davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Early Warning Services, LLC (MO)

I HAVE SPOKEN WITH SERVERAL REPS FROM EARLY WARNING SERVICES ABOUT SENDING UPDATED INFORMATION TO COMPANIES THAT DENIED ME SERVICE BECAUSE OF THERE REPORT ... XXXX XXXX XXXX HAVE AGREED AND VERIFIED THAT MY ACCOUNT WAS N'T FRAUD AND I WOULD LIKE EARLY WARNING TO NOTIFY XXXX XXXX WITH A REMOVAL RECEIPT LETTER ... XXXX XXXX SAID EARLY WARNING NEEDS TO SEND THEM THE REMOVAL INFORMATION ... EWS IS SAYING I NEED TO MAIL THEM THE UPDATED INFORMATION THEY SENT ME AND XXXX XXXX IS GIVING OUT THE WRONG INFORMATION ... IM GETTING THE RUN AROUND FROM EWS I HAVE SPOKEN WITH THREE REPS THAT GAVE ME DIFFRENT INFORMATION. THEY SAID SINCE XXXX XXXX XXXX REMOVED IT THEY CA N'T SEND ANYTHING TO EWS.SO THIS IS MY DISPUTE WITH THEM NOW TO NOTIFY XXXX XXXX XXXX XXXX ON FRAUD
Consumer complaint received 2023-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion I thank you for applying updates to correct certain issues that I have called out. However there are still issues that remain. At this point I am requesting that you all delete the entire record for XXXX XXXX XXXX as you all keep having inaccuracies. You send me letters saying the account is verified and accurate, then I find and issue and you then update an issue, then somehow change something else in the report to appease the creditor who is clearly abusive and trying to extort me. The other Credit Reporting Companies have deleted this account. I expect you to comply with FCRA and do the same. There is nothing more for you to ask of them.Do not ask them to verify anything again. We have been back and fourth for 6 months and they keep giving you inaccurate information to keep hurting me. Your personnel must just delete the record promptly as in immediately. I have been hurt long enough. 
See the law below. It is invoked and should have been followed as the other Credit Reporting Companies did. Please delete now.

15 U.S.C. 1681i - U.S. Code - Unannotated Title 15. Commerce and Trade 1681i. Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information. -- ( A ) In general. -- If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2021-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Goal Structured Solutions, LLC (CA)

XXXX XXXX XXXX XXXX Correspondence : XXXX XXXX XXXX XXXX XXXX, SD XXXX This a long and involved issue that began in XX/XX/2018 with this merchant. I filed a Chapter XXXX Bankruptcy in XX/XX/2018. That merchant launch servicing has consistently reported that account in various different statuses to the credit bureaus. I have filed countless disputes with each credit bureau because the merchant is not reporting the information correctly. I was never notified by the merchant in writing, by phone or email ( especially email, because I moved to California at one point ) concerning the status of the account. As a result I was not able to determine the status of the account and the true debt that was associated with this contract. Due to it being litigated in a Bankruptcy the status and nature of the account balance was never truly understood until the date of discharge, at which point the creditor was notified that I did in fact owe them a fractional portion of the debt. Nevertheless the reporting was not ever maintained or reported correctly during the Bankruptcy period or after the date of discharge. I have attached screenshots from each Bureau detailing the reporting that is kept for this account. One account is reporting null information, one is reporting that the account has been late and over 120 days late for over a year when this is not the case and another account is reporting that the account was late until the date of discharge. The XXXX score is significantly lower than my other scores and this is impacting my ability to get housing with housing providers in California who are referring to my XXXX report. I have sent countless emails to this creditor and have had conversations with this creditor on numerous occasions, only to be sent some kind of response that does not address what I am discussing with this merchant credit agency. I recently notified this creditor that if they did not correct this information I would report this information to the FTC and sue them for breach and trespass consistent with the Fair Credit Reporting Act. I am being impacted negatively by this reporting as I have stated. I am attempting to purchase a home and get housing in the midst of a pandemic and this reporting is not accurate or fair to me as a consumer. This is my final attempt to resolve this issue outside of a court room where I will seek specific performance and an injunction consistent with their reporting behavior, causing for a rebuke in their abilities to report by and through credit agencies as well as obliterating an records of this merchants relationship with me as a consumer. I have been very patient and they have consistently failed to address my requests and have continued to be incompetent and inept in handling this issue.
Consumer complaint received 2017-08-30
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diversified Consultants, Inc. (AL)

On XX/XX/XXXX I contacted Diversified Consultants in XXXX, FL and paid a past due bill originally owed to XXXX XXXX XXXX in the amount of {$300.00}. The company agreed to contact all 3 credit reporting bureaus and update this account as paid. As of XX/XX/XXXX, it still shows as derogatory and debt unpaid on my credit report.. The company has had 30 days to complete this transaction and they still have not held up their commitment. I also paid 2 other past due bills in collections off during this time and those companies upheld their commitments to remove their accounts and send me a written notice in the mail that this debt has been paid. Diversified consultants have neither updated to the credit reporting agencies or sent a written notice showing that this debt is paid. What do you do when a company takes your money then ignores you??
Consumer complaint received 2024-03-08
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. (SC)

I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED A ACCOUNT AND CREDIT INQUIRIES THAT I DID NOT AUTHORIZE. I HAVE NO KNOWLEDGE OF THIS ACCOUNT OR INQUIRIES. I REACHED OUT TO THE CREDIT BUREAUS INDIVUALLY BY MAIL AND PHONE REQUESTING VERIFICATION. THESE TRANSACTIONS ARE UNVERFIABLE. THIS INFORMATION BEING PLACED ON MY PROFILE ARE AFFECTING MY ABILITY TO OBTAIN CREDIT I HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS ACCOUNT TO BE FURNISHED WHICH IS IN VIOLATION OF 15 USC 1681. 
FUTHERMORE FURNISHING ACCOUNTS AND INQUIRIES TO MY PROFILE RESULTING FROM IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2.
Consumer complaint received 2022-08-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: States Recovery Systems, Inc. (AZ)

I had a XXXX XXXX phone from XXXX. As the phone was defective, I ended my service with XXXX by a phone call to customer service and returned the phone.At no time did they say I would have a following bill, and if I did have one, assumed they would auto pay from my credit card on file as thats how billing was set up. With no preceding bill or email ( even though I continued to get emails on other subjects almost daily from XXXX ) XXXX  sent my account to States Recovery Systems , Inc, a debt collection company, showing an overdue bill of {$40.00}. I called XXXX immediately. When she could refer to no email showing a bill, she waived {$10.00} in late fees. 
They hadnt charged my credit card on file, as their system wont process through the credit card after service is ended. On XX/XX/XXXX I paid {$30.00} via credit card on the phone. I received an email from them showing the waived late fees, the credit card payment, and showed my balance as XXXX. On XX/XX/XXXX and XX/XX/XXXX XXXX and States Recovery both said States Recovery had not been notified of my payment in full. On XXXX I received XXXX emails from XXXX, XXXX ( XXXXXXXX XXXX XXXX saying they couldnt accept my payment ( even though my credit card was charged and not refunded ) and one ( XXXX XXXX XXXX  acknowledging the payment and that my balance was XXXX. I did dispute the debt in writing and on XXXX XXXX contacted XXXX requesting confirmation on the status of the debt. As of XX/XX/XXXX, they have had no response from XXXX.
Consumer complaint received 2022-08-26
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: Experian Information Solutions Inc. (VA)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights. 

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

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-02-10
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. (AR)

My car is braking down and I decided to try in trade my car in. When I got to the dealer I was told that the first step was to see if I qualified to trade in. My credit was pulled and determined that there was quite a list of unknown items. I have never heard of these things on my report. Please remove these items from my report. 

XXXX XXXX XXXX XXXX {$2200.00} XXXX   XXXX {$780.00} XXXX XXXX XXXX XXXX {$380.00} XXXX XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX XXXX XXXX {$170.00}
Consumer complaint received 2022-08-26
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. (VA)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights. 

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

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-02-10
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (NC)

Synchrony Bank closed my 5 accounts. I called multiple times. The final answer was XXXX  reported my score had dropped and I had a missed payment. I called XXXX  XX/XX/XXXX at XXXX XXXX. My score was mid 700s and I had no missed payments or derogatory Marks. I called synchrony bank to relay this information and request a manual evaluation. They replied that even with a manual evaluation they can never reopen my account. I have already lost 20 points to this issue and that isn't counting what it will do to my utilization rate.
Consumer complaint received 2019-06-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NJ)

I've been making bi-monthly payments as I was told this would reduce my balance quicker. When I noticed that they hadn't applied by first bi-weekly payment, I called them and was informed that they hold the payment until both payments are made and then apply it. What that means is that while they hold my first monthly payment I continue to accrue the per diem instead of reducing my balance it makes no impact. This is trued until we get two months during which there are three pay periods in a month for a year. Only then will I be one month ahead. When I told them I wanted the payment applied as soon as I made they informed me that that was not how it worked. I just don't know how they get away with holding my money, earning interest on it for themselves and I get no immediate benefit.
Consumer complaint received 2022-08-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (IN)

My name is XXXX XXXX and I have an issue with Navient. I requested a refund on my payments made from XXXX through XXXX when I paid off my loan, I didn't realize these loans were in forbearance and I didn't have to make the payments. I researched and found out I can receive a refund for these amounts paid. I called Navient and spoke with multiple employees and they told me I'm unable to receive any refund, but they couldn't give me a reason why. My number is XXXX, please let me know if you need any additional information. 

XXXX XXXX
Consumer complaint received 2022-02-23
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XXXX XXXX still nothing from them. That means TransUnion has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX
Consumer complaint received 2015-12-21
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I 'm filing a complaint because Transunion has ignored my request to provide me with validation of the debts that I do not recognize. I sent a certified letter on XXXX/XXXX/2015 and I have yet to receive a reply. Being that they have gone past the 30 day mark and have not sent a letter verifying these accounts, I would like them removed from my Transunion credit report. It is a serious error on their part.
Consumer complaint received 2022-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

i Had Credit freeze on my reports. Violation of a credit freeze by XXXX. illegally changing of date from on time to 60dsay and 90days late late on my capital one account XX/XX/XXXX thru XX/XX/XXXX 3 Months And also XXXX XXXX  theres 4 months in XXXX all 90 days late are incorrect too. these accounts are not open. i had just received my reports today XX/XX/XXXX.
Consumer complaint received 2022-08-26
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: Next Level Finance Partners  LLC (MI)

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 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 purpose.
Consumer complaint received 2022-08-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (MA)

I worked for a certified employer from XXXX until XXXX. I have been given credit for under the PSLF program for XXXX, XXXX ( TEPLSF ) and XXXX. XXXX has not been given credit. I understood that payment programs did that did not count under PSLF would be counted under TEPLSF. 

I am attaching confirmation of my working for a certified public employer and my request for reconsideration for XXXX.
Consumer complaint received 2022-08-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

XX/XX//2022 - was sent a supposed cashier 's check in the purchase of something I was selling on XXXX. Deposited for {$1700.00}. It is listed as cleared that same day. 
XX/XX//2022 - I sent {$1600.00} by XXXX, to a third party that was supposed to be movers. 
That same night, I realized I had been scammed, and called Bank of America to report fraud and submit a claim to have the {$1600.00} reversed. I also reported the fraud to FTC.gov and ic3.gov XX/XX//2022 - the {$1700.00} is returned as a chargeback as the cashier 's check was not legitimate. 
XX/XX//2022 - Bank of America Claim is not approved.
Consumer complaint received 2022-08-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (AZ)

Wakefield and associates has contacted me numerous times to collect a debt of {$740.00} for a hospital visit from XXXX/XXXX/2021. At this visit, I checked in and waited 45 minutes then left. I never had any services performed or anything. When I requested an itemized receipt they sent me name, account number, address, Social Security number for a different person. This not only violates that individuals privacy and compliance but did not provide me any proof of my visit. 

They did provide me something that said the {$740.00} was for emergency med visit but I didnt have anything done, I just sat in the waiting room so I dont believe its fair to charge me for services that were never performed. The address tied to my name is also incorrect, Ive never lived in Virginia.
Consumer complaint received 2021-08-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK (MD)

Every month, I pay off my balance in full, but I forgot to make a payment this month. As a result, I was charged a {$29.00} Past Due fee by XXXX on XX/XX/2021 and then assessed {$1.00} in interest on XX/XX/2021. However, XXXX 's ONLY communication with me alerting me that I missed a payment came on XX/XX/2021. Immediately upon discovering my XXXX account was past due on XX/XX/2021, I immediately called XXXX to address the issue. They offered to waive the {$29.00} past due fee, but they declined to waive the 16.99 % penalty interest that was incurred from this late payment and upon payment in full of my balance, XXXX said they would keep the penalty 16.99 % APR indefinitely ( as opposed to the 11.99 % that was on my account prior ). 

I believe it is an UDAAP violation to wait 9 days ( XXXX ) after charging me a late fee until notifying me that I missed a payment. The fact that they let an extra 9 days of interest accrue before alerting me of the missed payment and then refused to waive the interest is particularly galling.
Consumer complaint received 2023-03-31
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

So know Bank of America has decided to play this role of lying to me about not being able to verify me so they could find every way to steal my money from me. The representative they have assigned to my case XXXX XXXX XXXX XXXX XXXX XXXXXXXX is consistently rude and doesnt help the situation at all. They need to assign my case to someone else so I can have different results. She honestly needs to be fired cause she doesnt know how to speak to people, is very argumentative, racist in her tone and disrespectful. I need my case assigned to someone else maybe then I will get the help I actually need but until that happens everytime I call its a problem. I dont how regular customer service could confirm my identity but the regulatory complaints department cant, somethings going on and it seems to be high amounts of fraud being done through the higher up departments at this institution. Consistently stealing peoples money to turn a profit for themselves. Unbelievable and disgusting.
Consumer complaint received 2022-08-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I called Transunion and spoke to a representative on XX/XX/2022 and I had multiple unauthorized inquiries on my report and fair credit reporting act requires all unverified and unauthorized items must be removed from my credit report and the customer service department did not help remove the negative inquiries that are reporting on my credit report. The inquiries were : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX