davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-09
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (MA)

The day Lowes finished building my porch XX/XX/2019 I knew it wouldnt pass inspection, the wrong materials were used as well as inferior ones, also six steps were built instead of seven, so I refused to sign work completed form but Lowes charged my account without my authorization the porch is still flunked by building department I fought with Lowes to get XXXX of the XXXX they charged I was told by them I would be in for a long hard fight to get anymore and they are true to their word I cant even get an estimate from anyone to repair as no one wants to repair anothers job that was flunked by inspector
Consumer complaint received 2024-02-26
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. (FL)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding an account on my credit report that is being inaccurately reported by XXXX XXXX XXXX. The account in question is listed as a closed account, marked as a charge-off/in collections, despite being paid in full and in good standing. This erroneous reporting has been negatively impacting my credit since XX/XX/XXXX, despite the account being closed since XX/XX/XXXX. 

I have taken the necessary steps to rectify this issue by contacting both the credit bureaus and XXXX XXXX XXXX directly. Despite my efforts, the inaccurate information persists on my credit report, unfairly tarnishing my credit history. 

I would like to emphasize that the account in question was settled in full and was never in collections. It is unacceptable for XXXX XXXX XXXX to continue reporting this misinformation, especially given the significant impact it has on my financial reputation. 

I urge the Consumer Financial Protection Bureau to investigate this matter promptly and take appropriate action to ensure that XXXX XXXX XXXX updates my credit report to reflect the accurate status of the account. Additionally, I request that any negative marks associated with this account be removed from my credit history, as they are unjust and unwarranted. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take the necessary steps to resolve this issue and prevent similar occurrences in the future.
Consumer complaint received 2020-08-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (FL)

On XX/XX/XXXX, I noticed authorized transactions being withdrawn from my account via XXXX XXXX and XXXX XXXX totally {$990.00} and I immediately called Navy Federal to file a claim. The the Navy Federal rep said I had to wait for the transactions to go from pending to posted before I could file a claim and once the claim was filed " provisional funds '' would be returned to my account while an investigation was launched. 

I waited for the charges to be posted and then I filled out the form sent to me via email on XX/XX/XXXX. Days went by and I had not seen the " provisional funds '' nor had I heard from Navy Federal regarding the investigation. I placed a call on XX/XX/XXXX to Navy Federal and was told because the transactions looked like I  authorized the transactions in question, they were unable to reimburse me. They recommended that I contact XXXX XXXX and XXXX XXXX. They also said I had the option to appeal their decision. 

The same day I contacted both XXXX XXXX via phone and XXXX XXXX via email ( attached ). XXXX XXXX XXXX said they were unable to refund me the money because it came directly from Navy Federal. XXXX XXXX said that because the transactions were completed that they were also unable to refund me my money. 

On this same day I texted and called the number that was attached to the transactions that were sent through XXXX XXXX and the number was disable. I texted and called the number again on XXXX XXXX and still no reply Transactions total:XXXX 2 transactions from XXXX XXXX : {$140.00} and {$200.00} 3 transactions from XXXX XXXX : {$200.00}, {$200.00}, and {$250.00} I never authorized these charges and those funds were for me to return back to school on XX/XX/XXXX. It is horrible that Navy Federal is not willing to reimburse me when all they have to do is re-examine my past transactions and they will see that I have NEVER made transactions in this amount to XXXX XXXX or XXXX XXXX. My father is a retired vet and we have used Navy Federal for years and they way they have treated me as if I am a criminal and worse a liar is disheartening. All I want is my money back and I will open an account elsewhere. I have attached all the information I have regarding this transaction and will also be filing a police report.
Consumer complaint received 2020-06-17
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (MO)

The debt was original owed in XXXX. If this company was following the church status of limitation law the debt would be unable to be collected on as of this year however Enhanced recovery company has removed and put it back on my credit report several times as a new debt the most recent showing opened XX/XX/XXXX for a balance of over {$2800.00}. The originally balance was less than {$1500.00} on cell phone equipment and a bill. I have never recieved company showing valuation of the debt nor the difference of the increase of the debt they now at that i owe.
Consumer complaint received 2020-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION (FL)

I have a mortgage with Suntrust Mortgage. In XXXX my payment went up {$1000.00} and i called them and was not late on payments or anything just {$1000.00} more was way to much for me to afford advised that is to much that i can not pay XXXX more so they did a Morgt modification. and advised that starting XXXX i would need to pay {$1900.00} for three months then it would stay at the amount. I payed every month on time even XXXX the same amount. Unfortunately, on XX/XX/XXXX I got into a bad accident and my car was totaled. I started to look for a car and went through a dealer and applied for financing. The guy calls me and said my credit is low and why i have not paid my mortgage since XXXX. He told me without me telling him anything about modification and i ask where did he see that and said its on my credit and why my credit is so low. I told him that I never was late since XXXX and that they are doing a modification but never was i told it would affect my credit. He told me i needed a letter or something because that is bad. I pulled my own credit and indeed it said i was delinquent {$15000.00} even though i was doing modification and been paid on time ever since. I called Suntrust and i got the run around and mortgage department said my credit should have not been affected because i have a forbearance. I told them it does not show anything of forbearance and clearly says i am delinquent since XXXX in the amount of {$15000.00}. I kept getting the run around without being helped nor was getting a letter. They went to supervisor and same run around was given. They then transferred me to Suntrust Credit department in suntrust and that was a waste of time. They said they could not do anything even though i was not told credit was going to be affected nor they wanted to help me. Very disappointed because in a time of everything with the Coronavirus and in addition getting into a major accident they could not help me and pretty much hung up on me to get me off the phone because did not want to help me. Now I need to get a car because my car is now totaled and because of the Mortg reporting that it is delinquent since XX/XX/2020 in the amount of {$15000.00} even though I have adhered to everything they said and never was late with the payments as said in credit report i can get a car. I'm so disappointed and with coronavirus issues, this accident i am very distraught and please need your help to clear my credit to not reflect late since XXXX when i really was not. Please help, really need your help. Thank you in advance for all your help. Stay safe. Regards, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-29
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: Bread Financial Holdings, Inc. (GA)

In accordance with the Fair credit and reporting act this creditor has violated my rights under 15 usc 1681 section 602 states i have the right to privacy. 15 usc 1681 section 604 a section 2 states a consumer reporting agency can not " FURNISH '' an account without my written instructions. Under 15usc 1666b a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-02-26
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. (AL)

I started a dispute last week due to incorrect information on my credit report. I was denied multiple loans so after research it was discovered my credit was merged with another person. I received emails telling me my dispute is complete. The email tells me to click a link to view results. This takes me to sign in. Sign in and it then says results are not available online. It gives me a phone number to call with available hours. I have been on the phone with them for hours at the given phone number, and no one has been able to help me. They keep sending me to different departments, over and over. Dispute department, merge department, and online. They all say they can't help. My life has been completely upended due to Experion.
Consumer complaint received 2020-08-09
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (NM)

Every time I was having difficulties making payments to this creditor I always communicated my issue and submitted the paperwork required for forbearance or deferment of payments for a period set by the creditor based off my circumstances. While this was often reflected on my credit report, there were few situations where the forbearance was not reported to the credit bureaus and instead was left on my credit report as 30, 60, 90,120 day lates or missed payments. 

I began submitting Disputes with all three credit reporting agencies on every quarter beginning XX/XX/XXXX. 

I employed a credit repair company in XXXX, at great expense, that also conducted credit disputes with all three credit reporting agencies regarding this account on my behalf ( Submitted on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. ) I wrote goodwill letters to the company Account Manager ( POC ),  Regional manager and CEO requesting the changes be made to my payment history in good faith as I was paying what I could, whenever I could. As a returning XXXX  Veteran of the XXXX XXXX, with the injuries ( physical and psychological ) I sustained during XXXX XXXX XXXX ( XXXX ), I had difficulties in finding gainful employment the first few years after my return to civilian life which made fulfilling my student loan obligations impossible under the circumstances The company then changed internal policy to allow for issuance of post marked forbearance on accounts going back to XXXX of XXXX. I applied for the application of this policy regarding my missed payments and was told that my lates were ineligible because my late/missed payment were too early in XXXX, they were reported before XXXX of XXXX, the limit of where the post dated deferment would apply. 

I PAID IN FULL and closed the account last year under the condition that once the account was paid off that the past disputes I submitted would be addressed and the lates would be removed from my credit report. 

Now that the the account is closed and PAID IN FULL, I no longer have access to the digital correspondence between the company representatives and myself or the confirmation letters of forbearance/deferrment that were provided to make the requested adjustment to my payment history
Consumer complaint received 2020-08-09
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: Southwest Credit Systems, L.P. (VA)

I received a letter on XXXX XXXX. This is the first time I've been contacted by Southwest Credit. I supposedly owe XXXX to a cable company. I have never had an account with the stated creditor. I looked at my credit report and the supposed time of service for this entry was when I was under XXXXhad never had any type of cable or wifi service. I tried contacting Southwest Credit and they said there was nothing they could do and directed me to the creditor. After multiple calls to the creditor, the creditor has no account under the account number from Southwest 's letter, my name, or social security number so I can't even verify the information using the original creditor. As I was a minor, I do not have the proper materials to file a dispute ( no utilities, no lease, etc. ). I have no idea how this is under my name or credit report when the company has nothing with my name or social security number.
Consumer complaint received 2020-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TFS FINANCIAL CORPORATION (OH)

Copy of email of issues, sent to ThirdFederal Savings and Loan about Mortgage Credit Reporting under Covid-19 and it's Forbearance customers : To whom it may concern, my account is XXXX, In the beginning of the forbearance, as seen in my email below, dated XX/XX/2020. I specifically asked about the process with no penalty. 
It has come to my attention that you have posted remarks on my credit report saying " affected by the Natural Disaster '' with zero payment, and no payments for several months ( see images below ), which is a subtle but direct way of reporting a negative to my credit report as not payment to others : mtg reportXX/XX/XXXXXXXX ( see attached ) mtg report-XXXX  ( see attached ) This action by Third Federal is a violation of the CARES ACT. I demand that these remarks and non payments for several months be corrected immediately, to avoid legal action potentially class action. Your actions have caused me injury to my financing activities because you have used a tricky way of reporting me behind on my mortgage. When this is not the case under the CARES ACT. 

Additionally, if Third Federal was going to report these negative remarks and gap in payments, which by law it can not, it should have explicitly explained this to its customers so they would have full disclosure. 

The law states, according to : XXXX XXXX XXXX  " New Credit Reporting Rights Under the CARES Act If a consumer is able to obtain a covered accommodation, the CARES Act offers the following protections : If the consumer was current on an obligation at the time of an accommodation approval, the account must be reported to CRAs as current if the consumer is complying with the accommodation agreement. 15 U.S.C. 1681s-2 ( a ) ( 1 ( F ) ( ii ) ( I ). 

These basic CARES Act rights translate into the following technical implementation, as guided by the standardized Metro 2 format developed by the Consumer Data Industry Association. This Metro 2 format is explained at NCLCs Fair Credit Reporting 6.3.2.

When a creditor reports accounts as current, the Metro 2 reporting format includes both a payment history field and an account status field. If the CARES Act requires the account to be reported as current, one would assume that both fields should be reported as current, i.e., the payment history field should be reported as not being past due while the account status field should be reported as current. See NCLCs Fair Credit Reporting 6.3.3.3.4. ''
Consumer complaint received 2023-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX AV XXXX XXXX, PA XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-10-08
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. (TX)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items ( Transunion, XXXX and XXXX ) that are on report and all three are wrong. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 16811 ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2020-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (NJ)

On several occasion, I contacted TD BANK USA/Target Credit card about a credit card that was issued during a fraudulent transaction. During XXXX ( months of XXXX, XXXX, and XXXX ). This credit was open fraudulent and I never received a bill on the mail about this transactions. Anyhow, I ended paying the due amount. TD Bank USA/Target Credit agree on removing the negative payment history from my credit card. Yet, they did deleted from XXXX. But, it stills show on XXXX and XXXX. After several attempts with Target, the negative payment history still showing.
Consumer complaint received 2020-06-17
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. (LA)

My credit score dropped 24 points and the reason supplied was that my credit card usage increased. I filed a dispute on XX/XX/20 to dispute that my usage increased because every month the statement balance has been {$0.00}. My credit limit increased but not the usage which means my score should have increased. On XX/XX/20 I see that Transunion actually removed the account completely which made my score drop again.
Consumer complaint received 2020-08-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP (FL)

I purchased a vehicle from Honda and financed with Honda Financial Services on XX/XX/2020. I received my first bill ( Statement date XX/XX/2020 ) with a due date of XX/XX/2020. I was eager to sign up for online access. However, I could not even register my account as the site didn't recognize my email, Honda Account number or Honda ID. 
Every attempt to try and register my account at Hondafinancialservices.com was unsuccessful. Every attempt created an " error '' message until finally a message showed up that I had one more attempt before being locked out. I tried calling the " Customer Services '' line and have each week for the past eight weeks. Sometimes I wait over 48 minutes, sometimes over an hour. No one answers this line, ever. The recording loops and loops with no one that ever picks up. There is nowhere on their website for a " chat '' or to ask for any help. All the queries I have done to do this myself come back to the same website with the same XXXX number. ( XXXX ) I called the dealership to be told that they are a separate company and that they can't help me. I tried the warranty company to be told the same thing. I mailed my second check yesterday to Honda Financial Services as I have no way of managing my account via the internet. As I have no way of gaining access to my account online Honda Financial Services has put me in a position of great danger in that it will only take one check applied incorrectly by them or one check lost in the mail to ruin my credit. 

This is extremely serious as I have no way of checking that my payment is being applied to my account. They have the ability to ruin the good credit that I have carefully built and am proud of. As I no one else to turn to I plead for you to help me fix this with Honda Financial Services.
Consumer complaint received 2020-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

First of all, Transunion still reports a 30 month late on a vehicle I have paid off back in XX/XX/XXXX, still effects my score. I filled out an online dispute using their dispute page back in XX/XX/XXXX to get it cleared up. On my quick view report via XXXX, it still shows 1 late payment on my report and my score is almost 90 points lower than XXXX and XXXX. I called a few times to get this corrected and also get my free report this week XX/XX/XXXX at XXXX and XX/XX/XXXX at XXXX and each time I get hung up on. All I would like is to get this fixed because I would like to buy a home soon. 

Regards, XXXX