davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-24
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX I sent a dispute to TransUnion on XX/XX/XXXX and did not get a response so I sent a follow up XX/XX/XXXX. They sent a verification after 64 days saying the account was changed with a date update and rating. The date they updated it to was XX/XX/XXXX but still appears the same with inaccurate information being reported. 

Date closed shows XX/XX/XXXX but the accounts show 90 days in the account history. Date of last payment XX/XX/XXXX but in the account history it shows XX/XX/XXXX XX/XX/XXXX and ok XX/XX/XXXX. XX/XX/XXXX and XX/XX/XXXX shows 120 days late and XX/XX/XXXX XX/XX/XXXX. Date of last activity shows XX/XX/XXXX but was on a 90 days on that date and being closed as well but doesnt shows charged off until XX/XX/XXXX with the first 30 days being late on the report on XX/XX/XXXX with the date of last payment showing XX/XX/XXXX. 

None of the information makes any sense and how they can state it is verified as accurate with so many discrepancies XXXX XXXX I sent a dispute to TransUnion on XX/XX/XXXX and did not get a response so I sent a follow up XX/XX/XXXX. They sent a verification after 64 days saying the account was verified with a date update of XX/XX/XXXX payment received and rating still the same. The account is still inaccurate. 

Date closed shows XX/XX/XXXX but the accounts show 60 days in the account history. Date of last payment XX/XX/XXXX with a {$0.00} payment but in the account history it shows XX/XX/XXXX XX/XX/XXXX and ok XX/XX/XXXX. With the account being XX/XX/XXXX XX/XX/XXXX. Date of last activity shows XX/XX/XXXX but was on a 60 days on that date and being closed as well but doesnt show charged off until XX/XX/XXXX with the first 30 days being late on the report on XX/XX/XXXX with the date of last payment showing XX/XX/XXXX. 

None of the information makes any sense and how they can state it is verified as accurate with so many discrepancies DEPTEDXX/XX/XXXX High balance {$3500.00} DEPTEDXXXX High Balance {$5900.00} I sent a dispute to TransUnion on XX/XX/XXXX and did not get a response so I sent a follow up XX/XX/XXXX. They have not responded to any of my disputes with these accounts about the inaccuracy on the payment history and sent another letter on XX/XX/XXXX. 

These accounts have the same exact date, open date and payments history with different High balances. Causing duplicate negative remarks. 

This account is still inaccurate since my initial dispute on XX/XX/XXXX with no response. This payment history is still showing 90 days late 8 times with no verification of the payment history. This information is inaccurate and would like you to please remove this inaccurate account or update all the late payments being reported on this account immediately. 

I have attached copies of the letters I have sent, their response and how it appears on my credit report
Consumer complaint received 2021-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (TX)

I requested measurements for a stormdoor from XXXX in XXXX TX almost 1 year ago. They told me I would have to pay for the measurements because some people end up buying from another company and because they use contractors to do the measurements. When I returned to the store after the measurements were done, the store refused to provide the measurements that I had already paid for with my XXXX credit card. I spoke with the store manager that said he would take care of the issue and either get me the measurements or have my card refunded. Neither happened. I disputed it with the credit card company. They came back several months later and added the charge back to my account. I contacted them again and the said I need to dispute it with the store. I told them that I did but they did not do anything. The credit card company put it in dispute again then several months later ( today ) it was taken out out of dispute and charges place back onto my account again with no communication.
Consumer complaint received 2022-07-28
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. (TX)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX  and stopping me from getting this job offer XXXX now XXXX XXXX XXXX cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Consumer complaint received 2022-09-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (NY)

