davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-14
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: SYNCHRONY FINANCIAL (FL)

Syncb / Car Care XXXX continuously report inaccurate information to the credit bureaus for a credit card that I am joint owner on. I have disputed this account with all three credit bureaus, and while two of the three bureaus deleted the account from my report, XXXX  continue to report this inaccurate  information. I disputed this account twice with XXXX, and they failed to do their due diligence to ensure the legitimacy of the information reported. They reported back that the information is accurate as report, but that is NOT true! 

According to XXXX  and Synchrony, 60 % of the payments were 30-59 days past due with the first past due payment being reported in XX/XX/XXXX. The account was opened in XX/XX/XXXX. The card was charged in XX/XX/XXXX. The first bill was due in XX/XX/XXXX. Someone please explain to me how the account could be 30-59 days past due on the first bill? 

Below is a payment history the life of the card ( bank statements verification available upon request ) : XX/XX/XXXX : {$280.00} XX/XX/XXXX : {$230.00} XX/XX/XXXX : {$230.00} XX/XX/XXXX : {$440.00} XX/XX/XXXX : {$240.00} XX/XX/XXXX : {$300.00} XX/XX/XXXX : {$200.00} XX/XX/XXXX : {$500.00} XX/XX/XXXX : {$200.00} As you can see, regular monthly payments have been made since this account was opened ; however, XXXX  shows the account was 30-59 days delinquent in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Likewise, as of today, XX/XX/XXXX, Transunion shows the account is currently 30 days past due. Needless to say, that is inaccurate! 

The joint owner on the card called Synchrony repeatedly for failure to apply payments to the account. When this first came to my attention the account was reporting to the credit bureaus as being over 90 days delinquent. After calling the company, it was discovered they were not applying the payments correctly, although the funds were being drafted from our bank account. 

Both XXXX  and Syncb/XXXX  are providing false information that is having a negative impact to my credit score. I have tried to resolve this with both Synchrony and XXXX  but have not gotten anywhere with either company. The joint owner on this account was successful with getting the account updated with XXXX ; however, they refuse to update mine. This is unacceptable!
Consumer complaint received 2023-01-06
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: TD BANK US HOLDING COMPANY (MN)

In accordance with the fair credit Reporting act XXXX 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 an 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 purpose TARGET XXXX LATE PAYMENT XXXX XXXX XXXX
Consumer complaint received 2023-05-27
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. (MA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXXXXXX XXXX Balance : {$2000.00}, XXXX XXXXXXXX Balance : {$5100.00}XXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$15000.00}, XXXX XXXX XXXX XXXX XXXX : {$24000.00}
Consumer complaint received 2020-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

There is a fraudulent Capital One credit card that still appears on my account. I repeatedly told Capital One that this credit card is not mine and fraudulent charges were made to it. Capital One did nothing, absolutely nothing, to help me. THIS FALSELY ALLEGED DEBT IS OVER SEVEN YEARS OLD AND MUST BY LAW BE REMOVED FROM MY CREDIT REPORT. I DEMAND ITS IMMEDIATE REMOVAL FROM ALL OF MY CREDIT REPORTS ASAP. I will never work with Capital One again and will warn all others to stay away from this predatory lender. I will tell my story to everyone to discourage them from getting any financing or banking with Capital One.
Consumer complaint received 2023-07-13
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. (NJ)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2020-08-04
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 (VA)

Target Corporation, after repeated attempts have failed to follow through on removing a 'charge off ' from my credit bureau reporting from XXXX   after the 2 year expiration date of reporting. 

I have repeatedly escalated this issue with both Target and XXXX, both personally, and with XXXX XXXX legal counsel. 

XXXX is the only credit bureau reporting this charge off data incorrectly. It has corrupted my XXXX score by nearly 100 points. I have otherwise excellent credit. 

XXXX  has responded to me in a disreputable manner, and they need to fix this erroneous reporting immediately. 

NOTE : Both Target and XXXX repeatedly state the dispute is wrong, and their records are correct. This is unconscionable.
Consumer complaint received 2020-04-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Finance of America Holdings LLC (IL)

Hello I applied to refinance my home on XX/XX/XXXX with Finance of America. 
I have all the emails to provide showing all documents being requested from me that I provided and correspondence back and forth confirming closing set for XX/XX/XXXX which was today. 
My appraisal came back worth {$420000.00} I owe XXXX so I was refinancing and including all debts to consolidate for a total loan value of XXXX. 
I have gone back and forth with them acting as Im approved then would get hit from underwriting over and over. 
I will provide all communications reflecting the issues I would like to get help with this.
Consumer complaint received 2023-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I've contacted XXXX  XXXX XXXX & they told me I've never missed a payment, yet Experian refuses to remove me from being listed as late on XX/XX/20 on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Experians job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-03-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

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. 
The accounts below have violated my rights. 
15 U.S.C 1681 section 602A. 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 ) ( a ) 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. 
I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA 623. If credit bureau have no proof inmediately of any, I would like it removed inmediately from my credit report. Please remove any information the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ) credit bureau must complete this reinvestigation within 30 days of receipt of this letter. 

