davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (MD)

I filed a recent complaint against Synchrony Bank with CFPB XXXX regarding Pay Pal always suspended my account. Synchrony Bank is over Pay Pal and I was sent a letter by Synchrony Bank that my credit accounts are in serious delinquency. I never requested a credit line increase with a Pay Pal Extras Master card. I believe the outcomes retaliatory because I filed complaints with CFPB that PAYPAL is conducting unethical practices and procedures. 
Synchrony Bank is misleading and fabricating to send me such a letter that I never request a credit line increase in a retaliatory manner to support PAY PAL 's deceptive practices of trying to enrich themselves by suspended my account maliciously. I had received another letter from PAY PAL on XX/XX/2020 suspended my account again. I will forward this information to the US Department of Justice, USTreasury Department, and FBI and State Attorney office for an investigation against Schrony Banks ' retaliatory, fraud ( that I request a credit line increase ) deceptive practices.
Consumer complaint received 2022-07-19
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. (CA)

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Equifax and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-01-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (WA)

I was behind before the pandemic and paid over {$3000.00} to avoid foreclosure prior to pandemic and then they started process anyway. I am almost XXXX XXXX XXXX and they are taking advantage of me. I went through forebearance during the pandemic and have been battling Mr. Cooper for over a year-they won't accept payments unless it is the full amount, so now it is {$20000.00} behind and they keep denying modification as well. They said my only options are short sell or deed in lieu. I don't want to lose my home. They have that {$3000.00} for 2 years and haven't applied it to my account. Can I please get some emergency financial assistance to get caught up. I couldn't work for almost XXXX years as I took care of my XXXX mother. She passed away in XXXX and I am more than capable of making current payments. I just need help with the back amount.
Consumer complaint received 2020-09-09
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: EQUIFAX, INC. (CA)

I was told that I would received results within 30 days when I file my first complaint. It has now been 40 plus days and I still haven't received anything so I guess it ok for them to LIE to me and just ignore my request
Consumer complaint received 2021-04-07
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. (CA)

I have 5 accounts reporting in my credit report that are not mine they do not belong to me in any way and I have not signed or used or even know how they appeared on my credit I need these off asap I have been disputing these with the bureaus since XX/XX/2020 and have not even seen a dispute opened or anything done with these I even ended up opening an FTC report and still nothing I am getting upset because of these accounts and dont understand why Im liable for these XXXX XXXX - Acct # XXXX {$2000.00} XXXX XXXX - Acct # XXXX {$0.00} XXXX- Acct # XXXX {$580.00} XXXX XXXX XXXX Acct # XXXX {$1400.00} XXXX XXXX XXXX Acct XXXX XXXX {$120.00}
Consumer complaint received 2023-04-05
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION (VA)

On XX/XX/2023, Truist Bank assessed a {$36.00} fee to my account balance at $ XXXX with pending transactions. However, the account was NOT negative, as of yet, where I was going to make a deposit and their policy is that when the account is negative then they will allow you until XXXX the next day to make a deposit. The policy was not implemented for my account and the {$36.00} overdraft fee occurred. This is not right and I would like to file a complaint against Truist Bank. 

There was another {$36.00} fee charged to my account when my account was overdrawn by only {$1.00}. I tried to XXXX an amount from another bank account with the instructions from a customer service agent through the Chat and she couldn't tell how to properly deposit the money so that my account would not overdraw. This would be a banking error. Yet, the {$36.00} was applied to my account.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have been going through troubling times. I haven't been able to receive any financial help through my credit due to false information reporting on my credit. This Account has several inaccuracies that relies within it and after asking to verify and remove the problem was never fixed. 
In Accordance to the FCRA ( Fair Credit Reporting Act ) 15 U.S.C. 1681, requires credit reporting agencies to adopt reasonable procedures for gathering, maintaining, and distributing information. It also sets accuracy Standards for creditors that provide data to agencies.

