davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-02
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: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting Act, the list of account ( s ) below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX  XXXX, has violated my rights under 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 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 XXXX XXXX XXXX  which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) states : 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 2020-07-14
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)

THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.
Consumer complaint received 2024-01-02
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL (NY)

I am writing to formally dispute a charge on my credit card related to XXXX XXXX : XXXX XXXX, specifically the purchase of a XXXX XXXX XXXX XXXX XXXX XXXX the amount of {$360.00}. I appreciate your attention to this matter and kindly request your assistance in resolving the dispute. 
On XX/XX/2023, the XXXX XXXX XXXX XXXX XXXX XXXX which was scheduled for delivery on XX/XX/XXXX, was supposedly left at my mailbox without the required signature confirmation / One time password. According to the USPS tracking information : XXXX, the item was marked as delivered a day before the expected delivery date. The failure to obtain a signature or one time password, as initially specified for delivery, raises concerns about the security and integrity of the delivery process. 
Subsequently, on XX/XX/2023, I contacted XXXX customer service to report the missing package. To my surprise, I was informed that a refund would only be processed if I filed a police report. However, I firmly believe that the responsibility for the missing package lies with XXXX and their chosen delivery service, as the package was left without the required signature and no one time password was requested or provided to carrier. 
In light of this situation, I promptly contacted Synchrony Bank on XX/XX/XXXX for guidance. The customer service representative I spoke with reassured me that it is not my responsibility to file a police report and, in fact, advise me to dispute the charge. Consequently, based on this guidance, I am formally disputing the charge of {$360.00} for the XXXX XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX. 
I have attached relevant documentation, including order confirmation, XXXX requiring signature / one time password for the order and USPS tracking information, indicating the premature delivery and lack of signature confirmation. I kindly request that you investigate this matter and assist in the resolution of the dispute. I believe it is unjust for me to bear the responsibility of filing a police report for a package that was not delivered according to the agreed-upon terms. 
If further information is required to expedite this process, please do not hesitate to contact me at XXXX or XXXX. I appreciate your prompt attention to this matter and thank you in advance for your assistance in resolving this dispute.
Consumer complaint received 2019-03-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL (IL)

On XXXX XX/XX/19 I purchased an item off of XXXX ( amount {$570.00} ) and charged it to my Paypal credit for 6 easy payments with 12.99  % interest, but, it turned out to be the seller was a decoy seller and XXXX refunded the {$570.00}. 

Paypal credit instead of applying the refund to the original transaction, they applied the refund on my other deferred interest plan ( no interest for 6 months ). So I contacted Paypal credit ( around mid XXXX ) regarding the issue as I am being charged 12.99 % over a transaction that was refunded. They indicated they will apply the refund to the original transaction and the adjustment should reflect on my next statement. 

My statement arrived, and it NOW shows the the original amount of {$570.00} has a remaining balance of {$860.00} with the purchase amount of {$1000.00}. I contacted them for the second time around the end of XXXX and did not get a resolution. I then again contacted them for the third time on XX/XX/19 and till this date still no resolution. 

I am attaching my online statement that shows the purchase amount of {$1000.00} with the remaining balance of {$860.00}. I am also attaching my paper statement in regards with the same transaction, but the same indicated a purchase amount of {$570.00}. I also highlighted the referenced information.
Consumer complaint received 2021-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (WV)

On XX/XX/2021, I filed a complaint to the CFPB, XXXX XXXX XXXX XXXX, XXXX, XXXX, Equifax, and XXXX XXXX XXXX XXXX regarding a payment issue whereby I had OVERPAID the XXXX XXXX XXXX by {$750.00} and UNDERPAID XXXX XXXX XXXX XXXX by the same {$750.00} amount. As a result of this complaint, a XXXX XXXX Senior Specialist in Corporate Customer Relations promptly researched the issue, verified the payments, and corrected both the XXXX XXXX XXXX XXXX account to reflect paid and current ( NO adverse entries on my revolving account ) AND she generated an AUD Correction Update to XXXX, XXXX, and Equifax to notify them of the correct payment, correct balance, and to ensure the removal of any adverse payment information that may have been previously reported to these three credit reporting bureaus. The date of this AUD Correction Update was XX/XX/2021. I noted that both XXXX and XXXX promptly corrected their records and my credit score was immediately restored upward by both, 91 points, an exact reversal of the earlier, derogatory entries. I received no acknowledgement of the correction from Equifax. However, on XX/XX/2021, I received an alert that Equifax dropped my credit score by 91 points. Upon further research, I noted that Equifax appears to have entered the AUD Correction Update as an if reflecting INCREASE of {$750.00} to my XXXX XXXX XXXX XXXX balance, not a DECREASE of this amount - thus creating yet another derogatory entry to my credit record with the Equifax firm. I am requesting that the AUD Correction Update be reviewed and if entered incorrectly, CORRECTED to reflect an accurate record of payment and balance on my XXXX  XXXX XXXX XXXX account.
Consumer complaint received 2019-03-19
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. (FL)

Dear Sir or Madam, I reviewed a copy of my credit report and I noticed unauthorized inquiries had been made by the following companies : XXXX XXXX XXXX Inquired on : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX Inquired on : XX/XX/XXXX XXXX  Inquired on : XX/XX/XXXX XXXX XXXX Inquired on : XX/XX/XXXX XXXX XXXX   Inquired on : XX/XX/XXXX XXXX XXXX  Inquired on : XX/XX/XXXX XXXX  Inquired on : XX/XX/XXXX I contacted the above mentioned creditors and asked them to remove their credit inquiry from my credit profile on several occasions however all of the inquires have not been removed. Im request that you remove these inquiries on my credit report and send me an updated copy of my credit report. I'd like the credit bureaus to please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation if the above credit inquiries are not removed. Thank you for your assistance in this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2021-12-02
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. (FL)

I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT : XXXXXXXX XXXX-Date of inquiry XX/XX/XXXX XXXXXXXXDate of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXXXXX-Date of inquiry XX/XX/XXXX
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I am writing to file a formal complaint against TransUnion regarding their failure to address the inaccuracies on my credit report and incorrect personal information, despite my efforts to rectify the situation. 

On XX/XX/XXXX, I mailed a dispute letter to TransUnion via USPS certified mail with tracking number XXXX XXXX XXXX XXXX XXXX XXXX, requesting an investigation into inaccurate items on my credit report and disputing incorrect personal information. These inaccuracies and incorrect personal details have adversely affected my financial standing and credibility.

I made sure to include a copy of my photo ID, social security card, and recent bill with my current address to help TransUnion verify my identity and address.

I received a response back from TransUnion dated XX/XX/XXXX, stating the following : We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. According to the FCRA, if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 

In addition, On XX/XX/XXXX, I mailed a dispute letter again to TransUnion via USPS-certified mail with tracking number XXXX XXXX XXXX XXXX XXXX XXXX XXXX, requesting an investigation into inaccurate items on my credit report and disputing incorrect personal information. But despite my efforts to comply with the Fair Credit Reporting Act ( FCRA ) guidelines and provide all necessary information, TransUnion has failed to acknowledge or act upon my dispute within the legally mandated timeframe. I did not receive a response back from TransUnion with the investigation results.

I have taken significant care to ensure the accuracy of my credit report and to protect my financial reputation. However, TransUnion 's failure to respond appropriately has caused unwarranted stress and financial implications for me.

It appears that TransUnion has violated my consumer rights by not conducting a reasonable investigation upon receipt of my dispute, which they are required to do in accordance with the Fair Credit Reporting Act.

I am seeking prompt intervention from the Consumer Financial Protection Bureau to compel TransUnion to conduct a thorough investigation into the disputed items and incorrect personal information on my credit report and to take necessary corrective action as per the FCRA guidelines.

I am including a copy of my dispute letter sent to TransUnion, USPS-certified mail proof of delivery, along with TransUnions response as proof.
Consumer complaint received 2018-03-07
Product: Credit card or prepaid card — Store credit 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: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/2018, a purchase was made with an out of state address. I notified the company within the hour of the purchase. They refused to cancel the order and refused to file fraud. The order number is Order # XXXX. The supervisor I spoke with is XXXX XXXX ( employee number XXXX ). The purchase amount is {$230.00}.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The information has never been verified to be accurate, complete, timely, or validated. You must provide documented proof of compliance reporting standards and applicable consumer laws. The information is deficient. I demand that imperfect, inaccurate, incomplete, and unverified information be deleted immediately.
Consumer complaint received 2018-02-16
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)

Previously disputed a Chapter XXXX   bankruptcy reporting on credit report.  Asked for proof of accuracy of reporting and indicated that 7 years from discharge has passed and bankruptcy should be deleted.  Credit bureau responded that investigated and found information to be accurate.  However, credit bureau has not and continue to omit any requested documentation proving verification.  I have contact court and XXXX XXXX and have been advised by the court that they do not provide verification and representative from XXXX XXXX  has indicated that they have not record of investigation by credit bureau and they have not verified any information to third parties.
Consumer complaint received 2022-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (MO)

Hard inquiries on my credit report and its saying my credit report down, I dont recognize these charges In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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 a account without my written instructions
Consumer complaint received 2022-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I was to participate in a research study conducted by XXXX XXXX. Prior to the research study I had to take a XXXX XXXX XXXX, health history questionnaire, and a XXXX XXXXXXXX to be screened for eligibility. I passed all requirements and asked XXXX XXXX and XXXX XXXX if i was eligible and was told I was. I was informed I would be scheduled for follow up appointments to start the study. My current insurance coverage did not cover the XXXX XXXX so i paid out of pocket on XX/XX/2019 in the amount of {$470.00}. 
I reached out to XXXX XXXX with my schedule to be scheduled and never received a callback/email from him or XXXX XXXX 's office. I would like a resolution to this and a refund because I was not provided services promised. When trying to dispute the transaction with Bank of America they replied that they would not be able to refund the money and would have to escalate the matter.
Consumer complaint received 2019-03-19
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NV)

NMAC reported a charge off reporting to the three credit bureaus - I have a letter from NMAC dated XX/XX/2016, they accepted the settlement amount of {$3600.00} and would report the loan as paid full and remove the charge off. They reported the charge off almost two years later. I disputed the charge off with the credit bureaus but it came back as accurate. I did not communicate with any collection agency only with NMAC. 

My understanding is that if they sent the letter and received payment for the balance of the loan why do they get to report a charge off. I did not receive a XXXX from them so how do they legally get to write off a loan that has technically been paid.
Consumer complaint received 2018-03-07
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (CA)

Greetings, I've spoken to numerous representatives and supervisors at Loan Depot about 2 short mortgage payments which they informed me could not be processed and would send the payments back to me in a form of a check. We have been dealing with this issue since XX/XX/XXXX. I received check # ( XXXX ) in the amount of {$1800.00} recently on XX/XX/XXXX and the other check ( XXXX ) which was issued on XX/XX/XXXX was supposed to be stopped & reissued I was told by a rep ( XXXX ) I  would receive my check by XX/XX/XXXX. On XX/XX/XXXX I spoke with XXXX who informed us that my check was still in a suspension account. At that point I asked if I could just make a payment for the difference so that they could process the payment in full. I was told they would be able to accommodate my request. We made a payment over the phone in the amount of {$95.00} to ensure the full loan amount of {$1900.00} would be applied to my XX/XX/XXXX mortgage payment. They assured me they would wave all late charges. The situation was still not resolved I called again and spoke with a Rep name XXXX ( sorry for the spelling error ) he informed me that the misapplied funds were not put into their system correctly to fix the issue. He then assured me that he could fix the problem because it was just a clerical error. He stated it was a matter of putting in the correct code. I asked to speak to a Supervisor he told me XXXX XXXX was going into a meeting and not avail but they would fix the issue. On XX/XX/XXXX I spoke with XXXX XXXX who stated he was a supervisor he acknowledged he understood the situation asked us to give him the opportunity to correct the issue before we went ahead and pursed legal matters. He stated he would make sure the misapplied payment would be applied to my XX/XX/XXXX mortgage payment. All late fees that were assessed would be reversed any negative reporting to my credit would be reversed. I asked for all of this in written which he said could not be given. I asked for an email address he said he would give me that either. I've called to ask for a corporate number which they say they don't have. I've been transferred and hung up on numerous times. XXXX has not called me to make sure this situation gets resolved.
Consumer complaint received 2018-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

this account was paid in full and was never late are Charge-off please removed this incorrect information from my credit report thank you. 

XXXX Account Number XXXX Account Type Credit Card Terms Revolving Date Opened XX/XX/XXXX Account Status Closed Payment Status Paid Payment Status Details Paid satisfactorily Status Updated XX/XX/XXXX Balance $ - Balance Updated - Credit Limit {$750.00} Past Due Amount $ - High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX  XXXX XXXX XXXX, VA XXXX Ownership Individual Original Creditor - Company Sold-to
Consumer complaint received 2022-02-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (VT)

I've had Navient as my student loan servicer for many years. A couple weeks ago I transferred my large student loans to a new servicer ( XXXX XXXX ). The payoff to Navient was complete on XX/XX/2022 as is reflected on my Navient account page. Navient received the full amount ( in fact a slight overpayment ). Just for good measure -- to be extra safe -- I turned off auto-pay and deleted my bank account information from my Navient account. Did that 2 days ago. Maybe XXXX. This morning ( XX/XX/2022 ) I see Navient has withdrawn the usual amount ( XXXX ) from my bank account. WITHOUT AUTHORIZATION. And without my owing a penny. 

This is theft. Any other descriptions are doublespeak. They stole the money today. I want it back today. 

Whatever help you can give me will be appreciated. 
THANK YOU.