davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-14
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: NAVY FEDERAL CREDIT UNION (PA)

I am dire straits due to the excessive returned fees on my account. I have over 15 {$29.00} charges on my account. I am trying to get my account out of the red and then I have another return fee. The bank has only returned 2 fees, which is no help
Consumer complaint received 2020-07-24
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. (MD)

I have several items that are listed on my credit report that are not mine and are fraudulent, errors and incorrect as none of the accounts are mine. XXXX XXXX appears on my report and I have requested this fraudulent account be removed from my report as letters were sent in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX This account is keeping me from buying a home and making it impossible to move forward with my life. 

XXXX XXXX - balance is showing as {$140.00}, dates open XX/XX/XXXX closed XX/XX/XXXX.
Consumer complaint received 2018-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX, XXXX, Transunion, have been reporting incorrect items on my credit which my family and I tremendous turmoil and hardship. I have submitted a total of 3 letter disputing the issue including submitting court documents reassuring my claims to no vial. 
enclosed, please find letters with supporting documents previously sent to the companies above.
Consumer complaint received 2017-08-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUSTMARK CORPORATION (TX)

I did an owner finance with XXXX and XXXX XXXX I was told by Trustmark National Bank to only pay them my mortgage as XXXX XXXX are not to be paid any longer. The XXXX 's and Trustmark are refusing to provide an audit of my payments and payoff of the mortgage. I have provided the contact information of both below. I estimate my payoff to be XXXX EMAIL for XXXX XXXX  XXXX XXXX Cell : XXXX  XXXX XXXX Vice President Trustmark National Bank XXXX XXXX XXXX XXXX, Texas XXXX P : XXXX F : XXXX E : XXXX NMLS # XXXX
Consumer complaint received 2022-05-02
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. (NY)

My name is XXXX XXXX XXXX , I am a federally protected consumer and authorized representative for XXXX XXXX XXXX I am making this complaint of my own accord. Upon recent inspection of my consumer report feel my rights as a consumer have been violated by credit reporting agencies XXXX XXXX, XXXX and Equifax Information services. According to the FCRA, the ONLY " bureau '' is the CFPB. While I understand the credit reporting agencies have assumed a role in reporting, it is FEDERAL LAW that the information be ACCURATE! Pursuant to 15 USC 1681a ( d ) ( 2 ) ( B ), the term " consumer report '' DOES NOT INCLUDE - any authorization OR approval of a specific expansion of credit directly OR indirectly by the issue of a credit card OR similar device. I extended my social security card which is defined under 15 USC 1602 ( l ) as a " credit card '', for the purpose of obtaining money, property, labor or services on credit. Neither of the credit reporting agencies have my consent or permissible purpose to furnish the following inaccurate and not physically verified private personal information : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2021-06-24
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. (FL)

There is a company reporting on my credit report by the name of XXXX XXXX. I have never heard of this company or even seen them in my area. This is really hurting me because I was involved in an accident and Im not able to do much right now. This is causing me emothional distres because I have been denied for jobs because of my credit. I did not give them permission to do anything to my report and I dont even know how they got my information.
Consumer complaint received 2018-10-27
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. (AZ)

I have disputed the late payments on this XXXX/XXXX   XXXX, XXXX XXXX, XXXX XXXX XXXX accounts for months.The credit bureaus did not reverse the late payments.. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Consumer complaint received 2018-02-17
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: Experian Information Solutions Inc. (NY)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Credit Bureaus are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts Credit Bureaus post on a credit report. Otherwise, anyone paying for Credit Bureaus reporting services could fax, mail or email in a fraudulent account. 
I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) Credit Bureaus have on file of the XXXX/ XXXX XXXX XXXX XXXX account .Ive Been trying to verify this account for six months from XX/XX/XXXX - XX/XX/XXXX and the Credit Bureaus failed to positively verify these accounts and has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof. 

I ENCLOSED A COPY FROM XXXX  REPORT SUMMARY STATING THAT THE ACCOUNTS XXXX/ XXXX WAS UNVERIFIED AND WAS DELETED.
Consumer complaint received 2022-12-27
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (CA)

This is in addition to the complaint # XXXX I have attached additional document information please see attachment in regard to Synchrony Bank continuing to escalate charges on my account saying I have not paid my account. It started with Synchrony missed applying my payment on time from there it keeps escalating additional charges there is no end to it. I would appreciate assistance in informing Synchrony Bank to Stop adding fees to my account ending in XXXX saying I owe more than the minimum amount. Synchrony Bank is continuing to add bank fees every month.
Consumer complaint received 2020-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I noticed several hard inquiries on my credit report. I reached out to XXXX the company who pulled the hard inquiry, after several week going back and forth XXXX XXXX XXXX informed me on XX/XX/2020 they would notify Experian to update the inquiry from a hard inquiry to a soft inquiry. As of today XX/XX/2020, nothing has been.
Consumer complaint received 2020-01-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (MI)

Statement provided by Mr Cooper on XX/XX/2020 show amount due of XXXX, by XX/XX/2020. 

After logging into account on Mr Cooper website on XX/XX/2020 it shows amount due XXXX by XX/XX/2020, without any breakdown or justification for increase. 

I called Mr Cooper on XX/XX/2020 to get clarification and explanation for increased amount due. I was told that I had " received bad information '' on the statement. However, they could not provide any evidence to support the increase, and continued to try to push me to agree to have my escrow balance recalculated that day. I repeatedly declined, and continued to request justification for the increase. They were unable to provide any evidence for the increase, and are simply forwarding on to another department, which will not review the concern until after the payment is due.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I've recently reviewed my consumer report and noticed that there are negative accounts reporting on my consumer report that are INACCURATE and were open with an address I HAVE NEVER LIVED. ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX Florida 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 Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. I contacted XXXX and Transunion and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me. This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof
Consumer complaint received 2024-02-27
Product: Credit reporting 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. (IL)

I have inquiries on my report and collections on my report that I did not authorize and I have tried to clear this up with XXXX and the other bureaus as well. This is causing serious harm to my credit and we have started litigation on the matter, This violation of 15 USC 1681B permissible purpose and these things were not done by me and need to be taken of asap.
Consumer complaint received 2018-10-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have been turned down living circumstances and other financial services because XXXX and trans union XXXX all 3 agencies have been contacted to no avail. Information on reports is past the reporting periods even bankruptcy. 

They were told they could receive fines but just hang up. There are addresses that are not mine and names. 

Ive even paid agengies. But having a denial of a place to live is now causing me great personal harm
Consumer complaint received 2018-10-25
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (VA)

Applied and approved for {$2500.00} XXXX card in XXXX after moving. Have never received a card or a bill, called in late XXXX, new card issued, again never received. Can't make a payment as I don't know my account number. Can't get account number from XXXX, they won't issue it without the card. 0 late payments on my credit report now tainted. I just want a card issued, late charges removed so I can pay my bill.
Consumer complaint received 2018-10-25
Product: Vehicle loan or lease — Lease
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: General Motors Financial Company, Inc. (CO)

I have contacted GM several times over the past year regarding online bill pay issues and my issue has never been resolved. In the past year, the payment system had issues, went down, reported the incorrect amounts due, the auto pay stopped working for us on only 1 of our accounts ( we have 2 loans through GM and money is taken out of same bank account ). At one point for 2 months, I received a message through the online portal that the system was experiencing issues and " nobody would be charged a late fee or be reported to the credit bureaus ''. This was a lie. 

I have attempted to resolve this issue several times with no success due to never being able to figure out what the issue is with the customer service team. Now my credit report states that I have been late in XXXX, XXXX, and XXXX. I have another account through GM with the same bank account, and have never been late. This account is the only one I've had issues with and getting them resolved seems impossible. My perfect credit score has been ruined from this experience. The lack of customer service is appalling and uncalled for. I just spoke with a woman on the phone who did not listen to a word I said and basically told me I was lying about what I was telling her and arguing with me at every turn. Instead of trying to understand, she just kept interrupting me and finally I asked to speak with a manager. I was transferred to XXXX who was equally as unhelpful. 

Previously, last week on XX/XX/18 I spoke with a man in customer service who told us that the past due amount was {$40.00} and we could pay it online and all would be fine and all would be caught up and if we disputed the issues on the credit report, he would enter a note so that the errors were corrected. He never said that we had a past due PAYMENT. We paid the amount of {$40.00} and now the system says we owe over {$1000.00}. I can not seem to get a straight answer of what happened or where the error occured because I'm not being heard. Because of this, my credit score has been affected and I believe that is unfair due to the fact that I have been calling in and communicating via the online system and still am having issues that clearly haven't been resolved. This is one of the worst experiences I have ever had paying any of my bills. I'd like to have this resolved immediately however the only thing I am hearing from the customer service department is " I understand, there's nothing we can do over the phone. '' The manager also said she wasn't responsible for what her employees say and told us he failed to write notes in the file based on promises that were made.
Consumer complaint received 2023-03-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: FIRST NATIONAL BANK OF OMAHA (MN)

1.I have never had an account with this company FIRST NATIONAL BANK OF OMAHA , REMOVE from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are FIRST NATIONAL BANK OF OMAHA the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. 
8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
Consumer complaint received 2022-10-15
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: Experian Information Solutions Inc. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Acct # 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2019-03-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LANIER COLLECTIONS AGENCY AND SERVICES INC (GA)

This has been my second attempt at trying to get this issue resolved. I filed a complaint about LCA ( Lanier Collections Agency ) having a {$140.00} negative collections item on my credit report. I did not owe this debt due to my insurance coverage at the time of services. LCA was informed that I had coverage with t providers. They advised that it was not up to them nor the original creditor to file with both providers, but that is inaccurate. It was the providers ' responsibility to bill both providers. 
On XX/XX/19 I contacted XXXX XXXX XXXX, now XXXX XXXX, and they advised that this bill is NO LONGER owed by me, and that they emailed LCA advising them that item should be removed from my credit profile prior to our conversation. XXXX   also advised they would email LCA again on XX/XX/19. I did a follow up call on XX/XX/19 with LCA and the rep advised me that XXXX had more than likely made a mistake, and that the charge was still valid and that they had to investigate. My reply was that if they had an email confirming that the debt was not owed by the original debtor why would they not remove the item. The rep did not have an answer ...
Consumer complaint received 2020-07-16
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: ENCORE CAPITAL GROUP INC. (VA)

There is a hard credit check for a mortgage company but I never applied for anything like that. Company is XXXX-midatlan and its from XX/XX/2019 XX/XX/2019
Consumer complaint received 2020-07-16
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: SYNCHRONY FINANCIAL (MA)

When logging into my account on a new device on XX/XX/2020, I was prompted to choose where I would like my security code sent. While I have never provided a phone number to Synchrony for this purpose, it displayed 3 partial phone numbers, 2 of which definitely did not belong to me. One appeared to be my current cellphone number, but the other 2 numbers are not mine and I wasn't sure where they came from. 

I contacted Synchrony on XX/XX/2020 about this issue and they said they had no control over them and they " use a 3rd party database that matches phone numbers to you ''. I find this an unacceptable and clearly unreliable way to provide security codes for personal bank accounts.
Consumer complaint received 2018-10-27
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: Experian Information Solutions Inc. (AZ)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft.. CFPB please remove XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2018-07-29
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (UT)

I have applied to have my loan consolidated two times with XXXX XXXX, and they have not taken any action to consolidate my loans. Every time I try and call in, they hang up, and the monthly bills are vastly inconsistent, and extremely high given my income. I have been denied my applications to move to other payment plans such as XXXX, due to bills not being paid due to the fact that I never received these bills ; they simply appeared after the fact in the system.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.