davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

According to the Fair Credit Reporting Act, the accounts listed below have breached my federally protected consumer rights on accurate credit reporting. 

XXXX XXXX # XXXX is in violation of the Fair Credit Reporting Act by inaccurately reporting information to Transunion, XXXX, and XXXX. Upon reviewing my credit report, I observed discrepancies in the last activity dates- XX/XX/XXXX, with TransUnion, XX/XX/XXXX, with XXXX, and XX/XX/XXXX with XXXX. Furthermore, XXXX XXXX has Inconsistencies in my payment history across the XXXX bureaus, which contravene the Federal Credit Reporting Act. For Instance, XXXX  XXXX, reported a timely payment on XX/XX/XXXX, to XXXX but failed to provide any record for the same date on XXXX and TransUnion. Similarly, the reported on-time payments for XXXX to XX/XX/XXXX to XXXX but XXXX this information from XXXX and Transunion. Additionally, XXXX XXXX 's payment history percentages differ across bureaus- claiming a XXXX percent payment history for XXXX XXXX while indicating XXXX percent for TransUnion AND XXXX Percent for XXXX. These inconsistencies require immediate correction to align with the accurate reporting standards mandated by the Fair Credit Reporting Act. I would like this removed totally from my account. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 

Under the Fair Credit Reporting Act ( FCRA ) ( XXXX XXXX. XXXX and following ), you may sue a credit reporting agency for negligent or willful noncompliance with the law within XXXX years after you discover the harmful behavior or within XXXX years after the harmful behavior occurs, whichever is sooner.
Consumer complaint received 2023-03-31
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. (TX)

I am writing to dispute the payment history on my credit report regarding my XXXXXXXX XXXX  credit card account ( account number : XXXX ). The payment history on my credit report shows a late payment in XX/XX/2020, however, I believe this information is inaccurate. 

As per the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or incomplete information on my credit report and request an investigation. The FCRA requires all credit reporting agencies to ensure that the information they report is accurate, complete, and up to date. 

I have reviewed my records and can confirm that I made all payments on time, including the payment due in XX/XX/2020. I request that you update my payment history to reflect that my payments were made on time and my account is current for XX/XX/2020. 

I understand the importance of accurate credit reporting, and I request that you investigate this matter as soon as possible. I will need you to send me proof of the documentation stating that I was indeed late or delete this inaccurate information. Once the investigation is complete, I request that you provide me with a revised credit report. 

Thank you for your attention to this matter.
Consumer complaint received 2022-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

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 Loan number XXXX XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX  XXXX Account XXXX Balance {$25000.00} XXXX XXXX XXXX Account XXXX XXXX {$20000.00} XXXX XXXX XXXX XXXX Account XXXX XXXX {$19000.00} XXXX XXXX Account XXXX Balance {$12000.00}, all has violated my rights 15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C. 1681 ( 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 2019-07-21
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AES/PHEAA (CT)

I have recently applied and have been approved for a debt consolidation through my student loan lender, FedLoan Servicing as I was having difficulties making the minimum monthly payment of approximately {$500.00}, and had determined that the consolidation would reduce my total monthly payment. The initial call I had made to FedLoan Servicing for help with my monthly payments was on or around XX/XX/2019, at which time the gentleman I spoke with said my past due debt with FedLoan Servicing, which was only 30 days past due and totaled about {$700.00} at that time, would be put into an emergency forbearance while the application was being processed and no further payments would be required until the application review was complete. Please note that the balance owned was considered past due despite my good faith efforts to make payments in XXXX and XXXX for {$100.00} and {$400.00}, respectively, which was as much as I can afford, albeit not the {$500.00} they were looking for. However, I had to call FedLoan Servicing back 4 additional times between the initial call on XX/XX/XXXX through early XXXX as I continued to receive collection notices for the outstanding balance. Each time I spoke with a rep they apologized and stated that the outstanding amounts should have been placed into forbearance but for some reason ( that they couldn't ever explain ), that was effective XX/XX/2019. Each time they would 'correct ' the issue to retroact back to my initial call in XXXX, and within a week I would receive another notice looking for payment and go through the whole process again. The consolidation was finally approved on XX/XX/2019. However, all of the individual student loans which are included in the consolidation were erroneously adversely reported to the credit reporting agencies by FedLoan Servicing as 'adverse accounts '. Each of these loan payments have been included in my consolidation, which is current. I have included an overview of my account with FedLoan Servicing for you to review. I need to have the erroneous multiple adverse entries for FedLoan Servicing removed from my credit report as this information is not correct. How can these be considered adverse if they are showing as 'paid in full ' and part of the consolidation per my FedLoan Servicing account overview? This 'error ' has caused my credit score to drop dramatically and I need to have this corrected as soon as possible.
Consumer complaint received 2023-06-12
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. (SC)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX Balance Owed : {$150.00} ; XXXX XXXX XXXX Balance Owed : {$470.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2018-06-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

In XX/XX/18 I made a purchase on my credit card in the amount of {$61.00} for a company called XXXX XXXX. I learned today the company is out of business and is ceasing operations. I had an order for chicken to be delivered but since the company is out of business it will not get delivered. I would like to also add that the representative would not let me explain is that XXXX kept delaying my order so my intention was to cancel because I will not be available to pick up on that date. Again because the company is out of business I can not contact them - their phones are shut down. So Bank of America advised me Im just supposed to wait around- this is my money that has been held up. Im really frustrated with Bank of America just not listening to the full story. I use this card for the low rate but no more. I for once just want them to be on the side of the consumer. I am not done with this and I will not lose my money over BofA not listening to the customer. I did hang up on the representative because I was tired of her talking over me it was clear I was getting no where.
Consumer complaint received 2017-07-23
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. (TX)

I have tried for years to help TRANSUNION to report correct addresses on my file. I have sent numerous occasions via certified mail of copy of Driver 's License of both the former and current address as proof of residence addresses. To date, TRANSUNION refuses to comply! Please remove the following address from my Credit File at once : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX Should be : Current Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX Former Address : XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2018-06-26
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: SYNCHRONY FINANCIAL (TN)

I received a notification on my XXXX Credit Report on XX/XX/2018 that one of my creditors had decreased my limit on my XXXX XXXX credit card. I was not notified of this before the action took place. I had missed a payment by 8 days and paid it immediately when I found out that I had missed said payment. My payment was due on XX/XX/XXXX and was paid on XX/XX/XXXX. This is the first payment, in the 4 years that I have possessed this line of credit, that has been late. My available credit went from {$7400.00} down to {$3000.00} without any type of notification that my payment was missed or that they would be decreasing my credit limit. This was immediately put onto my credit report and shows now that my credit usage on this account is 97 % and dropped my credit score by 14 points.
Consumer complaint received 2019-07-20
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (MI)

I have a XXXX XXXX XXXX Credit Card that is through Comenity Capital Bank. I made a purchase on a no interest plan using this card. I have done this numerous times in the past and have always paid my card on time and ahead of schedule. All of my payments exceeded the minium payment due. My card balance has two such plans for purchases at different times. I utilize their website to make my payments. I logged on to check the current balance today ( XX/XX/XXXX ) and realized my account balance went up by approximately {$500.00}. I made the purchase XX/XX/XXXX and the promotional balance expired on XX/XX/XXXX. I was surprised that there was not a notice on the website when I logged into make my last payment that warned me my promotional balance was about to expire. I would assume based on all the consumer protection laws that they would be required to notify the consumer of such an event. I was surprised to learn that they do not feel they need to have it online and I find the practice to be deceptive and not in the consumers best interest. I called and spoke to a customer service representative and then to a supervisor to voice my concern. I was told by the supervisor that they do not notify other than an item listed on the monthly statement of when the promotional balance will expire. I explained that while that is great if you use the paper statement that most people go paperless and that, as a company they really push paperless statements. I have several store credit cards from them and every time you log in it asks and recommends you go paperless. So I told her if they are going to push everyone into going paperless they should put a warning online when a promotion is about to end. She let me know that the statements were online and that I could have reviewed them. I do not think something like that should require you to click extra items and that it should come up as a warning when you log in to pay. I told the supervisor I found this practice to be deceiving and against the consumer credit laws that are available to protect the consumers. I also let them know that I made next months payment along with the remaining {$340.00} that was outstanding on the promotional balance today and asked them to help with the finance charges added. Both employees told me there is nothing they can do about the {$500.00} in interest that was added to my account. I am reaching out to you to see if you can help with these charges and that you can see to it they change their deceiving practices and add these warning notifications to the account details page on their website so that this does not happen to other people as well. Thank you in advance.
Consumer complaint received 2019-07-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP (AR)

Malvern Nation bank and us bank in Malvern both closed my account without notifying me of that and then us bank tells me I owe them XXXX and Malvern national XXXX I have told them I was expecting money from XXXX that it would take care of it still haven't received my money because of this as well please help me get this taken care of
Consumer complaint received 2018-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

No attempt was made to verify the collections disputed. 
I do not recall seeing the original dispute or anything from the company that they claim contacted me. 
There was nothing done to confirm the debt which I do not owe. 
It is a medical debt that was sent to a charity organization at the hospital and paid by them. 
Trans union is lying when they say they tried to check it out, they made no attempt to remedy the issue and just stamped it as good and put it on my report. 

This is not a legal debt., The original creditor was the hospital that I was admitted to. It went ot a collections agency that did NOTHING to confirm the debt.
Consumer complaint received 2019-07-20
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. (NY)

XXXX claims they havent reported me late its the credit bureau who made the mistake. Ive been in forbearance. How can I be late. I need this updated. I have many lates from this company. XXXX its like 10 and i never was late I attached a copy of my report and a letter from navient. Im going for a mortgage this isnt fair. Please help and update all these lates and remove them. ALL NAVIENT ACCOUNTS ARE INCORRECT. 
B DEPT OF ED/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$1100.00} EDU {$1100.00} XXXX {$0.00} {$0.00} XXXX XXXX XXXX XXXX XXXX XP/XXXX/XXXX Late Dates : XXXX, XXXX PAYMENT DEFERRED ; COLLATERAL : DEFERRED TO XXXX B B XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$1700.00} EDU {$1000.00} XXXX {$0.00} {$0.00} XXXX XXXX XXXX XXXX XXXX XP/XXXX/XXXX  Late Dates : XXXX, XXXX, XXXX PAYMENT DEFERRED ; COLLATERAL : DEFERRED TO XXXX B B DEPT OF ED/XXXX  XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$1100.00} EDU {$1100.00} XXXX {$0.00} {$0.00} XXXX XXXX XXXX XXXX XXXX XP/XXXX/XXXX Late Dates : XXXX, XXXX PAYMENT DEFERRED ; COLLATERAL : DEFERRED TO XXXX B B XXXX  XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$1700.00} EDU {$1000.00} XXXX {$0.00} {$0.00} XXXX XXXX XXXX XXXX XXXX XP/XXXX/XXXX Late Dates : XXXX, XXXX, XXXX PAYMENT DEFERRED ; COLLATERAL : DEFERRED T
Consumer complaint received 2019-07-20
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TX)

When I first receive the vehicle it was {$630.00} which my husband and I was willing to pay but in the process we had a XXXX XXXX XXXX which that made me laid off in my has been laid off so therefore I we were not able to pay our bills for two months. I then got in contact with Nissan and ask them is there anything that they can do for me they indicated that there was nothing that cant be done that I need to make a payment. And in the process of that me and my husband XXXX and divorce which left me with the mortgage Car and bills and our children that I love so much. I was struggling I then called Nissan to explain my situation they put me on a plan where my car note is put to the back but then a week later someone called me and told me that that process did not go in that I need to pay the remaining balance in order to keep my vehicle I woke up one morning to take my kids to the daycare and for me to go to work and my truck was not there this is the worst finance company ever
Consumer complaint received 2019-07-20
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: EQUIFAX, INC. (MN)

My information was compromised during the equifax breach. I receive hundreds of calls a week from Robo callers, credit line inquiries for loans that Ive never applied for. 

My information was compromised and Equifax didnt properly alert me in a timely matter.
Consumer complaint received 2018-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

Company called XXXX is attaching a collection to my credit report on both Equifax and XXXX. They say its for a commercial loan to XXXX XXXX. It would have been for a commercial loan to a dissolved company. To get around the consumer credit rules these companies are reporting it as collections to the individuals. The loans are unsecured purchases of receivables. When the companies go bankrupt they use this tactic to affect the individuals credit.
Consumer complaint received 2018-06-26
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (NY)

On XX/XX/2018 I had funds automatically taken out of my checking account from XXXX XXXX twice from XXXX 's. There should have been one ( 1 ) payment of $ XXXX instead there was two ( 2 ) automatic deductions for {$260.00} taken from my checking account. This has not been rectified as of yet. 
The website for XXXX 's was having issues with the automatic payment when I initially tries to have the payment initially setup on XX/XX/XXXX. However, I didnt think it was completed. So, when I didn't see anything online under my XXXX 's account webpage or any acknowledgement I initiated a payment on XX/XX/XXXX for {$260.00} to be deducted from my checking account on XX/XX/2018. Then, two ( 2 ) minimum payments for {$260.00} each were taken out of my account. 

I disputed on XX/XX/2018 with my bank ( XXXX XXXX ). They, in turn had me sign dispute document five ( 5 ) business days later and fax it to XXXX 's. However, it has been ten ( 10 ) business days and I need my {$260.00} back into my checking account. 

XXXX 's was no help as they stated they had to see a payment first ( when I called on XX/XX/2018 ) when I initially contacted them via phone.When I called back five days later they showed no credit on my account. I need my {$260.00} and this process in the year XX/XX/2018 is unbelievable.
Consumer complaint received 2017-07-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: TD BANK US HOLDING COMPANY (KS)

I purchased a phone from XXXX. Since getting the phone, I got my first bill where I was being charged twice for the same phone. I tried contacting both XXXX directly and the credit service they are doing their 2 year financing through, TD Retail Card Services. After almost an entire month they finally took the second charge off. Now they have charged me 2 months in a row a {$27.00} late fee, when I am paying the amount that it says is due {$37.00} on the due date online. It says the amount is processed on that day, and yet they charge me the late fee. They took the first one off but I have n't heard back on the second yet. I think after doing the math, they put the wrong payment due and it should actually be XXXX per month for a 24 month finance plan. But them messing up should not result in me getting charge late fees. I should not have to make up for their mistakes, which is obvious on their end from the amount of trouble I am having. And when I try calling I get put on hold and get the run around as nobody seems able to just give me what I feel should be easy answers. All of these issues should be very straight forward.