davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-20
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP (CA)

Went into XXXX XXXX  in XXXX XXXX on XX/XX/2019, and closed out my safe deposit box. It was the last day before they would be charging me for another years fees. Emptied the box, signed a surrender form and returned the key. After all this, the teller ( XXXX ) refused to give me a copy of the surrender form that I signed. I was surprised to find out that the teller was also the bank manager! She was rude and insulting. Atrocious customer service. 
The form I signed was a legal, financial document - and she just refused to furnish me a copy of it. I should get a copy of any document that I sign my signature to. I left the bank with no proof that I surrendered the box, of the date I surrendered the box or of the fact that I returned the key to the box. If any of these things become an issue, I have no proof of anything. Furthermore, anything on that document can end up changed and I would have no proof of what I actually signed for. This is totally unacceptable. Especially for a financial institution. Everything should be well documented with copies of the signed forms going to everyone. Makes me question their credibility. 
If I hadn't already closed my checking and savings accounts I would certainly do so now.
Consumer complaint received 2019-10-09
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. (PA)

Trans Union XXXX Upon doing a recent review of my credit report. Ive noticed that their are inaccuracies with the Department of Education. XXXX account number ( XXXX**** ) has Discrepancy in the High Balance, date open, date closed, creditor type, last payment, account type, payment frequency. Not to mention the inaccuracy of the payment history. 

XXXX and XXXX are reporting different from what you are reporting. If this is the same account being reported by the same creditor, how are these numbers and other verbiage different? 

Because of this apparent neglect, and ensuring that everything on my account is accurate, consistent and up to date. Please delete this account immediately because of the negligence of the original creditor and in inaccurate information that is supplied. 

I have enclosed a screenshot for your viewing pleasure. Please see all of the highlighted sections that I have outlined for you. 

Thank You XXXX XXXX
Consumer complaint received 2024-03-04
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. (AZ)

I am writing to express my frustration and disappointment with the several unsuccessful attempts to remove fraudulent items from my account. Despite my repeated efforts to address this issue, I have encountered significant obstacles and delays in their removal, which is deeply concerning. 

I have identified multiple fraudulent items on my account, which I believe to be the result of unauthorized activity or identity theft. These fraudulent items not only compromise the security of my account but also undermine my confidence in your company 's ability to protect my financial interests. 

I have diligently followed your company 's procedures for reporting and disputing fraudulent activity, providing detailed information and supporting evidence for each instance. However, I am dismayed to note that these fraudulent items persist on my account, despite my persistent efforts to have them removed. 

I urge you to prioritize the immediate removal of these fraudulent items from my account and to conduct a thorough investigation into the source of these fraudulent activities. Additionally, I request regular updates on the status of my complaint and the actions being taken to address this issue. 

Failure to resolve this matter promptly will not only impact my financial security but also reflect poorly on your company 's reputation for customer service and reliability. I trust that you will take swift and decisive action to rectify this situation and restore the integrity of my account. With this, I am asking for your assisstance to remove these fraud items in my credit file : 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 XXXX XXXX XXXX
Consumer complaint received 2023-03-02
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. (GA)

MY INFO HAS BEEN COMPROMISED AND I REPORT THIS TO THE CREDIT COMPANYS AND THEY NEVER UPDATED MY FILE, I STILL HAVE THESE FRAUD ACCOUNTS ON MY FILES, AND I NEED THEM REMOVE AND UPDATE THEM. THANKS XXXX. XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX
Consumer complaint received 2019-06-20
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: Experian Information Solutions Inc. (PA)

My mortgage was sold by XXXX on XX/XX/19 to a company called XXXX. I have paid my mortgage on time every month since a modification almost 1.5 years ago. I have been building my credit back because of this. XXXX has now reported me to the credit bureaus for a modification that took place 1.5 years ago. You can't get an American on the phone unless you have 2 hours - they won't help me, they are a scam and they appear to be doing this to a lot of people. XXXX had a civil suite brought against them. XXXX is on the same track. This place is horrible. 

I can prove my on time payments through my bank account.
Consumer complaint received 2018-01-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

In 2016, Bank of America closed my cash rewards credit card without notice due to inactivity. I had {$85.00} worth of rewards that were not redeemed at the time of closing that were never refunded to me. The account closing has impacted my credit score, and I did not intend to close the card, nor was I  delinquent at any time paying the credit card.
Consumer complaint received 2018-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Paid accounts, refinanced student loans shows as " closed accounts '' As I know closed accounts may negatively affect my credit health, so I am fighting to defend my reputation, I want XXXX, Equifax, XXXX to DELETE all the paid and refinanced accounts to keep my reputation clean because I am serious about taking care of my credit.
Consumer complaint received 2023-05-18
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. (MO)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2020-09-25
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: Experian Information Solutions Inc. (IN)

Upon receiving my daily Experian and XXXX  credit reports on XX/XX/2020, I noticed that two previously removed items were re-inserted. The accounts in question, XXXX XXXX, ( account # XXXX XXXX and XXXX XXXX ( XXXX XXXX were deleted previously due to the company 's failing to properly identify me. This is a blatant violation of the FCRA, which it appears reporting violations are becoming a regular practice of Experian and XXXX. Moreover, in accordance with the FCRA, if any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.
Consumer complaint received 2023-05-18
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)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct.

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2021-06-11
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: NRA Group, LLC (NY)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2020-09-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I contacted TransUnion both by telephone and by letter, informing them of Inaccuracies relating to the inquiries that they were reporting on my credit profile. I explained to them that I did not give anyone permission to run my credit. The representative I spoke to was unwilling to assist. In my letter to TransUnion, I requested that they furnish proof of my consent/authorization for these credit pulls since they were reporting this false information and ruining my ability to obtain credit. I was sent a generic letter with no resolution and no proof that what was being reported was accurate. Again, I did NOT authorize these credit pulls.
Consumer complaint received 2019-06-20
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (MO)

I received a move out bill dated XX/XX/2018 from XXXX XXXX XXXX The Residences at New XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX MO  XXXX on XX/XX/XXXX for {$450.00}. I responded to the letter, notifying them why I was only paying {$71.00}. They never scheduled a move out walkthrough with me. They charged {$340.00} for carpet replacement. i lived there for 39 months. Normal wear and tear. 

I never heard back from them. I received a bill from FCO that was dated XX/XX/18 in the amount of {$830.00} more than double the bill they sent me. As i stated, the only bill i received was dated XX/XX/18 for {$450.00}. I contacted FCO on XX/XX/XXXX and emailed them my bills and what the situation was. They said they would speak with XXXX and get back to me. 

I have not heard anything to date but now know there are other residents that experienced a similar experience as mine. 

Thank you.
Consumer complaint received 2019-06-20
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: PHH Mortgage Services Corporation (PA)

My mortgage was sold by XXXX on XX/XX/19 to a company called PHH. I have paid my mortgage on time every month since a modification almost 1.5 years ago. I have been building my credit back because of this. PHH has now reported me to the credit bureaus for a modification that took place 1.5 years ago. You can't get an American on the phone unless you have 2 hours - they won't help me, they are a scam and they appear to be doing this to a lot of people. XXXX had a civil suite brought against them. PHH is on the same track. This place is horrible. 

I can prove my on time payments through my bank account.
Consumer complaint received 2019-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (IL)

Equifax have not sent me my annual credit report. I've requested my credit report three times over the phone. 
This is my second compliant on this matter. All the credit reporting agencies sent the report after compliant was filed.
Consumer complaint received 2020-02-08
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. (MD)

On XX/XX/2020 I saw something spiteful and petty on my credit report my credit score dropped from XXXX - XXXX because I ask the person at EXPERION to render me with the law that they are trying to tell me Exist a law that says EXPERION has to keep one false negative score factor on a persons file by law I have watch this one negative thing change a number of times as I will show you in the attachment. At what I see EXPERION is doing the same one negative score factor keeps on changing over and over and over and over again now they put two of the same negative score factor, in my score factor. These are not justified in the credit file. Where did These factors come from??.
Consumer complaint received 2018-02-22
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: EQUIFAX, INC. (GA)

I filed IRS Form XXXX in XX/XX/XXXX with the IRS to have a satisfied tax lien removed from by credit file. The IRS accepted and approved my request in late XX/XX/XXXX. They filed IRS Form XXXX XXXX with the Clerk of Superior Court of XXXX XXXX to withdraw the lien on XX/XX/XXXX. I have personally verified with the Clerk of Superior Court of XXXX XXXX that the lien is no longer recorded with the court. I filed a dispute with Equifax to have the lien removed from by credit file. I received a notification from Equifax on XX/XX/XXXX stating that the lien is reporting as released. That is incorrect. The lien has been withdrawn and is no longer being reported..
Consumer complaint received 2018-02-22
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (TX)

On XX/XX/XXXX, I called Navient to discuss by payoff and to negotiate pay off amount due to my high interest of 16 % on one of my loans with Navient and 10 % on another loan with Navient. I was transferred 4 times and I was finally told they would only allow a discount of {$200.00} of my total due because I was not in default and that was all they could help me with. Unfortunately, due to my financial circumstances, I can no longer pay my monthly payment of {$420.00} and with this outrageous interest I can not just stop paying. On previous phone calls I had with them, I tried to ask for a lower repayment plan but according to them with my annual gross of less than {$25000.00}, {$420.00} was the least they could lower my monthly payment. I have tried other avenues, such as refinancing with another student loan company with a lower interest rate, however due to my financial situation no one is willing to refinance my loans. I tried calling Navient again the same day and when i wouldnt take " NO '' for an answer I was finally transferred to a person that was willing to take down my financial information to submit for review to his supervisor. They informed me that I would receive a response within 1 week. I have called every week in XXXX for an update and they said my information was still under review. I called again today, XX/XX/XXXX and I was told the supervisor that was going to review my information was on vacation and it was unknown when she would be returning. I feel like I am being given the run around. I am in distress financially and I have been up to date with my payments and when I ask for help, I should expect help when I have been a good paying customer. 
{$200.00} does not help me payoff my loans. I have done everything in my power to pay off my loans and work with Navient to do so, but they have not shown me their urgency to help me while my interest just keeps adding up while they are on vacation. I think they should at least transfer my information to another supervisor to review and give me an answer quickly not making me wait for a month for an answer and having me try to figure out how to make my next payment. Navient is not urgent in taking care of these matter quickly. Instead they give people the run around hoping they will just give up or pay up.
Consumer complaint received 2023-05-18
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. (FL)

The credit bureaus keep disregarding the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

The credit bureaus have no respect for the laws nor mine. 

Someone needs to hold them accountable for this
Consumer complaint received 2021-06-11
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SYNCHRONY FINANCIAL (MD)

I sent Synchrony Bank ( PayPal ) a Debt Validation Letter on XX/XX/XXXX. I did not receive any communication from Synchrony Bank ( PayPal ) confirming my alleged debt of " {$4600.00}. Nor did I receive notice of right to dispute from Synchrony Bank ( PayPal ). 

I sent Synchrony Bank ( PayPal ) a Cease and Desist Letter on XX/XX/XXXX. I did not receive any communication from Synchrony Bank ( PayPal ) confirming my Cease and Desist Letter. Since then, Synchrony Bank ( PayPal ) has harassed me through excessive communication tactics after I've told them to stop contacting me. The dates of the harassment are as followed ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and the comments of each communication uses the words an attempt to collect debt that is a violation of USC Code 1692b ( 5 ) and USC 1692e ( 11 ). In addition, I was sent a letter via post card by Synchrony Bank ( PayPal ) with the words an attempt to collect debt, after the cease and desist letter was sent. This is a violation of USC Code 1692b ( 4 ) and USC Code 1692f ( 7 ). Synchrony Bank ( PayPal ) has communicated to me by post card after the cease and desist letter, that is a violation of 15 USC 1692b. These excessive and harassing communications after I sent a cease and desist letter on XX/XX/XXXX is a violation of USC Code 1692e.
Consumer complaint received 2020-09-25
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (NY)

I have a amazon store card. And when i opened it i started off with a $ XXXX and or {$2000.00} credit limit. Over night they decreased it to {$200.00}. Upon me checking my credit report there was no changes that happened. At that point in time when it happened i was not passed due on anything or late.