Cleary this law was not followed through, if I am STILL seeing inaccurate information on my credit reports till this day. Each of the credit bureaus is not correlating with each other and I am suffering due to incorrect and inaccurate information that is reporting, when this account was not mine in the first place. 
Inaccurate Accounts listed and the bureaus that's reporting it inaccurately : TransUnion : Account Number- XXXX Date Opened- XX/XX/XXXX High Credit- {$15000.00} Date Last Active- XX/XX/XXXX XXXX : Account Number- XXXX Date Opened- XX/XX/XXXX High Credit- {$0.00} Date Last Active XX/XX/XXXX How is this report considered accurate when the account number doesn't even match.
Consumer complaint received 2021-04-07
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. (CA)

I have 5 accounts reporting in my credit report that are not mine they do not belong to me in any way and I have not signed or used or even know how they appeared on my credit I need these off asap I have been disputing these with the bureaus since XX/XX/2020 and have not even seen a dispute opened or anything done with these I even ended up opening an FTC report and still nothing I am getting upset because of these accounts and dont understand why Im liable for these XXXX XXXX  - Acct # XXXX {$2000.00} XXXX XXXX - Acct # XXXX {$0.00} XXXX- Acct # XXXX {$580.00} XXXX XXXX XXXX Acct # XXXX {$1400.00} XXXX XXXX XXXX Acct XXXX XXXX {$120.00}
Consumer complaint received 2016-08-18
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: WELLS FARGO & COMPANY (CA)

Debt was discharged ( cancelled ) by the bank ; on or about XXXX, a XXXX sent by Wells Fargo to IRS stating balance of {$4800.00} as taxable. 

Now I am receiving repeated harassing phone calls trying to collect debt, as well as a letter from Wells Fargo filled with inaccurate detailing of situation. 

Have responded in attempt to rectify their records. No response back as yet.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Please rectify the error on my account by removing the incorrect late payment notation. I have always made timely payments and have never defaulted. This issue is significantly impacting my well-being and disrupting my sleep. I implore you to address this matter promptly and correct my account.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

TransUnion reports that I am 30-60 days late on the XXXX XXXX XXXX XXXX XXXX . I have submitted documents on the last complaint. They keep changing it back that I am late. The documents show that I was never late. And they won't talk to me on the phone about it, or they just hang up on me.
Consumer complaint received 2016-11-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: SECURITY FINANCE CORP (SC)

I have made numerous attempts requesting the validation of debt. I have requested on writing to the collection company and to the credit bureaus to provide me with a detailed breakdown of what I allegedly owed. I have not been given enough information to validate debt.
Consumer complaint received 2016-10-31
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (CA)

I applied for a Home Equity Loan from Wells Fargo. The loan was to pay for my Mother 's care for XXXX. I was the trustee for the property ( Mom 's house ), and there was about {$900000.00} in equity in the home. After several conversations and quite a bit of paperwork Wells Fargo told me the loan should be no problem, I had passed the first application and the rest of the process would more or less be a formality. Then out of the blue they sent me a note that I was not getting the loan for two reasons, one of which was that they " did n't offer that type of credit ''. Huh?
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI)

My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. 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 2022-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I sent letters about some items on my report. I have not received any response back. I feel like my letters are being ignored. This is very frustrating and this is causing me unnecessary stress. I have done my part and followed the law but I have not been awarded the same courtesy from the credit bureaus. I request a response and demand for these items to be immediately removed from my credit report.
Consumer complaint received 2024-03-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (NJ)

The company uploaded the bill that clearly had my name misspelled at my previous address after the time in which I last resided there. It was only uploaded once I filed the claim with consumer finance. Prior to my claim, Transworld Systems ignored my request for any documentation and/or to delete the misleading and false information from my credit report. The company is still reporting to XXXX XXXX after Ive provided them with the affidavit they asked for. Ive yet to receive any acknowledgment. They are currently in violation and reporting falsely.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am filing this valid complaint against the City of XXXX Az. for willful failure to comply with the federal Fair Credit Reporting Act ( XXXX ) administered by the FTC. 

