davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-02
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (AZ)

On XX/XX/XXXX I made payment, XXXX, to JC Penney Credit, Synchoney Bank VISA card. 
The payment was made to a closed account of my wife who died XX/XX/XXXX. 
I have been trying to get this payment to be credited to my JCP Visa card account opened in XX/XX/XXXX. As of this date XX/XX/XXXX the account balance is still incorrect. 
I have have contacted Syncrony Back Customer Service many times without resolution. 
I have been charged Late Fees and interest charges. On XX/XX/XXXX I deposited a check from Synchrony Bank for {$250.00} which bounced.
Consumer complaint received 2023-04-06
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.
Consumer complaint received 2019-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

THERE ARE MANY ON ALL THREE CREDIT REPORTING COMPANIES THAT ARE INCORRECT OR INQUIRIES THAT I MYSELF NEVER DID AND ALSO DIFFERENT CARDS STATING NOT PAID THAT I PAY OFF EVVVERY MONTH!!!!!
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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 XXXXXXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-06
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)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXXXXXX XXXX : {$10000.00}, XXXX XXXXXXXX Balance : {$290.00}, XXXX XXXX Balance : {$2200.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2019-05-02
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: ERC (LA)

Alleged debt occurred XX/XX/2016 by ERC XXXX, FL. Upon sending Proof of Debt letter ERC retracted their claim. Contacting XXXX trying to obtain 1st report of debt they were rude, evading and hung up on me several times. Upon beginning of calls I was informed of possibility of recording, I informed them of my possibility of recording, they hung up, saying they wouldn't except recorded calls ... ..can you believe that! All I'm trying to do is obtain the length of time this was on my report. Their response is if it's not on my report they can't provide it. Yet it Can be on for 7 yrs. So, anybody they approve can damage my credit until I DISPUTE IT, but they can't even tell me how long it's been on my credit as evidence of past harm ... ..
Consumer complaint received 2022-11-30
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)

On XXXX XXXX, I used cfpb to file a complaint to Equifax to resolve issues on my consumer report to non avail. XXXX XXXX continues to report on my consumer report. What method of verification was used to validate and/or update this account? Several violations have been committed. I never gave written or oral consent for any information to be reported either. There is also no permissible purpose in reporting pursuant to 15 USC 1681. I am also a victim of identity theft and am attaching a copy of my identity theft report from the federal website ( www.identitytheft.gov ), along with my Drivers license. This report was not made in error, nor did i benefit from the opening of this account. Pursuant to 15 USC 1681c-2 the account must be blocked no later than 4 business days of receipt and statement that this acct is a result of identity theft.
Consumer complaint received 2023-04-06
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 2023-04-06
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. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate again the unverifiable items and update them immediately in my report! 
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 2022-03-30
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

I requested complete validation of the alleged debt. The letter I received from the collection agency did not include any information which validated the debt. 

I asked for : A detailed breakdown of any fees including all collection costs and medical charges as well as a copy of my signature with the provider of service to release my medical information.
Consumer complaint received 2023-04-06
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. (PA)

This is my 1st endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX  XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXXXXXX XXXX : - XXXX XXXX  XXXX XXXX XXXX Balance : {$4500.00} XXXX XXXX  XXXX XXXX Balance : {$3300.00} XXXX  XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX
Consumer complaint received 2019-09-25
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)

since XX/XX/XXXX I've been a victim of Identity theft I also was robbed of my Identity when I was moving out of a home in XX/XX/XXXX I filed police reports about both incidents so I been disputing inaccurate information that's being reported on my credit report by all 3 beaus and they refuse to remove them from my report I've disputed also with the creditors and they have not responded to my disputes. Bank accounts has been opened in my name with XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, accounts with XXXX XXXX, XXXX, XXXX and XXXX I've disputed all these accounts and I reported Identity theft with the FTC, XXXX XXXX and XXXX County Sheriff Offices, You guys are my last result before I lose my mind about this so please help me to resolve these issues an remove the from my credit and Banking reports.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-09-25
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. (DC)

In XXXX XXXX 's response dated XX/XX/XXXX, the company stated that they have verified the account by basically providing my personal information as verification. The company further claimed that because the account was opened online then they have no record of the signature. This is both invasive and frightening. The company should have had signature regardless of where the account was opened. Providing my personal information as proof that I was the one who opened the account is farcical as it is ridiculous. Identify thief happens everyday and if all the company needs to prove that it's a valid application is the person 's information is a ridiculous and dangerous assertion. The FDRA clearing states that the company MUST provide a copy of the application with my signature on it to  prove origin and ownership of the account otherwise the account MUST be removed from my credit report immediately. 

Furthermore the company chronicled the account being opened on XX/XX/XXXX and sold to XXXX XXXX on XX/XX/XXXX. Yet XXXX lists the account as being opened on XX/XX/XXXX even though that account had been in existence for almost two years prior. The fact that XXXX has posted erroneous information regarding the origins of this account means that this account MUST be deleted IMMEDIATELY from my credit report. 

It must also be noted that in the letter forwarded by the companies XXXX XXXX and XXXX deliberately withheld information regarding the amount that the account was sold to XXXX XXXX XXXX for. That information is important because if XXXX XXXX were paid an amount for the account. That amount should be subtracted from the amount that XXXX is claiming to be owed. The fact that XXXX is claiming the original amount owed but yet refused to provide proof of that amount is sufficient reason to question the balance being claimed and hence that inaccuracy is grounds for the account to be deleted from by credit report immediately. 

I remain committed to pursuing monetary compensation from all the companies involved with respect to the negligence shown in responding in an prompted manner, the blatant disregard for good faith due diligence and the continued stonewalling while my credit continues to suffer.
Consumer complaint received 2019-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CA)

I am trying to qualify for a mortgage loan. In order to do so, all three credit bureaus need to be checked. All of the bureaus checked out except Equifax, which is claiming fraud on my account. I can not create an account online due to error code NH. Upon calling, I was told to fax in two forms of ID. The customer service representative first gave me the wrong fax number. I called again, got the right fax number, and sent the documents. Equifax refuses to verify they have received the documents until 5-7 business days later, despite that sensitive security information is being sent over. 5 days later I call in and was told the documents had not been received, and to send them in again and call to confirm receipt. I did as told, and when I called to confirm receipt they told me again it would take 5-7 business days. After 7 business days I call again and am told the documents were not received, probably because they were ineligible but the rep was unsure of why not. I have probably talked to 15 different Equifax people since then via email, phone, and website chat. They have no option of emailing in the documents and no way to verify they have received the information. I just want to get my home loan but am about to lose my first home purchase due to Equifaxs sloppiness. Every time I call a rep gives me new instructions of what to do, I have even XXXX over the documents to them and they still cant fix the problem that they created in the first place. My credit score works for every other bureau. They keep telling me there is nothing they can do.
Consumer complaint received 2019-09-25
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (CO)

Navy since XX/XX/XXXX has illegally put hold on {$9900.00} Checking and ( {$9800.00} in savings for no explanation Navy has illegally transferred {$9900.00} to payment of line of credit but is still holding the {$9800.00} in savings to date In the mean time they are reporting my payments late to the credit Bureaus If they can illegally take the checking {$9900.00} why are they holding the {$9800.00} savings They were both deposited on same day The funds obviously are good or they would not have illegally taken the {$9900.00} in the checking to pay the payment on the line of credit Navy has continued to lie to me as for a legit explanation Navy is a bunch of thieves
Consumer complaint received 2019-09-25
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BBVA FINANCIAL CORPORATION (TX)

Was given til XX/XX/2019 to purchase flood insurance by bbva. I did so and my insurance agent sent the proof of insurance on XX/XX/2019. He also called to make sure everything was received. On XX/XX/2019 bbva purchased flood insurance on my behalf then cancelled it and only refunded me a portion of the premium back. Cost of premium was XXXX and refund amount was XXXX. I did what was asked if me on time. The letter just says to respond by XX/XX/2019 and I did that several times also. Still I had proof that I purchased flood insurance before the deadline and all the info was sent to bbva on the XXXX of XX/XX/2019.
Consumer complaint received 2019-09-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SUNTRUST BANKS, INC. (FL)

I went into SunTrust Bank on XXXX and deposited a check for {$2100.00}. I was assured by the teller that it would be deposited and the funds made available 24 hours later. The very next day on XXXX, I had no access to the online banking portion of my account. I went back to SunTrust to see what was going on, I was told by the personal banker that they suspected the funds were not in the payer account to cover the check. She then asked for a screenshot of the the check issuers bank account, showing they had enough money to cover the check. ( which I thought to be completely unprofessional ) I spoke to the issuer and they were willing to comply with the request for the screenshot, but then the personal banker said she didn't need it anymore because the issue was being investigated. I figured all of this would be worked out by the next day on XX/XX/XXXX, so I returned home. The next morning on XX/XX/XXXX I received a letter in the mail from SunTrust stating that a hold has been placed on the funds until XX/XX/XXXX. I then contacted SunTrust to see what was going on and how we could resolve this, again. I was told my account was frozen and would be closed " due to rules and regulations violation, '' representatives for SunTrust told me that there was an investigation taking place because the signature on the check had not been verified, but as long as the check cleared on the XXXX at XXXX XXXX. my account would be retained by SunTrust and there would be no issue. Of course, the check cleared on the XXXX at XXXX XXXX as I knew it would, but now I am unable even get a stop payment put on the check because SunTrust has cashed it with XXXX XXXX, which is the issuer 's bank. I have called every day trying to seek a resolution, but keep getting told there is an investigation and my account will be closed when the investigation is done. 

I believe SunTrust is in a direct violation of the Expedited Funds Availability act of 1987. They have denied access to my account and any funds for way longer than the law allows. Also, I believe them to be in direct violation of their own account rules and regulations. 
Title 12, Chapter 41 of the US Code and Title 12, Part 229 of the Code of Federal Regulations [ 1 ].

It will take 5 to 10 business days before the investigation is complete, 5 to 10 business days for my account to go into " closing status '', and another 5 to 10 business days before they would send the check for my remaining balance and I have already been cut off from all my funds for 8 days. My  power is off, I have XXXX small children and my car insurance is due. We can not survive. 

Someone please reach out to me. At the earliest possibility, as I previously stated my power is off and we have no way to feed our children.
Consumer complaint received 2019-09-25
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: CITIBANK, N.A. (TX)

My Macy 's account was closed and charged-off. Macy 's kept the account in-house and I made payment arrangements to pay the account with XXXX XXXX XXXX XXXX. For each month that I made a payment, Macys ( Citi ) continued to report the account as charged off each month. The definition of a charge off : A statement by a creditor ( = someone who is owed money ) that a debt will probably not be paid and is counted as a loss. For most account types, a charge off will occur after 180 days of missed payments. 

A charge-off can only occur ONCE in the lifetime of an account. A charge-off is a single ( singular ) statement that an account most likely will not be paid. 

Macy 's ( Citi ) Is re-reporting the original charge-off that occurred on the account every month EVEN WHEN I HAVE BEEN MAKING PAYMENTS. 
XXXX shows FP for this account every month which means Failed to Pay. On another screen in XXXX it shows CO every month for Charge off. This is NOT fair credit reporting. An account can only be charged off ONE TIME. Why does a creditor, that keeps an account in-house get to continuously report the account as a charge off every month? Not a single person from Macys, Citi or the CFPB could show me anything in writing that states If a creditor keeps your charged-off account in-house they can report the charge-off every month until paid I am going to need to see proof of that in writing effective before my accounts were charged off to agree with this process. 

Fair credit reporting is important. My account was charged-off, I take responsibility for that, and I am paying off the balance. You all need to do one-of-two things. Add a CP for charge off being paid or charge off in payment status OR only show the original singular date of charge off. THAT is accurate credit reporting. Showing FP and CO every month for accounts that are or are not being paid is malicious and spiteful. 

I dont want this changed on just my account, I want it changed for EVERYBODY and I want it retroactive for all the accounts that are impacted. My account was in good standing for 5 YEARS before I reached my financial fail and this is the payback I get for paying this account IN-FULL, balance fees interest and all. They get a tax write-off for the charge off. Do they have to pay the IRS back?? 

I want to see documentation that this creditor can perform this type of monthly negative reporting on my credit report in writing or I want all the credit reporting RETROACTIVLY changed for EVERYONE who has had this experience with any and all creditors.