davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: GreenSky, LLC (CA)

Opened a dispute regarding charge on Credit Card with GreenSky back in XX/XX/XXXX. In the initial review of dispute, I received a letter from GreenSky on XX/XX/XXXX stating they have researched my claim and decided that I am liable for charge. I contacted GreenSky again in XX/XX/XXXX and provided them with further information regarding my initial claim. As a result, they agreed to continue their investigation on my account. GreenSky agreed to freeze my account during the time of their investigation. I followed up with GreenSky with over 50 emails and phone calls over the next several months, left numerous messages and sent numerous emails to GreenSky asking to find out what the resolution of their investigation was. I received no response either verbally or in writing. All of a sudden I started receiving statements from Greensky again in XX/XX/XXXX and again, attempted to call and email their Consumer Projects Department asking what the resolution of the investigation was. Again, never received a call back or any type of response. I found out in XX/XX/XXXX that they had begun reporting unpaid past due payments on my account, so I increased my number of calls only to finally get someone on the phone on XX/XX/XXXX. That was the first time I was given official notice of their conclusion of the investigation and requested that they remove the late payment marks on my credit as I never received notification that the investigation on my account was complete. They are now refusing to adjust their credit reporting, which they had no right to report as past due because I NEVER received any notification of the investigation on my account being completed. They previously sent me a letter stating that they have completed the investigation, prior to re-opening the investigation, so I believe that it demonstrates precedent on the manner in which they notify customers of the completion of investigation. I have still not received any official notice that they investigation is complete.
Consumer complaint received 2022-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (TN)

Wells Fargo report a negative balance on my credit report causing my score to go down. Wells Fargo then closed my account and hasn't returned and interest to me. Wells Fargo is in Clear violation on 12 CFR1026.11 which states : ( a ) Credit balances. When a credit balance in excess of {$1.00} is created on a credit account ( through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges or insurance premiums, or through amounts otherwise owed to or held for the benefit of the consumer ), the creditor shall : ( 1 ) Credit the amount of the credit balance to the consumer 's account ; ( 2 ) Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer ; ( 3 ) Make a good faith effort to refund to the consumer by cash, check, or money order, or credit to a deposit account of the consumer, any part of the credit balance remaining in the account for more than six months. No further action is required if the consumer 's current location is not known to the creditor and can not be traced through the consumer 's last known address or telephone number.

( 1 ) A creditor shall not terminate an account prior to its expiration date solely because the consumer does not incur a finance charge.

( 2 ) Nothing in paragraph ( b ) ( 1 ) of this section prohibits a creditor from terminating an account that is inactive for three or more consecutive months. An account is inactive for purposes of this paragraph if no credit has been extended ( such as by purchase, cash advance or balance transfer ) and if the account has no outstanding balance.
Consumer complaint received 2018-05-07
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. (NY)

these account 's on my credit belong 's to some one else XXXX XXXX XXXX XXXX   XXXX Status Open Balance {$520.00} Type Collection XXXX XXXX XXXX   XXXX Status Open Balance {$2100.00} Type Collection Pa XXXX XXXX XXXX Status Closed Balance {$0.00} Type Collection Payment Status Unknown XXXX XXXX XXXX Status Closed Balance {$770.00} Type Credit Card Payment Status Late XXXX/XXXX XXXX Status Closed Balance {$0.00} Type Retail Card Payment Status Late XXXX/XXXX  XXXX Status Closed Balance {$0.00} Type Retail Card Payment Status Late XXXX/XXXX XXXX Status Closed Balance {$88.00} Type Retail Card Payment Status Late XXXX/XXXX XXXX Status Closed Balance {$0.00} Type Unknown Payment Status Late
Consumer complaint received 2021-06-02
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (CA)

For over three months XXXX XXXX Has continually asked me for the same statements and information month after month. I have a XXXX FICO. 
I have never missed a payment in over 17 mortgages. 

I am only asking for time and terms on an existing 40 % XXXX XXXX 
XXXX XXXX is my loan officer. XXXX is one of her supervisors. 
I have been in constant contact with for three weeks trying to resolve this issue. 
He was the fourth such supervisor, or consumer advocate I have been in contact with to date. Incessant harassment for continuing to provide the same statement month after month. 
They are now increasing the cost of The Loan for each additional update to My loan
Consumer complaint received 2022-06-15
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: Experian Information Solutions Inc. (NC)

on XX/XX/2022 I notice some inaccurate information on my credit profile. I disputed these inaccuracies on XX/XX/2022. On XX/XX/2022 I notice I has not received response. In understanding of the new " normal '' in the workforce in today times I patience extended a courtesy and continue to wait for a response yet and still no response. On XX/XX/2022 I again have sent another letter to get this matter resolve. Now as understanding and patience as I am trying to be this inaccurate information is affecting my life and I no longer can extend that courtesy.
Consumer complaint received 2020-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: Experian Information Solutions Inc. (NY)

you wrote me about my address not being right or that you need proof of the address that you have for me these are all the same address they are just written in different ways but are the same address XXXX XXXX   XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX and XXXX are same BORO you will not get any ID or utility bill from me so keep sending all correspondence to the address that is on file
Consumer complaint received 2022-07-22
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2018-05-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (IN)

Paid my statement in full {$250.00} by the due date of XX/XX/XXXX. This was scheduled online bill pay with my bank. They mailed it in enough time. XXXX posted the payment a day late and charged me interest and late fee. 

I emailed my bank thinking it was their fault and to have them resolve it with XXXX. 

However, when I emailed XXXX I came across the email they sent me that they DID receive the payment by XX/XX/XXXX. They didn't post it until XX/XX/XXXX however and charged me interest and fees. 

While trying to resolve this, another statement went out charging another late fee and interest. 

I sent the email attached proving I should have NEVER been assessed late fees or interest since I did pay by the due date but they only agreed to waive one of the late fees since I didn't pay the late fee that shouldn't have been assessed by the due date.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

The bankruptcy which is being reported to my credit report is inaccurate. The case which youre reporting as valid & accurate is actually incorrect. I never had a case tried or seen. There was NEVER A JUDGMENT. No judgment means there was never a case. A judge never saw a case so how is one being reported. 

Please see these accounts are removed from my file at once. 

XXXX XXXX XXXX and Bankruptcy XXXX XXXX Discharged reference XXXX. 
If you continue to report this information without truly verifying the information I will be seeking a legal remedy. Ive already discussed this matter with my attorney & he will draw up the federal case within 30 days of this letter if its not removed.
Consumer complaint received 2022-06-15
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)

In Accordance with the Fair Credit Reporting act XXXX  account # 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 an account without my written instructions.
Consumer complaint received 2018-05-07
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (NY)

I've spent months trying to reach out to someone at Navient and get my account repayments set up properly. I've spoken with countless representatives, supervisors, and other staff only to be given different information each and every time I call. I've requested that Navient review the last 6 months of my calls only to have them call me back on a nonworking number that I requested they not use. I put a second request in and can not reach a person to discuss these findings. Each and every call is a fight to get someone to successfully offer a payment plan that I can afford and also to set up reoccuring payments, which seems to be required in order to enroll in these programs. I have no issues with setting up the auto payments, however Navient seems to have issues properly executing this. I've also tried to remove my co-borrowers from my loans as they are unable to assist in repayments due to their own financial hardships. My income has dramatically decreased over the last 12 months due to a divorce. I've begged, pleaded, and nearly cried with representative after representative to be told things like " make more money '' and " sorry we can't do anything. '' It seems as though they're only willing to help those who completely abandon their loan repayment which I refuse to do. I just want my calls reviewed to have someone see they handle things inappropriately and inconsistently at best.
Consumer complaint received 2018-07-16
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Northwood Asset Management Group (CA)

MS. XXXX said, i owe XXXX with XXXX XXXX XXXX but I already settled the amount with XXXX XXXX  XXXX. The amount i owed is XXXX.
Consumer complaint received 2020-12-15
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: SYNCHRONY FINANCIAL (TN)

On my reports there are two closed accounts with huge amount of missed payments. SYNCB/CAR CARE TIRED ( opened XX/XX/2019 ) and SYNCB/CAR CARE TIRED ( opened XX/XX/2019 ) these are not my accounts. 
Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA SYNCB/CAR CARE TIRED has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Consumer complaint received 2020-12-15
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: FIRST HORIZON BANK (TN)

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XXXX. XXXX, XXXX, XXXX XXXX, on XXXX. XXXX, XXXX, XXXX  and on XXXX XXXX, XXXX, FIRST HORIZON BANK add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2018-05-07
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2014 this debt for XXXX, XXXX appeared on my credit report. I have no knowledge of this debt. I am requesting a signed confirmation with my signature that I opened this account. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please don't respond to my request by saying that this account has been verified. Send me copies of the documents that you have in your files that were used to verify this account. If you do not have any documentation in your files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed within 15 days of receipt of this then you must remove the account from my credit report.
Consumer complaint received 2022-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NC)

I reached out to XXXX, Credit Reporting Company, asking them to verify ( with an original signed contract ). I sent this request via mail on XX/XX/2022. XXXX sent me a letter stating the debt was verified ; But failed to send me a contract as proof. I also reached out to the Collection Agency for verification ; And they never provided anything. Therefore I sent another Letter to XXXX enclosing copies documents sent to the collection agency asking for evidence. The 2nd letter was sent ceritifed mail with a return reciept. XXXX signed and recieved my letter XX/XX/2022. The FCRA requires you to verify the validity of an item within 30 days of request. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here. I informed XXXX that I contacted the Debt Colection agency for validation ; And the Debt Collection has not validated the debt either. It has been 60 days with no response from XXXX. This needs to be removed from my credit. I've also sent Letters to Experian and XXXX without a initial response.
Consumer complaint received 2021-05-08
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: Experian Information Solutions Inc. (MA)

Hi XXXX  CARD and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation? Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2019-10-18
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Bank of America has been sending me another persons banking information for years. I reached out to BOA via email and called their fraud department several times. When I was not successful at ending the emails, I contacted Gov Fraud, but I still receive this woman 's banking. This year I reached out on XXXX  ( direct message ) and the person wanted my personal information to open a ticket, but I refused to give them any more information about me ( they have my name and email address. ). That person responded via direct message and said that they do not have my email in their system. I cut and pasted two of the email 's header content, and he responded " not to email or send via social  media this information. '' I'm at my wits end with it. XXXX XXXX is the name on the account and my email address is : XXXX. I'm suspicious of BOA 's intentions as I can't fathom why they wouldn't be more cautious on giving a random person access to one of their customer 's accounts. 

I do not know anyone by the name of XXXX XXXX and I don't have any bank of america accounts of my own. No Credit Cards or Banking Accounts.
Consumer complaint received 2022-07-22
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)

I've been disputing items in my consumer report for some months now, via telephone, via the CFPB portal, and also via mail with Transunion LLC. Recently, Transunion LLC deleted some accounts from my consumer report, but they failed to delete every item that was disputed, and they failed to provide me with the method of verification for the items that they chose to not delete. I'm demanding that Transunion LLC delete the following six inquiries and one account ; Inquiries - XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, and Account - XXXX XXXXXXXX Account # XXXX. For reference to inquiries and account see attached documents titled Exhibit A and Exhibit B, within the attached PDF filed titled 'YOU BROKE THE LAW '. I've never given TRANSUNION LLC, nor any other person or corporate entity authorization, nor my express written consent, to publish, furnish, market, sell, or share any of my personal, private information, including but not limited to ; my name, my social security account number, my mailing address, telephone number, credit extensions, credit accounts, credit inquiries, credit balances, credit limits, timing of credit payments, etc. TRANSUNION LLC, never contacted me, the consumer, to ask for my consent to their creating and furnishing a consumer report on me, using my personal and private information.
Consumer complaint received 2021-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (TX)

My XX/XX/2020 payment shows I was over 30 days late. However my account was not 30 days late. I have contacted GM about the inaccurate reporting and they advised me to contact the credit bureaus. I have but have had no resolution on this inaccurate reporting.