davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-14
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. (GA)

Transunion has reinserted a previously deleted debt to my credit report without providing the required five days notice. National recovery agency was deleted from my file in XX/XX/XXXX and was reinserted without notIce on XXXX XXXX 2017. They are in direct violation of the FCRA
Consumer complaint received 2022-05-28
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the XXXX data breach and may have got into the hands of the wrong person ....
Consumer complaint received 2022-05-28
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the EQUIFAX data breach and may have got into the hands of the wrong person ....
Consumer complaint received 2022-05-28
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: SYNCHRONY FINANCIAL (OK)

I've submitted multiple complaints on why I believe it is unfair for my credit to be reporting late payments during a hard time. I dealt with XXXX last year into the beginning of this year and it caused me a lot of issues including lose of work and falling behind on payments. I've recovered since then and i have gotten back on track with certain accounts. With XXXX XXXX everything is current and the account is closed. These negative items or impacting my ability to obtain a credit score to buy a new home and I think its unreasonable for my family.
Consumer complaint received 2022-05-28
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the XXXX data breach and may have got into the hands of the wrong person ....
Consumer complaint received 2022-12-19
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. (FL)

I submitted a letter to the XXXX Credit Bureaus to correct this suspicious information. 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. This was already included in my prior COMPLAINT #, and I'm including it again. Please correct or discard the following inaccurate accounts that are harming my credit : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A XXXX XXXX XXXX
Consumer complaint received 2024-04-02
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (NJ)

On XX/XX/XXXX & XX/XX/XXXX, I placed two orders through XXXX, XXXX XXXXXXXX XXXX XXXX XXXX & a XXXXXXXX XXXX XXXX XXXX XXXX XXXX, that I did not receive. According to XXXX, both orders were delivered on XX/XX/XXXX. As per the drivers notes, the packages were handed directly to a receptionist or someone at a front desk. Signed by : XXXX, however this information is false. My address is a private home not a business & I never signed for these packages. I contacted XXXX 3 times ; during the first and second conversation, the rep offered a full refund that was never credited ( I even got a confirmation email of such refund, but it was never credited to my account ). During my last conversation with XXXX, the rep stated that according to their investigation, the packages were delivered & because of this they would not process any refunds or replace the items. I asked the rep to provide me the proof on which this decision was made & he simply said that the packages were signed for- I understand they were signed for & also delivered somewhere, but it was not delivered to my home address. XXXX also suggested that I file a police report for stolen items ; I attempted to do this, but when I explained this to my local police dept, they stated this is not a case of a stolen packages that it was more of a delivery delivered to the wrong address. As of today, I am out of the money I spent on these items, {$110.00} & {$160.00}, and XXXX does not want to replace them. The driver must have stolen the packages or delivered them to the wrong place. The driver lied about me signing for them ( I forgot to mention, signature was required at the time of delivery for both packages ). Order XXXX XXXXXXXX Order XXXX XXXXXXXX. 
Moreover, I filed a transaction dispute with my Apple credit card company and they have denied the case twice because they are siding with XXXX. I requested for the proof and after reviewing the proof XXXX provided, it is clear that they have no real evidence of the packages being delivered to my house. XXXX provided my credit card company the same information I had given them when I initiated the transaction dispute, so it is unclear to be what kind of investigation took place. I am in disbelief as to how my credit card company is taking the side of a company thats clearly providing false information on customers ( Needless to say, I am no longer a member of XXXX ).
Consumer complaint received 2023-03-10
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. (FL)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing in regards to the charges and collections listed on my credit report. I dispute the accuracy of the information provided by the credit reporting agencies and request that these items be removed immediately. 
XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX Collection Account XXXX XXXX XXXX Account XXXX XXXX XXXX Collection Account XXXX XXXX XXXX XXXX Account XXXX XXXX Charge Off Account XXXX XXXXXXXX Charge Off Account XXXX XXXX Charge Off Account XXXX  XXXX Charge Off Account XXXXXXXX XXXX XXXX Charge Off Account XXXX XXXX XXXXXXXX XXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXX XXXXXXXX Charge Off Account XXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXX Charge Off Account I am emotionally distressed by the presence of these negative marks on my credit report. They are affecting my ability to secure loans, housing, and employment opportunities. The Fair Credit Reporting Act requires that information on my credit report be accurate, and I believe that the charges and collections listed are not. 

I request that you provide me with evidence that these charges and collections are accurate, including documentation of my alleged agreement to the terms of the loans and credit lines in question. I also request that you provide me with information on the companies that have provided information to the credit bureaus, as required by law. 

Under the Fair Credit Reporting Act, I have the right to dispute any information on my credit report that I believe to be inaccurate. I expect that you will take prompt action to investigate and remove the disputed items from my credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-05-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

On Friday, XX/XX/XXXX, Bank of America processed several of my bill-pay checks which were dated to be processed on Monday, XX/XX/XXXX. Bank of America processed the payments 3 days earlier than they were supposed to be processed and prior to my paycheck hitting my account to cover the bill-pay checks. In doing so, Bank of America caused me to incur overdraft fees of {$390.00}, which they deducted from my Bank of America credit card as part of overdraft protection. I called Bank of America and informed them that they cashed my bill pay checks, which were dated for XX/XX/XXXX, three days early. I informed them that I wanted the overdraft protection amount refunded back to my credit card and any overdraft charges reversed since they did not honor the date of the bill pay checks but instead cashed the checks 3 days early. Bank of America stated they wouldn't be able to honor my request. They had no explanation for why XXXX XXXX checks dated XX/XX/XXXX would be presented for payment on XX/XX/XXXX. I've used XXXX XXXX for many years and this is not how it is supposed to work.
Consumer complaint received 2024-04-01
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: U.S. BANCORP (NC)

On XX/XX/year>, I applied for 2 U.S. Bank Business credit cards. REF : XXXX and REF : XXXX. On XX/XX/year>, I received letters in the mail notifying me that my applications have been denied and the reason given is : We have reasons to believe the account will be used for fraud. I've credit score of XXXX. I currently have a business credit card open with this bank and a checking account. I had 2 other business credit cards in the past with this bank that I closed. None of my accounts has any fraudulent activity. I never disputed a single transaction with this bank. I'm confused where this allegation is coming from. All my transactions are either with XXXX or local vendors. If U.S. Bank believes I'm using my accounts for fraud, they should close them immediately. I already called their customer authentication department to verify that I'm the one who applied for the credit cards and that the applications aren't fraudulent.
Consumer complaint received 2024-06-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (OH)

I went to a friend 's house & it had been a very long day & I left in the XXXX & went home. Not realizing until after I got home & laid the XXXX down to sleep, I left/forgot my phone at her house. So I had someone come sit with the XXXX & I went back to get my phone. I got my phone finally & got back home only to realize I had a cashapp notification stating I transferred {$3900.00} to another cashapp customer! BUT I DID NOT & I sure didn't authorize anyone to do such a thing. So I rushed & contacted cashapp & filed a dispute/reported the unauthorized transfer. They refused to help, although they filed the dispute. The dispute was denied over & over & over & even after contacting XXXX XXXX, XXXX of cashapp to let him know what happened, I was contacted by an agent in the dispute department ALTHOUGH DENIED AGAIN! I'm out {$3900.00} & that's all the money I had to my name. I have XXXXXXXX XXXX  to take care of & it has deeply impacted my life.
Consumer complaint received 2019-11-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

I would like all of my unauthorized Inquiries, my derogatory remarks, late payments public records and student loan accounts removed. Many of these account lack addresses and account number so I am filling them as regular basic removals.

Please apply these laws to my accounts

the fair debt collection practices act law 111-203,title X 124 Stat. 2092(2010) fair credit reporting Act (FCRA) 15U.S.C 1681("FCRA")

please removed all this thing on my credit report.
Consumer complaint received 2022-01-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

I AM WRITING TO DELETE THE FOLLOWING INFORMATION N MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE
Consumer complaint received 2020-11-07
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: JPMORGAN CHASE & CO. (NC)

Ive 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 2022-01-24
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. (TX)

My credit score on XX/XX/2022 was XXXX. 
My credit score currently has been dropped by XXXX points to XXXX. 
Nothing material has changed on my credit report to cause this action. 
For example, due to COVID-19, all loans in forbearance, deferred to the end of the loan upon exiting forbearance, resuming regular payments, with all payments continuing to be current, under the CARES act should not cause this action as informed to me by the banks.

I have asked the company to restore my credit score back to XXXX. 
This is yet to be done.
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

Sending this complaint once more, I am presenting this to make sure that the items in this complaint were DELETED from my credit reports. I have sent a complaint dated XX/XX/XXXX, and I stated that I need these items removed from my credit reports. Today was no different, I am doing a follow up as to make sure that these harmful items will be removed from my credit reports. Requesting the Experian and XXXX Bureaus to please see these remaining items that needed to be removed : EXPERIAN : 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 2022-05-28
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: Exeter Finance, LLC. (SC)

In accordance with the Fair Credit Reporting act Exeter XXXX Account XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A states I have the rights 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 1668b A Creditor May not treat a payment on a credit card account under an open and consumer credit plan as late for any reason
Consumer complaint received 2022-05-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (PA)

The business failed to refund a credit balance for overpayment due to a glitch in its auto payment function for more than 30 days. As a result, I incurred {$54.00} in overdraft fees from my primary banking institution. I called the business multiple times, first on XX/XX/2022 to request a refund. After being told that a draft was being sent to me that day, one was supposedly sent on XX/XX/2022 ( seven days later ). After 30 days and multiple calls, I was told that a draft was never sent and the business would issue a credit to my account. During this timeframe, I incurred fees as a result of not receiving my refund timely.
Consumer complaint received 2023-05-23
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: CREDIT ACCEPTANCE CORPORATION (OH)

In accordance with the fair credit Reporting XXXXXXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

+ 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-12-19
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. (OR)

It appears that my credit file has been compromised. Again, I was going through my records & noticed account 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 & block any accounts or information which is found to be opened due to identity theft. The dispute account do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$18000.00}
Consumer complaint received 2017-07-14
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: Trident Asset Management, L.L.C. (MA)

I have contacted the company and they did nothing about it. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX - {$390.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX - {$1000.00} XX/XX/XXXX TRIDENT ASSET MANAGEMENT, LLC {$100.00}, {$260.00}, {$140.00}
Consumer complaint received 2017-07-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (OH)

We have made multiple large payments on our loans since 2016 and every single time we make a large payment - by phone - it gets messed up and split between all the loans rather than being put toward the principal of the loan as we told the person on the phone to do. We check the account a few days later and then have to call customer service again to get it altered which always takes another few days. Also, all of a sudden we are unable to make a large payment on just one of the loans because we have them all on the same statement. This was never an issue previously ( including just a few months ago ). I ca n't imagine your customer service employees enjoy working for such an awful company who just tries to swindle money from us every chance and dealing with upset customers all day when they ca n't do anything about it.
Consumer complaint received 2017-07-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GMA Investments, LLC (ID)

I get phone calls multiple times a week from Summit Recievables. They do n't know my name and they say they want to get information on a debt. My husband and I pay with cash except for our mortgage so I know I have no debt. I called them and asked that they put my number on their do not call list as I do not owe any debt. He asked for my name and I said you can see my number so look up my account associated with this number and you tell me who you are speaking with. He gave me a bunch of random names suggesting one was my husband and that he spoke to someone at this number last week. I told him that was n't my husbands name and he had n't spoken to anyone at my number. I asked him to put me on the do not call list as I had no debts to pay. The next week I got another call a female left a message. They never give a name. She told me she read a report on my account that put me in a negative light and that she wanted to give me a chance to defend myself before making her final report and recommendation. I did not respond. Then twice this week I have received messages saying it 's been some time since my last installment and it 's crucial I call and give them my information. I have never paid any money for debt collection and I do not know the people he said and told him they were not associated with my number. They keep leaving me a message to call XXXX.
Consumer complaint received 2020-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Conn's, Inc. (WA)

Conns XXXX XXXX continues to inaccurately report an account that was paid offf-settled in full as a charged off account owing a balance of {$2900.00} to XXXXThis has prevented me from finding a suitable home.