The XXXX XXXX. is in serious violation of the Federal Fair Credit Reporting Act and has no intention of correcting their actions. For the past XXXX months I had been a candidate for the entry level position of Crime Scene Specialist. I was offered Conditional Employment in mid XX/XX/XXXX by XXXX XXXX Supervisors, pending the required background check. Unfortunately, the Det. ( E. Quals ) assigned to do the background check failed me and has refused to provide to me any reason whatsoever for the failure, thus denying me Merit based employment. Whenever a credit reporting agency is used to conduct a background check, the Federal FCRA requires the reason for a failed background check be disclosed to the applicant. Quals used a credit reporting agency. This required Disclosure has put the City of XXXX in direct violation of the Federal Fair Credit Reporting Act. For the past three months I have been complaining to City of XXXX Mgmt. personnel through E-mails and telephone calls, requesting XXXX reasoning for her Neglectful decision, with no results from XXXX XXXX managers. 

I've sent XXXX XXXX Mails complaining to Phoenix Assist City Mgr. XXXX XXXX ( XXXX & XXXX XXXX ) ; her only response was referring the matter to Phoenix City Atty . XXXX XXXX. On XX/XX/XXXX I received an XXXX Mail from Atty. XXXX, Falsely stating her office is not required to comply with the FCRA. On XXXX I E-mailed Atty. XXXX attaching an XXXX sheet from the FTC mandating the FCRA requirements. The requirements ( Pre Adverse Action Notice ) include providing me with a copy of the Background Report, a summary of my rights, and info. concerning the credit reporting XXXX. No response from City Atty XXXX. None of these XXXX XXXX XXXX were complied with by the XXXX of XXXX despite my repeated attempts to obtain them. In addition, on XX/XX/XXXX I E-mailed XXXX XXXX XXXX XXXX requesting corrective action be taken ; no response from her. Also, on XX/XX/XXXX I sent an E-mail of complaint to XXXX XXXX XXXX. XXXX XXXX ; also no response. Please process this 100 % genuine complaint ASAP. I have all the E Mails referenced above plus some others. I am immediately available to answer questions and facilitate with this valid complaint. 

Awaiting your reply, XXXX XXXX XXXX
Consumer complaint received 2021-04-07
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: STERLING JEWELERS, INC. (CA)

Kay jewelers erroneously reported 30 day late for XX/XX/2020 which was due to covid19 disaster. I didn't receive payment voucher, tried making pmnts online and via phone all with no avail due to their staff shortage .... Later, Kay stated they were NOT going to report any lates, however they did .... It has damaged my credit and this late is not due to my fault or negligence. Kay jewelers was supposed to follow CARES ACT rules and regulations and NOT report this as derogatory ...
Consumer complaint received 2022-07-19
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. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2020-12-08
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Its well over 30 days since Ive initially disputed accounts on my credit report and I still havent received any response from the three major credit bureaus. I havent received any confirmation on how the credit bureaus have verified the accounts. CFPB will receive documents from me for rectifying the subterfuge that you are reporting.
Consumer complaint received 2022-07-19
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: EQUIFAX, INC. (MD)

Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I submitted a complaint to the CFPB on XX/XX/XXXX, about an erroneous account on my report. On XX/XX/XXXX, the CFPB responded and closed the case with unsatisfactory results. I sent a follow-up letter to XXXX on XX/XX/XXXX asking for method of verification and proof of validation of alleged account. According to the Consumer laws the bureaus must report accurate information. How can this be accurate if two different reporting companies are reporting different information for the alleged account? I have not heard a response from XXXX. 
I have also informed XXXX that I did not authorize Inquiries that are reporting.
Consumer complaint received 2022-07-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX