documentation. 

Last 12 months of my billing statements, payment history, the terms and conditions of this agreement, and a document showcasing how my payments were applied. I.E. allocation of payment.
Consumer complaint received 2022-10-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Delete Late payments from XXXX XXXX XXXX from XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX your company is in clear violation of the law under 15 USC 1681b-Permissible purpose of the consumer reports the law Cleary states . ( b ) in Genral subjects to subsection ( c ) any consumer reporting agency may furnish a consumer report the following circumstance and no other. ( 2 ) in accordance with the written instruction of the consumer whom it relates. did I give you written instructions on my credit report? ( A ) Subject to section 1681s-3 of this title any ( i ) reports containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my credit report. failure to respond satisfactorily with deletion of the above referenced account and send out a free copy of my credit report after changes have been made will result in legal actions being taken against your company, for which will be seeking {$1000.00} per violation for : 1.Defamation of Character ( per se ) 2.Negligent Enablement of identity fraud 3.Fair debt collection practices act 15 USC1692g violations 4.fair reporting act 15USC 1681 violations for willful noncompliance- 616. Civil liability for willful noncompliance 15USC 1681n Best regards, XXXX XXXX
Consumer complaint received 2024-03-22
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)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these items. 
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 XXXX
Consumer complaint received 2021-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Commonwealth Financial Systems, Inc. (IL)

Commonwealth financial is continuing to harass consumers violating public law title X, 124 stat 2092 section 810 reporting multiple debts that is already reported on my credit from another creditor. Section 808 unfair practice by continuing to contact the consumer after the consumer informed this company that a creditor is already reporting the debt. Violating section 807 of the act by false misrepresenting themselves as the debt collector of a debt that is already reported to ones credit file and reporting false credit debt to credit bureaus as a means to harass consumers. Why isn't the ftc going after this company. This company has over 100 complaints with XXXX and ftc.
Consumer complaint received 2021-03-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (FL)

I started disputing this company since XXXX of 2020 and this alleged debt has been affecting my credit. The debt collector hasn't provided proof that alleged debt belongs to me. This is affecting my ability to get a new home. I don't know why I'm being treated like this.
Consumer complaint received 2021-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I had a 100 % rating Got notice I was 1 day late on kohls Bal of {$15.00}. I had a critical parent out of state I forgot. But it shows 14 delinquent that can not be afraid someone might be using my info.Yhis is extremely upsetting to me. Even in XXXX when filing chapter XXXX had XXXX paid on time. Not sure what to do
Consumer complaint received 2021-03-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (NY)

My credit cards was charged for more than {$8000.00} transaction from XXXX " XXXX '' website and that is fraud. I do not purchase anything from XXXX. I contacted the chase immediately and report the fraud to them. However, two weeks later, chase still charges me {$8000.00} for the purchase from XXXX. That is ridiculous as I do not purchase anything.
Consumer complaint received 2021-03-20
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (CA)

Best Buy ( Citibank ) closed my store charge card without notice to me. This prompted a drastic drop in my credit score. I called their customer service line to find out why the account had been closed where there were no disputes, unpaid charges, or other problems. I was informed that my card had been closed only because I had not used it in more than 24 months. I requested that the card be reopened, so that the history associated with it be restored to my credit bureau files. They refused and told me I would have to apply for a new account at a Best Buy store. This is unacceptable!!! I was NEVER GIVEN NOTICE that the card would be closed if I didn't use it for a certain period of time. I have had numerous other credit cards for years without using them and not had this problem. It is inappropriate and unacceptable for a creditor to unilaterally close a consumer credit account without notice to the cardholder, especially during a national emergency like the pandemic, when we are all struggling to maintain our finances. All I want is to have the card reopened under the same number as before.
Consumer complaint received 2021-03-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2021-03-21
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (NY)

Have sent forbearance a ton of times and they keep saying they never got it or it was missing one thing or another. Since it was a spousal loan they need my ex husbands too. This last time they have been made aware that I am in school and I sent over my husband deferral form 4 times and as of today they still do not acknowledge it and refuse to help. I do not currently have funds to pay the cosolidation loan and ex husband doesnt work or wont pay it. I am sick of being ignored and them refusing to help in any way
Consumer complaint received 2021-03-21
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc. (CA)

Description of Complaint : The initial issue stemmed from a chargeback on a crypto purchase. When I became aware of the issue, I made a deposit of 5 times the amount of the {$100.00} chargeback. I have submitted over 15 support tickets in the past month with ZERO response to rectify my inability to trade. Binance has denied me access to over {$17000.00} in cash and crypto assets for over a month which is unacceptable. I have missed out on numerous opportunities to make trades that would have benefitted my family financially. I have fulfilled all actions on my behalf to resolve the chargeback, such as depositing more than 5 times the amount of the initial chargeback. Binance immediately deducted the amount of the chargeback from my deposit, but NEVER restored trading ( buying and selling ) functionality to my account. The deposit for chargeback resolution was made on XX/XX/XXXX, which is over a month with no trading ability. Bad business practices from financial institutions are unacceptable and create consumer distrust in the marketplace. 

Binance written policy which has been violated states as follows : How to restore access : To regain access to your account, please check your deposit history and email for any chargeback notifications. If you have received one, we'll need you to settle the dispute by making a new deposit and return the appropriate amount here. I've repaid the negative balance on my account. What happens next? Contact our customer service team here. We'll verify your transaction, and your trading and withdrawal ability should be restored within seven days. 

Desired Settlement : I would like my trading functionality restored immediately, as well as a formal apology for the gross negligence of service which has caused me financial harm
Consumer complaint received 2021-03-21
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: TRANSWORLD SYSTEMS INC (PA)

I have 2 private student loans totaling {$100000.00}. These loans have been in deferment from XX/XX/XXXX to XX/XX/XXXX. During the deferment period, no interest is supposed to accrue, therefore no interest should start accruing until XX/XX/XXXX. This is stated in the loans ' Master Promissory Notes as well as specified verbatim in the loan servicer 's ( University Accounting Service , LLC ) deferment confirmation letters. However, interest has been accruing on a daily basis. When I call, they will acknowledge the mistake and remove the interest only for interest to continue accruing on the next day. Interest continues to accrue on a daily basis necessitating me to call multiple time for them to fix the issue. The issue has not been fixed. Interest on these 2 loans continues to accrue while in deferment.
Consumer complaint received 2022-11-14
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. (CA)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Under Section XXXX, restrictions on investigative consumer reports [ XXXX U.S.C. XXXX ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. I need the XXXX XXXX now! 

XXXX XXXXXXXX
Consumer complaint received 2021-03-21
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: CREDIT ACCEPTANCE CORPORATION (PA)

On XX/XX/2021 I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.
Consumer complaint received 2021-03-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (CA)

On XX/XX/XXXX I contacted my mortgage company, BSI financial regarding my supplemental taxes. I was told that since there was enough money in my escrow account, they would be able to pay them on my behalf through my escrow account. I was asked to email a copy ( attached ) of the tax bill to the company and told that they would be able to pay it by the due date of XX/XX/XXXX since the process only takes 3-5 business days. The supplemental taxes were not paid on time. I then contacted BSI financial and was told their accounting department did have the request, they were working on it and any fees related to the payment being late would be covered by them since it was there error. I then followed up with the company every 2 weeks to follow up on the payment being issued. I was always told that they have the request, they are working on it and they will cover the late fees. I was also told several times that agent XXXX XXXX XXXX would call me back, or a supervisor would return my call regarding the status and no one ever called me. On XX/XX/XXXX the company did a escrow analysis and issued a check to me for {$7600.00} instead of paying the supplemental taxes. I called and spoke with an agent XXXX XXXX XXXX who said that the company was not responsible for paying supplemental taxes and there wasnt enough money in my account to issue the payments. I explained that there was enough money in the account before they conducted the escrow analysis and issued me a refund. She stated she would speak with the tax department and get back to me. She never returned my call. I then spoke with a supervisor XXXX XXXX XXXX who told me the issue would be fixed and they would cancel the analysis check, pay the supplemental taxes and pay the fees. On XX/XX/XXXX the company paid the supplemental taxes and fees using money from my escrow account. Despite the fact that every agent I spoke with told me the company would pay for the late fees since it was their error. I have also received a letter stating they are reducing my mortgage payment to account for excess escrow funds. This is wrong. My mortgage payment was the correct amount to pay the taxes after they are reassessed from the purchase of the home. It is unclear to me why BSI financial does not understand that the taxes were reassessed and are higher. This company has completely messed up my escrow account at this point and no representative or supervisor is able to assist me.
Consumer complaint received 2021-03-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. BANCORP (FL)

Ive called multiple times trying to get information on this particular account thats being said its mine, which isnt mine, not sure why, the company has told me multiple times they have no information about me having a credit card with them or ever having one
Consumer complaint received 2021-03-21
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. (GA)

On XX/XX/2021, over 45 days ago I requested that bureaus provide written proof of verification of negative items showing on my credit reports. To this day I have not been notified of any verification paperwork through mail or online. It seems that they are ignoring my requests by continually disregarding my communication efforts. I am at my wits end in trying to move on and with these errors and get them off my report as no one seems to care enough to respond to my complaints. I have contacted the businesses that are on my report and they explain to me that it is out of their hands and falls on the bureaus. I do not know how these items are appearing on my report but according to the FCRA, if they are inaccurate or unverifiable, they must be removed. I have been sending letters back and fourth to the bureaus stating this to get this situation rectified. Still, no response. I do not know what else to do as I feel I being forced to move forward with legal proceedings for the violations of my consumer rights. 

If they can not provide proof ( written contract with my signature that includes dates of late payments, when negative items happen ), I would like for these items to be removed, as it continues to negatively impact my ability to obtain employment, financial mobility, and my overall emotional state.