The following inquiries need to be removed inmediately. 
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 2023-01-06
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. (NY)

This is my 2nd time that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. I found that under section 605b ( a ) Equifax and XXXX shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 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.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) This account is unknown to me. Also, the information you provided on some account are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 

XXXX XXXX XXXX XXXX Open Date : XXXX XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2020-04-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc (CA)

On XX/XX/2020 There was a unaurothroized transaction on my paypal account in the amount of {$10.00}. 
Paypal allowed this transaction without my Arthurization. 

I called paypal to dispute the charge. 
Paypal gave me provisional credit then took my {$10.00} back. 

I then requested for paypal to send me another paypal business debit card on XX/XX/2020. 

Paypal said they have sent the card by mail of which I have not received yet and paypal has been lying to be about mailing out my paypal business debit card. 

This month XXXX Paypal sends me a email stating that they need to verify my home address of which my home address has been verified since XX/XX/2020. 

I have money in my paypal account and paypal will not release my money to be by check nor let me add my new bank account on their website. 

Paypal has locked my money away from me and I am severely upset with paypal.
Consumer complaint received 2023-01-06
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: EQUIFAX, INC. (FL)

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 2020-08-04
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. (AR)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXX {$5200.00} XXXX   XXXX {$2700.00} XXXX XXXX XXXX XXXX {$910.00}
Consumer complaint received 2023-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

The credit card company is stating I made a late payment and that is not the case. There were two months in 2018 when my payments were returned by them and I had made the payments with a new bank account. They said they didn't receive but the monies showed withdrawn from my checking account and were scheduled automatic payments.
Consumer complaint received 2020-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

On or about XX/XX/XXXX, I received an e-mail from TransUnion stating my credit monitoring product, that I have had with TransUnion for almost 15 years, had been cancelled. I immediately phoned TransUnion and told them that there must have been some mistake because I NEVER cancelled my product and my payment method was still valid. The TU representative told me there was nothing that could be done and I would have to subscribe again when the credit monitoring actually cancelled effective on my XX/XX/XXXX billing date. Upon re-subscription, I was told, my new price would be {$29.00} and not the {$14.00} I currently paid. 

On XX/XX/XXXX I again phoned TU and spoke to a manager. I was told there was nothing they could do to reverse the erroneous  cancellation. I would have to re-subscribe at the then current rate which would likely be much higher as I would be considered a new subscriber and not grandfathered into my old rate for long-time customers. 

After my product was actually cancelled on XX/XX/XXXX and until today I have tried to re-subscribe and TU refuses to allow me to subscribe to their credit monitoring product. I continually get asked for a " Gift Card Code '' which does not and has never existed. Without a gift card code, the system will not let my subscription application process. 

I have since tried to reach TU by telephone, but no matter what time I call they have a recording stating that their offices and customer service is closed.
Consumer complaint received 2023-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AZ)

The credit card company is stating I made a late payment and that is not the case. There were two months in 2018 when my payments were returned by them and I had made the payments with a new bank account. They said they didn't receive but the monies showed withdrawn from my checking account and were scheduled automatic payments.
Consumer complaint received 2023-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

The credit card company is stating I made a late payment and that is not the case. There were two months in 2018 when my payments were returned by them and I had made the payments with a new bank account. They said they didn't receive but the monies showed withdrawn from my checking account and were scheduled automatic payments.
Consumer complaint received 2020-08-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Utilizing a offer by Bank of America to consolidate bills which is using checks that are offered with a 0 % interest or a 1.99 % for a term of time to payoff those amounts acquired by the due date. What is taking place is Bank of America is applying payments to which ever debt they choose, not the debt that would be in the order it was acquired. I now have a debt that is due in XX/XX/2020, that is a substantial amount that is not being credited by payments being sent in, but debts of later dates that are being credited first. As of XXXX the interest on this amount goes from 1.99 % to 22.99 %, again later debts have been credited first. In XX/XX/XXXX, you can see that a payment total of {$2500.00} was made, but only {$1400.00} was applied to the account, not in any order of debt acquired. In XX/XX/2020, an amount of {$1900.00} was credited to my debts, but only {$1300.00} including the credit from the month before was applied.And iit goes on.
Consumer complaint received 2020-06-13
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ECMC GROUP, INC. (TX)

This complaint is in reference to XXXX XXXX XXXX XXXX, and the company they represent, Educational Credit Management Corporation. On XX/XX/2020 I pulled a copy of my credit report to find that there is an additional balance for the same account yet only one balance listed on the statement I received in the mail. I also noticed that the account has an opening date listed with XXXX  and XXXX  but missing an opening date for XXXX  and showing the account as closed. I contacted the debt collectors ( XXXX XXXX XXXX XXXX ) and requested proof of validation on the account. I also asked that all collection efforts cease and desist. In return I received a copy of an itemized list of the same information that I disputed and a copy of a promissory note from Educational Credit Management Corporation. In review of the itemized list I noticed that there was a difference in the total balance and interest balance listed. On the statement dated XX/XX/2020 XXXX part of the list showed the interest balance as {$580.00} and the other part of the statement showed the interest balance as {$700.00}. The statement also showed one part of the total balance as {$8100.00} and the other part as {$8300.00}. I then contacted XXXX XXXX XXXX XXXX requesting more proof of validation and I did not receive a response within the 30-day validation period. I made a final attempt at obtaining sufficient proof of validation on the account but was unsuccessful. I also requested that the inaccurate, misleading, invalidated account is removed but received no response to that request as well.