I called American Express to inquire about their Delta SkyMiles Gold Card which entailed a promotional XXXX Delta Sky Miles for signing up for the gold card. I was told that if I apply for the cards, approved, and used the minimum spending limit {$2000.00} in purchases within 3 months, I would receive the Delta Sky mile points. I met and exceeded all above requirements. On XX/XX/XXXX, I called American express to inquire about my XXXX Delta Sky Miles and why have not received them yet. I was rudely told by operator XXXX ( customer ID # XXXX ) that I did not receive the Sky Miles because of my American Express promotional history. I ask her to further explain, and was told its in promotion agreement and was not required to explain further to me. I explained that I have had another American Express Card for 15 years. The only reason I applied for the cards was the Sky Miles Benefit offered and ask that American Express honor its agreement and give me the miles. I am not aware or made aware of any cards promotion history with American Express that would prevent me from receiving XXXX Delta Sky Miles. I also requested that further investigation be done as to why I was denied the Sky miles? She told me she would not further investigate or was not required to, also no further detail was necessary. 
One I would not have apply for the card if before or at the time of application I was told that I was not eligible for XXXX Delta Sky Miles. I also would not have spent excess of the {$2000.00} if I told of not being eligible for the XXXX Delta Sky Miles before or after the approval. My only reason for obtaining the cards was for the XXXX Delta Sky Miles benefit. By using some credit cards calculation ( Promotional history ) that discriminated me from receiving same benefits as other members has the aroma of breaking The Equal Credit Opportunity Act ( ECOA ), Fair Credit Reporting Act, and Title VII of the Civil Rights Act of 1964. In any case, I feel frauded because I'm now stuck with a credit cards that I would never of applied if it weren't for the XXXX Delta Sky Miles. I have a credit debt that I was dupped into acquiring for a benefit not forfeited. I know times are hard and inflation is up but credit cards companies should not resort to fraud marketing tactics or be allowed to.
Consumer complaint received 2023-06-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (NC)

There is a debt of {$3100.00} from XXXX XXXXXXXX XXXX  ( handed over to Jefferson Capital System ) that was opened fraudulently XXXX XX/XX/2021 while I was XXXX in XXXX and I have been harassed about this ever since. I have submitted 3 disputes to XXXX and XXXX. This company continues to call and harass me as well as mail me statements claiming they will reduce it if I pay a certain amount. On XXXX XXXX, it shows on XXXX and XXXX but when I log into XXXX site it does not show at all. I am not liable for a loan I never requested.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MA)

sending a copy of this letter to the Federal Trade Commission to inform them that I have proof of sending letters to you and that you have not complied with my request. Additionally Under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), Fair Debt Collection Practices Act ( FDCPA ) I am entitled to dispute inaccurate information on my credit report and expect a thorough investigation of my claims, I have reported this matter to the Consumer Financial Protection Bureau ( CFPB ) and the XXXX XXXX XXXX XXXX XXXX  ) to seek their assistance in resolving this issue. 

Please find below my reasons for dispute : 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 2021-01-24
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Blackhawk Network Holdings Inc. (SC)

I received two prepaid cards in the amount of {$10.00} each for donatingXX/XX/XXXXwith the XX/XX/XXXX. I acknowledge that it is my fault for not reading the fine print that there are fees associated with prepaid cards unlike gift cards and that they have expiration dates. However one of the cards still has a balance of {$6.00}. The company my prepaid center.com issues cards through XXXX XXXX. The card itself states on the front that funds do not expire and on the website it states that if you call you can speak to customer service about having remaining funds issued to you. There is no way to contact them through the website and their phone service is automated, so this is an untrue statement. I acknowledge that {$6.00} is a small sum, but I am sure that there are customers with larger sums and each consumer should have access to clear information and a way to withdraw funds that still belong to them.
Consumer complaint received 2022-07-23
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. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX is a closed account that is reporting late payments on my account in error. I've contacted the company directly to ask to report accurately on my account and remove late payments. I was told that they could not do it and to speak to the credit bureau. I've spoken with the bureau " Transunion '' and my account still haven't been resolved. 

I have every right to have inaccurate errors removed on my account. and this error has not only hinder my credit report, but also everyday life when it comes to funding and education.
Consumer complaint received 2021-01-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have noticed a late fee on my Capital One credit card account and I have contacted Capital One to waive the fee due to Covid-19 and being unemployed. I called on XX/XX/2021 for a late fee applied on the payment due of XX/XX/XXXX, XXXX have spoken to several Customer Services including the Supervisor and they were very unhelpful.. I am currently unemployed due to Covid-19 and the benefits have been delayed therefore, I was not able to pay on time the credit card. 
All the Customer Services including their Supervisors are ignoring the pandemic situation which created difficult times especially for the unemployed people. I felt like it's my fault that I am unemployed ... There're no sympathy on their side ... It is totally a poor customer service..
Consumer complaint received 2024-11-08
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL (NM)

Mattress firmXXXX XXXX synchrony bank. 
XXXX XXXX XXXX  said he needed my SSN so he can do a soft pull on my credit to make sure I have good credit. I was never made aware that I was applying to a credit card and that the company under would be mattress firm. I called a phone number provided by XXXX credit report and found out that I have a credit card that I never authorized to open.
Consumer complaint received 2020-09-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (NY)

This bank is horrible they close all my accounts without notice for no reason they are crazy they must be investigated and shut the XXXX down they wont approve me for any new accounts claiming imma fraud and close them due to fraud how is this fair when my accounts were in good standing with a XXXX balance they are nuts
Consumer complaint received 2021-01-24
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

I refinanced my home in XXXX with PMI payments. At time of refiance the appraised value was {$300000.00}, loan amount of {$250000.00} ; current outstanding balance is {$220000.00}. I spoke with representative from NewRez Finance who is handling my mortgage to remove my PMI. I was told that I could not remove my PMI unless I refinanced with 20 % down payment and less than 80 % ltv. 

He stated that after XXXX, the law changed. I would have had to put down 20 % and be below 80 %. Otherwise, I am stuck with paying PMI until I refi with 20 % down and less than 80 % .Therefore, I can not remove PMI for the duration of my mortgage. 

How can this be possible? Please advise
Consumer complaint received 2021-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The credit bureau is reporting inaccurate information to my credit report. I sent in a dispute letter to them on XX/XX/2020. They have fail to comply within the 30 day statute of limitations.
Consumer complaint received 2021-01-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Contacted Portfolio RC on XX/XX/2020, by certified mail that was delivered and signed for on XX/XX/2020 requesting a validation of debt for the amount of {$1600.00}, I did not received a response. I mailed a follow-up letter to Portfolio on XX/XX/2020 ; my letter was delivered and signed for on XX/XX/2020 requesting to validate the debt requesting a response within 15 days from the date the letter was received. The company is ignoring my request and the company continues to report this debt to the credit bureaus causing damage to my character.
Consumer complaint received 2020-09-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (AZ)

I look at my credit report, and seen this company had a collection under my name. 
I attempt to contact the company to get information and why a collection is under my name. The company provided me a website and that is where I got the acct. number from the website. I sent them a letter XX/XX/2020 at XXXX XXXX providing information with my acct from the website they provide. www.icsystem.com. The company sent me a letter stating they didn't have any information to provide, so why do I have a collection under my name with company if they claim I don't have an acct. with them.
Consumer complaint received 2021-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

The credit bureau is reporting inaccurate information to my credit report. I sent in a dispute letter to them on XX/XX/2020. They have fail to comply within the 30 day statute of limitations.
Consumer complaint received 2021-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Transunion report File number XXXX dated XX/XX/2021 is wrong with2 address as XXXX XXXX XXXX XXXX XXXX XXXX as wrong Correct address ; XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX
Consumer complaint received 2021-01-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2020, I sent letters to the consumer credit reporting bureaus regarding inaccurate and unknown information on my consumer credit reports. I have not yet received a response even though it has been over 30 days. I feel as if I'm being taken advantage of and my disputes are being ignored. By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties, my reputation and creditworthiness are being damaged. Section 611 ( a ) ( 5 ) ( A ) ( i ) in the FCRA clearly states that a failure to investigate the items being disputed within 30 days and provide the information I have requested gives reason to immediately remove those items from my credit report. It is now over 30 days and the items in question should be promptly deleted from my credit report. I demand that these erroneous items are deleted immediately from my credit reports or I will file for litigation due to the stress that I have endured and their failure to comply with the FCRA. My information has been impacted by the XXXX  data breach.
Consumer complaint received 2022-09-26
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. (LA)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE