davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-22
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION (NY)

Truist has once again charged me an overdraft fee even though I have overdraft protection turned off. Instead of declining the charge, they accepted it and charged me {$36.00}. I have addressed this pattern of junk fees in multiple complaints. None of those complaints have been addressed satisfactorily. In the last company response, they used account info that was not in line with the information provided through my banking portal. I am accusing Truist of charging junk fees, which have been deemed illegal. Until this matter is properly investigated by an outside source and not a dishonest Truist representative, I will continue to file complaints as I am being continually lied to. They are purposely manipulating pending charges on customers ' bank accounts in order to charge their customers more junk overdraft fees. I believe an investigation into this practice is merited and if there is an investigation, you will find a policy or culture of applying junk fees to the most vulnerable of their customers.
Consumer complaint received 2024-02-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 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 accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$87000.00} XXXX XXXX XXXX XXXX Balance : {$87000.00} XXXX XXXX XXXX XXXX Balance : {$87000.00}
Consumer complaint received 2022-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX Balance : {$9.00} XXXX XXXX XXXX Balance : {$2000.00} XXXX  XXXX XXXX Balance : {$23000.00} XXXX XXXX Balance : {$1100.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$450.00}
Consumer complaint received 2016-04-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (VA)

DiTech, a " XXXX XXXX '' became the successor in interest to Greentree ( which had purchased our mortgage loan from XXXX XXXX I believe it was ). Around XXXX XXXX we received our annual escrow statement showing a large positive escrow balance accompanied by a " Shortage Adjustment Notification '' proposing a {$64.00} per month increase in the escrow portion of our monthly payment, accompanied by a footnote that the information provided did not require any action on our part. I took no action because I could not determine how they calculated a shortage. The XX/XX/XXXX Payment went with the standard payment - the pre-shortage notification payment and DiTech lowered the boom. It did not credit me with the XX/XX/XXXX payment at all, but deposited it to a suspense account ( whatever that is ), imposed a late fee of {$120.00} because the XX/XX/XXXX payment " had not been made '' ( on the escrow shortfall of {$62.00} ), claimed we were a month in arrears on our mortgage and will undoubtedly up the late fees and charges when I refuse to pay the late fee.
Consumer complaint received 2021-06-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Harris & Harris, Ltd. (OK)

I have a debt with XXXX XXXX ( XXXX ) XXXX-XXXX in XXXX XXXX. {$1300.00}. I've been on a payment plan and have never been delinquent. My account was turned over to the collection agency Harris and Harris in XXXX IL. phone ( XXXX ) XXXX-XXXX  account reference number XXXX. 

I do not owe this collection company. They are demanding I pay both bills if the exact same amount. I'm caught between this health care company and this collection agency. I owe and am paying XXXX XXXX. I do NOT owe Harris and Harris. 

Please help me
Consumer complaint received 2018-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I have inaccurate addresses appearing on my XXXX  and trans union credit report. 
the address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nv XXXX This address doesn't even actually exist.
Consumer complaint received 2016-05-06
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (PA)

My son and his fiance wanted to buy a home together and needed a co signer. My wife co signed for them to buy this home. They moved in, my son then enlisted in the XXXX. After XXXX, he returned home to find out she had found someone new, and had moved out. My son could not keep up the mortgage payments and tried desperately to sell it. He found a buyer so he could satisfy the loan and the paper work got stopped. XXXX had put a lien on the home because of XXXX defaulted student loans. The lien will not be cancelled now until her XXXX XXXX student loan debt is all paid.Now the house sits empty, cant be sold but at the same time mine and my wifes credit is ruined. I am XXXX years old and on Social security XXXX and cant work. Why should our credit be ruined if we can not even sell the home because of a student loan from my sons fiance ( XXXX XXXX XXXX ), we are not related to this girl, we have no control over her student loans, but we are being penalized! I have tried getting this off of our credit reports but they wont budge. Like I said, cant even sell the home to satisfy this mortgage!! This has been through the courts I am to understand and forclosed on. I even tried talking to the bank, they will not talk to me.Thank you
Consumer complaint received 2018-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

TransUnion tricked me into purchasing a monthly credit reporting subscription. Upon going to their website, TransUnion automatically directs you to a site that is marketing their monthly subscription. I know I am not the first consumer to complain about this. The only thing that is advertised on the page is " Get Your Credit Score. '' Written in tiny print at the very bottom ( WHERE YOU MUST SCROLL DOWN TO SEE ) is that it will charge XXXX per month. The problem I have with this is that it is the only place in the whole process that says you will be charged. Later on, in the process of getting your score, it says " Please Provide a credit card that is linked to your score, '' with the intent that they need a score to verify that my credit score actually belongs to me. Unbeknownst, they charged me for a monthly subscription. TransUnion is one of 3 free credit reports, and it is absolute XXXX that they are tricking customers into paying for a free score. After reading up, I realized that TransUnion has been caught conducting shady acts likes this before. If TransUnion does not reimburse the full amount, I will file a dispute with my credit card company. XX/XX/XXXX18.
Consumer complaint received 2022-03-08
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IA)

On XX/XX/ 2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2016-06-16
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO. (MN)

I am a long-time holder of a Chase Premier Visa Signature credit card which provides Southwest Rapid Rewards based on charges made. I work out-of-town and use the card frequently. At least once a week I pay all charges, including pending charges, online. This has worked well for years. Recently when checking my credit card account online I noticed a " credit balance refund '' in the amount of {$430.00}. I called to learn what this was and was adivsed it was a refund for a payment in advance of charges hitting my account. I explained the charges were shown on the account as pending and that this had never happened before. I was further told that the refund had been made by paper check and sent to my address of record. I asked that the check be cancelled and the refund credited to the account for which there were open charges in excess of the credit amount. I further explained I was working out of state for an extended period of time. I was told this could not be done. I then asked why the refund was not made electronically since that is how all my payments are made and was told a paper check in the mail was more secure than an electronic payment. Of course, this is not true. Again, I explained that I am working out of state and do n't know when I will next be able to get the check. I was told it is good for 90 days and can then be reissued. I asked why this change in practice had been made and was told it was a requirement of Southwest Airlines. Of course this is not true ; the card is from Chase which offers the Southwest rewards as an incentive to use their card. Having gained no saisfaction by phone, I personally visited a Chase banker in the state in which i am working. He reviewed the situation and did not understand it either. He called the Chase credit card department and was told the same incorrect information as I had been. He talked to his manager and we decided to ask that Chase reissue the check and send it to me in care of the local Chase branch. Chase Visa refused to do so. The banker and I came to the conclusion this new practice had been adopted in an effort to increase interest income on accounts. Most people would not check their account and notice the stealth refund which then becomes a balance due on the account for which interest could be charged. I never carry a balance long enough to owe interest, so this is a clever way to try and cause interest to be due. The answers that checks in the mail are more secure than electronic payments and that Southwest Airlines required this banking practice are demonstrative of the deception the bank is engaged in. i am asking the CFPB to work to change this deceptive practice by Chase.
Consumer complaint received 2024-02-29
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: EQUIFAX, INC. (IL)

I am writing to file a complaint regarding specific negative items reported on my consumer credit report. Upon reviewing my credit report, I have identified inaccuracies in the reporting of these negative items, which have adversely impacted my financial standing.
Consumer complaint received 2023-06-13
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. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : 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 15 U.S.C, 1681section 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. 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 ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-13
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX These listed accounts have violated my rights. 15 U.S.C 1681 602 A. States I have the right to privacy. 15 U.S.C 1681 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any 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 7 years. 15 U.S.C 1681 s-2 ( a ) ( 1 ) 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 inaccu
rate.
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 — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

THESE ACCOUNT DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This company is reporting inaccurate personal information on my consumer report. Ive sent them a certified letter to remove and update the inaccurate personal information from my consumer report and theyve failed to comply with my request.
Consumer complaint received 2018-08-03
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I have disputed a department of veteran affairs account with Experian about inaccurate balance and improper payment status and they have consistently refused to update and/or remove this account. The original balance on my experian credit report states {$910.00}. The actual original balance was {$41.00}. This account was paid in full in XX/XX/XXXX yet experian gave me a negative payment status in XXXX of XXXX. I have contacted the Department of Veteran Affairs Debt Management Center and have verified this information and have received a letter stating these inaccuracies yet this account has never been corrected.
Consumer complaint received 2023-01-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (MI)

I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC I demand you to remove the account from all 3 of my credit reports asap or I will file litigation against your company for furnishing a false account on my credit report.

I constantly check my credit report, I noticed that the errors and misleading information for individual accounts didnt quite meet the credit reporting standards of being 100 percent correct. This has damaged and held me back for some time. Im demanding CFPB to enforce the correction and or deletion of these items I demand every item on this letter be reinvestigated for the completeness and accuracy and deleted as it dont meet the standards that are required under the us code.

PLEASE BLOCK ALL THE ACCOUNTS LISTED ON THIS REPORT, THESE ACCOUNTS ARE NOT MINE. THE IDENTIFICATION PROVIDED IS NOT ENOUGH PROOF THAT ANY OF THESE ACCOUNTS ARE MINE. THEY ARE A RESULT OF IDENTITY THEFT. I DEMAND THAT YOU REMOVE AND BLOCK ALL THE ACCOUNTS IMMEDIATELY. IVE BEEN A VICTIM OF REAL NAME ID FRAUD. THE COMPANIES LISTED ON THIS FTC REPORT HAVE TO VALIDATE THE DEBT AS BEING MINE AND VALID. I ALSO WOULD LIKE TO KNOW THE METHODS USED TO VALIDATE THE DEBTS. THE FOLLOWING INQUIRES ARE NOT MINE, THEY ARE FRAUDULENT AND THE VENDORS REPORTING THEM MOST SHOW THAT THEY HAD THE LEGAL AUTHORITY TO ACCESS MY CREDIT REPOT OR THE INQUIRY MUST BE REMOVED. - PLEASE REFER TO ATTACHMENT 1. PLEASE REMOVE THE FOLLOWING NAMES, ADDRESSES, PHONE NUMBERS AND ANY OTHER NAMES, ADDRESSES, PHONES NUMBERS YOU HAVE ON MY CREDIT REPORT. REFER TO ATTACHMENT 2.
Consumer complaint received 2024-02-29
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. (GA)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 ) ( XXXX ) 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.
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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

THESE ACCOUNT DO NOT BELONG TO ME XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-08
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored for my disputes and concerns. 
Section 611 ( A ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2018-08-03
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. (GA)

To whom it may concern I XXXX XXXX submitted some accurate documentation to the Credit Bureaus are continuing to report inaccurate information to my credit profile.I have two account that are being reported as late and I've never been late on any of my account. I will up load documents to support the above statements. These account are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Once I did my dispute with the credit bureaus for one late that was reporting on XXXX XXXX XXXX XXXX XXXX and XXXX XXXX the bureaus went into my credit profile and reported additional inaccurate fraudulent activities on my credit profile.